SUCCESSFUL EMPLOYEE EDUCATION & COMMUNICATION

The FREEDOM 401(k) Includes:

• Group meetings to educate all employees on the value of the Freedom 401(k) and the need to develop a realistic retirement plan
   
• Individual meetings utilizing laptop computers with each employee (mandatory at implementation):
  
  • Establish retirement goals / objectives
  • Retirement projections
  • Paycheck comparisons
  • Define risk tolerance
  • Determine optimal asset allocation strategy (MAPs)
  • Complete customized election forms
     
• Automatic semi-annual re-enrollments for each newly eligible employee (on-site a minimum of two times per year)
   
• Professional and unbiased investment advice to assist participants in selecting and monitoring their 401(k) investment allocation

• Extremely high employee participation, usually over 90% of eligible employees compared to the national average of less than 70%

• Employees often contribute twice-as-much money to their 401(k) plan compared to the national averages

• Our enrollments result in over 90% of employees participating in one of the five Managed Account Portfolios

CLIENT SERVICE MODEL

We have three main points of service for each of our clients.

1. The Client Relationship Manager (CRM) deals directly with the plan trustees, fiduciaries, and/or committee members who make 401(k) plan decisions.
   
2. The Retirement Consultant (RC) meets individually with each employee and is on-site a minimum of two times per year, per location. Their role is to make sure employees are educated about the options in their 401(k) plan and are enrolled into the program. They are also very service oriented and are available to participants to assist them with other financial service needs.
   
3. Client Services is your contact for both employees who have questions, as well as the main administrative contact for the office/business managers who are operating the day-to-day components of the plan.