SAMPLE 401(k) Plan. Retirement Plan Analysis Results
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1 SAMPLE 401(k) Plan Retirement Plan Analysis Results
2 Your Current Investment Lineup This report will help your team: ü Review your plan s investment options. ü Assess and identify potential gaps, opportunities and areas of improvement within your plan. ü Aid conversations concerning your plan. This Sample Plan Analysis is hypothetical and intended only as a visual representation of what a Plan Analysis from Hewins
3 Fund Analysis Analysis Guide First, our team will analyze the asset allocation in your current retirement plan portfolio and examine its exposure to various asset classes. This Sample Plan Analysis is hypothetical and intended only as a visual representation of what a Plan Analysis from Hewins Financial Advisors, LLC, would look like; please see the disclosure slide at the end for more information.
4 Fund Analysis Analysis Guide Next, we ll assess your portfolio s exposure to different investment styles, focusing on the individual holdings. This particular example shows the style mapping of domestic equity funds in a sample portfolio.
5 Fund Analysis Analysis Guide This chart shows the style mapping of target-date funds in a sample portfolio.
6 Analysis Guide Fund Analysis This chart shows the style mapping of international equity funds in a sample portfolio. Based off these results, we d likely conclude that this particular portfolio has very little exposure to international smallcap value funds a finding we may want to discuss further with the plan sponsor. Financial Advisors, LLC, would look like; please see the disclosure slide at the end for more information.
7 Fund Analysis Analysis Guide Next, we ll compare the base holdings of your overall portfolio to a model portfolio we would recommend for you specifically. In this sample assessment, you ll notice that the holdings in the Pathfinder Portfolio tilt more toward the value spectrum, compared to the holdings in the sample portfolio. This Sample Plan Analysis is hypothetical and intended only as a visual representation of what a Plan Analysis from Hewins
8 Analysis Guide Finally, we ll benchmark how the funds in your current portfolio are performing compared to their peer group (displayed on the next two pages). Fund Performance Green indicates that the fund is performing better than its peer group; yellow indicates that the fund s performance is average compared to its peer group; and red indicates that the fund is performing poorly compared to its peer group.
9 Fund Performance Analysis Guide Finally, we ll also compare each fund s operating expense ratio (OER) against its peer group s OER (last column). This Sample Plan Analysis is hypothetical and intended only as a visual representation of what a Plan Analysis from Hewins
10 Fund Performance
11 Participation Rate vs. Industry Plan Participation Rate Industry Plan Industry
12 Contribution Rate of NHC* vs. Industry 4.50% 4.00% 3.50% 3.00% 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% Plan Average contribution Industry Average contribution *NHC refers to non-highly compensated employees.
13 Contribution Rate of HC* vs. Industry 7.00% Average contribution 6.00% 5.00% 4.00% 3.00% Average contribution 2.00% 1.00% 0.00% Plan Industry *HC refers to highly compensated employees.
14 Avoiding Conflicts of Interest
15 Bundled vs. Unbundled 401(k) Plans There are two primary delivery structures for 401(k) plans bundled and unbundled. A bundled provider manages and oversees all service components of the plan sponsor s retirement plan recordkeeping, third-party administration (TPA), investments and education. An unbundled provider offers the plan sponsor the flexibility to select separate providers for each service component of their plan.
16 Breakdown of Fees In Dollars Percentage TPA Fee $3, % Recordkeeping Fee $6, % Weighted Fund Expense $22, % Advisor Fee $10, Annual Plan Cost $32, % Fees set forth herein are entirely hypothetical, and all fees may vary. This is not an offer or agreement for services from Hewins Financial Advisors, LLC.
17 Benchmarking Your Plan Fees This report will help you determine how your retirement plan fees compare to plans of the same size. 2.50% 2.00% 1.50% 1.00% 0.50% 0.00% 1.48% Total all-in costs 95th Percent 75th Percent 50th Percent 25th Percent 5th Percent
18 Important Disclosure Hypothetical and for illustrative purposes only. This Sample Plan Analysis is intended only as a visual representation of what a Plan Analysis from Hewins Financial Advisors, LLC would look like, and in no way is meant to convey, or act as a substitute for, any financial or professional advice from Hewins Financial Advisors, LLC. The return and other financial information provided herein has been randomly selected for visual aesthetics only and are not representative of any recommended allocation or fund selection of Hewins Financial Advisors, LLC. Fund information, including holding or return information, has not been verified by Hewins Financial Advisors, LLC. None of the information comparing a plan to an industry is factual or has been verified by Hewins Financial Advisors, LLC. Fees set forth herein are entirely hypothetical, and all fees may vary. Past performance is not indicative of future results. All client experiences may materially differ. The incurrence of fees, including investment management fees, transaction fees, custodial fees and other fees and taxes decrease performance. Nothing contained in this presentation should be considered as an offer or agreement for services from Hewins Financial Advisors, LLC.
19 Questions? Contact us at: wipflihewins.com
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