UNIFI RETIREMENT advantage series GOVERNMENTal PLANS On Your Team. Toward Your Goal. SM UNIFI Companies Retirement Plans RP 1436 3/08
SOLID PERFORMANCE COMPREHENSIVE TOOLS PERSONAL SERVICE
A commitment to retirement At UNIFI Companies Retirement plans we provide the professional service, comprehensive tools, and solid performance you need to deliver the quality governmental retirement plan your employees deserve. Our combination of products and services enables us to administer 457(b) Deferred Compensation Plans, 401(a) Retirement Plans and Governmental 414(h) Salary Deferral Plans. Our experienced professionals can even show you how these plans can work together to help achieve a range of retirement goals. A retirement plan can be a very attractive benefit for your employees. Here s how UNIFI Companies Retirement Plans can help: Competitive Advantage A well-designed benefits package can be a key incentive to attracting top talent and retaining valued employees. UNIFI Companies Retirement Plans recognizes this need. We are committed to providing programs and products that give employers a competitive edge. Our award-winning, integrated approach delivers a well-crafted plan design, investment options, and plan administration, along with fiduciary programs to make the job of sponsoring a qualified retirement plan so much easier. Complete Program We deliver an affordable program from the initial step of plan design to ongoing plan participant service. Let us start by assisting with plan design, administrative services, a fiduciary assistance program, and educational materials for governmental employers and their employees. Next, add a quality investment platform selected and monitored by our group of financial professionals, relying on research from Morningstar Associates, LLC. Each component contributes to the proper management of a retirement plan. Together they provide a complete package and peace of mind. Ease of Doing Business You will appreciate having a single-source contact for your day-to-day administrative needs and questions. Our knowledgeable associates deliver responsive, personalized service important factors in helping UNIFI Companies Retirement Plans develop long-term relationships and maintain a strong client base. This single-source accountability helps provide a complete, efficient package that appeals to business-focused plan sponsors. Award-Winning Results In a recent survey conducted by 401kExchange 1, our retirement plans team earned high ratings from its plan sponsors in the following areas: #1 for Plan Administration #2 for Fund Management UNIFI pays a fee to 401kExchange for access to the 401kExchange Provider Database, and also pays a licensing fee in order to use and distribute 401kExchange logos and/or materials. 1 401kExchange 2006 competitive analysis of the 401(k) market. 401kExchange is not affiliated with UNIFI Companies Retirement Plans.
SOLID PERFORMANCE Investment options that look to the future. High-quality investment options play a key role in achieving the kind of performance plan sponsors and plan participants hope for. Our selection process is designed to identify top performing investments. Our monitoring process keeps tabs on investment performance throughout the year. Our UNIFI Retirement Advantage Series sm is a retirement product with many advantages, including a wide range of investment options managed by nationally prominent investment managers. Investment Due Diligence Our Investment Selection Evaluation System (ISES) is designed to select a strong lineup to help meet the long-term goals of retirement savers. It s an objective, ongoing process that helps us identify investment options that can deliver solid performance over the long term. We also engage Morningstar Associates, LLC as an objective third party to monitor our platform of investment options. They evaluate performance, expenses, investment strategies, and portfolio managers. The selection of investment options is systematic and pro-active. Our Investment Products Group keeps a close eye on our investment options. Those that falter are placed on a watch list. Any that continue to fall below standards set by our fund selection process are removed from our lineup. Diverse Investment Platform Our investment options provide: Choice. We feature more than 60 investment options representing more than 20 respected fund managers. Select from a full range of asset classes, including domestic and foreign stock funds, plus a diversified menu that offers bond funds, real estate, and asset allocation. Variety. In addition to our actively managed investment options, we have included an index-benchmarked lineup that provides a market-diversified, low-cost approach to investing. Also available are socially responsible investment options that focus on companies that respect the environment, their employees and the communities where they do business. Capital Preservation. The Guaranteed Investment Account offers investors a high degree of stability by providing a guarantee of principal along with a competitive guaranteed rate of return. 1 A traditional money market investment option is also available. Target Funds. Our six target-date retirement investment options from T. Rowe Price make investing simple. These automatically rebalance and adjust as participants get closer to retirement. Age-based options deliver single, diversified solutions tailored to each individual s time horizon. Exchange Traded Funds. ETFs are a cost-effective way to track the performance of a broad market index, or target a specific sector or segment of the market. Summit Lifestyle ETF Market Strategy Portfolios offer three investment options: conservative, target, and aggressive. Seasoned investment professionals dynamically manage these well-diversified ETF portfolios. 1 Guarantees are based on claims-paying ability of the issuing company.
UNIFI COMPANIES RETIREMENT PLANS Helping to create more financially secure futures.
COMPREHENSIVE TOOLS It s the added value our plans offer. Successful retirement plans contain three elements: proper plan design, comprehensive participant education, and a strong investment portfolio. UNIFI Companies Retirement Plans brings you and your plan participants more options and opportunities to help meet your needs. We believe in delivering the kinds of features and services that add value. Some make it easier for plan sponsors to manage their responsibilities and duties. Others target new trends in the marketplace, such as target funds and ETFs. It s all part of our on-going commitment to provide benefits that make a difference for your employees. Fiduciary Assistance Our dedication to the administration and fiduciary needs of a plan sponsor is a benefit you will appreciate. We provide plan sponsors with effective management tools to help them fulfill their fiduciary responsibilities. These include investment reviews, plan management tools, and an annual plan level fiduciary review. Portfolio Playbook sm and the professionals at Morningstar Associates, LLC (Morningstar) offer a solution for plan sponsors wanting added assistance in meeting their fiduciary responsibilities. Morningstar will serve as an investment advisor fiduciary for investment purposes and helps research, select and monitor a diverse investment platform for plan sponsors to use. Additional costs will apply. Participant Education starts with promotional materials to encourage plan participation. But the support doesn t end there. We provide educational materials to help employees understand the importance of saving for retirement and to help participants make investment decisions. Additional educational opportunities can be found on our participant website. It delivers educational modules that help plan participants understand the ins and outs of planning and saving for their retirement. The site also provides calculators to illustrate basic investing and saving principles. Our Easy-to-Use Website provides 24-hour, secure accessibility for participants to monitor and manage their account information at their convenience. Your employees can check their account balance, review their investment options, rebalance their portfolio, and more. We have made a major commitment of significant resources to ensure that our website delivers the information and services your participants need.
UNIFI COMPANIES RETIREMENT PLANS Solutions that work for you and your employees.
PERSONAL SERVICE Building a trusted relationship from the very start. Respect is earned. So is trust. It doesn t happen overnight and we never take it for granted. At UNIFI Companies Retirement Plans, we ve staked our reputation on our people, our product, and our processes. Count on the knowledge and experience of our representatives and associates to deliver the personal attention and responsiveness you deserve. Attention to Detail By taking care of the details, we make it simple to offer a retirement plan. There s never a question about whom to call at UNIFI Companies Retirement Plans. We assign an experienced professional as your single-source contact for dayto-day operational needs. We work together to understand and serve you. We offer complete administrative and recordkeeping services, such as all plan reporting and full-trust accounting. Outstanding performance and industry awards back our high service standards. Our relationship-based service model can give you more time to focus on other aspects of your job, yet stay connected with your plan. Plan Design Services can be provided. We can design and draft plan documents to make sure they meet your needs, achieve stated objectives, and comply with the legal and regulatory standards of both the Internal Revenue Service and the Department of Labor. Let us show you how a stacked plan may benefit you and your employees. 457(b) 414(h) 457(b) 401(a) Whether you are a first-time plan sponsor or you are looking for a new-and-improved plan, our awardwinning services and extensive investment platform can provide a key employee benefit.
UNIFI COMPANIES RETIREMENT PLANS Our people make the difference.
STRONG FOUNDATION Earning your trust day after day. Our tradition and financial strength demonstrates our commitment to the industry and the employers we serve. But more importantly, it demonstrates our passion for keeping the promises we make to our plan sponsors and their employees. Let UNIFI Companies Retirement Plans put its commitment to high standards to work for you. About UNIFI Companies The UNIFI Companies - Ameritas Life Insurance Corp., Acaicia Life Insurance Company and The Union Central Life Insurance Company and their affiliated companies - offers a wide range of insurance and financial products and services to individuals, families and businesses. These products and services include life insurance, annuities, individual disability insurance, retirement plans, investments, mutual funds, group dental and eye care insurance, banking and public finance. The organization s financial strength and stability are reflected in strong financial ratings from independent analysts. The life insurance companies heritage, dating back to 1867, is built on traditional values, high ethical standards and trusted relationships. For more information, visit the UNIFI Companies web site at www.unificompanies.com. Securities offered through affiliate Ameritas Investment Corp., Member FINRA/SIPC. Financial Ratings Ameritas Life Insurance Corp. and The Union Central Life Insurance Company have earned high ratings from these independent rating agencies: Standard & Poor s AA- (Very Strong) for insurer financial strength. This is the fourth highest of S&P s 21 ratings. A.M. Best A (Excellent) for financial strength and operating performance. This is third highest of Best s 15 ratings. The Standard & Poor s and A.M. Best ratings are group ratings for Ameritas Life Insurance Corp., Acacia Life Insurance Company, First Ameritas Life Insurance Corp. of New York and The Union Central Life Insurance Company.
SOLID PERFORMANCE COMPREHENSIVE TOOLS PERSONAL SERVICE
800-923-2732 retire.unificompanies.com The UNIFI Companies Retirement Plans is an affiliation of Ameritas Life Insurance Corp. and The Union Central Life Insurance Company s retirement plans divisions. These companies offer the retirement plans products and services of the UNIFI Companies. 2008 UNIFI Mutual Holding Company Morningstar Associates, LLC has provided data and tools for use by Ameritas Life Insurance Corp. (Ameritas) and The Union Central Life Insurance Company (Union Central) and their representatives. Neither Morningstar Associates, LLC nor Morningstar, Inc. is acting as an investment adviser with respect to the use of the asset allocation product. Although the data is gathered from reliable sources, neither Morningstar Associates, LLC nor Morningstar, Inc. guarantees their accuracy, completeness, or timeliness. Neither Morningstar Associates, LLC nor Morningstar, Inc. is affiliated with Ameritas or Union Central. The UNIFI Retirement Advantage Series sm refers to group variable annuity contracts issued by Ameritas Life Insurance Corp. (Form AL 64349) and The Union Central Life Insurance Company (Forms UC 64349 and UC 64349NY). May not be available in all states.