Independent Guide, Trusted Partner Reducing Your Liability While Optimizing Your Plan

Independent Guide, Trusted Partner We empower plan sponsors to make the most of their employee retirement plans so that employees can retire successfully. Let us show you how…

Concerns We Often Here… Too many regulations to understand Aging workforce ill-prepared to retire Lack of investment/marketplace expertise Increased fiduciary liability Constrained budgets

Meeting Those Needs Benchmark plan fees Reduce fiduciary liability Implement committee best practices Evaluate vendor services in the marketplace Optimize plan design for participant success Replace unsuitable investment options Reduce plan costs Improve retirement outcomes for employees while fulfilling fiduciary requirements

Through Measurable Processes Charter Investment Policy Statement Regulatory Updates Meeting Minutes 404(c) Review 408(b)(2) Audit Vendor Search Plan Fee Benchmarking Investment Recommendations Share Class Analysis Plan Design Optimization Replacement Ratios Participant Advice Fiduciary Governance Benchmarking Retirement Readiness …as a contractual fiduciary to your plan.

Making it a Reality Overview of Castle Rock Investment Company How we serve our clients Process highlights Addressing your needs

Overview of Castle Rock Investment Company Independent registered investment adviser located in Castle Rock, CO specializing in qualified workplace retirement plans including 401(a), 401(k), 403(b), 457, profit sharing, employee stock ownership, and defined benefit plans. Registered in Colorado, Nebraska, and Texas Currently serving clients in: Manufacturing, Banking, Warehousing, and Governmental As a 3(21) and 3(38) ERISA fiduciary Founded April 2006 Woman-owned business

Comprehensive Services for Qualified Plans Fiduciary Governance Fiduciary Governance Plan Design Charter Design Analysis Investment Policy Statement Retirement income adequacy studies Meeting Minutes Compliance assistance Investment Consulting Vendor Management Fund menu design Annual fee and service reviews Investment monitoring Provider search/selection Replacement recommendations Conversion/transition assistance Investment Consulting Plan Design Vendor Management

Participant Services Educational webinars See sample of recorded webinars under “Education” at www.CastleRockInvesting.com One-on-one investment advice Access to institutionally priced annuity marketplace, Income Solutions® More information can be found under “Guaranteed Income” at www.CastleRockInvesting.com

Service Team Michele L. Suriano QPFC, TGPC, AIF® Founder/President 18 years in financial services 10 years advising retirement plans Volunteer Work: Board of Directors, The Legal Center Board of Directors, Western Pension & Benefits Conference Crew Leader, Keepers of the Rock Molly Vogt Noyes PRP, AIF® Consultant 16 years of experience advising qualified retirement plans Volunteer Work: Board of Directors, Colorado Republican Business Coalition Junior League of Denver Kristen Sanchez Communications Director 12 years experience in marketing and communications Volunteer Work: Board of Trustees, The Christian Foundation Douglas County School Accountability Committee Member

Investment Consulting Process Recommend asset classes appropriate to employee demographics Design investment menu Select investment managers Monitor investments using quantifiable fiduciary scoring process

Plan Fee Benchmarking Gather and review current fees and services to fulfill 408(b)(2) Benchmark to similar plans to determine reasonableness

Retirement Income Adequacy

Plan Design Optimization Review effectiveness of current plan design versus alternatives

Plan Design Optimization

Vendor Search Service As technologies change, and as plan sponsors seek to shift additional responsibilities to external vendors, the complexity of the assignment increases. In selecting providers for the plan, each vendor’s fees, capabilities and experience must be assessed in each of several key areas, including: Administrative, recordkeeping, compliance and trust service capabilities; Access to high quality funds; Ability to insulate you and your company from fiduciary liability; and Employee communications and investment education capabilities.

Vendor Search Process Castle Rock Investment Company has built a vendor search process that is based on the sponsor’s objectives and facilitates evaluating the results. The required path toward compliance and managing fiduciary liability demands is paved with written documentation of the decision making process and of the objective criteria used for all evaluations (both initial and ongoing) of products, vendors, and service providers.

Fiduciary Services Castle Rock Investment Company brings to you knowledge of the market, expert analysis of products and investments, a successful track record and an unbiased perspective. Gather, review and analyze alternative 401(k) vendors and benchmark your existing plan vendor against the competition. Review plan costs so you know exactly what you are paying and how your plan costs compare to the market and to best practices. Measure the retirement readiness of your employees and make outcome based decisions regarding your plan.

Independent Guide, Trusted Partner We hope we have shown you the difference: Our independence is key to remain conflict free. Our role as a fiduciary on your plan ensures we are a partner and guide to improving outcomes for your retirement plan. We would welcome the opportunity to work with you.

Questions & Answers Castle Rock Investment Company Michele L. Suriano The Courtyard at Castle Rock 333 Perry Street, Suite 208 Castle Rock, CO 80104 Michele L. Suriano 303.725.7086 MSuriano@CastleRockInvesting.com Molly Vogt Noyes 303.249.1355 Molly@CastleRockInvesting.com