Retirement Strategies

Your Public Sector Retirement Plan

Strength and stability you can stand behindWe know that selecting a provider for your 457(b), 401(a) or grandfathered 401(k) plan is a big responsibility. Rest assured... You can trust MassMutual. We’ve been providing plans to government entities for over 60 years. With a rare combination of strength and stability, you can stake your reputation on us.

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PSCA Plan Sponsor Council of AmericaServing retirement plan sponsors for over 60 years

2 GOLD

1 SILVER

2 BRONZE 4 GOLD

Best large contact center in the world

MassMutual At-A-Glance• Founded in 1851, over 160 years of service to Americans

• A mutual corporate structure that allows for a long term view of your plan

• More than $440 billion in assets under management

• Some of the highest financial strength ratings of any company, in any industry

• FORTUNE ® Magazine ranking of 94 out of 500 and a FORTUNE ® “Most Admired” company in 2013

MassMutual Retirement Services• Over $120 billion in retirement plan assets under management

• Servicing over 41,500 Plan Sponsor customers and 3 million participants

• 2011 Retirement Leader of the Year

Other notable industry awards and recognition:

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EnrollmentProcess

CruiseControl

Savings RateChanges

UnforeseeableEmergency

Plan Document

Support

LoanProcess

BeneficiaryChanges

InvestmentChanges

TerminationDistribution

QDROProcess

As a benefits expert in a government entity, you know that your needs can be very different than those of a corporate retirement plan

sponsor. You need and deserve a provider that is both committed to the retirement plan industry, and to the unique needs of government

entities. MassMutual is firmly committed to providing 457 plans and has the expertise to prove it:

• 6 regionally located public sector retirement plan teams with an average of 16 years experience

• Over 2,200 public sector customers

• Over $12.3 billion assets under management for public sector customers

• Top five provider of government retirement plans nationally

• $80 million technology upgrade starting in 2008

Beyond MassMutual’s expertise in providing retirement plans to public sector entities, you can count on us to free up your time through

proactive service and support. MassMutual is a full service provider with the flexibility to do business on your terms. We can help you

automate as much or as little of your plan administration according to your preferences. With so many benefits to manage – and so little

time – let MassMutual help you simplify your retirement program with impeccable service.

Experience you can count on

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How do you really know if your employees are on track for retirement? MassMutual can tell you if your plan is actually working with

outcome based measurement that focuses on how much retirement income each of your government employees will receive from your

457 plan.

MassMutual PlanSMARTSM Analysis:Each of your public sector employees will set priorities and – in a matter of seconds – thousands of complex calculations will produce the

likelihood that each employee will replace 75% of income at age 67, as well as suggested actions to improve their likelihood.

Innovation that makes your plan work better

All of those individual results are summarized so you can see a total percentage of employees on track. This information is broken down by

age, investment selection, etc. Using real data from each individual, you get a view of employee outcomes that can’t be matched.

At MassMutual we have one simple purpose for everything we do:

To help your hardworking public sector employees retire on their terms.

RISKTOLERANCE

RETIREMENTAGE

SAVINGSRATE

INCOMEREPLACEMENTGOAL

With Current Strategy:

With Suggested Strategy:

48%

64%

PlanSMART:

Percent of employees on track to replace 75% of income at age 67

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Once you have a benchmark of how your public sector employees are doing with PlanSmart Analysis, we will go to work implementing a state of the art employee action program that will allow each of your employees to take the right action toward a secure retirement – at the time and in the medium they prefer.

This is the MassMutual RetireSMARTSM employee action program:

RetireSMARTSM starts with data. We will determine each employee’s next best step toward proper replacement income in retirement.

Next, behavioral finance techniques are used to craft tailored messages designed to leverage the human psyche to drive action.

Finally, these messages are cascaded across multiple mediums so that each employee can take action in the medium they prefer:

• Via mail or email

• In person using innovative tools like Apple iPod Touch devices

• Over the phone

• Online

Innovation that makes your plan work better

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Most providers will offer you open architecture for investments. MassMutual goes one step further. Our Smart ArchitectureSM investment program brings together the people, process and investment choice you need to help your employees retire on their own terms:

•Ultimateflexibilitywithover2,400investmentoptions

•Availablethird-partyreviewbyMesirowFinancial

•Uniqueinvestmentofferingsunavailableanywhereelse

•Easy-to-usetargetdateandtargetrisklifestylefundswithRetireSMARTSM Funds

•Severalfixedincomeinvestmentinstrumentsthatcanonlybeofferedbyahighlyratedmutualinsurancecompany

An approach to investment monitoring that helps drive outcomes

•ExperiencedAdvisor

•InnovativeInvestmentMonitoring

•UniqueInvestmentOfferings

•FinancialStrength&InvestmentChoice

Unique investment options and flexibility for you

MassMutual is proud to be recognized as the winner of the 2013 Lipper Fund

Award for the small company mixed asset class category. We offer more

than 50 MassMutual Premier Funds, Select Funds and RetireSMART Funds

featuring portfolio management from some of the most highly regarded

institutional, retail and boutique firms in the industry.

An Experienced Investment Team to Support Your Advisor

Rigorous Selection Process

AvailableThird-PartyEvaluation

Diligent Oversight

Investment Performance

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©2013MassachusettsMutualLifeInsuranceCompany,Springfield,MA01111-0001.Allrightsreserved.www.massmutual.com.MassMutualFinancialGroupisamarketingnameforMassachusettsMutualLifeInsuranceCompany(MassMutual)[of which Retirement Services is a division] and its affiliated companies and sales representatives.

Do you have a defined benefit plan for your public sector employees? Keeping your promises to your employees through your defined

benefitplanisalargeandcomplexcommitment.Choosingtherightprovidertomanageyourplanwillhelpensureyourpromisesarekept.

Managing your DB plan comes down to optimizing the match between the assets backing the benefit and the liabilities – or promises

made. MassMutual has the matching experience you need. As a financially strong mutual insurance company, we’ve been matching assets

and liabilities for over 160 years.

Defined Benefit expertise equals a total retirement solution from MassMutual

RETURNSEEKINGINVESTMENTS

FIXEDINCOME

OPTIONS

FIXEDINCOME

OPTIONS

RETURNSEEKINGINVESTMENTS

Our ability to execute on your deferred compensation plan and your defined benefit plan gives unmatched total retirement expertise in the public sector. We can accommodate any solution you may need with expert service and support.

Assets Liabilities

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Optimizing your DB plan also comes down to finding the right balance between return seeking investment instruments and fixed income

instruments. Our expert team of actuaries, partnering with your Advisor and MassMutual investment professionals will optimize your DB

investment mix so you can keep your promises.