Schwab RT SQL Recordkeeping Operations Library CP22/Data Extract & Validation Tool (Newkirk SuperStatement) and File Layouts

Transcription

1 Schwab RT SQL Recordkeeping Operations Library CP22/Data Extract & Validation Tool (Newkirk SuperStatement) and File Layouts Schwab Retirement Technologies Recordkeeping Operations Library

2 CP22/Data Validation & Extract Tool (Newkirk SuperStatement) and File Layouts July 22, 2010 Revised to include Participant Statement Delivery Preference and Gap Analysis April 9, 2012 Revised to include new Participant Fee Disclosure table February 10, 2014 Revised Model table to Include Plan Portfolios July 6, 2015 Added SBS File Layouts The material contained herein is proprietary to Schwab and for informational purposes only. The information is not intended to provide tax, legal or investment advice. Schwab does not guarantee the suitability or potential value of any particular information source. Certain information presented herein may be subject to change. The information or material contained in this document may not be copied, assigned, transferred, disclosed or utilized without the express written approval of Schwab. The Charles Schwab Corporation provides services to retirement plans and participants through its subsidiaries: Charles Schwab & Co., Inc. (Member SIPC), Charles Schwab Bank, Schwab Retirement Plan Services, Inc., Schwab Retirement Plan Services Company and Schwab Retirement Technologies, Inc. (Schwab RT). Schwab RT is engaged in developing and licensing proprietary retirement plan recordkeeping systems to independent Third Party Administrators. For further information, contact Schwab Retirement Technologies, Inc. at 4529 Sharon Road, Charlotte, NC 28211, USA. Web site: schwabrt.com Schwab Retirement Technologies, Inc. All rights reserved.

3 Table of Contents CP22/Data Validation & Extract Tool Overview... 4 Before Running the Extract with BTV Plans... 5 Extracting Plan and Participant Data and Creating DBF files... 5 How to Zip DBF files Maintaining Extract Plan Options: Custom Newkirk SuperStatement Options added to Release How data aggregation occurs using a Master Plan ID: C004/Participant Maintenance Viewing and Verifying Data Viewing Vesting and Election Percentages Viewing CUSIPs and Investment Error Logs Viewing Message Board Listings and Errors Viewing Participant SDBA Information Viewing Pension Protection Act Information (PPA) Process Errors Data Extract & Validation File Layouts AS.DBF Activity File INV_SRC.DBF Election Percent File PART.DBF Participant File PARTFEEDISCL.DBF Participant Fee Disclosure File MODEL.DBF Model File PLAN.DBF Plan File ERROR.DBF Error File SUMMARY.DBF Summary File SOURCE.DBF Source File SDBA.DBF SDBA File SBS.DBF SBS File Pension Protection Act Tables July 2015 Schwab Retirement Technologies Page 3 of 42

4 CP22/Data Validation & Extract Tool Overview The CP22/Data Extract & Validation Tool is a data extract interface used to extract plan and participant information from Schwab RT SQL Recordkeeping to produce an extract that can be used internally, or distributed to a vendor for reporting, generating statements, and/or validating data. This feature can be used as often as needed in any workflow to ensure that data within the Schwab RT Recordkeeping system is sound before you begin any tasks, such as producing statements or running a compliance test. You can also access Recordkeeping data to export to database files (DBF) and for generating custom statements such as the Newkirk SuperStatement. Enhancements added to SQL RK Release 2.3: Recordkeeping Release 2.3 introduced custom enhancements to the SuperStatement for customers who have contracts for these options with Newkirk. Details related to the additional fields are covered within this document. Enhancements added to SQL RK Release 2.4.1: Recordkeeping Release (September 2007) release added fields to accommodate Pension Protection Act fields. July 2015 Schwab Retirement Technologies Page 4 of 42

5 Before Running the Extract with BTV Plans Before running the Data Validation & Extract Tool with BTV plans ensure that the Sstmopt.btv file exists and that plan level options have been set up in this file. This file is not needed for SQL plans. Extracting Plan and Participant Data and Creating DBF files 1. Open the Data Validation and Extract Tool application. The Select Plans window appears: 2. Select the desired plan(s) to process. Use the Select All or Clear All buttons to facilitate. You can sort by Extract Date, Plan, or Path. If you are selecting by Extract Date, also enter a Date Range Beginning Date and Ending Date. Click Reload Paths to refresh the list of paths if you add or modify a plan within a path. July 2015 Schwab Retirement Technologies Page 5 of 42

6 3. From the Select Status Codes window select or clear the Status Codes and QDRO/Bene Options you want to include or exclude. 4. From the Validation Options window select error and warning validation options. Click F1 to view field descriptions for additional details. July 2015 Schwab Retirement Technologies Page 6 of 42

7 5. If you are creating a Newkirk SuperStatement, open the Extract SuperStatement window to complete the additional data fields and location for saving your DBF file. Refer to the on-line help for field descriptions. 6. Select Process from the Options menu or click the Process button to create the DBF files. 7. Verify all plan and participant data extracted in the Plan and Participant Data windows. July 2015 Schwab Retirement Technologies Page 7 of 42

8 8. If you need to send fund data to your vendor, use the Select CUSIP Data Source window to create a Fund.dbf file. July 2015 Schwab Retirement Technologies Page 8 of 42

9 9. If you wish to create a list of plan identifiers and plan names in the plan index to use with your vendor s Message Board application, create a PlanMess.dbf file from the Select Message Board Data Source window. Notes: The View Message Listing and Error Log window allows you to view the plan identifiers and plan names in the plan index and any errors for these plans. The PlanMess Error Listing displays two types of errors: Invalid path (if the path does not exist), and Invalid Plan ID (if the plan exists, but the plan record is not found.) 10. Create Zip files from the Zip File window for DBF files to send to your vendor. July 2015 Schwab Retirement Technologies Page 9 of 42

10 How to Zip DBF files Vendors require DBF files to be sent as Zip files before transmitting them. The naming convention for Zip files is MMDDHHMM.zip, reflecting the month, day, hour, and minute that the Zip file is created. To Zip DBF files, do the following: 1. From the Zip Files window at the bottom of the Data Extract & Validation tree, click the New Zip File button. 2. From the Create Zip File dialog, select the directory to store the zip file. In the Drive field, select the local or network drive and then Select Directory. Click OK and in the Add Files dialog use MMDDHHMM.zip for the naming convention, indicating the month, day, hour, and minute the zip file is created. 3. You can indicate a Compression method by selecting Normal, Best (slower with the best compression ratio), Fastest (uses a lower compression ratio that is the fastest method), or None (to create a zip file without compression). 4. Click OK. When the Add Files dialog appears, select the DBF files you want to include in the Zip file. You can select one or more files to add by highlighting the files while holding down the Control key. 5. Click Open. The DBF files appear in the list and the file name and path of the zip file display in the status bar at the bottom of the window. You can open Zip files to view the DBF files within them by clicking the Open Zip File button. Tips: The Data Extract automatically selects appropriate DBF file check boxes in the upper right corner of the window. You can add additional DBF files to a selected Zip file by clicking Add to Zip File from the Zip Files Window. The Add Files dialog appears. Under DBF File Properties, you can view the following information for each DBF file contained within the selected zip file. Column File Name Date Time Size Packed Ratio Path Description Name of DBF file Date DBF file was created Time DBF file was created Original size of DBF file (in kb) Size of the DBF file after zipping (kb) Compression percentage of the DBF file Path where DBF file resides. July 2015 Schwab Retirement Technologies Page 10 of 42

11 Maintaining Extract Plan Options: 1. Open the Data Validation & Extract Tool Maintain Plan Options window. 2. Select the desired plan from the Plan ID field. 3. Under Suppression Options, select those options you wish to suppress from printing on the extract. Notes: Custom Statement Features require a contract with Newkirk. The YTD Rate of Return is suppressed by default since this may affect processing time. To include YTD Rate of Return, clear the check box. If you calculate YTD Rate of Return, you must also specify a cycle YTD ROR Begin Date*. The YTD Rate of Return calculation uses the same method as YTD ROR in other RK applications using the same ending date determined by the plan level settings. Only SuperStatement calculates YTD ROR using a user-defined beginning date. 4. Specify the Deferral Percentage Source and Deferral Amount Source. This data appears in the Allocation Analyzer section of the report unless the option is suppressed. 5. Specify the Investment Election Source, which will be printed to the Allocation Analyzer section of the extract. 6. Select the Compensation* from which to extract the participant compensation. 7. Indicate the Data Extract Mail Option where your vendor should send the report. You can select to it sent directly to the participant (default). Alternatively, if the data extract is to be mailed in bulk to the plan sponsor or provider, select the Data Extract Sort by option (SSN, Name, July 2015 Schwab Retirement Technologies Page 11 of 42

12 Division/Name, or Division/SSN). After you extract the plan and participant data, the last extract date is updated by the system. 8. The Master Plan ID connects plans for printing a consolidated statement for participants in multiple plans. Combined plans can have up to 15 sources. The Master Plan ID uses an existing Plan ID. This field should contain the link from the subplan(s) you wish to aggregate to the master plan. For example, to aggregate plan F50 and ABC (the master plan) together, you would specify ABC as the Master Plan ID for plan F50 by entering it as: ABC L:\Subplan path\50funds. If two or more plans are to be aggregated, specify the plan as the Master Plan ID for each of the subplans. 9. Select or clear the Use As Of Date check box to determine whether transactions are to be included in the selected extract date range. In Recordkeeping, transactions are recorded as they occur (process date). Transactions belonging to one period for reporting and compliance purposes may actually occur in a different time period. In this case, the As Of Date represents a date to which this transaction belongs. 10. To set up the Data Extract for all plans based on a template plan, select the Use as Template check box. 11. You can either print the Life Styles section or the Source Summary section on the extract report. Selecting one excludes the other for the plan report. 12. From the Options menu, click Save. 13. If you are setting up unique data extract options for each plan, repeat steps for the additional plans. July 2015 Schwab Retirement Technologies Page 12 of 42

13 Custom Newkirk SuperStatement Options added to Release 2.3 The following custom options (require a Newkirk contract) are added to the Data Validation & Extract>Maintain Plan Options window. Corresponding options also appear on a new Plan CUSIPs and Report Options window displayed on the following page: The Deferral Amount exemption check box is reported to the SuperStatement extract. Selecting the option allows you to suppress the Deferral Amount from the extract. The Payroll Frequency check box allows you to determine whether to include or exclude a participant s payroll frequency. If payroll by division is set up for the plan, the extract includes the participant's payroll frequency by default. If payroll by division is not set up for the plan, nothing is extracted for this option. Selecting the Payroll Frequency check box suppresses the Payroll Frequency from the extract. The Compensation check box allows you to determine whether to include or exclude a participant s compensation in the extract. By default, compensation is extracted. Selecting the check box suppresses participant compensation. An additional field determines which compensation field (1 15) is to be used in extracting the data for the participant. The Federal Marital Status check box allows you to determine whether to include or exclude a participant s federal marital status in the extract. By default, the marital status is included. Selecting the check box suppresses the participant s marital status from the extract. The Federal Exemptions check box allows you to determine whether to include or exclude a participant s number of federal exemptions in the extract. By default, the number of exemptions is included. Selecting the check box suppresses the participant s exemptions from the extract. Note: The LDT application defaults the exemptions as 3. Note: The Allowances fields in Participant Maintenance are moved from the 457 Plan Settings window to the Tax Data window. Moving these items allows all plan types to access them. The YTD Rate of Return check box is selected by default to suppress the calculation since this might affect processing time. You must clear the check box to calculate the YTD Rate of Return. The YTD Rate of Return is determined by using the same calculation as the existing Rate of Return, except that it uses the YTD ROR Begin Date entered. The same ending date is used in both cases. Outside of this application, the YTD Rate of Return is based on a specific cycle beginning and ending date and the beginning date of the plan is determined the using the Plan Year End setting. Example: If the plan year end is 12/31, the beginning plan year is 1/1. If the plan year end is 06/30, the beginning plan year is 7/1. The ending date for both ROR and YTD ROR is the ending cycle date. The Deferral Amount Source field allows you to choose which source the participant s deferral percentage is extracted from. The Deferral Source field allows you to specify the source of the deferral percentage, which is exported to the Allocation Analyzer section of the Data Extract. The Deferral Amount Source similarly allows you to select the source of deferral dollars. These data are suppressed only if the corresponding Deferral Percentage or Deferral Amount check box(es) are selected. The Compensation Field allows you to select the compensation to be included in the extract. This field is blank by default. July 2015 Schwab Retirement Technologies Page 13 of 42

14 Corresponding Plan Statement Options also appear (view only) on the application s Plan CUSIPs and Report Options and Participant Account Summary windows: July 2015 Schwab Retirement Technologies Page 14 of 42

15 How data aggregation occurs using a Master Plan ID: Participant and Plan Synoptic Information (Part.dbf and Plan.dbf): The Plan Name and Participant Address are pulled from the Master Plan. If the participant is only represented in the subplan, the address is pulled from the subplan. Investment Elections (Inv_Src.dbf): Continues to pull from the investment election source defined for the Master Plan only. Loan Summary (Part.dbf): Any loans from the secondary plan(s) are represented in addition to the loans from the Master Plan. Fund Listing for Fund Performance (Fund.dbf): Pulls only from the master plan. Therefore, all funds in any subplan must also be a fund in the Master Plan. There is a limit of 46 funds on this page of the statement. Source Information (Source.dbf): The sources from the secondary plan(s) are represented in addition to the sources from the Master Plan. For example, if the master plan contains four sources and the secondary plan contains one source, a total of five sources is extracted. The total number of sources across all plans must not exceed 15. Activity Information (As.dbf): This information is aggregated across sources. The funds are aggregated across the plans into one listing. It is not possible to represent the same fund/cusip separately for the underlying plans. Each fund/cusip is assigned one name only. Plan Summary Information (Summary.dbf): This information is aggregated together. Rate of Return (Part.dbf): The Rate of Return is aggregated across plans unless suppressed. Aggregation of plans: Once a Master Plan is defined for a plan, the extract always combines the plans, even if only one of the plans is selected to be extracted. For example, if plan ABC is the Master Plan for plan XYZ, at runtime only plan XYZ is extracted. The extract recognizes that ABC and XYZ are associated and extracts the combination of these as represented by the Master Plan ID, ABC. If only plan ABC is selected, the aggregate of both ABC and XYZ is extracted. Plan Report Tax Maps and Headers: The report tax maps must match across the plans being aggregated. The report headers are extracted for the master plan only. July 2015 Schwab Retirement Technologies Page 15 of 42

16 C004/Participant Maintenance In Release 2.3, the State Withholding Allowance and Federal Withholding Allowance fields are renamed State Withholding Exemptions and Federal Withholding Exemptions. These fields have been relocated to the Tax Data window from the 457 Tax Data window. This change allows all plan types to access these fields. Federal Withholding Exemptions and State Withholding Exemptions are added to the Participant Master and Participant Synoptic reports. The data appear in the Participant Synoptic section of the report, below State Marital Status. July 2015 Schwab Retirement Technologies Page 16 of 42

17 Viewing and Verifying Data Viewing Vesting and Election Percentages Use this window to view the Participant Source Summary and Election Percentages for each source extracted for the participant: July 2015 Schwab Retirement Technologies Page 17 of 42

18 Viewing CUSIPs and Investment Error Logs Use this window for the CUSIP Listing Extract to view assets for each fund CUSIP and errors for investments in the fund CUSIP. July 2015 Schwab Retirement Technologies Page 18 of 42

19 Viewing Message Board Listings and Errors Use this window to view the plan identifiers/names to be used for your vendor s Message Board application and errors for these plans. Viewing Participant SDBA Information Use this window to view information for Participant Self-Directed Brokerage Accounts (SDBAs). July 2015 Schwab Retirement Technologies Page 19 of 42

20 Viewing Pension Protection Act Information (PPA) Use this window to view information for the Plan Source Vesting Schedule and Vesting Step Summary. July 2015 Schwab Retirement Technologies Page 20 of 42

21 Use this window to view PPA Disclosure information. CP22/Data Validation & Extract Tool and File Layouts July 2015 Schwab Retirement Technologies Page 21 of 42

22 Process Errors The following are the error code and descriptions for each possible error reported: 1. Investment elections do not equal 0 or The plan has more than the maximum number of investments. 3. The SstmOpt record was not updated with the plan s last export date. 4. The participant has more than five loans. 5. The asset does not have an associated CUSIP. 6. Blank state ID. 7. Invalid state ID. 8. Blank City. 9. Blank Zip Code. 10. Non-alphanumeric city. 11. Non-numeric Zip Code. 12. Blank address line Blank address line Blank or invalid date of service. 15. Blank or invalid date of birth. 16. Blank or invalid date of participation. 17. Date of birth is greater than or equal to the date of service or participation. 18. Date of service is greater than or equal to the date of participation 19. Negative beginning balance. 20. Negative ending balance. 21. Negative beginning units. 22. Negative ending units. 23. Fractional ending units times ending price results in zero ending fund balance. 24. Invalid SSN format. 25. Mail option is bulk to sponsor and there are less than two address lines populated. 26. Duplicate name. 27. Source beginning balance plus activity does not equal the ending balance. 28. Fund beginning balance plus activity does not equal the ending balance. 29. Source totals do not equal fund totals Zero total ending balance A loan was originated within the extract date range. July 2015 Schwab Retirement Technologies Page 22 of 42

23 Data Extract & Validation File Layouts The following are file layouts updated for Release 2.3: Notes: Data is stored by string, not numeric. Newkirk does not report source by fund activity information. Only aggregate source and fund information is reported. When generating reports, the Data Extract and Validation tool gives you the option of either overwriting database files, or creating new database files. July 2015 Schwab Retirement Technologies Page 23 of 42

24 AS.DBF Activity File The Activity File contains activity information by fund. Once record is created for each participant, for each fund. Plan_Num FTString 6 Plan ID Part_ID FTString 15 Participant s Social Security number Fund_ID FTString 15 Fund name Act_ID1 FTString 2 Activity Code 01 TotAct1 FTString 14 Total dollar amount of Activity Code 01 (Beginning Balance) Act_ID2 FTString 2 Activity Code 2 TotAct2 FTString 14 Total dollar amount of Activity Code 02 Act_ID3 FTString 2 Activity Code 3 TotAct3 FTString 14 Total dollar amount of Activity Code 03 Act_ID4 FTString 2 Activity Code 4 TotAct4 FTString 14 Total dollar amount of Activity Code 04 Act_ID5 FTString 2 Activity Code 5 TotAct5 FTString 14 Total dollar amount of Activity Code 05 Act_ID6 FTString 2 Activity Code 6 TotAct6 FTString 14 Total dollar amount of Activity Code 06 Act_ID7 FTString 2 Activity Code 7 TotAct7 FTString 14 Total dollar amount of Activity Code 07 Act_ID8 FTString 2 Activity Code 8 TotAct8 FTString 14 Total dollar amount of Activity Code 08 Act_ID9 FTString 2 Activity Code 9 TotAct9 FTString 14 Total dollar amount of Activity Code 09 Act_ID10 FTString 2 Activity Code 10 TotAct10 FTString 14 Total dollar amount of Activity Code 10 Act_ID11 FTString 2 Activity Code 11 TotAct11 FTString 14 Total dollar amount of Activity Code 11 Act_ID12 FTString 2 Activity Code 12 TotAct12 FTString 14 Total dollar amount of Activity Code 12 Act_ID13 FTString 2 Activity Code 13 TotAct13 FTString 14 Total dollar amount of Activity Code 13 Act_ID14 FTString 2 Activity Code 14 TotAct14 FTString 14 Total dollar amount of Activity Code 14 Act_ID15 FTString 2 Activity Code 15 TotAct15 FTString 14 Total dollar amount of Activity Code 15 (Ending Balance) Act_ID16 FTString 2 Not populated TotAct16 FTString 14 Not populated Act_ID17 FTString 2 Not populated TotAct17 FTString 14 Not populated Act_ID18 FTString 2 Not populated TotAct18 FTString 14 Not populated Unit_OP FTString 13 Beginning units for the participant and investment Price_OP FTString 13 Beginning price for the participant and investment Unit_CL FTString 13 Ending units for the participant and investment Price_CL FTString 13 Ending price for the participant and investment July 2015 Schwab Retirement Technologies Page 24 of 42

25 INV_SRC.DBF Election Percent File CP22/Data Validation & Extract Tool and File Layouts The Election Percent File contains election percentage information by participant, by investment, for the selected source. The source is selected in the Investment Election Source field in the Maintain Plan Options window of Schwab RT Recordkeeping s CP22 application. Plan_Num FTString 6 Plan ID Part_ID FTString 15 Participant s Social Security number Inv_ID FTString 15 CUSIP Alloc_per1 FTString 9 Election percentage PART.DBF Participant File The Participant File contains general information about each participant. One record is created for each participant. Plan_Num FTString 6 Plan ID Part_ID FTString 15 Participant s Social Security number Status_Cde FTString 3 Status code of the participant s extraction: 0=Success 1=Error 2=Warning FirstName FTString 30 First name LastName FTString 30 Last name Address1 FTString 30 Address Address2 FTString 30 Secondary address City FTString 30 City of residence State FTString 3 State of residence Zip FTString 10 Zip Code of residence Marstatt FTString 2 Federal Marital Status Numexempt FTString 9 Federal Exemption Allowance Op_Bal FTString 13 Beginning balance for the entire account Cont FTString 14 Contributions for the entire account Earn FTString 14 Earnings for the entire account Wdrl FTString 14 Withdrawals for the entire account Exp FTString 14 Expenses for the entire account Oth FTString 14 Other activity for the entire account Clos_Bal FTString 14 Closing balance for the entire account Vest_Bal FTString 14 Vested balance Pend FTString 14 Uninvested cash Brth_date FTString 10 Date of birth Empl_date FTString 10 Date of hire July 2015 Schwab Retirement Technologies Page 25 of 42

26 CP22/Data Validation & Extract Tool and File Layouts LFAmount1 FTString 13 Original amount of Loan 1 LFPrinc1 FTString 13 Total amount of principal paid for Loan 1 LFInt1 FTString 13 Total amount of interest paid for Loan 1 LFAft_bal1 FTString 13 Remaining balance of Loan 1 LFAmount2 FTString 13 Original amount of Loan 2 LFPrinc2 FTString 13 Total amount of principal paid for Loan 2 LFInt2 FTString 13 Total amount of interest paid for Loan 2 LFAft_bal2 FTString 13 Remaining balance of Loan 2 LFAmount3 FTString 13 Original amount of Loan 3 LFPrinc3 FTString 13 Total amount of principal paid for Loan 3 LFInt3 FTString 13 Total amount of interest paid for Loan 3 LFAft_bal3 FTString 13 Remaining balance of Loan 3 LFAmount4 FTString 13 Original amount of Loan 4 LFPrinc4 FTString 13 Total amount of principal paid for Loan 4 LFInt4 FTString 13 Total amount of interest paid for Loan 4 LFAft_bal4 FTString 13 Remaining balance of Loan 4 LFAmount5 FTString 13 Original amount of Loan 5 LFPrinc5 FTString 13 Total amount of principal paid for Loan 5 LFInt5 FTString 13 Total amount of interest paid for Loan 5 LFAft_bal5 FTString 13 Remaining balance of Loan 5 InvReturn FTString 9 Rate of return for the account YTDROR FTString 9 YTD-Rate of Return for Account OverLoan FTString 1 Indicates if they have more than five loans: 0=No 1=Yes IS_HCE FTString 1 Highly compensated status: 0=No 1=Yes IS_KEY FTString 1 Key employee status: 0=No 1=Yes Division FTString 5 Division code RPTSalary FTString 14 Compensation PayFreq FTString 14 Payroll Frequency PartCumHrs FTString 14 Participant Cumulative Hours partstmprf FTString 2 Delivery Statement Preference 0=Default 1 = Paper 2 = Electronic part FTString Address July 2015 Schwab Retirement Technologies Page 26 of 42

27 PARTFEEDISCL.DBF Participant Fee Disclosure File This file contains general information about fees reported on the Annual Participant Fee Disclosure. One record is created for each participant. Plan_Num FTString 6 Plan ID Part_ID FTString 15 Participant s Social Security number FeeType FTInteger 1 1 If Fee Description record is Plan Level 2 If Fee Description record is Participant Level FeeName FTString 60 Fee Name from Fee Description record FeeAmount FTString 14 Fee Amount for Fee Description record MODEL.DBF Model File The Model File contains information about Plan Portfolios and IPMs. One record is created for each plan. Plan_Num FTString 12 Plan ID ModelID FTString 15 Portfolio ID ModelName FTString 46 Portfolio Name AssetID FTString 15 Investment ID/IPM Name Percent FTString 9 Allocation percentage July 2015 Schwab Retirement Technologies Page 27 of 42

28 PLAN.DBF Plan File The Plan File contains information regarding each plan. One record is created for each plan. Plan Num FTString 6 Plan ID Name1 FTString 40 First description of the plan Name2 FTString 40 Second description of the plan Beg_Date FTString 10 Beginning date for which you are generating data. In MMDDYYYY format End_Date FTString 10 Ending date for which you are generating data. In MMDDYYYY format Act_Code1 FTString 2 Activity Code 01 Act_Desc1 FTString 30 Description of Activity Code 1 (from the report headings) Act_Code2 FTString 2 Activity Code 02 Act_Desc2 FTString 30 Description of Activity Code 2 (from the report headings) Act_Code3 FTString 2 Activity Code 03 Act_Desc3 FTString 30 Description of Activity Code 3 (from the report headings) Act_Code4 FTString 2 Activity Code 04 Act_Desc4 FTString 30 Description of Activity Code 4 (from the report headings) Act_Code5 FTString 2 Activity Code 05 Act_Desc5 FTString 30 Description of Activity Code 5 (from the report headings) Act_Code6 FTString 2 Activity Code 06 Act_Desc6 FTString 30 Description of Activity Code 6 (from the report headings) Act_Code7 FTString 2 Activity Code 07 Act_Desc7 FTString 30 Description of Activity Code 7 (from the report headings) Act_Code8 FTString 2 Activity Code 08 Act_Desc8 FTString 30 Description of Activity Code 8 (from the report headings) Act_Code9 FTString 2 Activity Code 09 Act_Desc9 FTString 30 Description of Activity Code 9 (from the report headings) Act_Code10 FTString 2 Activity Code 10 Act_Desc10 FTString 30 Description of Activity Code 10 (from the report headings) Act_Code11 FTString 2 Activity Code 11 Act_Desc11 FTString 30 Description of Activity Code 11 (from the report headings) Act_Code12 FTString 2 Activity Code 12 Act_Desc12 FTString 30 Description of Activity Code 12 (from the report headings) Act_Code13 FTString 2 Activity Code 13 Act_Desc13 FTString 30 Description of Activity Code 13 (from the report headings) Act_Code14 FTString 2 Activity Code 14 Act_Desc14 FTString 30 Description of Activity Code 14 (from the report headings) July 2015 Schwab Retirement Technologies Page 28 of 42

29 Act_Code15 FTString 2 Activity Code 15 Act_Desc15 FTString 30 Description of Activity Code 15 (from the report headings) Act_Code16 FTString 2 Activity Code 16 Act_Desc16 FTString 30 Description of Activity Code 16 (from the report headings) Act_Code17 FTString 2 Activity Code 17 Act_Desc17 FTString 30 Description of Activity Code 17 (from the report headings) Act_Code18 FTString 2 Activity Code 18 Act_Desc18 FTString 30 Description of Activity Code 18 (from the report headings) Act_Code19 FTString 2 Activity Code 19 Act_Desc19 FTString 30 Description of Activity Code 19 (from the report headings) Act_Code20 FTString 2 Activity Code 20 Act_Desc20 FTString 30 Description of Activity Code 20 (from the report headings) Fund1 FTString 15 Name of Fund 1 Supp1 FTString 1 Indicates if Fund 1 is suppressed*: Fund2 FTString 15 Name of Fund 2 Supp2 FTString 1 Indicates if Fund 2 is suppressed*: Fund3 FTString 15 Name of Fund 3 Supp3 FTString 1 Indicates if Fund 3 is suppressed*: Fund4 FTString 15 Name of Fund 4 Supp4 FTString 1 Indicates if Fund 4 is suppressed*: Fund5 FTString 15 Name of Fund 5 Supp5 FTString 1 Indicates if Fund 5 is suppressed*: Fund6 FTString 15 Name of Fund 6 Supp6 FTString 1 Indicates if Fund 6 is suppressed*: Fund7 FTString 15 Name of Fund 7 Supp7 FTString 1 Indicates if Fund 7 is suppressed*: Fund8 FTString 15 Name of Fund 8 Supp8 FTString 1 Indicates if Fund 8 is suppressed*: Fund9 FTString 15 Name of Fund 9 Supp9 FTString 1 Indicates if Fund 9 is suppressed*: Fund10 FTString 15 Name of Fund 10 July 2015 Schwab Retirement Technologies Page 29 of 42

30 Supp10 FTString 1 Indicates if Fund 10 is suppressed*: Fund11 FTString 15 Name of Fund 11 Supp11 FTString 1 Indicates if Fund 11 is suppressed*: Fund12 FTString 15 Name of Fund 12 Supp12 FTString 1 Indicates if Fund 12 is suppressed*: Fund13 FTString 15 Name of Fund 13 Supp13 FTString 1 Indicates if Fund 13 is suppressed*: Fund14 FTString 15 Name of Fund 14 Supp14 FTString 1 Indicates if Fund 14 is suppressed*: Fund15 FTString 15 Name of Fund 15 Supp15 FTString 1 Indicates if Fund 15 is suppressed*: Fund16 FTString 15 Name of Fund 16 Supp16 FTString 1 Indicates if Fund 16 is suppressed*: Fund17 FTString 15 Name of Fund 17 Supp17 FTString 1 Indicates if Fund 17 is suppressed*: Fund18 FTString 15 Name of Fund 18 Supp18 FTString 1 Indicates if Fund 18 is suppressed*: Fund19 FTString 15 Name of Fund 19 Supp19 FTString 1 Indicates if Fund 19 is suppressed*: Fund20 FTString 15 Name of Fund 20 Supp20 FTString 1 Indicates if Fund 20 is suppressed*: Fund21 FTString 15 Name of Fund 21 Supp21 FTString 1 Indicates if Fund 21 is suppressed*: Fund22 FTString 15 Name of Fund 22 Supp22 FTString 1 Indicates if Fund 22 is suppressed*: Fund23 FTString 15 Name of Fund 23 Supp23 FTString 1 Indicates if Fund 23 is suppressed*: July 2015 Schwab Retirement Technologies Page 30 of 42

31 Fund24 FTString 15 Name of Fund 24 Supp24 FTString 1 Indicates if Fund 24 is suppressed*: Fund25 FTString 15 Name of Fund 25 Supp25 FTString 1 Indicates if Fund 25 is suppressed*: Fund26 FTString 15 Name of Fund 26 Supp26 FTString 1 Indicates if Fund 26 is suppressed*: Fund27 FTString 15 Name of Fund 27 Supp27 FTString 1 Indicates if Fund 27 is suppressed*: Fund28 FTString 15 Name of Fund 28 Supp28 FTString 1 Indicates if Fund 28 is suppressed*: Fund29 FTString 15 Name of Fund 29 Supp29 FTString 1 Indicates if Fund 29 is suppressed*: Fund30 FTString 15 Name of Fund 30 Supp30 FTString 1 Indicates if Fund 30 is suppressed*: Fund31 FTString 15 Name of Fund 31 Supp31 FTString 1 Indicates if Fund 31 is suppressed*: Fund32 FTString 15 Name of Fund 32 Supp32 FTString 1 Indicates if Fund 32 is suppressed*: Fund33 FTString 15 Name of Fund 33 Supp33 FTString 1 Indicates if Fund 33 is suppressed*: Fund34 FTString 15 Name of Fund 34 Supp34 FTString 1 Indicates if Fund 34 is suppressed*: Fund35 FTString 15 Name of Fund 35 Supp35 FTString 1 Indicates if Fund 35 is suppressed*: Fund36 FTString 15 Name of Fund 36 Supp36 FTString 1 Indicates if Fund 36 is suppressed*: Fund37 FTString 15 Name of Fund 37 July 2015 Schwab Retirement Technologies Page 31 of 42

32 Supp37 FTString 1 Indicates if Fund 37 is suppressed*: Fund38 FTString 15 Name of Fund 38 Supp38 FTString 1 Indicates if Fund 38 is suppressed*: Fund39 FTString 15 Name of Fund 39 Supp39 FTString 1 Indicates if Fund 39 is suppressed*: Fund40 FTString 15 Name of Fund 40 Supp40 FTString 1 Indicates if Fund 40 is suppressed*: Fund41 FTString 15 Name of Fund 41 Supp41 FTString 1 Indicates if Fund 41 is suppressed*: Fund42 FTString 15 Name of Fund 42 Supp42 FTString 1 Indicates if Fund 42 is suppressed*: Fund43 FTString 15 Name of Fund 43 Supp43 FTString 1 Indicates if Fund 43 is suppressed*: Fund44 FTString 15 Name of Fund 44 Supp44 FTString 1 Indicates if Fund 44 is suppressed*: Fund45 FTString 15 Name of Fund 45 Supp45 FTString 1 Indicates if Fund 45 is suppressed*: Fund46 FTString 15 Name of Fund 46 Supp46 FTString 1 Indicates if Fund 46 is suppressed*: Fund47 FTString 15 Name of Fund 47 Supp47 FTString 1 Indicates if Fund 47 is suppressed*: Fund48 FTString 15 Name of Fund 48 Supp48 FTString 1 Indicates if Fund 48 is suppressed*: Fund49 FTString 15 Name of Fund 49 Supp49 FTString 1 Indicates if Fund 49 is suppressed*: Fund50 FTString 15 Name of Fund 50 Supp50 FTString 1 Indicates if Fund 50 is suppressed*: July 2015 Schwab Retirement Technologies Page 32 of 42

33 Src1Name FTString 30 Name of Source 1 Src2Name FTString 30 Name of Source 2 Src3Name FTString 30 Name of Source 3 Src4Name FTString 30 Name of Source 4 Src5Name FTString 30 Name of Source 5 Src6Name FTString 30 Name of Source 6 Src7Name FTString 30 Name of Source 7 Src8Name FTString 30 Name of Source 8 Src9Name FTString 30 Name of Source 9 Src10Name FTString 30 Name of Source 10 Src11Name FTString 30 Name of Source 11 Src12Name FTString 30 Name of Source 12 Src13Name FTString 30 Name of Source 13 Src14Name FTString 30 Name of Source 14 Src15Name FTString 30 Name of Source 15 Analyze FTString 1 Indicates if the analyze section is displayed: 1=The analyze section is displayed 0=The analyze section is not displayed UnitOff FTString 1 Indicates if the units are suppressed: 1=The units are suppressed 0=The units are not suppressed NoMail FTString 1 Indicates if the mail extract is suppressed: 1=The mail extract is suppressed 0=The mail extract is not suppressed DefSrc FTString 1 Indicates which source is the employee s deferral source SuppSrc FTString 1 Indicates if the source summary section is suppressed: 1=The source summary section is suppressed 0=The source summary section is not suppressed SuppLife FTString 1 Indicates if the lifestyles section is suppressed: 1=The lifestyles section is suppressed 0=The lifestyles section is not suppressed SuppDef FTString 1 Indicates if the deferral text is suppressed: 1=The deferral text is suppressed 0=The deferral text is not suppressed SuppROR FTString 1 Indicates if the rate of return information is suppressed: 1=The deferral text is suppressed 0=The deferral text is not suppressed LoanOff FTString 1 Indicates if the loan information is suppressed: 1=The loan information is suppressed 0=The loan information not suppressed SuppFedExm FTString 1 Indicates if the Federal Exemption is suppressed. 1=Suppressed, 0=Not Suppressed SuppDefAmt FTString 1 Indicates if Deferral Amount Source is suppressed. 1=Suppressed, 0=Not Suppressed SuppYTDROR FTString 1 Indicates if YTD Rate of Return is suppressed. 1=Suppressed, 0=Not Suppressed SuppFedMar FTString 1 Indicates if Federal Marital Status is suppressed. 1=Suppressed, 0=Not Suppressed SuppComp FTString 1 Indicates if Compensation is suppressed. 1=Suppressed, 0=Not Suppressed SuppPayrol FTString 1 Indicates if Payroll Frequency is suppressed. 1=Suppressed, 0=Not Suppressed DefAmt FTString 2 Indicates if Deferral Amount is suppressed. 1=Suppressed, 0=Not Suppressed July 2015 Schwab Retirement Technologies Page 33 of 42

34 Compen FTString 2 Indicates if Compensation is suppressed. 1=Suppressed, 0=Not Suppressed SPName FTString 30 Sponsor name SPADR1 FTString 30 Sponsor address 1 SPADR2 FTString 30 Sponsor address 2 SPADR3 FTString 30 Sponsor address 3 SortOpt FTString 1 Sort option MatchSrc FTString Matching Source which one was actually selected NRtrAge FTString Normal Retirement Table (Age value in months) ERtrAge FTString Early Retirement Table (Age value in months) DefSetting FTString 1 Deferral Setting 0 = Percentage 1 = Dollar 2 = Both DefHCMaxP FTString Deferral Setting DefHCMaxD FTString Deferral HC Max $ DefNHCMaxP FTString Deferral NHC Max % DefNHCMaxD FTString Deferral NHC Max $ SuppRtrAge FTString 1 Suppress Plan Retirement Age (Normal and Early) 0 = Do Not Suppress 1 = Suppress SuppMDefLt FTString 1 Suppress Plan Maximum Deferral Limits 0 = Do Not Suppress 1 = Suppress SuppMatFor FTString 1 Suppress Match Formula 0 = Do Not Suppress 1 = Suppress *Suppression of Funds: 1. Use the following criteria to determine if a fund is frozen: Election % cap is zero for the fund in all sources. Transfer purchase % cap is zero for the fund in all sources. The [SstmOpt.BTV] Suppress Frozen Funds toggle is true (set in the Maintain Plan Options window) for the plan. 2. If the fund is frozen, the corresponding Supp field in Plan.DBF is toggled to true. 3. The Data Extract and Validation tool checks participant records for an ending balance (and no activity) in the fund. If they don t, and the corresponding Supp field is true, the fund is suppressed. July 2015 Schwab Retirement Technologies Page 34 of 42

35 ERROR.DBF Error File The Error File contains error code information. Plan_Num FTString 6 Plan ID Part_ID FTString 15 Participant s Social Security number Error_Code FTString 3 Error Code and Description 1 Investment elections do not equal 0 or The Plan has more than 20 unique assets and cannot be processed 3 The SStmOpt record was not updated with the plan s last export date 4 The participant has more than 5 loans 5 The asset does not have an associated CUSIP 6 Blank State ID 7 Invalid State ID 8 Blank City 9 Blank Zip 10 Non-alpha city 11 Non-numeric zip 12 Blank address line 1 13 Blank address line 2 14 Blank or invalid date of service 15 Blank or invalid date of birth 16 Blank or invalid date of participation 17 Date of birth is greater than or equal to the date of service or participation 18 Date of service is greater than or equal to the date of participation 19 Negative beginning balance 20 Negative ending balance 21 Negative beginning units 22 Negative ending units 23 Fractional ending units times ending price result in zero ending fun balance 24 Invalid SSN format 25 Mailing bulk to sponsor and there are less than two address lines populated 26 Duplicate name: + trim (DupeSSN) + and + trim (Prt^.SSN) 27 Source beginning balance + activity does not equal the ending balance 28 Fund beginning balance + activity does not equal the ending balance 29 Source totals do not equal fund totals 30 Plan bypassed The election source is zero 31 Plan bypassed Could not access the Sstmopt.Btv info 32 Participant bypassed Processing error 200 Zero total ending balance 201 A loan was originated within the extract range. Error_Desc FTString 120 Description of the error July 2015 Schwab Retirement Technologies Page 35 of 42

36 SUMMARY.DBF Summary File This Summary file contains summary information across all plans. One record is created for each plan. Plan_Num FTString 6 Plan ID Stat1_Tot FTString 6 Total number of participants with the status code 751 (Active) Stat2_Tot FTString 6 Total number of participants with the status code 752 (Inactive) Stat3_Tot FTString 6 Total number of participants with the status code 753 (Terminated) Stat4_Tot FTString 6 Total number of participants with the status code 754 (Suspended) Stat5_Tot FTString 6 Total number of participants with the status code 755 (Leave of Absence) Stat6_Tot FTString 6 Total number of participants with the status code 756 (Unable to Locate) Stat7_Tot FTString 6 Total number of participants with the status code 757 (Not Eligible Yet) Stat8_Tot FTString 6 Total number of participants with the status code 758 (Retired) Stat9_Tot FTString 6 Total number of participants with the status code 759 (Deceased) Stat10_Tot FTString 6 Total number of participants with the status code 760 (No Definition) Stat11_Tot FTString 6 Total number of participants with the status code 761 (No Definition) Stat12_Tot FTString 6 Total number of participants with the status code 762 (No Definition) Stat13_Tot FTString 6 Total number of participants with the status code 763 (No Definition) Stat14_Tot FTString 6 Total number of participants with the status code 764 (No Definition) Stat15_Tot FTString 6 Total number of participants with the status code 765 (Pay out all cash) Total_Prts FTString 6 Total number of participants in the plan. Fund1_Tot FTString 14 Total ending balance of Fund 1 Fund2_Tot FTString 14 Total ending balance of Fund 2 Fund3_Tot FTString 14 Total ending balance of Fund 3 Fund4_Tot FTString 14 Total ending balance of Fund 4 Fund5_Tot FTString 14 Total ending balance of Fund 5 Fund6_Tot FTString 14 Total ending balance of Fund 6 Fund7_Tot FTString 14 Total ending balance of Fund 7 Fund8_Tot FTString 14 Total ending balance of Fund 8 Fund9_Tot FTString 14 Total ending balance of Fund 9 Fund10_Tot FTString 14 Total ending balance of Fund 10 Fund11_Tot FTString 14 Total ending balance of Fund 11 Fund12_Tot FTString 14 Total ending balance of Fund 12 Fund13_Tot FTString 14 Total ending balance of Fund 13 Fund14_Tot FTString 14 Total ending balance of Fund 14 Fund15_Tot FTString 14 Total ending balance of Fund 15 Fund16_Tot FTString 14 Total ending balance of Fund 16 July 2015 Schwab Retirement Technologies Page 36 of 42

37 Fund17_Tot FTString 14 Total ending balance of Fund 17 Fund18_Tot FTString 14 Total ending balance of Fund 18 Fund19_Tot FTString 14 Total ending balance of Fund 19 Fund20_Tot FTString 14 Total ending balance of Fund 20 Fund21_Tot FTString 14 Total ending balance of Fund 21 Fund22_Tot FTString 14 Total ending balance of Fund 22 Fund23_Tot FTString 14 Total ending balance of Fund 23 Fund24_Tot FTString 14 Total ending balance of Fund 24 Fund25_Tot FTString 14 Total ending balance of Fund 25 Fund26_Tot FTString 14 Total ending balance of Fund 26 Fund27_Tot FTString 14 Total ending balance of Fund 27 Fund28_Tot FTString 14 Total ending balance of Fund 28 Fund29_Tot FTString 14 Total ending balance of Fund 29 Fund30_Tot FTString 14 Total ending balance of Fund 30 Fund31_Tot FTString 14 Total ending balance of Fund 31 Fund32_Tot FTString 14 Total ending balance of Fund 32 Fund33_Tot FTString 14 Total ending balance of Fund 33 Fund34_Tot FTString 14 Total ending balance of Fund 34 Fund35_Tot FTString 14 Total ending balance of Fund 35 Fund36_Tot FTString 14 Total ending balance of Fund 36 Fund37_Tot FTString 14 Total ending balance of Fund 37 Fund38_Tot FTString 14 Total ending balance of Fund 38 Fund39_Tot FTString 14 Total ending balance of Fund 39 Fund40_Tot FTString 14 Total ending balance of Fund 40 Fund41_Tot FTString 14 Total ending balance of Fund 41 Fund42_Tot FTString 14 Total ending balance of Fund 42 Fund43_Tot FTString 14 Total ending balance of Fund 43 Fund44_Tot FTString 14 Total ending balance of Fund 44 Fund45_Tot FTString 14 Total ending balance of Fund 45 Fund46_Tot FTString 14 Total ending balance of Fund 46 Fund47_Tot FTString 14 Total ending balance of Fund 47 Fund48_Tot FTString 14 Total ending balance of Fund 48 Fund49_Tot FTString 14 Total ending balance of Fund 49 Fund50_Tot FTString 14 Total ending balance of Fund 50 SRC1_Tot FTString 14 Total ending balance of Source 1 SRC2_Tot FTString 14 Total ending balance of Source 2 SRC3_Tot FTString 14 Total ending balance of Source 3 SRC4_Tot FTString 14 Total ending balance of Source 4 SRC5_Tot FTString 14 Total ending balance of Source 5 SRC6_Tot FTString 14 Total ending balance of Source 6 SRC7_Tot FTString 14 Total ending balance of Source 7 SRC8_Tot FTString 14 Total ending balance of Source 8 SRC9_Tot FTString 14 Total ending balance of Source 9 SRC10_Tot FTString 14 Total ending balance of Source 10 SRC11_Tot FTString 14 Total ending balance of Source 11 SRC12_Tot FTString 14 Total ending balance of Source 12 SRC13_Tot FTString 14 Total ending balance of Source 13 SRC14_Tot FTString 14 Total ending balance of Source 14 SRC15_Tot FTString 14 Total ending balance of Source 15 A0_TO_18 FTString 6 Total number of participants in the 0-18 age range A19_TO_39 FTString 6 Total number of participants in the age range A40_TO_54 FTString 6 Total number of participants in the age range A55_TO_999 FTString 6 Total number of participants in the age range July 2015 Schwab Retirement Technologies Page 37 of 42

38 HCE_Tot FTString 6 Total number of Highly Compensated Employees Key_Tot FTString 6 Total number of Key Employees Fund1_BB FTString 14 Total beginning balance of Fund 1 Fund2_BB FTString 14 Total beginning balance of Fund 2 Fund3_BB FTString 14 Total beginning balance of Fund 3 Fund4_BB FTString 14 Total beginning balance of Fund 4 Fund5_BB FTString 14 Total beginning balance of Fund 5 Fund6_BB FTString 14 Total beginning balance of Fund 6 Fund7_BB FTString 14 Total beginning balance of Fund 7 Fund8_BB FTString 14 Total beginning balance of Fund 8 Fund9_BB FTString 14 Total beginning balance of Fund 9 Fund10_BB FTString 14 Total beginning balance of Fund 10 Fund11_BB FTString 14 Total beginning balance of Fund 11 Fund12_BB FTString 14 Total beginning balance of Fund 12 Fund13_BB FTString 14 Total beginning balance of Fund 13 Fund14_BB FTString 14 Total beginning balance of Fund 14 Fund15_BB FTString 14 Total beginning balance of Fund 15 Fund16_BB FTString 14 Total beginning balance of Fund 16 Fund17_BB FTString 14 Total beginning balance of Fund 17 Fund18_BB FTString 14 Total beginning balance of Fund 18 Fund19_BB FTString 14 Total beginning balance of Fund 19 Fund20_BB FTString 14 Total beginning balance of Fund 20 Fund21_BB FTString 14 Total beginning balance of Fund 21 Fund22_BB FTString 14 Total beginning balance of Fund 22 Fund23_BB FTString 14 Total beginning balance of Fund 23 Fund24_BB FTString 14 Total beginning balance of Fund 24 Fund25_BB FTString 14 Total beginning balance of Fund 25 Fund26_BB FTString 14 Total beginning balance of Fund 26 Fund27_BB FTString 14 Total beginning balance of Fund 27 Fund28_BB FTString 14 Total beginning balance of Fund 28 Fund29_BB FTString 14 Total beginning balance of Fund 29 Fund30_BB FTString 14 Total beginning balance of Fund 30 Fund31_BB FTString 14 Total beginning balance of Fund 31 Fund32_BB FTString 14 Total beginning balance of Fund 32 Fund33_BB FTString 14 Total beginning balance of Fund 33 Fund34_BB FTString 14 Total beginning balance of Fund 34 Fund35_BB FTString 14 Total beginning balance of Fund 35 Fund36_BB FTString 14 Total beginning balance of Fund 36 Fund37_BB FTString 14 Total beginning balance of Fund 37 Fund38_BB FTString 14 Total beginning balance of Fund 38 Fund39_BB FTString 14 Total beginning balance of Fund 39 Fund40_BB FTString 14 Total beginning balance of Fund 40 Fund41_BB FTString 14 Total beginning balance of Fund 41 Fund42_BB FTString 14 Total beginning balance of Fund 42 Fund43_BB FTString 14 Total beginning balance of Fund 43 Fund44_BB FTString 14 Total beginning balance of Fund 44 Fund45_BB FTString 14 Total beginning balance of Fund 45 Fund46_BB FTString 14 Total beginning balance of Fund 46 Fund47_BB FTString 14 Total beginning balance of Fund 47 Fund48_BB FTString 14 Total beginning balance of Fund 48 Fund49_BB FTString 14 Total beginning balance of Fund 49 Fund50_BB FTString 14 Total beginning balance of Fund 50 Src1_BB FTString 14 Total beginning balance of Source 1 July 2015 Schwab Retirement Technologies Page 38 of 42

39 Src2_BB FTString 14 Total beginning balance of Source 2 Src3_BB FTString 14 Total beginning balance of Source 3 Src4_BB FTString 14 Total beginning balance of Source 4 Src5_BB FTString 14 Total beginning balance of Source 5 Src6_BB FTString 14 Total beginning balance of Source 6 Src7_BB FTString 14 Total beginning balance of Source 7 Src8_BB FTString 14 Total beginning balance of Source 8 Src9_BB FTString 14 Total beginning balance of Source 9 Src10_BB FTString 14 Total beginning balance of Source 10 Src11_BB FTString 14 Total beginning balance of Source 11 Src12_BB FTString 14 Total beginning balance of Source 12 Src13_BB FTString 14 Total beginning balance of Source 13 Src14_BB FTString 14 Total beginning balance of Source 14 Src15_BB FTString 14 Total beginning balance of Source 15 PlanBB FTString 14 Total beginning balance for the plan Stat16_Tot FTString 6 Stat17_Tot FTString 6 Stat18_Tot FTString 6 Stat19_Tot FTString 6 Stat20_Tot FTString 6 Stat21_Tot FTString 6 Stat22_Tot FTString 6 Stat23_Tot FTString 6 Stat24_Tot FTString 6 Stat25_Tot FTString 6 Stat26_Tot FTString 6 Stat27_Tot FTString 6 Stat28_Tot FTString 6 Stat29_Tot FTString 6 Stat30_Tot FTString 6 Stat31_Tot FTString 6 Stat32_Tot FTString 6 Stat33_Tot FTString 6 Stat34_Tot FTString 6 Stat35_Tot FTString 6 Stat36_Tot FTString 6 Stat37_Tot FTString 6 Stat38_Tot FTString 6 July 2015 Schwab Retirement Technologies Page 39 of 42