Grow Your Nest Egg With the ACCE 401(k) Plan

ACCE Plan Statistics 348 ACCE Member Plans 3000 active participants Over 500 inactive participants that chose to leave money in the ACCE plan $174,000,000 in Assets and Growing JP Morgan Retirement Plan Services is our Plan Custodian

ACCE Plans Receive JP Morgan Retirement Plan Services Recordkeeping and fund management Award-winning Call Center Printed quarterly statements to all participants Online participant account management- click here to see demo: http://retireonlinedemo.officeacce.org  Online investment planning tools (Financial Engines demo within demo in link above) Compliance testing Tax form 5500 preparation Plan Sponsor online tools- click here to see demo: http://sponsorportaldemo.officeacce.org

Five participant touchpoints ACCE Participants Print Electronic Phones — VRU Phones — Representative Face-to-Face Cultivate a long-term relationship over all touch points Print- cards sent out 4 times per year Phones coached to incorporate that Face to Face education critical Let’s meet the education team as they use some of the products of our plan sponsors Postcards Newsletters Kits Brochures Worksheets Guides Participant Web site eMessaging Videos Webcasts Video conferences Flash CD-ROM Internet Specialist Information Transactions Information Guidance Education Transactions Senior Plan Specialist Enrollment meetings or Webcasts Education meetings or Webcasts Assigned Education Consultant

ACCE Staff works for the Chamber Retirement Administrator Answer all administrative questions Create adoption agreement to reflect chamber’s plan choice Provide summary plans descriptions to all participants Support audits Provide online application for updating and submitting participant and contribution data to JP Morgan Send funds to JP Morgan Train administrators on Plan Sponsor Portal

All Plans Come with Fiduciary Liability Rule of Loyalty – A fiduciary must act solely in the interest of plan participants and their beneficiaries. Rule of Prudence – A fiduciary must act with the skill, care and diligence that a reasonable person familiar with such matters would exercise. Hiring an expert is required if the fiduciary lacks sufficient knowledge. Rules of Diversification – A fiduciary must diversify the investment of plan assets to minimize loss. Rule of Compliance – A fiduciary must follow the terms of the written plan document to the extent it is consistent with ERISA.

ACCE Provides Five Layers of Fiduciary Support Experienced ACCE staff guiding you Compliance counsel Trustees – 8 Peers who share your fiduciary responsibility Independent fund consultants: HR Investment Consultants Financial Engines – The best on-line decision-making tool

In Summary: ACCE Benefits Trust Gives Members More Resources of a huge international corporation, but the caring connection of a member relationship Built by & for chambers –oversight by chamber leaders IRS & DOL Support -- ADP testing, 5500s, audit support Access to records -- data, paper (& memory) via one call Hand-holding through process changes EGTRRA filings, plan design updates, contribution submissions Personal service to access key reports – forfeiture, loan, vesting and other critical plan administrator reports Participant online tools and call center Portability - within both chamber & Economic Development worlds