Your values are our values. Milliman USA extends its congratulations and

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1 Your values are our values. Milliman USA extends its congratulations and best wishes to EBRI on the occasion of its 25th anniversary. Mercer is a founding member of EBRI. Why? Because EBRI s commitment to credible, reliable and objective research and Over the last quarter century EBRI has effectively and analysis is one we share and are proud to support. successfully fulfilled its mission of advancing the public's, the media's and policymakers' knowledge and understanding Mercer Human Resource Consulting is a global consulting firm that advises on all aspects of strategic and operational human resource consulting and implementation. Areas of particular expertise include retirement services, health care and group benefits, employee benefits, compensation, communication, and actuarial services. Our professionals of employee benefits and their importance to our nation's economy. EBRI has firmly established its credentials as the objective, unbiased provider of data, policy research and educational services in the employee benefits arena. We are proud of EBRI s accomplishments as well as the also advise on risk management and investment issues. substantial role our firm has played in EBRI s development as a founding member and as a continuing participant. Mercer is a subsidiary of Marsh & McLennan Companies (MMC), a global professional services firm with annual revenues exceeding $10 billion. Founded in 1871, today MMC has some 60,000 employees who provide analysis, advice, and transactional capabilities to clients in over 100 countries.

2 Celebrating its 25th Anniversary this year, EBRI has been committed to developing sound employee benefit programs and public policy providing people with opportunities to achieve financial security. AIG would like to congratulate Dallas Salisbury and his team at EBRI on achieving this milestone and for providing a foundation As a Founders Circle Sponsor, Prudential for the future. AIG. We Know Money. Financial is proud to congratulate the Employee Benefit Research Institute on twenty-five years of dedication to the development of public and private policies that improve employee benefits. Through your efforts, the public, government officials, and the media have a better understanding of employee benefits and their importance to the nation s economy. Your unwavering dedication and objectivity on this topic have distinguished you as the foremost authority on this topic. Prudential Financial is proud to partner with you in improving the economic security of all employees. CHAIRMAN S CIRCLE Here s To 25 Years Of Telling It Like It Is Buck Consultants congratulates EBRI on its Silver Anniversary. We salute your dependable, unbiased delivery of the facts about employee benefits and their importance to our nation s economy. EBRI is an organization that tells it like it is. Your contributions to the development of sound employee benefit and public policy programs are first class. Buck, a subsidiary of Mellon Financial Corporation and a leading global HR consulting firm, appreciates the work of EBRI. Here s to 25 more years of success as you continue to deliver insightful information that shapes the employee benefits arena.

3 Fidelity Investments congratulates the Celebrating 25 years! Employee Benefit Research Institute as it celebrates a quarter Towers Perrin proudly salutes EBRI s 25 years of unwavering CHAIRMAN S CIRCLE century of success in helping to shape effective employee benefit programs and thoughtful public policy. As a provider of retirement, human resources, and benefits solutions to more than 14 million workers, Fidelity recognizes the value of EBRI s efforts, and we look forward to working together in the years to come. Celebrating 25 Years of Excellence IBM is proud to honor the Employee Benefit Research Institute (EBRI) for 25 years of honesty, integrity and excellence. Its pioneering efforts in the field of employee benefits research and education have provided an invaluable service to its members and to our society. As a long-standing member of the organization, IBM has regularly relied on EBRI s ability to provide thoughtful, dedication to providing objective and unbiased employee benefit research and education. Congratulations on this momentous achievement, and heartfelt thanks for the invaluable service you provide. "Information is the currency of democracy." Thomas Jefferson WJLA-TV/ABC 7 congratulates EBRI on your 25th Anniversary. We are proud to partner with you on Choose to Save. We look forward to the next 25 years together. CHAIRMAN S CIRCLE thorough and objective research. We appreciate and support EBRI s continued commitment to addressing today s critical benefits issues.

4 American Express extends its congratulations Capital Guardian is proud to support EBRI to EBRI on the occasion of its 25th anniversary. American on its 25th Anniversary. Express is proud to have been a member of EBRI since 1987 and enjoys the honor of having had five colleagues sit on EBRI s Board of Trustees now and in the past. Best wishes that the next 25 years will be equally successful. Aon salutes EBRI, its staff and Dallas CIGNA Retirement & Investment Services Salisbury for 25 years of exceptional, dedicated, and congratulates EBRI on 25 years of providing objective objective service to the employee benefits community. research and education that advances sound public policy Your unique research has guided us and our policy makers and promotes the value of comprehensive employee benefits to make stronger and more informed decisions thereby helping millions of employees and employee benefit plan participants. Aventis Pharmaceuticals Is proud to support EBRI s 25th Anniversary Celebration programs. As a Sustaining Member, we are proud to honor your achievements and support your continued good work. 25 years of telling it like it is. Congratulations to our friends at EBRI for staying true to your mission of advancing the public s, the media s, and policymakers knowledge and understanding of employee benefits and their importance to our nation s economy. From a company that has supported you from the start Hewitt. Congratulations to the Employee Benefit Congratulations to EBRI on 25 years of Research Institute on successfully executing 25 years of outstanding contributions to the field of employee benefits. objective thought leadership, with special thanks to Dallas Salisbury for his continued dedication and tireless efforts on behalf of EBRI since its inception.

5 MetLife congratulates EBRI on 25 years of helping people gain a better understanding of their benefits. TIAA-CREF Congratulates EBRI on its 25th Anniversary. As a result, more people get more from their benefits every day. And that's a mission shared by MetLife, a leading provider of employee benefits. With over 130 years of expertise, MetLife TIAA-CREF, the nation's leading retirement system for higher education and research employees, congratulates EBRI on its Silver Anniversary. Accept our best wishes for many more is also working hard to make benefits easier for employees years of development of sound employee benefit programs and employers. and public policy. To learn more about TIAA-CREF, please visit us online at or call The Pacific Maritime Association, on behalf Congratulations! of its member companies, congratulates EBRI for twenty-five from your friends at Verizon years of credible, objective and unbiased facts in the area...on behalf of all the employees and retirees who of employee benefits. We look forward to EBRI s continued benefit from your outstanding work. success. Congratulations from The Principal. The Principal Financial Group is proud of EBRI and its long history of helping people get more out of work, by getting more out of their benefits. We share this goal. As the nation's 401(k) leader, we have been proud to be a long-time sponsor of EBRI's efforts. We look forward to working with EBRI for years to come, helping Americans with their retirement investing needs. The Segal Company congratulates EBRI on this milestone anniversary. As founding members, our firm has always believed in EBRI s mission. We are proud to have supported EBRI, including the service of two former EBRI chairmen, Robert D. Paul and Howard Fluhr. We are confident that EBRI will continue to make profound contributions far into the future. Design: Designsmith/Strategic Visual Communications We look forward to the next 25 years. Patrons Circle EBRI wishes to thank BP for its donation of a Benefactors Circle Table. AT&T Arnold & Porter Dallas L. Salisbury and Stephanie Ross Financial Engines Mathew Greenwald & Associates, Inc. Milbank Memorial Fund T. Rowe Price Congratulations and thanks to EBRI for 25 years shining the light of knowledge on employee benefits informing the industry and policymakers and ultimately improving the lives of millions of workers. Wachovia looks forward to another 25 years of EBRI s success. Individual Seats American Benefits Council CHEIRON, Inc. EFI Actuaries Fluor Corporation InCharge Institute of America, Inc. Investment Company Institute Kaiser Permanente National Rural Electric Cooperative Foundation Pension and Benefit Power Pentegra Group Putnam Investments Douglas D. Stegner