Retirement Plan Provider & Investment Review Update
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- Alaina Poole
- 5 years ago
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1 Retirement Plan Provider & Investment Review Update Presented By: Julie Freestone - Executive Director, Human Resources Angie Mirrione - MRP Retirement Plan Consulting
2 Plan Administration Responsibilities Record-keeper selection and management Investment fund selection and management Plan fees Overall plan administration Fiduciary Committee Members: Chief Financial Officer (Curtis Ryan) Provost or designee (Lauren Lo Re) Chief HR Officer (Julie Freestone) Board of Trustee Member (Bill Orchow)
3 Current Plan Design Individual Contracts Total fees =.52% Group Plan Total fees =.45% Group Plan Total fees =.85% Individual Contracts Total fees = 1.61% Investment Options Investment Options Investment Options Investment Options Investment Advice Investment Advice Investment Advice Investment Advice Recordkeeping Recordkeeping Recordkeeping Recordkeeping
4 Key Plan Components Recordkeeping Services - Maintain account balances - Process transfers between funds - Process loans & withdrawals - Provide statements, web access, customer service - Hold plan documents - Conduct compliance functions Investment Advice - Fund allocations and rebalancing - Projections and scenarios - Retirement planning - Transition to retirement Investment Platform - Investment choices in key asset classes - Target date funds
5 Recordkeeper Evaluation Criteria ü Participant Fees ü Open Architecture ü Customer Service ü Conversion Experience ü Recordkeeping Services ü Compliance Services ü Participant Communications and Reporting
6 Recordkeeping RFI Process Proposal Requested Finalists: Invited to Present to Committee Committee recommendation to move to a single provider.
7 MRP Advisor Services Independent advisors Same level of service regardless of account balance Fiduciary standard vs. Suitability standard Ongoing investment monitoring Ongoing fee negotiations
8 New Plan Design Total Fees Recordkeeping Services.13% Investment Advice.06% Investment Platform Investment Options.20%.39%
9 Current Plan Fees Plan Fee Overview New Group Plan Fees 403b Group Plans Total Plan Fees 403b Total Annual 0.45% 0.39% 0.85% 403 Individual Plans Total Plan Fees 0.52% 1.61%
10 Investment Fund Review and Analysis
11 Recommended Investment Options DOMESTIC EQUITY VALUE BLEND GROWTH LARGE Invesco Diversified Dividend Y *TIAA-CREF Social Choice Eq Instl Vanguard 500 Index Admiral *Parnassus Endeavor Investor MEDIUM Victory Sycamore Estab. Value I Vanguard Mid Cap Index Adm Eagle Mid Cap Growth R6 SMALL Undiscovered Managers Behavioral Val L Vanguard Small Cap Index Adm Janus Triton N INTERNATIONAL EQUITY VALUE BLEND GROWTH LARGE Templeton Foreign R6 Henderson Intl. Opportunities I Oppenheimer Developing Mkts Y *AB Sustainable Global Thematic I Oppenheimer International Growth Y *Social Responsible investment option
12 Recommended Investment Options FIXED INCOME OPTIONS INTERMEDIATE TERM BOND NON TRADITIONAL BOND FIXED/STABLE VALUE Prudential Total Return Bond Q BlackRock Strategic Income Opps K Transamerica Stable Value OTHER STYLES INDEX BASED TARGET DATE FUNDS SPECIALTY Vanguard Target Date Retirement Funds (2010, 2015, 2020, 2025, 2030, 2035, 2040, 2045, 2050, 2055, 2060) Invesco Balanced-Risk Principal Diversified Real Asset Principal Real Estate Securities *Social Responsible investment option
13 Socially Responsible Funds ESG = Environmental, Social and Government standards Good stewards of the environment Treat employees, customers, suppliers fairly Safe products, high ethical standards TIAA-Cref Social Choice Equity Domestic Large Blend) Parnassus Endeavor (Domestic Large Growth) AB Sustainable Global (International Large Blend)
14 Recommended Target Date Fund
15 Month Transition Timeline Action April Investment platform finalized Individual appointments with MRP available August Required notice of transition Mapping strategy Blackout dates (distributions, investment changes) Resources (1-800, website, MRP) September/October Group information meetings Individual appointments (asset allocation, rollover assistance, investment and planning advice) New contributions begin at Transamerica Assets transfer (blackout period approx. 3 weeks)
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