Cost Conscious Fee Structure
A critical component of the net growth of your retirement plan is the cost to administer the plan. High fees can significantly erode your investment performance and can make your plan vulnerable to Participant lawsuits for excessive fees. We guarantee competitive fees for your plan through the following:

	Full disclosure of actual costs and charges
	Use of low cost institutional class funds
	Revenue Sharing payments from funds are available to reduce expenses
	No Surrender Fees, Loads, or hidden expenses

Our selection of mutual funds and cost management techniques provides for some of the lowest overall plan expenses in the industry on a fully disclosed basis. In addition, our investment performance is among the best in the industry.

Plans Include:

	A commitment to customer service and easy local access to your retirement account.
	A daily valuation system - giving state-of-the-art technology and easy company management tools to the retirement planning process.
	A selection of 8-10 specific mutual fund choices for investments selected through our thorough evaluation process.
	Options for fully managed accounts within the 401(k) plan.
	On going fund evaluation with semi-annual fund review for changes in performance.
	An annual plan review with Plan Trustees to review features and performance.
	On-going employee training as requested on investments choices and guidelines.
	Full recordkeeping functions.
	The safeguards of an investment fiduciary - with strict adherence to compliance and operational procedures.
	Preparation of Federal Tax Form 5500.
	Choice of cost administration through direct billing or collecting fees from fund assets.