Defined Contribution Plans
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1 RETIREMENT SERVICES Defined Contribution Plans Innovative solutions for your retirement plan $ CONFIDENT AWARE UNCERTAIN FOR PLAN SPONSOR USE ONLY. INVEST INSURE RETIRE
2 The of vision MassMutual is an innovator in meeting the changing needs of retirement plan sponsors and participants. We offer the powerful fusion of technology, products, investments, communications and highly personalized services for your defined contribution plan. A SEAMLESS TRANSITION We offer an industry-recognized, efficient conversion process managed by experienced transition experts who focus on every detail of the transition. Your assigned transition manager plans, installs and facilitates a smooth transition from your prior recordkeeper. We were the first in the industry to complete a zero blackout conversion and strive to limit the blackout period to 24 hours for most plans, a testament to our recordkeeping strength. STREAMLINED PLAN MANAGEMENT MassMutual s proprietary recordkeeping system handles the key administrative events for your plan. This blend of high technology and personalized service allows us to take responsibility for the daily details of managing your retirement plan. Designed for dynamic interactions, MassMutual s secure plan sponsor Web site, the Total Retirement Center (TRC), gives you two-way, electronic information exchange capabilities, and provides: Easy transfers of contribution, demographic and compensation data Investment performance information Financial, participant, loan and other reporting Complete loan administration s alerting you of important plan activity Detailed plan information and event summary Industry and compliance updates/alerts Employees have even rolled money over from other plans because of MassMutual s responsiveness and good service. Sabrena Hamilton, head of Human Resources, Novus International MASSMUTUAL ERISA ADVISORY SERVICES SM The laws affecting plans and fiduciaries are constantly evolving, and it is more important than ever to understand, as a plan sponsor, what you are liable for, what you need to do, and when to do it. Enter MassMutual s ERISA Advisory Services. Our experienced, dedicated service team and expertise in qualified retirement plans allow us to consult on virtually every aspect of your retirement program, including: plan design, compliance issues, administration, investments and communications.
3 I was impressed with MassMutual s literature. The design and the writing were targeted to specific audiences and our employees could relate to them... MassMutual s materials fit everyone; their reps talk with our employees and it s a genuine interaction. Evelyn Nazario, benefits compensation and systems manager, MonierLifetile The power of a behavioral approach PARTICIPANT COMMUNICATIONS MassMutual s approach to employee retirement plan communications is based on intensive research in employee behaviors surrounding enrollment and portfolio design. By targeting behavior, rather than relying solely on demographics, our materials reach out to participants in a way that s comfortable and consistent with their personal approach and prepares them for the future. Prepared USA SM We ve built our behavioral approach around the theme SM Prepared USA. We define preparation as a destination where an employee can find comfort, confidence and the peace of mind that comes with taking positive steps toward preparing for retirement. Communications are distributed according to employee behaviors and preferences and within each communication are messages tailored to individual investing behaviors. Our multi-tiered approach to enrollment and investment education ranges from faceto-face meetings, to the Internet, to our call center, to targeted print communications providing learning tools to match the diversity in your workplace. COMMUNICATION CAMPAIGNS As your provider, we can conduct a thorough plan analysis to identify key concerns. We ll use this information to develop an action plan with messages that inform and change participant behavior, delivered through a variety of media both print and electronic. We can schedule the distribution of communications materials for transition and enrollment campaigns using our Campaign Management System. This technology allows us to measure the impact of our communications materials on the behavior of your participant base and deliver the results back to you, the plan sponsor. e4 SM ELECTRONIC ENHANCED ENROLLMENT EXPERIENCE A fun, intuitive and simple experience for participants, e4 is an innovative extension of Prepared USA SM that empowers participants to take action and save for retirement during enrollment meetings. Each participant receives a pocket PC loaded with his or her personalized plan data that enables the participant to take immediate action to enroll in the plan, thus reducing the natural roadblock of participant procrastination and inertia. PARTICIPANT INFORMATION SERVICES Using The Journey SM, MassMutual s participant Web site, your participants can access personalized retirement plan information, execute transactions, review investment performance, initiate automatic rebalancing, model and request a loan. Participants can also access fully integrated, comprehensive risk tolerance and goalsbased retirement planning powered by Morningstar Associates, LLC.* MassMutual created a truly innovative approach with its e4 wireless enrollment technology. With e4, meetings turn into action sessions that fully involve the attendees. Dawn Milligan, director of benefits and compensation, Remington Arms Company, Inc.
4 Our Participant Information Center gives participants ready access to information and assistance. For personalized account information, investment transfers, or loan requests, they can call our toll-free telephone line to connect to FLASH SM, our automated voice response system. For more complex questions or requests, they can speak with one of our knowledgeable customer service representatives. When participants retire or terminate, our Retirement Specialist Group provides participants with the tools to help them make a benefit election. PARTICIPANT STATEMENTS Your participants will receive highly personalized, quarterly statements with the information they need to track their progress toward their retirement goals. Each statement provides: An estimated personal rate of return based on their investment selections and account activity A summary of all account activity by contribution source A performance summary listing the investment options included in your plan Integrated Services MassMutual can integrate services for all your retirement plans, including your defined contribution, defined benefit and nonqualified deferred compensation plans, to give your participants a total retirement experience. By dissolving the boundaries between different plans and accounts, MassMutual can simplify life for you and your participants. Both parties benefit from the power of our technology, products, investments, communications, and highly personalized service. Take advantage of our comprehensive retirement solutions. Contact your retirement services professional or call *Morningstar Associates, LLC is a registered investment advisor and a wholly owned subsidiary of Morningstar, Inc.
5 The MassMutual Investment Program Expertise and Flexibility The MassMutual Investment Program features sub-advised investment options along with a carefully selected array of retail investment options. SUB-ADVISED INVESTMENT OPTIONS MassMutual s proprietary sub-advised investment options are available exclusively to investors in MassMutual retirement plans and accounts. These investment options feature a sub-advised structure in which MassMutual serves as the overall investment adviser, but hires specialized investment companies to handle the day-to-day management of the assets. 1 We provide indemnification to protect you from loss or liability if problems arise concerning our monitoring, selection, and retention of sub-advisors. (Applies to institutional clients only.) Be aware, however, that we cannot extend indemnification to investment options outside our proprietary sub-advised offerings. Our current line-up includes some of the most well-known names in the business, institutional managers, specialized boutiques, and MassMutual affiliates. Big or small, the managers we choose have historically put up a track record of success in their chosen discipline and have proven to us that they should be part of our sub-advised line-up. Of course, past performance is no guarantee of future results. The investment options that comprise our program span the spectrum of asset classes and investing styles to help investors pursue their retirement goals. RETAIL OPTIONS AUGMENT THE PROGRAM MassMutual recognizes that you may need additional choices when it comes to determining the investment options that will be available through your retirement plan, so we also offer an array of retail investment options to help you customize your line-up. We select these retail options on an individual basis in consideration of the contribution each can make to the overall program. The capabilities of the manager, the specifics of their investment process and style as well as the track record all figure prominently in our decision-making. We know there may be additional investments or managers that you d like to include in your plan to help create an easier transition or to respond to the special needs of your participants. In most cases, we can work with you to develop a line-up that includes the investment options you d like to make available. ASSET ALLOCATION STRATEGIES Asset allocation portfolios may provide many participants with a single investment solution offering professional investment management and diversification in one investment option. Each asset allocation option is composed of a chosen mix of proprietary sub-advised options diversified by multiple asset classes, investment styles and managers. MassMutual s asset allocation strategies comprise investments targeted to a specific retirement date range, those that take investor comfort with risk into account, and traditional balanced options, which invest in combinations of stocks, bonds, and money market securities. 1 A sub-advised structure may be more or less expensive than other structures.
6 The Full Array of Services for Your Plan PARTICIPANT SERVICES Online and Automated Telephone Services Enrollments Loan modeling and requests Salary deferral changes Account balances and daily investment performance Investment selection and transfers Additional services available online Portfolio rebalancing Integrated Morningstar Associates* retirement planning tools Customized statements Participant Information Call Center Highly trained customer service representatives available Monday through Friday, 8 a.m. to 8 p.m. ET Multilingual assistance Quarterly Participant Statements Investment performance Estimated rate of return for participant s account Account balances and activity by investment option and asset category Mailed to participant s homes Ongoing Education and Communication Informational materials tailored to your company s needs Investment profiles Morningstar Investment Profiles TM Personalized enrollment & investment education kits Assistance for retiring or terminating participants Periodic participant seminars Direct mail to participants homes e4 SM wireless enrollment meetings *Morningstar Associates, LLC is a registered investment advisor and a wholly owned subsidiary of Morningstar, Inc. PLAN SPONSOR SERVICES Recordkeeping Experienced conversion team offering zero/24-hour blackout conversions Proprietary system Plan document services Daily valuation services Real-time access to account information Comprehensive disaster recovery plans Total Retirement Center MassMutual s plan sponsor Web site Electronic file submission Loan administration and monitoring notification services Financial and administrative reports Investment performance updates Rollover and withdrawal information Participant and transaction activity tracking Participant vesting calculation MassMutual Investment Program Securities offered through registered representatives of MML Investors Services, Inc., 1295 State Street, Springfield, MA Investment options that span the spectrum of asset classes and investing styles A core line-up of sub-advised investment options with a select array of retail investment options A proprietary investment selection and due diligence process Indemnification for the selection, monitoring and replacement of our sub-advised portfolios Support in choosing the best available managers for your program MassMutual ERISA Advisory Services SM Consulting services provide analysis, recommendations and a broad range of regulatory ERISA and non-erisa compliance support Compliance services help your plan adhere to complex regulatory and reporting requirements Testing services provide the information for ERISA- and Internal Revenue Code-mandated tests, including general and specialized testing Reporting services provide information about plan transactions and events Investors should consider an investment s objectives, risks, charges and expenses carefully before investing. For this and other information, see a fact sheet or the applicable prospectus available from MassMutual by calling Read it carefully before investing Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved. MassMutual Financial Group is a marketing designation (or fleet name) for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliates. RS C:
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