1. University of Northern British Columbia DC Pension Plan AGM Update
Ryan Lang

2. TABLE of contents Plan details Call centre & mysunlife.ca reporting
Plan Financials
Fund asset mix
Number of funds used by members
100% of assets in 1 fund
Asset allocation by age
Call centre & mysunlife.ca reporting
Call centre benchmarking
mySunlife.ca benchmarking
What’s New at Sun Life 2

3. Plan financials 3 PLAN DETAILS Transactions
February 1, 2013 to December 31, 2013
January 1, 2014 to December 31, 2014
+/-
Opening balance
$56,279,029.31
$62,668,278.12
Contributions
$4,347,606.17
$5,462,629.81
25.6%
Lump sums / transfers in
$177,353.99
$87,604.66
Withdrawals
($221,847.38)
($282,879.08)
Deaths / terminations / transfers / annuities
($4,508,905.25)
($2,654,925.32)
+ / -
$6,595,041.28
$6,616,197.37
Closing balance
$71,896,905.56
Average assets per member
$90,823.59
$102,563.35
12.9%
Average contribution per member
$6,300.88
$7,792.62
23.7%
Member count
690
701
Updated-ls 3
PLAN DETAILS

4. Average account balance
– UNBC vs. All Sun Life CLIENTS
Information also included for industry sectors 4

5. National view of average
contributions
Age
Amount
UNBC average contributions
Under 20
$990
$2,352
20-29
$6,400
$4,143
30-39
$8,145
$6,518
40-49
$9,180
$8,071
50-54
$9,545
$9,500
55-59
$9,470
$10,966
60-64
$8,700
$11,957
65+
$7,465
$12,587
UNBC average contributions include plan sponsor and plan member contributions for the DCPP from Jan 1, 2014-Dec 31, 2014.
Average contributions across all ranges is $8,656.
Average combined plan sponsor and plan member contributions 5

6. Fund asset miX
Updated-ls 6
PLAN DETAILS

7. Number of funds used by members
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PLAN DETAILS

8. 100% of assets in one fund
239 members
Updated-ls 8
PLAN DETAILS

9. Asset allocation by age
$2,372
$443,081
$4,863,976
$17,314,267
$32,711,398
$16,561,812
1 mbr
42 mbrs
131 mbrs
218 mbrs
226 mbrs
83 mbrs
Updated-ls 9
PLAN DETAILS

10. Call centre Usage - benchmarking
Updated-ls 10
CALL CENTRE & WEB REPORTING

11. Mysunlife.ca Usage - benchmarking
Updated-ls 11
CALL CENTRE & WEB REPORTING

12. Retirement planner enhancements
Monthly retirement income estimates now available on the Retirement planner:
Retirement income tab provides clearer picture of what members will have to live on at retirement, based on:
The member’s savings and contribution levels
Additional information entered by the member into the tool
Estimates of CPP/QPP and OAS payments
As members change the information in the tool, the results will change on the Retirement income tab
On October 20, a Retirement income tab was added to the Retirement Planner, which provides an estimate of what the plan member’s monthly income will be at retirement. There will still be a Retirement savings tab where they can see their total projected savings at retirement.
The retirement income estimate is based on the savings and contribution levels that are pre-filled in the tool from GLOBAL and any additional information (i.e., Defined Benefit Pension Plan income) that the plan member enters into the tool, as well as estimates of Canadian Pension Plan/Quebec Pension Plan and Old Age Security payments. As they change the information in the tool (e.g., increasing their monthly contributions), the results will change immediately on the Retirement income tab.
Why the change:
Recently proposed guidelines in the U.S. and Canada are recommending that estimates of retirement income be made available to plan members to provide a clearer picture of how their savings will be translated into retirement income. We are also seeing studies in the U.S. that show this kind of information helps motivate plan members to save for their retirement.
With this new research, we believe that providing plan members with a clearer picture of the income they may have in retirement is a benefit to plan members, and will increase engagement with their workplace retirement plan.

13. Savings calculators on mysunlife.ca
Four new “Help me save” calculators are available on mysunlife.ca:
Saving my bonus
Saving my raise
Small amounts equal big savings
Save today for more tomorrow
Designed to encourage plan members to take simple steps now to save for their future.
“Help me save” calculators to be added to mysunlife.ca
On May 27, the Help me save calculators were added to mysunlife.ca, providing plan members another way to access and learn how saving small amounts today can translate into significant savings when they retire. These easy-to-use calculators are designed to encourage plan members to take simple steps now to save for their future.
The calculators include:
Saving my bonus: Members can enter their bonus and years to retirement to see how this amount can grow to form significant additional savings amount at retirement.
Saving my raise: Members can enter expected annual salary increases, current salary and years to retirement to calculate what they will save if these increases are channeled towards retirement savings.
Small amounts equal big savings. Members can enter their weekly expenses for coffee, lunch and parking to calculate what those expenses would represent in retirement savings.
Save today for more tomorrow. Members can enter their age, monthly savings amount and expected retirement age to see what they will end up for retirement savings. 

14. money UP
A new game-inspired approach to retirement education! Helps plan members improve financial knowledge, complete important retirement and investment planning steps

15. VIDEO Reporting as at December 31, 2014

16. THANK YOU Reporting as at December 31, 2014