ABC COMPANY, INC. 401(K) PLAN Planillustrator For the period 10/01/2013 to 12/31/2013. Table of Contents. Plan Design Page 2 Plan Demographics Page 4

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3 } Table of Contents Section I Section II Plan Design Page 2 Plan Demographics Page 4

4 } Section I Plan Design Page 2

5 Section I Plan Design Plan Name: Plan Year End: 12/31 Eligibility: 18.0 [0] Plan Number: Maximum Deferral Percentage: 100% Open Enrollment: Quarterly Employer Vesting: 100% immediate Loans: Yes Hardships: Yes Qualified Default Investment Option: Yes Plan Advisor : BOB SMITH ADVISOR COMPANY NAME 2010 MAIN STREET SUITE 1220 IRVINE, CA bsmith@advisorcompany.com (949) Beginning Balance as of 10/01/2013: $6,320, Ending Balance as of 12/31/2013: $7,070, The preceding summary of plan terms is provided for quick reference in the context of a periodic review of the investments and certain aspects of the operation of the named retirement plan. It is not intended to communicate plan provisions to participants or beneficiaries, to amend or modify the plan, or otherwise form a part of the plan. If the summary conflicts with the terms of the plan, the terms of the plan will be followed. Page 3

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7 Cash Flow Summary Cash Inflow Contributions $306, Dividends $192, Loan Repayments $12, Interest on Loans $1, Total Cash Inflow $511, Cash Outflow Loan Withdrawals ($4,900.00) Withdrawals ($10,398.10) Fees ($360.00) Total Cash Outflow ($15,658.10) Net Cash Flow $496, Page 5

8 Net Flow - Contributions by Fund (sorted alphabetically) (sorted by asset value) Columbia US Government Mortgage A $10,561 Delaware Diversified Income R $12,400 Franklin Growth Opportunities R $25,506 Franklin Growth R $16,411 Franklin Money A $17,659 Franklin Templeton Growth Alloc R $11,288 Franklin Templeton Moderate Allc R $14,082 Invesco Diversified Dividend R $25,767 JPMorgan SmartRetirement 2010 R2 $516 JPMorgan SmartRetirement 2015 R2 $4,656 JPMorgan SmartRetirement 2020 R2 $7,974 JPMorgan SmartRetirement 2025 R2 $3,416 JPMorgan SmartRetirement 2030 R2 $17,666 JPMorgan SmartRetirement 2035 R2 $16,769 JPMorgan SmartRetirement 2040 R2 $1,263 JPMorgan SmartRetirement 2045 R2 $10,746 JPMorgan SmartRetirement 2050 R2 $5,909 JPMorgan SmartRetirement Income R2 $1,229 MFS International Divers R3 $4,929 Nuveen Mid Cap Index R3 $12,965 Nuveen Small Cap Index R3 $3,536 Oppenheimer Developing Markets N $10,747 Principal LC S&P 500 Index R3 $8,187 Prudential Jennison Small Company R $11,763 Templeton Foreign R $21,816 Victory Established Value R $12,655 Victory Small Company Opportunity R $15,855 Invesco Diversified Dividend R Franklin Growth Opportunities R Templeton Foreign R JPMorgan SmartRetirement 2030 R2 Franklin Money A JPMorgan SmartRetirement 2035 R2 Franklin Growth R Victory Small Company Opportunity R Franklin Templeton Moderate Allc R Nuveen Mid Cap Index R3 Victory Established Value R Delaware Diversified Income R Prudential Jennison Small Company R Franklin Templeton Growth Alloc R Oppenheimer Developing Markets N JPMorgan SmartRetirement 2045 R2 Columbia US Government Mortgage A Principal LC S&P 500 Index R3 JPMorgan SmartRetirement 2020 R2 JPMorgan SmartRetirement 2050 R2 MFS International Divers R3 JPMorgan SmartRetirement 2015 R2 Nuveen Small Cap Index R3 JPMorgan SmartRetirement 2025 R2 JPMorgan SmartRetirement 2040 R2 JPMorgan SmartRetirement Income R2 JPMorgan SmartRetirement 2010 R2 0K 4K 8K 12K 16K 20K 24K 28K Page 6

9 Net Flow - Exchanges by Fund (sorted alphabetically) (sorted by asset value) Columbia US Government Mortgage A $0 Delaware Diversified Income R ($2,277) Franklin Growth Opportunities R $6,609 Franklin Growth R $0 Franklin Money A $0 Franklin Templeton Growth Alloc R ($18,046) Franklin Templeton Moderate Allc R $0 Invesco Diversified Dividend R ($2,395) JPMorgan SmartRetirement 2010 R2 $0 JPMorgan SmartRetirement 2015 R2 $0 JPMorgan SmartRetirement 2020 R2 $0 JPMorgan SmartRetirement 2025 R2 $0 JPMorgan SmartRetirement 2030 R2 $0 JPMorgan SmartRetirement 2035 R2 $0 JPMorgan SmartRetirement 2040 R2 $0 JPMorgan SmartRetirement 2045 R2 $0 JPMorgan SmartRetirement 2050 R2 $0 JPMorgan SmartRetirement Income R2 $0 MFS International Divers R3 $0 Nuveen Mid Cap Index R3 $0 Nuveen Small Cap Index R3 $2,485 Oppenheimer Developing Markets N ($1,586) Principal LC S&P 500 Index R3 $16,075 Prudential Jennison Small Company R $0 Templeton Foreign R $767 Victory Established Value R ($1,633) Victory Small Company Opportunity R $0 Principal LC S&P 500 Index R3 Franklin Growth Opportunities R Nuveen Small Cap Index R3 Templeton Foreign R Columbia US Government Mortgage A Franklin Growth R Franklin Money A Franklin Templeton Moderate Allc R JPMorgan SmartRetirement 2010 R2 JPMorgan SmartRetirement 2015 R2 JPMorgan SmartRetirement 2020 R2 JPMorgan SmartRetirement 2025 R2 JPMorgan SmartRetirement 2030 R2 JPMorgan SmartRetirement 2035 R2 JPMorgan SmartRetirement 2040 R2 JPMorgan SmartRetirement 2045 R2 JPMorgan SmartRetirement 2050 R2 JPMorgan SmartRetirement Income R2 MFS International Divers R3 Nuveen Mid Cap Index R3 Prudential Jennison Small Company R Victory Small Company Opportunity R Oppenheimer Developing Markets N Victory Established Value R Delaware Diversified Income R Invesco Diversified Dividend R Franklin Templeton Growth Alloc R -20K -15K -10K -5K 0K 5K 10K 15K 20K Page 7

10 Contributions by Source Source Amount SALARY DEFERRAL $292, EMPLOYEE ROLLOVER $14, Total $306, Page 8

11 Withdrawals by Fund (sorted alphabetically) Fund Withdrawals Columbia US Government Mortgage A $0 Delaware Diversified Income R $0 Franklin Growth Opportunities R $0 Franklin Growth R $0 Franklin Money A $7,429 Franklin Templeton Growth Alloc R $0 Franklin Templeton Moderate Allc R $0 Invesco Diversified Dividend R $0 JPMorgan SmartRetirement 2010 R2 $0 JPMorgan SmartRetirement 2015 R2 $0 JPMorgan SmartRetirement 2020 R2 $0 JPMorgan SmartRetirement 2025 R2 $0 JPMorgan SmartRetirement 2030 R2 $0 JPMorgan SmartRetirement 2035 R2 $2,969 JPMorgan SmartRetirement 2040 R2 $0 JPMorgan SmartRetirement 2045 R2 $0 JPMorgan SmartRetirement 2050 R2 $0 JPMorgan SmartRetirement Income R2 $0 MFS International Divers R3 $0 Nuveen Mid Cap Index R3 $0 Nuveen Small Cap Index R3 $0 Oppenheimer Developing Markets N $0 Principal LC S&P 500 Index R3 $0 Prudential Jennison Small Company R $0 Templeton Foreign R $0 Victory Established Value R $0 Victory Small Company Opportunity R $0 Franklin Money A JPMorgan SmartRetirement 2035 R2 Columbia US Government Mortgage A Delaware Diversified Income R Franklin Growth Opportunities R Franklin Growth R Franklin Templeton Growth Alloc R Franklin Templeton Moderate Allc R Invesco Diversified Dividend R JPMorgan SmartRetirement 2010 R2 JPMorgan SmartRetirement 2015 R2 JPMorgan SmartRetirement 2020 R2 JPMorgan SmartRetirement 2025 R2 JPMorgan SmartRetirement 2030 R2 JPMorgan SmartRetirement 2040 R2 JPMorgan SmartRetirement 2045 R2 JPMorgan SmartRetirement 2050 R2 JPMorgan SmartRetirement Income R2 MFS International Divers R3 Nuveen Mid Cap Index R3 Nuveen Small Cap Index R3 Oppenheimer Developing Markets N Principal LC S&P 500 Index R3 Prudential Jennison Small Company R Templeton Foreign R Victory Established Value R Victory Small Company Opportunity R (sorted by asset value) 0K 1K 2K 3K 4K 5K 6K 7K 8K Page 9

12 Plan Trends Total Plan Assets Average Account Balance $7,070, $38, % 6.69% 12.89% 22.39% 51.02% U.S. Equity 51.02% Allocation 22.39% International Equity 12.89% Taxable Bond 6.69% Money Market 7.01% Total: % Contributions Contribution % Total Assets Asset % Total Participants U.S. Equity Franklin Growth Opportunities R $25, % $722, % 63 Franklin Growth R $16, % $443, % 54 Invesco Diversified Dividend R $25, % $977, % 50 Nuveen Mid Cap Index R3 $12, % $180, % 37 Nuveen Small Cap Index R3 $3, % $67, % 18 Principal Large Cap S&P 500 Index R3 $8, % $260, % 18 Prudential Jennison Small Company R $11, % $237, % 33 Victory Established Value R $12, % $237, % 37 Victory Small Company Opportunity R $15, % $480, % 43 U.S. Equity Totals $132, % $3,607, % Allocation Franklin Templeton Growth Allocation R $11, % $558, % 31 Franklin Templeton Moderate Allc R $14, % $229, % 19 JPMorgan SmartRetirement 2010 R2 $ % $6, % 3 JPMorgan SmartRetirement 2015 R2 $4, % $67, % 19 JPMorgan SmartRetirement 2020 R2 $7, % $48, % 10 JPMorgan SmartRetirement 2025 R2 $3, % $40, % 9 JPMorgan SmartRetirement 2030 R2 $17, % $328, % 11 JPMorgan SmartRetirement 2035 R2 $16, % $83, % 14 JPMorgan SmartRetirement 2040 R2 $1, % $86, % 7 JPMorgan SmartRetirement 2045 R2 $10, % $98, % 15 JPMorgan SmartRetirement 2050 R2 $5, % $25, % 11 JPMorgan SmartRetirement Income R2 $1, % $7, % 3 Page 10

13 Plan Trends (cont) Contributions Contribution % Total Assets Asset % Total Participants Allocation Totals $95, % $1,583, % International Equity MFS International Diversification R3 $4, % $84, % 18 Oppenheimer Developing Markets N $10, % $149, % 31 Templeton Foreign R $21, % $677, % 51 International Equity Totals $37, % $911, % Taxable Bond Columbia US Government Mortgage A $10, % $317, % 41 Delaware Diversified Income R $12, % $155, % 37 Taxable Bond Totals $22, % $473, % Money Market Franklin Money A $17, % $495, % 47 Money Market Totals $17, % $495, % Plan Totals $306, % $7,070, % Page 11

14 Participant Counts and Balances by Status Participants Balances Status Participants Beneficiary w/balance 1 Eligible/Contributing 151 Eligible/Not contributing 210 Hardship suspension 2 Ineligible/Age & Service Rmts 4 Terminated 24 Status Balance Beneficiary w/balance $14.04 Eligible/Contributing $6,393, Eligible/Not contributing $342, Hardship suspension $31, Ineligible/Age & Service Rmts $0.00 Terminated $302, Total 392 Total $7,070, Page 12

15 Asset Allocation by Age Band Plan's Asset Allocation, by Age Band Under & Over Unknown 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% U.S. Equity Allocation International Equity Taxable Bond Money Market Page 13

16 Average Balances by Age Band (Thousands of Dollars) < $10 $10 - $24.9 $25 - $49.9 $50 - $99.9 $100 - $149.9 $150 - $249.9 > $250 Number of Participants Age Bands Under & Over Unknown Total Participants Balance $448,741 $1,828,460 $2,725,508 $1,757,180 $310,615 $14 $7,070,518 Average Balance $13,198 $41,556 $43,960 $51,682 $34,513 $14 $38,427 Under & Over Unknown $0 $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 Average Balances Page 14

17 Average Balances by Age Band and Fund Age Bands Average Balance Per Age Band Under & Over Unknown Columbia US Government Mortgage A $1,450 $5,322 $16,924 $15,004 $4,557 $0 Delaware Diversified Income R $1,440 $6,116 $3,948 $6,643 $986 $0 Franklin Growth Opportunities R $4,676 $15,863 $14,436 $12,132 $446 $0 Franklin Growth R $2,817 $6,977 $7,296 $15,155 $5,027 $0 Franklin Money A $7,066 $4,229 $10,860 $27,648 $11,686 $14 Franklin Templeton Growth Alloc R $1,586 $17,709 $30,096 $13,720 $185 $0 Franklin Templeton Moderate Allc R $832 $24,895 $9,737 $8,303 $0 $0 Invesco Diversified Dividend R $3,057 $13,371 $25,866 $37,232 $310 $0 JPMorgan SmartRetirement 2010 R2 $1,642 $1,630 $0 $0 $3,199 $0 JPMorgan SmartRetirement 2015 R2 $604 $3,896 $4,136 $1,254 $8,685 $0 JPMorgan SmartRetirement 2020 R2 $129 $0 $0 $3,000 $11,244 $0 JPMorgan SmartRetirement 2025 R2 $1,506 $2,023 $0 $6,832 $988 $0 JPMorgan SmartRetirement 2030 R2 $5,639 $603 $40,201 $0 $995 $0 JPMorgan SmartRetirement 2035 R2 $3,933 $4,250 $7,357 $0 $1,002 $0 JPMorgan SmartRetirement 2040 R2 $1,267 $16,845 $0 $0 $1,004 $0 JPMorgan SmartRetirement 2045 R2 $1,702 $6,018 $16,353 $0 $1,004 $0 JPMorgan SmartRetirement 2050 R2 $1,669 $4,388 $0 $0 $1,004 $0 JPMorgan SmartRetirement Income R2 $0 $529 $0 $5,588 $962 $0 MFS International Divers R3 $3,080 $3,825 $3,833 $7,772 $0 $0 Nuveen Mid Cap Index R3 $1,678 $5,167 $3,707 $9,133 $0 $0 Nuveen Small Cap Index R3 $2,461 $4,649 $4,995 $2,248 $0 $0 Oppenheimer Developing Markets N $3,376 $6,002 $5,388 $5,782 $300 $0 Principal LC S&P 500 Index R3 $275 $3,214 $16,819 $21,536 $0 $0 Prudential Jennison Small Company R $4,752 $3,664 $7,024 $14,046 $0 $0 Templeton Foreign R $5,716 $8,065 $10,043 $15,961 $76,746 $0 Victory Established Value R $2,850 $7,830 $8,283 $7,673 $382 $0 Victory Small Company Opportunity R $4,848 $12,267 $15,507 $8,392 $128 $0 Page 15

18 Average Balances by Age Band and Fund (cont) Templeton Foreign R Invesco Diversified Dividend R Franklin Templeton Growth Allocation R Franklin Money A Franklin Growth Opportunities R JPMorgan SmartRetirement 2030 R2 Franklin Templeton Moderate Allc R Columbia US Government Mortgage A Principal Large Cap S&P 500 Index R3 Victory Small Company Opportunity R Franklin Growth R Prudential Jennison Small Company R Victory Established Value R JPMorgan SmartRetirement 2045 R2 Oppenheimer Developing Markets N Nuveen Mid Cap Index R3 Delaware Diversified Income R JPMorgan SmartRetirement 2040 R2 JPMorgan SmartRetirement 2015 R2 MFS International Diversification R3 JPMorgan SmartRetirement 2035 R2 JPMorgan SmartRetirement 2020 R2 Nuveen Small Cap Index R3 JPMorgan SmartRetirement 2025 R2 JPMorgan SmartRetirement Income R2 JPMorgan SmartRetirement 2050 R2 JPMorgan SmartRetirement 2010 R2 $0 $20,000 $40,000 $60,000 $80,000 $100,000 $120,000 Under & Over Unknown Page 16

19 Average Investment Elections by Fund (sorted alphabetically) Fund Percentage** Columbia US Government Mortgage A 6% Delaware Diversified Income R 4% Franklin Growth Opportunities R 9% Franklin Growth R 6% Franklin Money A 6% Franklin Templeton Growth Alloc R 4% Franklin Templeton Moderate Allc R 3% Invesco Diversified Dividend R 8% JPMorgan SmartRetirement 2010 R2 0% JPMorgan SmartRetirement 2015 R2 1% JPMorgan SmartRetirement 2020 R2 2% JPMorgan SmartRetirement 2025 R2 1% JPMorgan SmartRetirement 2030 R2 4% JPMorgan SmartRetirement 2035 R2 3% JPMorgan SmartRetirement 2040 R2 2% JPMorgan SmartRetirement 2045 R2 3% JPMorgan SmartRetirement 2050 R2 3% JPMorgan SmartRetirement Income R2 0% MFS International Divers R3 1% Nuveen Mid Cap Index R3 5% Nuveen Small Cap Index R3 2% Oppenheimer Developing Markets N 4% Principal LC S&P 500 Index R3 3% Prudential Jennison Small Company R 3% Templeton Foreign R 5% Victory Established Value R 5% Victory Small Company Opportunity R 4% (**) Percentages reflect investment elections for active participants only. Total percentages may not equal 100%. Franklin Growth Opportunities R Invesco Diversified Dividend R Franklin Money A Columbia US Government Mortgage A Franklin Growth R Templeton Foreign R Nuveen Mid Cap Index R3 Victory Established Value R Victory Small Company Opportunity R Franklin Templeton Growth Alloc R Oppenheimer Developing Markets N JPMorgan SmartRetirement 2030 R2 Delaware Diversified Income R Prudential Jennison Small Company R Franklin Templeton Moderate Allc R JPMorgan SmartRetirement 2045 R2 Principal LC S&P 500 Index R3 JPMorgan SmartRetirement 2050 R2 JPMorgan SmartRetirement 2035 R2 JPMorgan SmartRetirement 2020 R2 Nuveen Small Cap Index R3 JPMorgan SmartRetirement 2040 R2 MFS International Divers R3 JPMorgan SmartRetirement 2015 R2 JPMorgan SmartRetirement 2025 R2 JPMorgan SmartRetirement Income R2 JPMorgan SmartRetirement 2010 R2 (sorted by value) 0% 2% 4% 6% 8% 10% Page 17

20 Average Investment Elections by Age Band and Fund Age Bands Average Election Per Age Band ** Under & Over Unknown Columbia US Government Mortgage A 1.61% 1.95% 1.60% 0.99% 0.00% 0.00% Delaware Diversified Income R 0.58% 0.99% 1.07% 1.05% 0.00% 0.00% Franklin Growth Opportunities R 2.23% 2.25% 2.79% 1.37% 0.00% 0.00% Franklin Growth R 0.71% 2.14% 1.44% 1.79% 0.00% 0.00% Franklin Money A 0.92% 0.92% 2.37% 1.45% 0.76% 0.00% Franklin Templeton Growth Alloc R 0.27% 1.22% 2.50% 0.42% 0.00% 0.00% Franklin Templeton Moderate Allc R 0.08% 1.83% 0.95% 0.46% 0.00% 0.00% Invesco Diversified Dividend R 1.57% 2.09% 2.82% 1.76% 0.00% 0.00% JPMorgan SmartRetirement 2010 R2 0.00% 0.15% 0.00% 0.00% 0.08% 0.00% JPMorgan SmartRetirement 2015 R2 0.27% 0.69% 0.15% 0.08% 0.08% 0.00% JPMorgan SmartRetirement 2020 R2 0.08% 0.00% 0.00% 0.92% 0.84% 0.00% JPMorgan SmartRetirement 2025 R2 0.08% 0.31% 0.00% 0.53% 0.08% 0.00% JPMorgan SmartRetirement 2030 R2 0.09% 0.00% 3.59% 0.00% 0.08% 0.00% JPMorgan SmartRetirement 2035 R2 0.00% 0.31% 2.29% 0.00% 0.08% 0.00% JPMorgan SmartRetirement 2040 R2 0.38% 1.11% 0.00% 0.00% 0.08% 0.00% JPMorgan SmartRetirement 2045 R2 1.07% 1.17% 0.99% 0.00% 0.08% 0.00% JPMorgan SmartRetirement 2050 R2 1.11% 1.53% 0.00% 0.00% 0.08% 0.00% JPMorgan SmartRetirement Income R2 0.00% 0.00% 0.00% 0.23% 0.08% 0.00% MFS International Divers R3 0.50% 0.23% 0.32% 0.31% 0.00% 0.00% Nuveen Mid Cap Index R3 1.64% 0.98% 1.73% 0.90% 0.00% 0.00% Nuveen Small Cap Index R3 0.38% 0.27% 0.94% 0.20% 0.00% 0.00% Oppenheimer Developing Markets N 2.02% 0.71% 1.00% 0.69% 0.00% 0.00% Principal LC S&P 500 Index R3 0.11% 0.11% 1.95% 1.05% 0.00% 0.00% Prudential Jennison Small Company R 1.15% 0.37% 0.79% 1.18% 0.00% 0.00% Templeton Foreign R 0.50% 1.30% 1.82% 1.07% 0.76% 0.00% Victory Established Value R 1.22% 1.24% 1.36% 0.84% 0.00% 0.00% Victory Small Company Opportunity R 1.30% 1.05% 1.89% 0.27% 0.00% 0.00% (**) Percentages reflect investment elections for active participants only. Total percentages may not equal 100%. Page 18

21 Average Investment Elections by Age Band and Fund (cont) Franklin Growth Opportunities R Invesco Diversified Dividend R Franklin Money A Columbia US Government Mortgage A Franklin Growth R Templeton Foreign R Nuveen Mid Cap Index R3 Victory Established Value R Victory Small Company Opportunity R Oppenheimer Developing Markets N Franklin Templeton Growth Allocation R JPMorgan SmartRetirement 2030 R2 Delaware Diversified Income R Prudential Jennison Small Company R Franklin Templeton Moderate Allc R JPMorgan SmartRetirement 2045 R2 Principal Large Cap S&P 500 Index R3 JPMorgan SmartRetirement 2050 R2 JPMorgan SmartRetirement 2035 R2 JPMorgan SmartRetirement 2020 R2 Nuveen Small Cap Index R3 JPMorgan SmartRetirement 2040 R2 MFS International Diversification R3 JPMorgan SmartRetirement 2015 R2 JPMorgan SmartRetirement 2025 R2 JPMorgan SmartRetirement Income R2 JPMorgan SmartRetirement 2010 R2 0% 2% 4% 6% 8% Under & Over Unknown Page 19

22 Participants and Number of Funds Held Number of Funds Held Participants 1 Fund 25.00% 2 Funds 9.78% 3 Funds 11.96% 4 Funds 15.76% 5 or more Funds 37.50% Total % Page 20

23 Participation Rates by Age Band Age Bands Number of: Under & Over Unknown Total Eligible Employees Participating Employees % of Participating Employees 38.89% 33.66% 44.64% 46.67% 37.50% 0.00% 40.44% Under & Over Unknown Total Eligible Participating Participation Rates The national average for participation is between 80-85%. The chart provides you with the percentage of participation in your plan. It also identifies a participation rate by age groups. Source: Deloitte Consulting, LLP (k) Benchmarking Survey Page 21

24 Average Deferral Percentage by Age Band Age Bands Average per Age Band Under & Over Unknown % Deferred 8.13% 7.43% 7.98% 7.25% 31.67% 0.00% Average 8.69% Under & Over Unknown Average 0% 5% 10% 15% 20% 25% 30% 35% % Deferred Average Annual Deferral Elective deferral contributions are a major (and in many cases, the primary) component of retirement savings for most participants. The age at which participants begin to defer also is important. The chart and graph break down deferral percentages by age group. Page 22

25 Average Number of Funds by Age Band Age Bands Average per Age Band Under & Over Unknown Number of Funds Average 4.06 Under & Over Unknown Average Average Number of Funds Average Number of Funds by Age Bands Diversification (while not a fail safe) limits exposure to market fluctuations. Understanding and implementing proper diversification among available investment options also optimizes the risk/reward balance. The chart and graph show the average number of funds by age group. It is an important indicator of whether participants, as a group, are adequately diversified. Page 23

26 Average Contribution by Age Band Age Bands Average Per Age Band Under & Over Unknown Contribution $1, $2, $2, $2, $2, $0.00 Average $2, Under & Over Unknown Average $0 $400 $800 $1,200 $1,600 $2,000 $2,400 Contribution Average Contribution by Age Bands Elective deferral contributions are a major (and in many cases, the primary) component of retirement savings for most participants. Preparing for retirement takes years of contributions and those contributions need to be substantial enough to accumulate an account balance to provide a secure retirement. This chart and graph illustrates what the average contribution is among your participants. Page 24

27 Allocation by Asset Class Asset Class U.S. Equity Large Blend Large Growth Large Value Mid-Cap Blend Mid-Cap Value Small Blend Small Growth Small Value Allocation Aggressive Allocation Moderate Allocation Retirement Income Target Date Target Date Target Date Target Date Target Date Target Date Target Date Target Date Target Date International Equity Diversified Emerging Mkts Foreign Large Blend Foreign Large Value Taxable Bond Intermediate Government Intermediate-Term Bond Money Market Money Market-Taxable Fund Market Value Percentage Principal LC S&P 500 Index R3 $260, % Franklin Growth Opportunities R $722, % Franklin Growth R $443, % Invesco Diversified Dividend R $977, % Nuveen Mid Cap Index R3 $180, % Victory Established Value R $237, % Nuveen Small Cap Index R3 $67, % Pru Jen Small Company R $237, % Victory Small Company Opp R $480, % Franklin Templeton Gr Alloc R $558, % Franklin Templeton Mod Alc R $229, % JPMorgan SmartRetirement Inc R2 $7, % JPMorgan SmartRetirement 2010 R2 $6, % JPMorgan SmartRetirement 2015 R2 $67, % JPMorgan SmartRetirement 2020 R2 $48, % JPMorgan SmartRetirement 2025 R2 $40, % JPMorgan SmartRetirement 2030 R2 $328, % JPMorgan SmartRetirement 2035 R2 $83, % JPMorgan SmartRetirement 2040 R2 $86, % JPMorgan SmartRetirement 2045 R2 $98, % JPMorgan SmartRetirement 2050 R2 $25, % Oppenheimer Developing Markets N $149, % MFS International Divers R3 $84, % Templeton Foreign R $677, % Columbia US Government Mtg A $317, % Delaware Diversified Income R $155, % Franklin Money A $495, % 22.39% 51.02% 12.89% 6.69% 7.01% U.S. Equity Allocation International Equity Taxable Bond Money Market Page 25

28 Plan Total $7,070, % Page 26

29 Fund Diversification by Age Band Funds Held by Age Band Asset Class Under & Over Unknown U.S. Equity Principal Large Cap S&P 500 Index R3 Large Blend Franklin Growth Opportunities R Large Growth Franklin Growth R Large Growth Invesco Diversified Dividend R Large Value Nuveen Mid Cap Index R3 Mid-Cap Blend Victory Established Value R Mid-Cap Value Nuveen Small Cap Index R3 Small Blend Prudential Jennison Small Company R Small Growth Victory Small Company Opportunity R Small Value Allocation Franklin Templeton Growth Allocation R Aggressive Allocation Franklin Templeton Moderate Allc R Moderate Allocation JPMorgan SmartRetirement Income R2 Retirement Income JPMorgan SmartRetirement 2010 R2 Target Date JPMorgan SmartRetirement 2015 R2 Target Date JPMorgan SmartRetirement 2020 R2 Target Date JPMorgan SmartRetirement 2025 R2 Target Date JPMorgan SmartRetirement 2030 R2 Target Date JPMorgan SmartRetirement 2035 R2 Target Date JPMorgan SmartRetirement 2040 R2 Target Date JPMorgan SmartRetirement 2045 R2 Target Date JPMorgan SmartRetirement 2050 R2 Target Date International Equity Oppenheimer Developing Markets N Diversified Emerging Mkts MFS International Diversification R3 Foreign Large Blend Templeton Foreign R Foreign Large Value Taxable Bond Columbia US Government Mortgage A Intermediate Government Delaware Diversified Income R Intermediate-Term Bond Page 27

30 Fund Diversification by Age Band (cont) Funds Held by Age Band Asset Class Under & Over Unknown Money Market Franklin Money A Money Market-Taxable Page 28

31 New and Outstanding Loans # Part % Part with Loans Total Loan Amt Avg Loan Amt Avg Bal Remain Bal Remain Avg Length (Years) Outstanding Loans % $166, $9, $6, $104, New Loans % $4, $2, $2, $4, Average Loan Balances Outstanding Loans New Loans 0K 2K 4K 6K 8K 10K Page 29

32 Average Loan Balance by Age Band Age Bands Average Per Age Band Under & Over Unknown Average Account Balance $ 13, $ 41, $ 43, $ 51, $ 34, $ $ 38, Loan Balance $ 4, $ 3, $ 15, $ $ 0.00 $ 0.00 $ 6, % Loan / Account Balance 35.64% 9.36% 34.71% 1.10% 0.00% 0.00% 15.93% Under & Over Unknown Average $0 $10,000 $20,000 $30,000 $40,000 $50,000 $60,000 Average Acct Balance Average Loan Balance Average Loan Balance Loans are a popular feature. The knowledge that deferrals may be borrowed back if needed, may encourage otherwise hesitant eligible employees to contribute. There is an opportunity cost associated with borrowing from retirement savings. The chart and graph provides information of plan loan utilization by age group. Page 30

33 Participant Web Site Statistics The chart below displays the number of logins and web hits (i.e. number of times a page is selected) for the reporting time period October 2013 November 2013 December 2013 Month Logins Hits October November December Total Page 31

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