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1 11 Simple 401k Learn How to Increase Your Company's 401k Account Values by as Much as 30% to 40% The fees and expenses charged within your company's 401k plan could be costing your employees as much as 30% to 40% of their retirement savings. and creating a fiduciary liability for your business. [because] administrative charges / investment expenses / [and] asset management fees typically amount to as much as 2% or 3% and they are deducted from total plan assets every year. [now] 2% or 3% might not seem like much but every 1% your plan charges in annual fees over 20 or 30 years of employment reduces each employee's retirement savings

2 by 20% to 30%! [or] Think of it like this... if an employee's 401k grows at an average rate of 7% or 8% a year and they pay 2% or 3% in annual fees those fees are costing them 30% to 40% of their earnings! [what's more] You - the employer as the plan sponsor have a fiduciary responsibility to your employees to keep those fees at a minimum or at least reasonable. and if you don't... you could subject your business to substantial penalties or even a lawsuit. So how can you reduce your 401k fees and expenses? and minimize your fiduciary liability risk? With a "Simple" 401k plan funded exclusively with retirement insurance contracts known as Indexed Annuities.

3 "Simple" 401k plans were created by the Department of Labor and the Internal Revenue Service as a lower cost less complicated way for employers with fewer than 100 employees to offer retirement benefits to their employees. [and] Indexed Annuities are retirement insurance contracts not investments... so they protect employee account values and guarantee their retirement income too. a Simple 401k plan funded with Indexed Annuities gives your employees a contractual guarantee to earn an interest rate NET of any taxes, commissions fees or expenses and based ONLY on the growth of an equity market index balanced and diversified [like the] S&P 500 / [the] NASDAQ / [or the] Dow Jones [Industrials] but without ANY risk of losing money

4 in the stock market. which substantially reduces the fiduciary liability risk for you as well. That's because these contracts are not actually invested in any equities or securities. They only use the stock market index to calculate the interest rate credited to the contract. [so] When the index registers a gain over a period of time specified in the contract an interest rate as a percentage of that gain is credited to the employee's contract value. [but] When the index registers a loss for the period a zero interest rate is credited to the employee's contract value. which means that no losses are ever deducted! [and while] These contracts don't credit ALL of the index gains. They don't credit ANY of the index losses. So that contractual gains are always preserved

5 and contractual values are always protected. And when employees retire their contract values can easily be converted into personal "pensions" providing them with a guaranteed monthly income for as long as they live. [and] without any investment risk or asset management charges or the need to reposition investments or to calculate income withdrawals as they would with mutual funds or investment portfolios. [what's more] both the cost and the requirements of a Simple 401k plan are minimal. because the filing, reporting and disclosure process are all simplified. [and] the employer assumes much less fiduciary responsibility. because the growth provisions are contractual without investment options or allocation decisions.

6 So ask yourself this... does it make good sense to keep your current 401k plan funded with stocks bonds and mutual funds? with all its administrative fees investment expenses regulatory compliance and fiduciary responsibilities? [or] Does it make better sense to replace your current 401k plan with a Simple 401k plan? funded with retirement insurance contracts that do not charge your employees management fees or investment expenses? and minimize your risk of fiduciary liability? [and] Does it not make better sense to give your employees a contractual guarantee to grow and protect their retirement savings

7 as well as a guarantee that they will never run out of money for as long as they live?

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