PRODUCT COMPARISON CHART

Larger companies (100 or more employees) that want full-service bundled 401k plan.

• Flexible range of plan design options
• May be primarily employee funded
• Pretax contribution advantages
• May include employer contributions, subject to vesting schedules
• Full range of investment options from leading fund families; company stock; self-managed accounts
• Employee communications and education support

Companies of any size that want the flexibility to change contributions annually and to focus employees on profits

• Employer funded, with choice of formulas, up to certain limits per employee
• Deductible up to 25% of payroll
• Flexibility in plan design includes vesting schedules
• Broad choice of investment options, including major fund families, company stock, and self-managed accounts

Companies that want to commit to the same percentage contribution each year

• Employer funded, at a fixed contribution rate, up to certain limits per employee
• Deductible up to 25% of payroll
• May allow for loans and vesting schedules