Why John Hancock? Partner with a leader who has the courage and conviction to put Participants 1 st

Transcription

1 Why John Hancock? Partner with a leader who has the courage and conviction to put Participants 1 st FOR INTERMEDIARY USE ONLY. NOT FOR DISTRIBUTION WITH PLAN SPONSORS OR THE PUBLIC.

2 At John Hancock, we are guided by a set of core principles that are firmly in line with the original mandate of the 401(k) and centered on helping participants realize the retirement future they ve promised themselves. These values drive everything we do. With John Hancock as your partner, Plan Sponsors and their employees will benefit from an experienced industry leader who offers unparalleled service and support and a commitment to putting participants first. A legacy of innovation We ve always been known for innovation and continue to lead the industry by creating relevant, useful features that stand the test of time Color-coded investment option based on risk tolerance Plan Review Providing both plan and participant level information helps assess the overall health and performance of the plan and fulfill the ongoing fiduciary responsibilities FundCheck Part of our commitment to assist you in meeting your fiduciary responsibility to evaluate and monitor your plans investment options. The largest provider of multi-manager asset allocation portfolios in the county.* 1997 Fiduciary Standards Warranty giving you the option to offer your prospects fiduciary assurance when it comes to selecting their Fund lineup * PlanSponsor Magazine 2013 Asset Allocation Buyers Guide October 2013: John Hancock RPS is #1 in risk-based defined contribution assets with 15% share. ^ America Speaks Out on Retirement: 2012 Investor Research Study. SunAmerica Capital Services, Inc., June FOR INTERMEDIARY USE ONLY. NOT FOR DISTRIBUTION WITH PLAN SPONSORS OR THE PUBLIC.

3 Dynamic Plan Review works with you to ensure a Plans price and services stay competitive with the current market and continue to reflect the plans needs Wilshire 3(21) Adviser Service - A third party service to help manage your fiduciary responsibilities Declaration Warranties - We are centered on helping participants realize the retirement they ve promised themselves. Guaranteed Income for Life Select a unique feature in response to the concern that 97% of Baby Boomers face that they will outlive their retirement assets.^ Added ETFs to the platform offering participants lower cost options. # Fee Fairness A plan recordkeeping cost that is allocated uniformly across all Funds. Setting the standard for the quality of customized enrollment and participant tools and resources for over 25 years. FOR INTERMEDIARY USE ONLY. NOT FOR DISTRIBUTION WITH PLAN SPONSORS OR THE PUBLIC. 3

4 A Proven Leader One of the largest full-service providers of 401(k) plans across all plan sizes. Servicing close to 57,000 plans and helping nearly 2.8 million participants 1. In business for over 100 years and our customer focus drives innovative tools and services. Participants First Focus on the key drivers of successful outcomes and design our experience around the elements that matter most, ensuring employees: Save Early stressing the importance that each additional year of saving can make. Save More our goal setting and monitoring tools, immediately show participants the impact of their contributions. Invest Smart offering participants more opportunities for investing smart. We help participants get into diversified portfolios with close to 80% of our participants invested in an asset allocation option*. 4 FOR INTERMEDIARY USE ONLY. NOT FOR DISTRIBUTION WITH PLAN SPONSORS OR THE PUBLIC.

5 Investment Options It is essential that participants have access to a robust platform of multi-manager options based on a rigorous, ongoing due diligence process. Over 269 investment options No proprietary fund requirements or bias Nine different asset allocation suites Strive to offer the lowest available net investment cost for each Fund Clear and transparent presentation of investment details Guaranteed Income for Life Select Fiduciary support such as Declaration Warranties, Fiduciary Standards Warranty and Wilshire 3(21) Adviser Service. Declaration Warranties We are centered on helping participants realize the retirement they ve promised themselves, these are outlined in our Declaration Warranties: PROPRIETARY Declaration of Independence Declaration of FREEDOM Declaration of FAIRNESS Declaration of EFFICIENCY John Hancock s charges for Plan services are completely independent of the Funds selected by a Plan Trustee for a Plan s investment line-up. The Plan Trustee is not required to select any John Hancock proprietary Funds for the Plan s investment line-up. Each Plan participant pays the same percentage of their investments towards the cost of Plan services. The underlying funds offered through the JH Signature platform will use the most efficient class structure that provides participants with the LOWEST NET INVESTMENT COST. Our signature is behind it. FOR INTERMEDIARY USE ONLY. NOT FOR DISTRIBUTION WITH PLAN SPONSORS OR THE PUBLIC. 5

6 $X,XXX Active with balance & contributing $X,XXX Active with balance not contributing $X,XXX Inactive with balance $X,XXX Inactive with non vested balance MEAN MEDIAN John Hancock peer average <$XXX,XXX,XXX> <$XXX,XXX,XXX> Industry peer average <$XXX,XXX,XXX> <$XXX,XXX,XXX> Page 10 of XX Year <CONTRACT NAME> Plan Review Data as of <MONTH END SELECTED> 2013 $XX,XXX.XX $XX,XXX.XX 2014 $XX,XXX.XX $XX,XXX.XX 2015 $XX,XXX.XX $XX,XXX.XX Mean Median Your plan Mean Median NOT VALID WITHOUT ALL PAGES FOR PLAN SPONSOR USE ONLY. NOT FOR USE WITH PLAN PARTICIPANTS. The table below outlines by age group how participants are invested by certain investment options. You can use this information to see if a particular age group may benefit from education about the importance of diversification*. *Diversification does not guarantee a profit or assure against a loss. Page 27 of XX <CONTRACT NAME> Plan Review Data as of <MONTH END SELECTED> NOT VALID WITHOUT ALL PAGES FOR PLAN SPONSOR USE ONLY. NOT FOR USE WITH PLAN PARTICIPANTS. John Hancock Retirement Plan Services and <Company 123> are not affiliated and neither are responsible for the liabilities of the other. FOR PLAN SPONSOR USE ONLY. NOT FOR USE WITH PLAN PARTICIPANTS. Unparalleled Service and Support Providing personalized and attentive service from a dedicated team of professionals to make plan administration easier. Our Client Account Managers receive close to 96% extremely satisfied or completely satisfied ratings from their Plan Sponsors. Employee enrollment and education support EZAdmin is a service that helps streamline administration and keep plans running smoothly Participation % of assets by participant status Active participants: average balances 2014 Benchmarks: Average balance How your plan compares to others in the same industry Enrollment summary *x participants provided a deferral % electronically y participants provided a deferral % by paper Active participants: average balances by age 45,000 40,000 35,000 30,000 25,000 20,000 15,000 10,000 5,000 0 We learned a long time ago that a one-size-fits-all approach just doesn t work when it comes to employee engagement and participation. That s why we developed our high-tech, high-touch approach to enrollment. No matter what level of engement you or your employees need, we have an option to meet it. Enrollment channel usage <30 30s 40s 50s 60+ All Your plan Deferral % selected by enrollment method* X,XXX Online & Phone X,XXX Paper Diversification by investment options Online Paper & Phone <CONTRACT NAME> Plan Review Data as of <MONTH END SELECTED> Quick stats Participants enrolled this period Participants currently default enrolled Participants with unknown DOB Processed electronically Automatically enrolled of participants that opted out Page 13 of XX NOT VALID WITHOUT ALL PAGES FOR PLAN SPONSOR USE ONLY. NOT FOR USE WITH PLAN PARTICIPANTS. % of participants by number of Funds 100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% <30 30s 40s 50s 60+ All 1 Asset Allocation only 1 Non Asset Allocation only 2 Non Asset Allocation only 3+ Non Asset Allocation only Other Plan Sponsor and participant websites allow for easy access to online tools Customer service excellence Consolidation team simplifies roll-ins of outside retirement assets ø Plan Review providing both plan and participant level of information helps assess the overall health and performance of the plan and fulfill the ongoing fiduciary responsibilities. COMPANY 123 Sample Manufacturing 401(k) Plan Plan Review Prepared on July 1, 20XX Period ending December 31, 20XX Presented by: John Sample Team Approach PLAN SPONSOR We partner with Financial Representatives and Plan Consultants (TPAs) to help create a team of professionals that help build a plan that s tailored to your specific objectives and the needs of your participants. John Hancock employs some of the best people in the industry and our service-focused culture continues to differentiate us in the marketplace. 6 FOR INTERMEDIARY USE ONLY. NOT FOR DISTRIBUTION WITH PLAN SPONSORS OR THE PUBLIC.

7 Partnering with you Advisor Regional Vice President Works with you throughout the sales process and to customize solutions Relationship Manager Oversees plan management and employee enrollment & education Retirement Plan Sales Associate Provides full support throughout the sale Automate your service approach with JH Plan Manager deliver a custom Service Plan and Education Policy Statement Manage your block of business on the Financial Representative website access contract & participant level information and compare & contrast investment options Use of the tools/resources indicated may be subject to approval by your broker/dealer, please check with your firm prior to use. FOR INTERMEDIARY USE ONLY. NOT FOR DISTRIBUTION WITH PLAN SPONSORS OR THE PUBLIC. 7

8 Let s work as a team to help determine what s best for your prospective clients and together, deliver custom plans that work the way they should for Financial Representatives, Plan Sponsors and ultimately participants. John Hancock can show you how. Contact us today! Please call to obtain Fund Sheets for the group annuity investment option sub-accounts and to obtain prospectuses for the sub-accounts underlying mutual funds, that are available on request. The prospectuses for the sub-accounts underlying funds contain complete details on investment objectives, risks, fees, charges and expenses as well as other information about the underlying funds which should be carefully considered before investing. ^ America Speaks Out on Retirement: 2012 Investor Research Study. SunAmerica Capital Services, Inc., June # The availability of Funds may be subject to Broker-Dealer Firm approval, State approval, Broker Licensing requirements, tax law requirements, or other contract-related requirements. Not all materials, services or tools may be approved at a Broker Dealer firm; it is incumbent upon the registered representative to check with their firm before using any pieces described in this brochure. Exchange Traded Funds are a type of investment company bought and sold on a securities exchange. An ETF often represents a fixed portfolio of securities designed to track a particular market index. The risks of owning an ETF generally reflect the risks of owning the underlying securities the ETF is designed to track. 1 As of December 31, 2015, John Hancock Life Insurance Company (USA) supported 43,064 plans, 1,596,905 participants. John Hancock Life Insurance Company of New York supported 2,401 plans, 73,645 participants. John Hancock Retirement Plan Services, LLC supported 10,834 plans, 1,069,590 participants. Approximate unaudited figures for John Hancock Retirement Plan Services division, provided on a U.S. statutory basis as of December 31, * John Hancock Internal Data, April 2014 These Declaration Warranties are subject to the terms conditions and information described in the brochure. These Declaration Warranties are applicable of any applicable Fiduciary Standards Warranty for which the Plan may qualify. The term Fund has the same meaning as ascribed to the term Sub-account in the Group Annuity Contract. The term JH Signature platform refers to an unallocated and non-participating group annuity contract issued by ø Available for plans utilizing John Hancock s Consolidation Services; rollovers are subject to the provisions of the company s plan. Results are from the 2015 Customer Satisfaction Index Survey conducted by the Chatham Partners, LLC., for which 69,000 responses have been received since In providing these tools for your use, John Hancock is not undertaking to provide impartial investment advice to you or your Plan. These tools are intended to provide assistance to you and cannot replace your judgment or determination as to whether or how they should be applied to the specific and individualized needs and characteristics of your plan and your employee, participant, and beneficiary population. As Trustee of the Plan, you are ultimately responsible as a fiduciary for selecting and monitoring the investment options on behalf of your Plan, including determining if the selected IPS Manager option and the investment lineup made available by John Hancock are appropriate for the Plan, its participants and beneficiaries. IPS Manager is not available if the Wilshire 3(21) Adviser Service has been selected. Underlying fund net cost is the amount paid for investment management or advisor services, and for operational expenses and/or other expenses of the underlying fund. It is determined by deducting the amount of Revenue from underlying fund (12b-1, STA, Other) from the underlying fund s expense ratio published by the underlying fund. + The John Hancock Fiduciary Standards Warranty is offered solely by John Hancock and no distributing firms share any liability with regard to it. The Warranty is available only to Defined Contribution plans as defined in section 3(34) of ERISA and is subject to certain terms, conditions, and limitations. You should read the Warranty Certificate carefully and make sure you understand it. You should also note that, since past performance is not a guarantee of future results, we cannot warrant or guarantee that any investment options we offer will yield any specific return, or even that it will yield a positive return. In addition, the Warranty covers the general prudence of the investment options for long-term investing (such as retirement investing); it does not guarantee that any particular investment option is suited to the needs of any individual plan participant and, thus, does not cover any claims by any individual participant based on the needs of, or suitability for, such participant. The Fiduciary Standards Warranty is not available if the Wilshire 3(21) Adviser Service has been selected. Wilshire s 3(21) fiduciary service is provided pursuant to a Services Agreement between Wilshire and the plan sponsor. The 3(21) fiduciary service is subject to the terms and conditions set forth in such agreement including any limitations thereto. Wilshire is a registered service mark of Wilshire Associates Incorporated, Santa Monica, California. All other trade names, trademarks, and/or service marks are the property of their respective holders. Wilshire is not an affiliate of John Hancock. Group annuity contracts and recordkeeping agreements are issued by John Hancock Life Insurance Company (U.S.A.), Boston, MA (not licensed in New York) and John Hancock Life Insurance Company of New York, Valhalla, NY. Product features and availability may differ by state. The Investment Management Services Division of John Hancock provides investment information relating to the group annuity contract. NOT FDIC INSURED MAY LOSE VALUE NOT BANK GUARANTEED NOT INSURED BY ANY GOVERNMENT AGENCY 2016 All rights reserved. GT-I GE 06 / For Intermediary use only. Not for distribution with plan sponsors or the public. GA FOR INTERMEDIARY USE ONLY. NOT FOR DISTRIBUTION WITH PLAN SPONSORS OR THE PUBLIC.