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

2. 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

3. 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:
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:

4. 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

5. 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

6. 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.

7. 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

8. ACCE Fund Lineup Stock Lifestyle Capital Preservation
ACI International Growth
ACI Vista
JPMorgan U.S. Small Company
ACI Heritage
ACI Small Cap Value
ACI Ultra
ACI Equity Growth
ACI Vista
Return potential
ACI Income and Growth
ACI Ultra
ACI Strategic Allocation Agg
ACI Equity Growth
ACI Income and Growth
ACI Value
Strategic Allocation: Aggressive
ACI Diversified Bond
Let’s say you’ve determined that you should have 75% of your portfolio devoted to stock funds. Should you put all 75% in one fund? Probably not. If you had $100,000 in your retirement plan, you would be exposing $75,000 to the performance of one fund. Our next step is to help you select the funds within your stock, bond, and capital preservation classes.
This chart shows the mutual funds available to you. Notice that the chart shows the potential for risk and reward. As we move up the list of funds, they go from most conservative to most aggressive.
Before we do this, let’s discuss briefly some terminology about the types of funds in your lineup:
GROWTH – Growth fund managers seek stocks of companies that have strong prospects for growth in sales, profits or both. Fund managers may be willing to pay a premium for stocks with the greatest growth potential.
VALUE – Value fund managers seek stocks of companies with a history of past profits but which currently aren’t in the investment limelight. They believe the stocks are undervalued and selling at bargain prices.
BLEND - Fund contains a mix of both growth and value companies.
CAPITALIZATION - (“Cap”) Refers to the market value of the companies within a stock fund. Calculated by multiplying the company’s stock price by the number of shares outstanding.
Small Cap funds target companies with a cap of approximately $2 billion or less
Mid Cap funds target companies with a cap of approximately $2 billion to $9 billion
Large Cap funds target companies with a cap of approximately $9 billion or more
Strategic Allocation: Moderate
ACI GNMA
Strategic Allocation: Conservative
ACI Short-Term Government
ACCE Stable Value
ACI Capital Preservation
Potential risk or volatility
The position of the various funds on the chart does not reflect an absolute relation of the funds, but only their expected relative ranking over the long term. Shown for illustrative purposes only. Past performance is no guarantee of future results. Please refer to the disclosures on the Investment lineup form.

9. 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