Enrollment Form Contra Costa County Deferred Compensation Plan County of Contra Costa

Transcription

1 Enrollment Form Contra Costa County Deferred Compensation Plan County of Contra Costa Enter your personal information (Please print clearly) Employee Surviving Beneficiary (attach notice of death form) Alternate Payee (attach a QDRO form) Gender: Female Male Participant s Name (First, Middle Initial, Last) Participant s Social Security Number (SSN) Street Address Apt. No. Birthdate: mm - dd - yyyy City State ( ) ( ) Daytime Phone Evening Phone Address Zip Employee Number: Salary $ Marital Status: Married Single or Legally Separated Plan Administrator Use Only (Form cannot be processed without this required information and signature) Hire Date / / Payroll Frequency: Monthly (12/Yr) As Plan Administrator, I acknowledge receipt, accuracy, completeness including participant s signature. Plan Administrator Signature Date 2 Monthly Deferral Election Employee $ Special Benefit Employee $ (if applicable) Each before-tax contribution amount cannot exceed any applicable limit set by the Plan. In addition, total before-tax contributions to all qualified retirement plan(s) you participate in cannot exceed $18,000 for the 2016 calendar year. If you reach age 50 any time during the calendar year or are over 50, you may be eligible to contribute up to an additional $6,000 as a catch-up contribution for the 2016 calendar year. Please check with your Plan Administrator.

2 Enrollment Form Contra Costa County Deferred Compensation Plan County of Contra Costa Choose one of the investment strategies from A, B or C below Your investment strategies are outlined on the following pages. Choose the one (from A, B or C) that works for you. IMPORTANT NOTE: This investment election applies to all future contributions. Investment allocation strategies are a convenient way of allocating your account among certain of the plan s individual investment options. Any investment allocation strategies included in these materials are not intended to be investment advice or recommendations to you and may or may not be appropriate for your circumstances. In applying investment allocation strategies to your individual circumstances, you should consider your other assets, income and investments as well as your risk tolerance. If you direct your contributions or current account balance to an investment allocation strategy, your contributions or account balance will be invested in each of the individual investment alternatives in the percentages indicated for the strategy. The plan may offer other investment options not included in the strategies and the individual investment alternatives included in the strategies may also be available on a stand-alone basis. The Investment Portfolio chart lists asset classes, along with their weightings in the allocation strategy. Additional investment options may exist that are not included in the portfolio. When selecting your investments, choose only ONE portfolio from any of the strategies, sign the form and you re done OR you can select individual investment options (under Option C) and build your own portfolio. See below for a complete list of options. The investment options available in this plan may change at the direction of the Plan Sponsor. Elections made on this form may be modified to follow the intent of those changes. Until you make your investment selection, your contributions will be invested in the Target Asset Allocation Investment Option listed below which has the target retirement date closest to your 65th birthday. If you are near, at or past your 65th birthday, your contributions will be invested in the target asset allocation investment option that shows no target retirement date. Following your enrollment, you will receive a transaction confirmation that will tell you specifically in which Target Asset Allocation Option your contributions have been invested. Subject to certain restrictions, you may redirect your contributions to any other investment option under the Plan at any time. A: Age-Based Investment Option (If you make a selection here, do not make a selection under any other option.) If you select one of these Asset Allocation investment options, based on the date closest to the year you plan to retire, you re almost done! Check the appropriate box and go to Step 4. Target Rtrmnt Incm Fd Target Rtrmnt 2010 Fd Target Rtrmnt 2015 Fd Target Rtrmnt 2020 Fd Target Rtrmnt 2025 Fd Target Rtrmnt 2030 Fd Target Rtrmnt 2055 Fd Target Rtrmnt 2035 Fd Target Rtrmnt 2060 Fd Target Rtrmnt 2040 Fd Target Rtrmnt 2045 Fd Target Rtrmnt 2050 Fd Target Asset Allocation Investment Options are single solutions that offer professional management and monitoring as well as diversification all in one investment. Each investment option has an automatic process that invests more conservatively as retirement nears and the options are named to coincide with a particular retirement date. Your plan is designed to invest your contributions into one of these options as the default investment based on your date of birth and a projected retirement age of 65. You may always choose new investment options at any time.

3 Enrollment Form Contra Costa County Deferred Compensation Plan County of Contra Costa or B: Custom Portfolio Investment Option (If you make a selection here, do not make a selection under any other option.) Custom portfolios, based on different risk tolerances, have been arranged using the individual funds available to your plan. The amounts of each individual fund contained in the different Custom Portfolio options are shown on the right side of the following fund list. Take the Investor Profile Quiz. Using your investment strategy score and projected retirement date, you may choose one portfolio. If you select one of these Custom Portfolio investment options, you re almost done! Check the appropriate box and go to Step 4. Short Term Conservative Moderate Aggressive Ultra Aggressive or C: Individual Fund Option (If you enter selections here, do not make a selection under any other option.) First, select the individual funds in which you wish to invest. Then, enter the percentage of your contributions to be invested in each of those funds in the space provided. Make sure selections are whole percentages and total 100. When they add up to 100, you re almost done! Go to Step 4. Investment Options Breakdowns for Custom Portfolio Options All Contributions Short Term Conservative Moderate Aggressive Ultra Aggressive Guaranteed Int Acct (61279) Prime Money Market Fd PIMCO Total Return Fund PIMCO Real Return Fund Loomis Sayles Bond Fund Invesco Equity and Income Fund Target Rtrmnt Incm Fd Target Rtrmnt 2010 Fd Target Rtrmnt 2015 Fd Target Rtrmnt 2020 Fd Target Rtrmnt 2025 Fd Target Rtrmnt 2030 Fd Target Rtrmnt 2035 Fd Target Rtrmnt 2040 Fd Target Rtrmnt 2045 Fd Target Rtrmnt 2050 Fd Target Rtrmnt 2055 Fd Target Rtrmnt 2060 Fd American Century Value Fund American Century Eqty Incm Fd Hartford Dividend &Gr HLS Fd Davis New York Venture Fund Total Stck Mkt Idx Fd Institutional Indx Fd Hartford Capital Apprec HLS Fd Calvert Equity Portfolio Fund

4 Enrollment Form Contra Costa County Deferred Compensation Plan County of Contra Costa Investment Options Breakdowns for Custom Portfolio Options All Contributions Short Term Conservative Moderate Aggressive Ultra Aggressive Highland Prmr Growth Equity Fd American Fds Grth Fnd America T. Rowe Price Growth Stock Fd Invesco American Franchise Fd Htchks and Wly Mid Cap Val Fd Mid Cap Index Fund Artisan Mid Cap Fund Hartford MidCap HLS Fund American Century Sm Cap Val Fd Keeley Small Cap Value Fund Small Cap Index Fund Baron Small Cap Fund Hartford Small Company HLS Fd Amer Fnds Cap Wld Gr and In Fd MFS International Value Fund AmerFunds EuroPacific Gr Fund Tot Intl Stck Indx Fd Oppenheimer Global Fund American Century Intl Gr Fd MFS Int l New Discovery Fund Invesco Real Estate Fund MFS Utilities Fund Ivy Science and Technology Fd Hartford Healthcare HLS Fund

5 Enrollment Form Contra Costa County Deferred Compensation Plan County of Contra Costa Sign, date and return your forms Please provide your signature and mail to: Contra Costa County Employee Benefits Services Unit, 651 Pine Street, 5th Floor, Administration Building, Martinez, CA or fax to After receipt of this form, MassMutual will send you written confirmation once your account has been updated. I understand I may revoke this election at any time or I may change this election as allowed by the Plan. I understand that the maximum annual limit on contributions is determined under the Plan document and the Internal Revenue Code. Any amounts contributed may be reduced or returned to me as required by these limitations. X Participant s Signature IMPORTANT NOTE: IF YOU ENROLL BY MAILING THIS FORM TO MASSMUTUAL, BUT THEN SUBSEQUENTLY CHANGE YOUR ELECTIONS THROUGH THE AUTOMATED PHONE LINE OR THE PARTICIPANT WEBSITE, THE MOST RECENTLY DATED ACTIVITY WILL PREVAIL. If you have selected an investment strategy and one or more of the strategy s component investments listed on your enrollment form has been replaced, any contributions that would have been invested in that component investment will be invested according to the investment allocation in effect at the time the strategy is implemented and the new component will be listed on your confirmation form. Investors should consider an investment s objectives, risks, charges and expenses carefully before investing. For this and other information, see the prospectus available from your plan sponsor, on the participant website at or by contacting our Participant Information Center at between 8:00 a.m. and 9:00 p.m. ET, Monday through Friday. Read it carefully before investing. To get the most out of your plan You may also roll over your eligible distributions from your prior employer s qualified plan. Date 2015 Massachusetts Mutual Life Insurance Company, Springfield, MA All rights reserved. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) [ofwhichretirementservicesisadivision] and its affiliated companies and sales representatives. RS ENROLLMENT

6 Contra Costa County Deferred Compensation Plan Document Receipt Acknowledgement and Disclosure Statement Employee Name: (Please Print) 1. I understand that this is a voluntary supplemental retirement plan. The money put in the Deferred Plan will not be available to me until separation from service or in the case of an extreme financial emergency, as defined in the Plan. 2. I understand that an unforeseeable emergency as defined by Section 457 of the Internal Revenue Code (the Code ) means a severe financial hardship resulting from an illness or accident of the participant, the participant s spouse, or the participant s dependent (as defined in section 152(a) of the Code); loss of the participant s property due to casualty (including the need to rebuild a home following damage to a home not otherwise covered by homeowners insurance, e.g. as a result of a natural disaster); or other similar extraordinary and unforeseeable circumstances arising as a result of events beyond the control of the participant. 3. I have received the appropriate disclosure documents, including the MassMutual applicable Fee Schedule and the most current investment option formance Report. 4. I understand that MassMutual may enforce a provision wherein I cannot move assets between Fixed Income Investment Options unless I first transfer such assets into one of the Variable Separate Account Investment Options for a minimum of ninety (90) days. 5. I understand that investment transfer restrictions may be imposed by the Plan if, at the discretion of any investment manager or adviser of an underlying fund, it is deemed necessary to restrict transfers due to trading activity that is believed to have a detrimental impact upon the underlying mutual fund it manages and/or the other investors in such underlying mutual fund. Please contact your local MassMutual Representative if you should have any questions. 6. I understand that there shall be no deferral of compensation when the amount payable for a month s services less all other deductions, including advanced pay, is the amount specified to be deferred. My signature on this statement indicates that I have received and understand the items listed above. X (employee signature) (date) Revised for content: 2/15/06 Revised reference to MassMutual:1/01/2013

7 GOVNFP Contra Costa County Deferred Compensation Plan Beneficiary Designation Account Number Participant s Name first middle last Participant s Address street city state zip Social Security No. Marital Status: Married Single or Legally Separated IMPORTANT: If no valid beneficiary designation is on file or if designation cannot otherwise be determined, beneficiary will be determined by the plan fiduciary according to plan documents and applicable law. This designation supersedes any prior designation. Primary Beneficiary: (Check either box 1 or 2) 1. Spouse Primary Beneficiary: I designate my spouse to receive my entire account balance upon my death. Spouse's Name: Spouse s Social Security No. Spouse s Date of Birth mm/dd/yyy 2. Non-Spouse or Multiple Primary Beneficiaries: I designate the following person(s) to receive my account balance upon my death: (Must be in whole percentages totaling 100.) If applicable, Spouse s Date of Birth: mm/dd/yyyy Name Relationship Social Security # cent Name Relationship Social Security # cent Name Relationship Social Security # cent Name Relationship Social Security # cent (must total 100) Contingent Beneficiary (optional): If no Primary Beneficiary listed above is alive upon my death, I designate the following person(s) to receive my account balance upon my death: (Must be in whole percentages totaling 100.) NOTE: Contingent Beneficiary information will not be displayed on our participant website at Name Relationship Social Security # cent Name Relationship Social Security # cent Name Relationship Social Security # cent Name Relationship Social Security # cent SIGNATURE I understand that this beneficiary designation supersedes any previous designation. (must total 100) Participant / / Date f6821gov MassMutual Retirement Services, PO Box , Kansas City MO For Overnight Mail: MassMutual Retirement Services, 430 W 7th St, Kansas City MO MassMutual Retirement Services (MMRS) is a division of Massachusetts Mutual Life Insurance Company (MassMutual) and affiliates.

8 Once completed, please mail form (regular mail) to: For overnight mail send to: MassMutual Retirement Services MassMutual Retirement Services PO Box OR 430 W 7 th Street Kansas City, MO Kansas City, MO Sample wording for use in completing this form: To Designate Use This Wording 1. Your estate Executors or Administrators of my estate 2. The trustee of the Trust (Name of trustee) as trustee, or the then acting trustee, of the established under your Will Trust established under (your name) Will dated (date of Will) 3. The trustee of your Revocable (Name of trustee) as trustee, or the then acting trustee, of the or Irrevocable Trust (name of Trust) established on (date of Trust) Trust as Beneficiary: Before designating a trust as the beneficiary of your plan benefit, you should consult an attorney with expertise in trusts and estates law. Some of the factors to consider include: 1. Who is going to be the beneficiary your spouse, a minor child and what are their financial needs? 2. Are the protections of a trust desirable? 3. What are the income tax consequences of designating a trust as beneficiary? The following requirements must be satisfied before your trust beneficiaries will be treated as your retirement plan s designated beneficiary: 1. The trust must be valid under state law. 2. The trust must be irrevocable or must, by its terms, become irrevocable on your death. 3. The trust s beneficiaries must be identifiable from the trust instrument. 4. You must provide trust documentation to the retirement plan administrator. 5. All trust beneficiaries must be individuals. Copyright 2014 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved. RS f6821gov MassMutual Retirement Services, PO Box , Kansas City MO For Overnight Mail: MassMutual Retirement Services, 430 W 7th St, Kansas City MO MassMutual Retirement Services (MMRS) is a division of Massachusetts Mutual Life Insurance Company (MassMutual) and affiliates.

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11 Plan: Contra Costa County Deferred Compensation Plan Account Number: Subscription: County of Contra Costa Created: 06/09/2015 You are a participant or beneficiary in an individual account plan that allows you to direct the investment of your account balance. This disclosure statement is designed to provide you with information that will allow you to make informed decisions when selecting and managing your investments. This disclosure statement advises you of information regarding fees and expenses associated with your participation in the Plan. The General Plan Information section provides information regarding the operation of the Plan. The Comparative Chart section provides information about the Plan's designated investment alternatives including investment performance, operating expenses, fees, trade restrictions, and an industry benchmark relative to each non-fixed interest investment to help you make investment decisions. If the Plan has target date or life cycle investment allocation alternatives, this disclosure statement will include a Target Date Asset Allocation Investment Alternatives section providing information on how the investment allocation will change over time, when it will reach its most conservative asset allocation, the relevance of any dates used to describe the investment and the participant age groups for whom the investment alternative is designed. If your Plan's administrative expenses could be deducted from your account balance, this disclosure statement will include an Administrative Expenses section. The Administrative Expenses section provides information regarding charges for administrative expenses incurred on a Plan-wide basis that may be deducted from your account. An Individual Expenses section regarding individual expenses that may be deducted from your account, will also be included in this disclosure statement if the Plan charges participants and beneficiaries for the expenses associated with individual transactions. Please be mindful that: An investment's past performance is no guarantee of future results. To help achieve long-term retirement security, you should give careful consideration to the benefits of a well-balanced and diversified investment portfolio. Fees are only one of several factors you should consider when making investment decisions. For more information and an example demonstrating the long-term effect of fees and expenses, please visit: and General@Plan@Information :::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Investment Instructions: In order to direct your Plan investments, you must make your election at or contact the MassMutual Participant Information Center at If you are currently not participating in the Plan and have questions concerning plan provisions, including eligibility requirements, contact Employee Benefits Services Unit at (925) or 651 Pine St. 5th FL, Martinez CA Limitations on Instructions: You may give investment instructions on any day the New York Stock Exchange is open for business. Any trade restrictions specific to an individual investment alternative will be listed in the Comparative Chart.

12 :::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: If the Plan offers publicly traded employer securities as a designated investment alternative, certain discretionary transactions requested by participants who are officers, directors, or principal stockholders that involve employer securities will have trading restrictions imposed as additional reporting of those transactions is required. Designated Investment Alternatives (DIA): The Plan provides designated investment alternatives into which you can direct the investment of your Plan funds. The Comparative Chart below identifies these designated investment alternatives and provides information regarding the alternatives. Investment Manager: For information regarding the designated investment manager for the Plan (if any), please contact your Plan Sponsor. The Plan's Self-Directed Brokerage Account Option Through your plan account you may access your Self Directed Brokerage Account (SDBA), a separate investment vehicle which provides a direct link to Charles Schwab & Co.'s sonal Choice Retirement Account (PCRA). The SDBA gives you the opportunity to select and manage investments from a larger universe of investment options. To obtain more information about your SDBA, including any fee and expense information, please contact your Plan Sponsor or SDBA Enrollment Brochure. Note: Offered through Charles Schwab & Co. at an additional cost. Charles Schwab & Co. is not an affiliate or subsidiary of MassMutual. This option is intended for knowledgeable investors. The level of risk will vary depending on the investment choices a participant makes. MassMutual may assess an annual account maintenance fee of up to $100 annually for maintaining an SDBA. The annual fee is subtracted from your core investment assets. Any additional trading restrictions or limitations imposed on the amounts that may be invested in the SDBA are disclosed here: The maximum percentage of your account that can be transferred to the SDBA is Your Plan has the following initial minimum transfer requirement: $ Subsequent transfers may be made of at least the following amount:.00 A SDBA offered through a 403(b) plan will exclusively offer mutual funds as investment alternatives. For more information on how to establish a Self Directed Brokerage Account go to or contact the MassMutual Participant Information Center at Glossary of Terms: Please visit for a glossary of investment terms relevant to the investment options under this Plan. This glossary is intended to help you better understand your options. 2

13 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: This section includes important information to help you compare the investment alternatives offered under your Plan. If you want additional information about your investment options, you can go to the specific Internet web site addresses shown below or you can contact the MassMutual Participant Information Center at If you are currently not participating in the Plan, contact Employee Benefits Services Unit at (925) or 651 Pine St. 5th FL, Martinez CA To help achieve long-term retirement security, you should give careful consideration to the benefits of a well-balanced and diversified investment portfolio. Spreading your assets among different types of investments can help you achieve a favorable rate of return, while minimizing your overall risk of losing money. This is because market or other economic conditions that cause one category of assets, or one particular security, to perform very well often cause another asset category, or another particular security, to perform poorly. If you invest more than 20 of your retirement savings in any one company, industry or class of investment, your savings may not be properly diversified. Although diversification is not a guarantee against loss, it is an effective strategy to help you manage investment risk. In deciding how to invest your retirement savings, you should take into account all of your assets, including any retirement savings outside of the Plan. No single approach is right for everyone because, among other factors, individuals have different financial goals, different time horizons for meeting their goals, and different tolerances for risk. It is also important to periodically review your investment portfolio, your investment objectives, and the investment alternatives under the Plan to help ensure that your retirement savings will meet your retirement goals. Document Summary This section focuses on the performance of investment alternatives that have a fixed or stated rate of return. The chart shows the annual rate of return of each such alternative, the term or length of time that you will earn this rate of return and other information relevant to performance. 3

14 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Name of Investment Type of Investment Investment Inception Date Investment Manager Investment Profile CASH Guaranteed Int Acct (61279) STABLE VALUE MassMutual Fixed Return Investments Rate of Return Term Shareholder-Type Fees, Restrictions and Other 3.10 Semi-annually The rate of return listed was effective beginning on 01/01/2015, is reset Semi-annually, and is calculated net of certain contract expenses. Under the terms of your group annuity contract, there is a guaranteed minimum gross interest rate of Although the gross rate of return provided under the contract will never fall below 1.00, the net rate of return may, in some instances, be 1.00 after applicable expenses are deducted from the contract. Current rate of return information is available by contacting the MassMutual Participant Information Center at If you are currently not participating in the Plan, contact Employee Benefits Services Unit at (925) or 651 Pine St. 5th FL, Martinez CA Your Plan's stable value investment is provided by a group annuity contract (the "Contract") held in your plan's trust. While the Contract pays a fixed credited rate (disclosed above), on each day on which there is cash flow into or out of the trust, the rate of interest you receive from the trust may be more or the Contract's disclosed fixed credited rate. This section focuses on the performance of investment alternatives that do not have a fixed or stated rate of return. The chart shows how these alternatives have performed over time and allows you to compare them with an appropriate benchmark for the same time periods. Past performance does not guarantee how the investment alternative will perform in the future. Your investment in these alternatives could lose money. Information about an investment alternative's principal risks is available on the Investment Profile. You can obtain a specific Investment Profile using the web site address provided for the specific investment alternative in the Comparative Chart. This chart also shows fee and expense information for the investment alternatives under your Plan. It shows the Total Expense which are expenses that reduce the rate of return of the investment alternative. Any shareholder-type fees are also disclosed. These fees are in addition to Total Expenses. Expense information is reflected as of the date of this report and may change over time. Please note that expense information for each investment alternative reflected on the Investment Profile is updated from time to time. Please see the Investment Profile which includes current expense information as well as the date the expenses were most recently updated. 4

15 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Variable Return Investments Fees and Expense Information Name of Investment Type of Investment Investment Inception Date Investment Manager Investment Profile CASH Prime Money Market Fd STABLE VALUE 01/01/ BOND PIMCO Total Return Fund INTERMEDIATE TERM BOND 01/01/2002 PIMCO Funds PIMCO Real Return Fund INTERMEDIATE TERM BOND 09/04/2008 PIMCO Funds Loomis Sayles Bond Fund MULTI SECTOR BOND 02/01/2002 Natixis Funds Average Total Return as of 05/31/ Year 5 Year Benchmark 10 years 1Year 5 Year 10 years N/A CitiTreasury Bill 3Mon Barclays US Agg Bond Barclays US TIPS Treasury Idx Barclays US Agg Bond Gross Total Expenses Net Total Expenses** Shareholder-Type 0.16 $ $ $ $ $ $ $ $6.30 Fees, Restrictions and Other 5

16 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Variable Return Investments Fees and Expense Information Name of Investment Type of Investment Investment Inception Date Investment Manager Investment Profile ASSET ALLOCATION Invesco Equity and Income Fund ASSET ALLOCATION/LIFESTYLE 06/02/2010 Invesco Target Rtrmnt Incm Fd ASSET ALLOCATION/LIFECYCLE 11/01/ Target Rtrmnt 2010 Fd ASSET ALLOCATION/LIFECYCLE 06/08/ Target Rtrmnt 2015 Fd ASSET ALLOCATION/LIFECYCLE 10/28/ Target Rtrmnt 2020 Fd ASSET ALLOCATION/LIFECYCLE 06/08/ Average Total Return as of 05/31/ Year 5 Year Benchmark 10 years 1Year 5 Year 10 years Lipper Balanced Index DJ Target Today Index DJ Target 2010 Index DJ Target 2015 Index DJ Target 2020 Index Gross Total Expenses Net Total Expenses** Shareholder-Type 0.50 $ $ $ $ $ $ $ $ $ $1.60 Fees, Restrictions and Other 6

17 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Variable Return Investments Fees and Expense Information Name of Investment Type of Investment Investment Inception Date Investment Manager Investment Profile Target Rtrmnt 2025 Fd ASSET ALLOCATION/LIFECYCLE 10/28/ Target Rtrmnt 2030 Fd ASSET ALLOCATION/LIFECYCLE 06/08/ Target Rtrmnt 2035 Fd ASSET ALLOCATION/LIFECYCLE 10/28/ Target Rtrmnt 2040 Fd ASSET ALLOCATION/LIFECYCLE 06/08/ Target Rtrmnt 2045 Fd ASSET ALLOCATION/LIFECYCLE 10/28/ Average Total Return as of 05/31/ Year 5 Year Benchmark 10 years 1Year 5 Year 10 years DJ Target 2025 Index DJ Target 2030 Index DJ Target 2035 Index DJ Target 2040 Index DJ Target 2045 Index Gross Total Expenses Net Total Expenses** Shareholder-Type 0.17 $ $ $ $ $ $ $ $ $ $1.80 Fees, Restrictions and Other 7

18 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Variable Return Investments Fees and Expense Information Name of Investment Type of Investment Investment Inception Date Investment Manager Investment Profile Target Rtrmnt 2050 Fd ASSET ALLOCATION/LIFECYCLE 06/08/ Target Rtrmnt 2055 Fd ASSET ALLOCATION/LIFECYCLE 08/19/ Target Rtrmnt 2060 Fd ASSET ALLOCATION/LIFECYCLE 01/20/ STOCK American Century Value Fund LARGE CAP VALUE 10/01/1993 American Century American Century Eqty Incm Fd LARGE CAP VALUE 01/01/2000 American Century Average Total Return as of 05/31/ Year 5 Year Benchmark 10 years 1Year 5 Year 10 years DJ Target 2050 Index 7.52 N/A DJ Target 2055 Index 7.52 N/A DJ Target 2055 Index S&P 500 Index Russell 1000 Value Idx Gross Total Expenses Net Total Expenses** Shareholder-Type 0.18 $ $ $ $ $ $ $ $ $ $7.30 Fees, Restrictions and Other 8

19 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Variable Return Investments Fees and Expense Information Name of Investment Type of Investment Investment Inception Date Investment Manager Investment Profile Hartford Dividend & Gr HLS Fd LARGE CAP VALUE 01/01/2004 Hartford HLS Davis New York Venture Fund LARGE CAP CORE 01/02/1997 Davis Total Stck Mkt Idx Fd LARGE CAP CORE 01/01/ Institutional Indx Fd LARGE CAP CORE 01/01/ Hartford Capital Apprec HLS Fd LARGE CAP CORE 01/01/2004 Hartford HLS Average Total Return as of 05/31/ Year 5 Year Benchmark 10 years 1Year 5 Year 10 years S&P 500 Index S&P 500 Index Russell 1000 Idx S&P 500 Index Russell 1000 Idx Gross Total Expenses Net Total Expenses** Shareholder-Type 0.67 $ $ $ $ $ $ $ $0.40 Fees, Restrictions and Other 0.67 $ $6.70 Transfers not allowed between 2:30 p.m. and 4 p.m. ET each day 9

20 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Variable Return Investments Fees and Expense Information Name of Investment Type of Investment Investment Inception Date Investment Manager Investment Profile Calvert Equity Portfolio Fund LARGE CAP GROWTH 11/01/2008 Calvert Highland Prmr Growth Equity Fd LARGE CAP GROWTH 01/01/1997 Highland Funds American Fds Grth Fnd America LARGE CAP GROWTH 11/01/1987 American Funds T. Rowe Price Growth Stock Fd LARGE CAP GROWTH 01/02/1997 T. Rowe Price Invesco American Franchise Fd LARGE CAP GROWTH 12/23/2010 Invesco Average Total Return as of 05/31/ Year 5 Year Benchmark 10 years 1Year 5 Year 10 years S&P 500 Index Russell 1000 Growth Index S&P 500 Index S&P 500 Index Russell 1000 Growth Index Gross Total Expenses Net Total Expenses** Shareholder-Type 0.85 $ $ $ $ $ $ $ $ $ $7.00 Fees, Restrictions and Other 10

21 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Variable Return Investments Fees and Expense Information Name of Investment Type of Investment Investment Inception Date Investment Manager Investment Profile Htchks and Wly Mid Cap Val Fd MID CAP VALUE 01/01/2005 Hotchkis and Wiley Mid Cap Index Fund MID CAP CORE 01/01/ Artisan Mid Cap Fund MID CAP GROWTH 03/05/1998 Artisan Hartford MidCap HLS Fund MID CAP GROWTH 01/01/2004 Hartford HLS American Century Sm Cap Val Fd SMALL CAP VALUE 01/01/2002 American Century Average Total Return as of 05/31/ Year 5 Year Benchmark 10 years 1Year 5 Year 10 years Russell Mid Cap Idx Russell Mid Cap Idx Russell Mid Cap Idx Russell Mid Cap Growth Index Russell 2000 Value Idx Gross Total Expenses Net Total Expenses** Shareholder-Type 1.26 $ $ $ $ $ $ $ $ $ $11.00 Fees, Restrictions and Other 11

22 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Variable Return Investments Fees and Expense Information Name of Investment Type of Investment Investment Inception Date Investment Manager Investment Profile Keeley Small Cap Value Fund SMALL CAP CORE 01/01/2008 Keeley Funds Small Cap Index Fund SMALL CAP CORE 01/01/ Baron Small Cap Fund SMALL CAP GROWTH 05/30/2009 Baron Hartford Small Company HLS Fd SMALL CAP GROWTH 01/01/2004 Hartford HLS Amer Fnds Cap Wld Gr and In Fd INTL/GLOBAL LARGE VALUE 09/20/2008 American Funds Average Total Return as of 05/31/ Year 5 Year Benchmark 10 years 1Year 5 Year 10 years Russell 2000 Idx Russell 2000 Idx Russell 2000 Growth Index Russell 2000 Growth Index MSCI World Idx Gross Total Expenses Net Total Expenses** Shareholder-Type 1.10 $ $ $ $ $ $ $ $7.10 Fees, Restrictions and Other 0.49 $ $4.90 Transfers not allowed between 2:30 p.m. and 4 p.m. ET each day 12

23 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Variable Return Investments Fees and Expense Information Name of Investment Type of Investment Investment Inception Date Investment Manager Investment Profile MFS International Value Fund INTL/GLOBAL LARGE VALUE 04/29/2006 MFS Investment Management AmerFunds EuroPacific Gr Fund INTL/GLOBAL LARGE CORE 05/16/2002 American Funds Tot Intl Stck Indx Fd INTL/GLOBAL LARGE CORE 11/30/ Oppenheimer Global Fund INTL/GLOBAL LARGE GROWTH 11/17/1998 Oppenheimer American Century Intl Gr Fd INTL/GLOBAL LARGE GROWTH 01/01/2005 American Century Average Total Return as of 05/31/ Year 5 Year Benchmark 10 years 1Year 5 Year 10 years MSCI EAFE Idx MSCI AC World ex-usa N/A MSCI EAFE Idx MSCI World Idx MSCI AC World ex-usa Gross Total Expenses Net Total Expenses** Shareholder-Type Fees, Restrictions and Other 0.76 $ $7.40 Transfers not allowed between 2:30 p.m. and 4 p.m. ET each day 0.54 $ $5.40 Transfers not allowed between 2:30 p.m. and 4 p.m. ET each day 0.14 $ $1.40 Transfers not allowed between 2:30 p.m. and 4 p.m. ET each day 0.88 $ $8.80 Transfers not allowed between 2:30 p.m. and 4 p.m. ET each day 1.18 $ $11.80 Transfers not allowed between 2:30 p.m. and 4 p.m. ET each day 13

24 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: Variable Return Investments Fees and Expense Information Name of Investment Type of Investment Investment Inception Date Investment Manager Investment Profile MFS Int'l New Discovery Fund INTL/GLOBAL SMALL/MID CAP 06/02/2012 MFS Investment Management Invesco Real Estate Fund REITS 10/03/2008 Invesco MFS Utilities Fund SPECIALTY 06/02/2012 MFS Investment Management Ivy Science and Technology Fd SPECIALTY 04/03/2007 Ivy Funds Hartford Healthcare HLS Fund SPECIALTY 01/01/2004 Hartford HLS Average Total Return as of 05/31/ Year 5 Year Benchmark 10 years 1Year 5 Year 10 years MSCI ACWI Ex US SMID FTSE NAREIT Equity REIT Index S&P 500 Ig/Utilities S&P 500 Index S&P 500 Index Gross Total Expenses Net Total Expenses** Shareholder-Type Fees, Restrictions and Other 1.02 $ $10.20 Transfers not allowed between 2:30 p.m. and 4 p.m. ET each day 1.00 $ $ $ $ $ $ $ $

25 ::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::::: *The benchmark since inception return is calculated from the month-end of the investment's inception. **The Net Total Expenses include any investment expense waiver/reimbursement arrangements documented in the investment's prospectus and may be lower than the Gross Total Expenses due to the indicated expense waivers or reimbursements, which may be subject to expiration. Additional information regarding investment expense waivers specific to each investment is included in this document, if available, including whether the waiver is contractual or voluntary and its date of expiration. All available information about investment expense waivers is current and complete as of the date of this report. If information regarding the waivers is incomplete, it is because our third-party data provider was unable to make the information available. For some investments, the Net Total Expense ratio figure reflects the subtraction of interest expense, which results from an investment's use of certain other investments. This expense is required to be treated as an investment expense for accounting purposes, but is not payable to the investment adviser or subadviser (if applicable). For more information, please see the investment profile or the prospectus that corresponds to the investment, which are both available from MassMutual. Contact the MassMutual Participant Information Center at If you are currently not participating in the Plan, contact Employee Benefits Services Unit at (925) or 651 Pine St. 5th FL, Martinez CA Other share classes of an investment or its underlying investment (depending upon the investment) may have existed longer, which may account for any pre-inception performance shown. If pre-inception performance is shown, it is generally the performance of an older share class of the investment itself or its underlying investment (depending upon the investment) adjusted for fees and expenses of the newer share class. However, if using the expenses of the newer share class rather than the expenses of the older share class (due to lower expenses of the newer share class) would result in better performance, then pre-inception performance represents that of the older share class without any expense adjustment. The cumulative effect of fees and expenses can substantially reduce the growth of your retirement savings. Visit the U.S. Department of Labor's Website for an example showing the long-term effect of fees and expenses at Fees and expenses are only one of many factors to consider when you decide to invest in an alternative. You may also want to think about whether an investment in a particular option, along with your other investments, will help you achieve your financial goals. To obtain additional information about the Plan's designated investment alternatives, please obtain the Investment Profiles for the specific investment alternatives you are interested in using the web site addresses provided in the Comparative Chart or go to You have the right to request the following information relating to the Plan's investment alternatives: copies of prospectuses or any short-form or summary prospectus or similar documents, financial statements or reports, a statement of the value of each investment available under the Plan as well as the valuation date, and a list of the assets that make up the portfolio of each investment under the Plan that constitute "plan assets" within the meaning of U.S. Department of Labor regulations and the value of each of these assets. In addition, you may request a free paper copy of the information available on the web site(s) listed on the Comparative Charts above and the Glossary of Investment Terms. This information can be obtained by contacting Employee Benefits Services Unit at (925) or 651 Pine St. 5th FL, Martinez CA or MassMutual Participant Information Center, P.O. Box , Kansas City, MO ,