401(k) Investment Selection, Simplified
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1 United Of Omaha Life Insurance Company Companion Life Insurance Company mutual of om aha re tirement ser v ice s 401(k) Investment Selection, Simplified NOW IT S AS EASY A S 1, 2, 3 GET RETIREMENT RIGHT MUGC9303
2 Choosing investment options for 401(k) plans can seem overwhelming. Which choices are right for my employees? Have I offered enough options or too many? Will my decisions put me and my business at legal risk? These are the kinds of questions that can keep you up at night. But relax, we can help. Working with your advisor, we provide a simplified three-step approach that makes it easy to offer an investment lineup with diverse choices. You ll have peace of mind knowing that all our investment options are professionally screened and backed by a selection process that mitigates your risk.
3 Investment Selection as easy as Select a QDIA Determine Investment Protection Option Consider Adding Complementary Investment Options
4 Step 1 Select the Right Default Investment for Your Employee Base When it comes to Qualified Default Investment Alternatives (QDIAs), one size does not fit all, and options can differ significantly. We offer four carefully selected QDIAs with varying investment approaches, so you re sure to find one that fits the needs of your employees.
5 QDIA Continuum Target Date Funds Ease of concept/all in-one funds managed to a projected retirement date or along an investment glidepath. Individually Managed Accounts (IMAs) A retirement account that is managed by an investment professional. Vanguard Target Retirement Mutual GlidePath Stadion Managed Accounts Morningstar Retirement Manager SM Managed to Retirement Converts to income fund 7 years after target date All Index Funds Lowest cost within the continuum Single manager approach Managed through Retirement Glidepath continues for 20 years beyond target date Access to full universe of investment options Multi-manager approach Utilizes five professionally managed risk-based portfolios Offers tactical management focused on downside protection Personalized savings and investment strategy Ongoing account management Utilizes funds selected by the plan MAY APPEAL TO AN EMPLOYEE BASE THAT: Embraces an all-index fund approach / invest in broad markets strategy Embraces a strategy that utilizes both active management and index funds Is more concerned with limiting losses in falling markets than capturing gains in rising markets Prefers professional investment management based upon unique circumstances and outside acts CAPITAL ACCUMULATION LESS CUSTOMIZABLE RETIREMENT INCOME REPLACEMENT MORE CUSTOMIZABLE Prior to selecting investment options for your plan, plan sponsors should consider the investment objectives, risks, fees and expenses carefully. For this and other important information, plan sponsors may obtain prospectuses for mutual funds, a sample group variable annuity contract and the annuity's underlying funds and/or disclosure documents from their Registered Representative or advisor. Read them carefully.
6 Step 2 Determine the Level of Protection You Need for Investment Selection Investment selection and monitoring are both offered through Mesirow Financial s Fiduciary Partnership Program. You can choose from two services. For both services, Mesirow Financial provides you with legal protection from employee claims regarding approved investment options, as detailed in the agreement between Mesirow Financial and the plan sponsor. Choose from two levels of plan protection: Selection and Monitoring Service With this 3(21) co-fiduciary service, Mesirow Financial makes fund recommendations, but you make the final decision, either selecting from a menu of funds approved by Mesirow Financial or selecting one of their suggested line-ups. Investment Management Service With the 3(38) investment manager service, Mesirow Financial selects, monitors, and replaces (as it deems necessary) the funds in your line-up for a small additional fee, allowing you to take a more hands-off approach. You and your advisor select from four carefully screened investment guidelines based on your employee demographics.
7 Investment Options Tailored to Your Plan s Demographics Now simply choose from pre-determined investment line-ups designed to fit the needs of your employee base. Basic For employees with limited knowledge of investments and the risks associated with specialized asset classes Standard For those with an average level of investment knowledge and a basic understanding of the risks associated with specialized asset classes Advanced For employees with an above-average level of understanding of investments and the risks associated with specialized asset classes Select For those with average to above-average investment knowledge and understanding of risk, who also want to emphasize lower cost investment options
8 Step 3 Consider Adding Investment Options that Complement Your QDIA For additional stability, diversification and peace of mind, consider adding complementary investment options, distinct from the QDIA. Additional investment options provide alternatives for employees who want an investment strategy different from that of the QDIA. When choosing complementary options for your plan, consider: Your QDIA selection Diversity of your employee base Need for expanded investment options I have never been an administrator for a 401(k) plan before. Mutual of Omaha Retirement Services has been very helpful, especially early on when we were establishing the plan Client Satisfaction Survey, conducted by Chatham Partners Please refer to the back page for important disclosure information.
9 Ninety-four percent of our responding clients gave our investment services positive ratings. Our Relationship Manager does a great job educating our employees on their investment options. We have complete confidence in his abilities and expertise Client Satisfaction Survey, conducted by Chatham Partners. Please refer to the back page for important disclosure information.
10
11 The Bottom Line The right investment lineup can enhance outcomes for your employees. Our easy three-step process helps you provide a solid 401(k) benefit, and helps provide the peace of mind that you are protected. Take the first step. Let us help you get retirement right. Why Choose Us? We have more than 45 years experience in retirement services. You can count on Mutual of Omaha Insurance Company and its subsidiaries for the integrity, stability and security that are even more important in these complicated times. A mutual company owned by our policyholders Strong capital position and solid liquidity Highly rated by third party rating agencies* A strong brand people know and trust * Please refer to the back page for important disclosure information.
12 United of Omaha Life Insurance Company Mutual of Omaha Plaza Omaha, NE (877) 401-SALE (7253) Companion Life Insurance Company Hauppauge, NY (877) 401-SALE (7253) Mutual of Omaha Retirement Services Mutual of Omaha Plaza Omaha, NE (800) celebrating 5oyears Getretirementright.com mutualofomaha.com Investment options are offered through a group variable annuity contract (Forms 902-GAQC-09 or 902-GAQC-09(CT) or 902-GAQC-09(OR)) underwritten by United of Omaha Life Insurance Company for contracts issued in all states except New York. United of Omaha Life Insurance Company, Omaha, NE is licensed nationwide except in New York. Companion Life Insurance Company, Hauppauge, NY is licensed in New York and underwrites the group variable annuity (Form 900-GAQC-07(NY)). Each company accepts full responsibility for each of their respective contractual obligations under the contract but does not guarantee any contributions or investment returns except as to the Guaranteed Account and the Lifetime Guaranteed Income Account as provided under the contract. Neither United of Omaha Life Insurance Company, Companion Life Insurance Company, nor their representatives or affiliates offers investment advice in connection with the contract. United of Omaha Life Insurance Company and Companion Life Insurance Company are affiliates of Mutual of Omaha Insurance Company (Mutual of Omaha). Mesirow Financial is not affiliated with Mutual of Omaha and its affiliates. Mesirow Financial refers to Mesirow Financial Holdings, Inc. and its divisions, subsidiaries and affiliates. The Mesirow Financial name and logo are registered service marks of Mesirow Financial Holdings, Inc. 2013, Mesirow Financial Holdings, Inc. All rights reserved. Advisory services offered through Mesirow Financial Investment Management, Inc. an SEC Registered Investment Advisor. The specific legal protection offered by Mesirow Financial is governed by the agreement between Mesirow Financial and the plan sponsor. Nothing herein is intended to modify such agreement. Mutual of Omaha Insurance Company ratings do not pertain to the investment performance of the underlying investment options. All investments involve risks which include potential loss of principal. Mutual of Omaha commissioned Chatham Partners to conduct a client satisfaction survey to all group variable annuity contract customers of United of Omaha Life Insurance Company and Companion Life Insurance Company. The three-month survey, concluded in December 2012, had an overall customer response rate of 43%. Survey results are limited to those expressing an opinion. Chatham Partners provides customized market research, including win/loss sales analysis and client satisfaction studies, multi-client research studies, and strategy consulting services that help businesses understand the explicit, implicit and latent needs of clients and prospects. Chatham Partners is a leading independent market research firm and is not affiliated with Mutual of Omaha or any of its affiliated entities. Chatham Partners is a leading independent market research firm for institutional asset managers, retirement service providers and global securities, serving firms for the past 20 years. Chatham was commissioned by Mutual of Omaha to conduct a client satisfaction survey to all group variable annuity contract customers. The survey was conducted over a three month period ending in December 2012, with a response rate of 43 percent. Survey results are limited to those expressing an opinion. For advisor and plan sponsor use only.
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