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Adding value to your benefits offering
Massachusetts Mutual Life Insurance Companyand affiliates, Springfield, MA 01111-0001
www.massmutual.com
Massachusetts Mutual Life Insurance Company and affiliates1295 State Street, Springfield, MA 01111-0001
Massachusetts Mutual Life Insurance Companyand affiliates, Springfield, MA 01111-0001
www.massmutual.com
Massachusetts Mutual Life Insurance Company and affiliates1295 State Street, Springfield, MA 01111-0001
Massachusetts Mutual Life Insurance Companyand affiliates, Springfield, MA 01111-0001
www.massmutual.com
Massachusetts Mutual Life Insurance Company and affiliates1295 State Street, Springfield, MA 01111-0001
Position correct sizeand version ofMassMutual logoin this position.DO NOT SCALE LOGOS!
Retirement Strategies
Retail Association of Maine
You’ve already taken an important first step. By managing your benefits through Retail Association of Maine 401(k) plan, you have demonstrated that you are committed to delivering a robust benefits package to your employees while maintaining focus on growing your business. In addition to your core business solutions, you need a strong 401(k) offering to round out your value-added employee benefits services.
Contents 2 | The value of adopting the Retail Association of Maine 2 | A low-cost solution 2 | Streamlined plan management 2 | Focus on plan health 4 | Smooth installation 4 | Flexible plan design 4 | Variety of investment options 5 | Next steps
Retail Association of Maine 401(k) plan, working with MassMutual, offers a comprehensive retirement plan solution for smaller businesses that offers simple implementation and administration at low cost to you. Retail Association of Maine 401(k) plan enables you to offer a high-quality retirement benefit that relieves the administrative burden you may be facing if you’re managing a plan on your own today. It can also minimize your fiduciary responsibilities.
Perhaps most importantly, the plan can help you not only attract and retain quality employees, but will encourage these employees to make good decisions today that will move them closer to their retirement goals tomorrow.
1
The value of adopting the Retail Association of Maine
The plan offers:• Alow-costsolutiontoenhanceyourbenefitspackage
• Streamlinedplanmanagementwithfeaturesand
servicestypicallyavailableonlytolargercompanies
• Adedicationtoplanhealth,poweredby
targetedcommunicationsandeducation
• Acomprehensivevarietyofinvestmentoptions
• Flexibleplandesignoptions
• Aseamlessinstallationprocess
MassMutual'scommitmenttotheMultipleEmployer
Plan(MEP)industrystemsfrommanyyearsofexperience,
whichhasenabledustodesignaplanthatachieves
theseobjectives.
A low-cost solutionIfyouaremanagingaplanonyourowntoday,thenyou're
probablyusedtopayingforbasicplanservices,such
asannualaudits,Form5500preparationandfiling,and
non-discriminationtesting.Thesecostsareincludedinthe
overallpricingoftheRetailAssociationofMaine.Overall
costmaybeloweraswell,sinceyoubenefitfrombeingpart
ofamuchlargerplan.
Ifyoudonotmanageyourownplantoday,considerthis:
ThroughRetailAssociationofMaine401(k)plan,youmay
beabletoadoptthe401(k)Planwithoutaddingtothecost
thatyoualreadypayforyourbenefitsadministration.
Streamlined plan managementYoucanfocusonyourotherbusinesspriorities,knowing
thatknowledgeableretirementprofessionalshandlethedaily
operationsofyourplan.
TheTotalRetirementCenter
(TRC),MassMutual’ssecure
plan sponsor website,provides
timelyaccesstoinformation
and theabilitytoinitiateplan
transactionsquicklyandeasily.
TheTRC delivers:
• Easytransfersof
contributionanddemographicdata
• Investmentperformanceinformation
• Financial,participant,loanandotherreporting
• Completeloanadministration
• Detailedplaninformationandeventsummary
• Industryandcomplianceupdates/alerts
Weoffercomplianceservices,suchastesting,required
minimumdistributionreporting,merger/acquisition
assistance,andmore.
Dedication to plan health
For you:MassMutual Plansmart℠ Analysis Tool
Providedwehavetheproper
data,thePlanSmartAnalysis
tool providesaconsolidated
viewof yourentireplan.
With incomereplacementratiosas a keymetric,thereport
showsyouthepercentageofemployeesthatison-trackfor
asuccessfulretirement.And,mostimportantly,thereport
willhelpyoudeveloptheactionsneededtohelpagreater
percentageofthoseemployeesachieveacomfortablelevel
ofmonthlyincomewhentheyretire.
Usingthelatesttechnology,PlanSmartanalyzesyour
planandprovidescriticalestimatesonhowmanyofyour
employeeshaveagoodchancetoreplaceatleastacertain
amountoftheirincomeinretirement.Withmorerigorous
dataanalysis,yourorganizationcanmakebetterdecisions,
implementmoreeffectivestrategiesand,ultimately,find
clearerpathstoachievingplanhealthandgreatersuccessfor
yourparticipants.
Express Solutions PortfoliosPlanTrack Report for:
Participant Data as of: 12/31/2008
* Percent of participants on track to retire by age 67 and replace at least 75% of income during retirement. See page seven for assumptions.
with Suggested Strategy
with Current Strategy
PERCENT OF PARTICIPANTS ON TRACK FOR RETIREMENT
The bar chart below compares the percentage of plan participants that are on track with their current strategies versus the percentage that could be on track if they adopt the suggested strategies. *
Under 0% 0% 0 - 1% 1 - 2% 2 - 3% 3 - 4% 4 - 5% 5 - 6% 6 - 7% 7 - 8% 8 - 9% 9 - 10% Over 10%
Change in Savings Rate (as percent of salary)
0%
10%
20%
30%
40%
50%
60%
Per
cent
of
Par
ticip
ants
with
Sav
ings
Cha
nge
Sug
gest
ion
17% 17%
50%
17%
The On Track Analysis determines whether a participant's current strategy (savings rate and investment allocation) is "on track" for retirement success and, if necessary, suggests an alternate savings and investment strategy to help each participant to get on track.This report provides aggregate plan statistics to help plan sponsors assess overall retirement readiness and action steps across plan participants.
ON-TRACK ANALYSIS
DISTRIBUTION OF SAVINGS CHANGE SUGGESTIONS
This chart illustrates the range of savings rate change suggestions generated across plan participants. Eligible participants who are not actively contributing are assigned a 0% current savings rate.
DISTRIBUTION OF INVESTMENT SUGGESTIONS
This chart examines the investment portfolio suggestions generated across plan participants.
0%
10%
20%
30%
40%
50%
60%
Per
cent
of P
artic
ipan
ts w
ith In
vest
men
t S
ugge
stio
n 50%
33%
17%
Express Short Term
Express Ultra-Aggresive
Express Conservative Express Moderate Express Aggresive
67 %
17 %
© 2010, Klein Decisions, Inc. Page 2 of 8
Stable Value Fixed Income Asset Allocation/Lifestyle
Asset Allocation/Lifecycle Large Cap Equity Multi Cap Equity
Mid Cap Equity Small Cap Equity Intl/Global Equity
Your Plan’s Asset Allocation by Age
Sample Income Sample 2050Sample 2040Sample 2030Sample 2020
Age 60 and over
41 Participants
Age 50-59 Age 40-49 Age 30-39 Under Age 30
120 Participants 64 Participants 24 Participants 11 Participants
Asset Category:
Diversification by Age as of December 31, 2009
Sample Professionally Managed Age-Based Portfolios*
*Sample allocations provided by Morningstar Associates, LLC, a registered investment advisor and a subsidiary of Morningstar Inc. Morningstar Associates is not itself a FINRA member firm.
RS-08365-02 1234-1 ABC Company Retirement Plan
2
For your participants:MassMutual Retiresmart℠ Experience
RetireSmartisapowerful
blend of communicationsand
tools designedtocomplementthenaturaltendencies,
attitudesandpreferencesofparticipants.Usinga
combinationofpersonalized,relevantmessages,avari-
ety of mediachannelsanduniquetiming,ourRetireSmart
communicationsplatformappliesbehaviorallessonstoeach
touchpointofanemployee’sjourneytoward retirement.
Whenintelligentplandesign
iscombinedwithinteractive
communicationsuchasour
highlysuccessfule4 education
workshopsandtheRetireSmart
Readytool,participantoutcomesimprove.TheRetireSmart
Readytoolprovidesparticipantswithasimplewaytocheck
theirlikelihoodof havingenoughincomeinretirementand
alsoincludesguidanceandadvice components.*
TheparticipantcampaignsportionofRetireSmartisa
value-addedserviceforallofourretirementplansponsors.
Inadditiontoencouragingparticipantstotakeaction
Standard MEP Services•Track historical employee status
•Eligibility determination
•Mail enrollment packages
•Enrollment/automatic enrollment
•Salary deferral changes/automatic deferral increase
•Contribution limit monitoring
•Loan monitoring
•Hardship withdrawal suspension monitoring
•Process distributions and Qualified Domestic Relations Orders (QDROs)
•Investment line-up changes
•Direct mail to participants
•Electronic/paperless loans
•Installments/payments
•Beneficiary changes
•Hardship approval services
•e4 education services
•Terminations
•Re-instatements
•Vesting calculations
•Gap statements
ERISA Advisory Services•Compliance – Information on
plan sponsor website
•Consulting – Plan design, investment policy statements, document preparation
•Testing – General 416, 415, 410(b), defined contribution Actual Deferral Percentage/Actual Contribution Percentage, 402(g), plan limit, 401(a)(4)
•Reporting – Form 5500, transitional 5500, auditors package, discretionary year end calculations, outstanding regulatory contribution funding reporting
•Form 5330 preparation
•Regulatory participant notice service
On-Boarding•Prior plan review
•Contact with prior record keeper
•Schedule asset transfer
•New business mailings – Transition booklets, auto-enrollment notification, summary plan descrip-tions, safe harbor notifications, Pension Protection Act (PPA) mailing (Qualified Default Investment Alternatives [QDIA])
Services included:
3
* Guidance and advice services are provided by a third party not affiliated with MassMutual
A comprehensive variety of investment options
Smooth installationIfyoumanageyourownplantoday,youcanrestassured
thatplaninstallationwillbeseamlesstoyourparticipants.
WorkingwithMassMutual,wetakecareoftheparticipant
notificationsandbydoingso,hopetogenerateinterestand
excitementintheplan.Wewillconducteducationsessions
foryourparticipantsandofferassistancewiththeenrollment
process.Mostimportantly,ourseasonedanddedicatedtran-
sitionteamwillensuretheshortestpossibleblackoutperiod
foryouandyourparticipants.
Flexible plan design options
AsanemployerchoosingtoparticipateinthePlan,youwill
havetheabilitytocustomizespecificfeaturesofthePlanto
bestalignwithyourretirementplangoals.
Investment Option Name Ticker
Retail Association of Maine
© 2011 Massachusetts Mutual Life Insurance Company, Springfield, MA 01111. All rights reserved. www.massmutual.com MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) [of which Retirement Services is a division] and its affiliated companies and sales representatives.
RS4750F 211C:20476-00
ENROLL SAVE ALLOCATE CONSOLIDATE PLAN Retiresmart℠
Flexyoursavingmuscles!
MassMutual Retirement ServicesPO Box 219062, Kansas City, MO 64121-9062
FOR ADDITIONAL INFORMATIONPLEASE CONTACT THE US POSTAL SERVICEREPRESENTATIVE BELOW:
OT NewmanMailpiece Design Analyst816-374-9643
BUSINESS REPLY MAIL1 OZ LETTER-SIZEPERMIT 14199MAY 2011Business Reply Mail (BRM)and Courtesy Reply Mail (CRM) must have an Intelligent Mail Barcode
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THIS POSITIVE PREPARED FOR:MASSMUTUAL RETIREMENT SERVICESPO BOX 219062KANSAS CITY MO 64121-7306
TO BE USED ONLY WITH FIM - C (Business Reply Mail)AND ZIP CODE:
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PLACEMENT: Special care also must be taken to ensure FIMs andbarcodes are placed properly on the mail piece. Improper size orplacement ensures the mail piece will not meet USPS regulations anddefeat their purpose of automation compatibility.
**********************************************************************************
FOR ADDITIONAL INFORMATIONPLEASE CONTACT THE US POSTAL SERVICEREPRESENTATIVE BELOW:
OT NewmanMailpiece Design Analyst816-374-9643
BUSINESS REPLY MAIL1 OZ LETTER-SIZEPERMIT 14199MAY 2011Business Reply Mail (BRM)and Courtesy Reply Mail (CRM) must have an Intelligent Mail Barcode
ALIGNWITH
UPPERRIGHT
CORNER
ALIGNWITH
LOWERRIGHT
CORNER
CAUTION:USE ONLY FOR ADDRESS BEARING THE ZIP+4 CODEABOVE. SEE PUBLICATION 25 FOR PRINTINGREQUIREMENTS.
THIS POSITIVE PREPARED FOR:MASSMUTUAL RETIREMENT SERVICESPO BOX 219062KANSAS CITY MO 64121-7306
TO BE USED ONLY WITH FIM - C (Business Reply Mail)AND ZIP CODE:
64121-7306 CK=0
(c) 1989-2010 Envelope Manager version 3.021.005. Created June 14, 2010 8:24 AM
Use Envelope Manager's DAZzle Designer to create a complete courtesy or business reply mail artwork in minutes!
www.EnvelopeManager.com (800) 576-3279
www.PictureItPostage.com Customized Color Postage Stamps!
**********************************************************************************
SIZE: FIM & BARCODE ARE ACTUAL SIZE: DO NOT ENLARGE OR REDUCE!
PLACEMENT: Special care also must be taken to ensure FIMs andbarcodes are placed properly on the mail piece. Improper size orplacement ensures the mail piece will not meet USPS regulations anddefeat their purpose of automation compatibility.
**********************************************************************************
BUSINESS REPLY MAIL
USPS BRM Template #9 Envelope 3-7/8" x 8-7/8"
Working LayerJanuary 2001 Platform: Macintosh Application: Adobe Illustrator File Name: bm9.ai
POSTAGE WILL BE PAID BY ADDRESSEE
NO POSTAGENECESSARY
IF MAILEDIN THE
UNITED STATES
FIRST CLASS MAIL PERMIT NO. 14199 KANSAS CITY, MO
MASSMUTUAL RETIREMENT SERVICESPO BOX 219062KANSAS CITY MO 64121-7306
RS4749F 211C:20478-00
ENROLL SAVE ALLOCATE CONSOLIDATE PLAN Retiresmart℠
Gettoyoursavingsgoalfaster!
MassMutual Retirement ServicesPO Box 219062, Kansas City, MO 64121-9062
RS4749M 211C:20477-00
ENROLL SAVE ALLOCATE CONSOLIDATE PLAN Retiresmart℠
Savingtooslow?
MassMutual Retirement ServicesPO Box 219062, Kansas City, MO 64121-9062
RS4751F 211C:20474-00
ENROLL SAVE ALLOCATE CONSOLIDATE PLAN Retiresmart℠
Pssst...you’realmostthere.
MassMutual Retirement ServicesPO Box 219062, Kansas City, MO 64121-9062
RS4751M 211C:20479-00
ENROLL SAVE ALLOCATE CONSOLIDATE PLAN Retiresmart℠
Socloseyoucantasteit!
MassMutual Retirement ServicesPO Box 219062, Kansas City, MO 64121-9062
© 2011 Massachusetts Mutual Life Insurance Company, Springfield, MA 01111. All rights reserved. www.massmutual.com MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) [of which Retirement Services is a division] and its affiliated companies and sales representatives.
RS4750M 211C:20475-00
ENROLL SAVE ALLOCATE CONSOLIDATE PLAN Retiresmart℠
Flexyoursavingmuscles!
MassMutual Retirement ServicesPO Box 219062, Kansas City, MO 64121-9062
FOR ADDITIONAL INFORMATIONPLEASE CONTACT THE US POSTAL SERVICEREPRESENTATIVE BELOW:
OT NewmanMailpiece Design Analyst816-374-9643
BUSINESS REPLY MAIL1 OZ LETTER-SIZEPERMIT 14199MAY 2011Business Reply Mail (BRM)and Courtesy Reply Mail (CRM) must have an Intelligent Mail Barcode
ALIGNWITH
UPPERRIGHT
CORNER
ALIGNWITH
LOWERRIGHT
CORNER
CAUTION:USE ONLY FOR ADDRESS BEARING THE ZIP+4 CODEABOVE. SEE PUBLICATION 25 FOR PRINTINGREQUIREMENTS.
THIS POSITIVE PREPARED FOR:MASSMUTUAL RETIREMENT SERVICESPO BOX 219062KANSAS CITY MO 64121-7306
TO BE USED ONLY WITH FIM - C (Business Reply Mail)AND ZIP CODE:
64121-7306 CK=0
(c) 1989-2010 Envelope Manager version 3.021.005. Created June 14, 2010 8:24 AM
Use Envelope Manager's DAZzle Designer to create a complete courtesy or business reply mail artwork in minutes!
www.EnvelopeManager.com (800) 576-3279
www.PictureItPostage.com Customized Color Postage Stamps!
**********************************************************************************
SIZE: FIM & BARCODE ARE ACTUAL SIZE: DO NOT ENLARGE OR REDUCE!
PLACEMENT: Special care also must be taken to ensure FIMs andbarcodes are placed properly on the mail piece. Improper size orplacement ensures the mail piece will not meet USPS regulations anddefeat their purpose of automation compatibility.
**********************************************************************************
FOR ADDITIONAL INFORMATIONPLEASE CONTACT THE US POSTAL SERVICEREPRESENTATIVE BELOW:
OT NewmanMailpiece Design Analyst816-374-9643
BUSINESS REPLY MAIL1 OZ LETTER-SIZEPERMIT 14199MAY 2011Business Reply Mail (BRM)and Courtesy Reply Mail (CRM) must have an Intelligent Mail Barcode
ALIGNWITH
UPPERRIGHT
CORNER
ALIGNWITH
LOWERRIGHT
CORNER
CAUTION:USE ONLY FOR ADDRESS BEARING THE ZIP+4 CODEABOVE. SEE PUBLICATION 25 FOR PRINTINGREQUIREMENTS.
THIS POSITIVE PREPARED FOR:MASSMUTUAL RETIREMENT SERVICESPO BOX 219062KANSAS CITY MO 64121-7306
TO BE USED ONLY WITH FIM - C (Business Reply Mail)AND ZIP CODE:
64121-7306 CK=0
(c) 1989-2010 Envelope Manager version 3.021.005. Created June 14, 2010 8:24 AM
Use Envelope Manager's DAZzle Designer to create a complete courtesy or business reply mail artwork in minutes!
www.EnvelopeManager.com (800) 576-3279
www.PictureItPostage.com Customized Color Postage Stamps!
**********************************************************************************
SIZE: FIM & BARCODE ARE ACTUAL SIZE: DO NOT ENLARGE OR REDUCE!
PLACEMENT: Special care also must be taken to ensure FIMs andbarcodes are placed properly on the mail piece. Improper size orplacement ensures the mail piece will not meet USPS regulations anddefeat their purpose of automation compatibility.
**********************************************************************************
BUSINESS REPLY MAIL
USPS BRM Template #9 Envelope 3-7/8" x 8-7/8"
Working LayerJanuary 2001 Platform: Macintosh Application: Adobe Illustrator File Name: bm9.ai
POSTAGE WILL BE PAID BY ADDRESSEE
NO POSTAGENECESSARY
IF MAILEDIN THE
UNITED STATES
FIRST CLASS MAIL PERMIT NO. 14199 KANSAS CITY, MO
MASSMUTUAL RETIREMENT SERVICESPO BOX 219062KANSAS CITY MO 64121-7306
4
towardsretirementreadiness,thesecampaignsalsoserveas
aremindertoparticipantsofthevaluablebenefitprogram
offeredbytheirorganization.Theadvantageforplanspon-
sorsisthat MassMutualdoesallthework.Plansponsors
donotneedtodoanythingtoinitiatethecampaignsand
canopt-out oftheprogramatanytime.Ifaplaniseligible
foraparticularcampaign,participantswhomeetthedata
andprofilerequirementswillautomaticallybeincludedin
the campaigndistribution.
Investors should consider an investment’s objectives, risks, charges and expenses carefully before investing. For this and other information, see the prospectus available by calling 1-800-309-3539. Read it carefully before investing.
PremierInflation-ProtBondA MPSAX
SelectPIMCOTotalReturnA MSPGX
PremierHighYieldA MPHAX
OppenheimerDevelopingMarketsA ODMAX
RetireSMART2010A MRXAX
RetireSMART2020A MRTAX
RetireSMART2030A MRYAX
RetireSMART2040A MRFAX
RetireSMART2050A MMARX
RetireSMARTInRetirementA MRDAX
SelectFundamentalValueY MFUYX
SelectIndexedEquityS MMIEX
PremierDisciplinedGrthA MPGAX
ColumbiaMidCapIndexA NTIAX
JPMorganMidCapValueA JAMCX
SelectMidCapGrEqIIY MEFYX
ColumbiaSmallCapIndexA NMSAX
AmericanFundsEuroPacificGrR3 RERCX
FranklinStrategicIncome FRSTX
MFSTotalReturnR3 MDFHX
TempletonGlobalBond TPINX
NorthernBondIndex NOBOX
NorthernInternationalEquityIndex NOINX
CapitalPreservationAccount n/a
401(k) Plan information
Section 1 – Current plan information & requested service(s)
1. Does the Company currently sponsor a qualified plan? If Yes, Estimated assets ____________________ Estimated participants ____________________
Yes No
2. Who is your current plan’s recordkeeper and/or investment manager? __________________________________________________________________________
3. Does the Company currently sponsor a plan with a Roth 401(k) feature? Yes No
4. Does the Company currently sponsor a plan with a New Comparability feature? Yes No
5. Is the Company currently participating in a multiple employer plan? Yes No
6. Does the Company sponsor a SIMPLE 401(k) or SIMPLE IRA? Yes No
7. Does the Company have an existing frozen plan, or has the Company terminated a 401(k) plan in the last 12-months?
Yes No
8. Does the Company currently sponsor a Safe Harbor Plan? Yes No
9. If the Company sponsors a plan, are they using Automatic Enrollment of participants? Yes No
10. Is the company a subsidiary of another company? Yes No
11. Would you like to learn more about a multiple-employer plan offering sponsored by Retail Association of Maine 401(k) plan?
Yes No
Type of corporation:
Corp S Corp Limited Liability Company (LLC) Sole proprietor Non Profit
Company contact for 401(k) plan purposes if other than the Owner/Officer contact listed above.
Contact name: _____________________________________________________________________________________
E-mail address: ____________________________________________________________________________________
Telephone: ( ) _________________________________________________________________________________
Let's start the conversation.
Contact John Heise at (603) 581-7125 and/or email [email protected] to learn more. Or, fill out the attached survey and return it to John at [email protected] to begin.
5
401(k) Survey
Retail Association of Maine 401(k) plan
Prospect’s legal business name _____________________________________________________________________________
DBA ________________________________________________________________________________________________
Owner/Officer contact _______________________________________ Title _____________________________________
Phone number _____________________________________________ Fax number ________________________________
Email address _________________________________________________________________________________________
() ()
RS3845_Curtis 812 C:22028-00
© 2012 Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. All rights reserved. www.massmutual.com. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) [of which Retirement Services is a division] and its affiliated companies and sales representatives.