1. Click to edit Master subtitle style Retirement Plan Participation Analysis For Plan Sponsor Use Only July 2011

2. Executive Summary

3. Overview of Findings

4. Click to edit the outline text format Second Outline Level  Third Outline Level Fourth Outline Level  Fifth Outline Level  Sixth Outline Level  Seventh Outline Level  Eighth Outline Level  Ninth Outline LevelClick to edit Master text styles  Second level  Third level  Fourth level » Fifth level Analysis of Plan Contributions

5. Contributions by Age

6. Click to edit the outline text format Second Outline Level  Third Outline Level Fourth Outline Level  Fifth Outline Level  Sixth Outline Level  Seventh Outline Level  Eighth Outline Level  Ninth Outline LevelClick to edit Master text styles  Second level  Third level  Fourth level » Fifth level Click to edit the outline text format Second Outline Level  Third Outline Level Fourth Outline Level  Fifth Outline Level  Sixth Outline Level  Seventh Outline Level  Eighth Outline Level  Ninth Outline LevelClick to edit Master text styles  Second level  Third level  Fourth level » Fifth level Click to edit the outline text format Second Outline Level  Third Outline Level Fourth Outline Level  Fifth Outline Level  Sixth Outline Level  Seventh Outline Level  Eighth Outline Level  Ninth Outline LevelClick to edit Master text styles  Second level  Third level  Fourth level » Fifth level Participation Analysis

7. Non-Participant Summary

8. Click to edit the outline text format Second Outline Level  Third Outline Level Fourth Outline Level  Fifth Outline Level  Sixth Outline Level  Seventh Outline Level  Eighth Outline Level  Ninth Outline LevelClick to edit Master text styles  Second level  Third level  Fourth level » Fifth level Click to edit the outline text format Second Outline Level  Third Outline Level Fourth Outline Level  Fifth Outline Level  Sixth Outline Level  Seventh Outline Level  Eighth Outline Level  Ninth Outline LevelClick to edit Master text styles  Second level  Third level  Fourth level » Fifth level Click to edit the outline text format Second Outline Level  Third Outline Level Fourth Outline Level  Fifth Outline Level  Sixth Outline Level  Seventh Outline Level  Eighth Outline Level  Ninth Outline LevelClick to edit Master text styles  Second level  Third level  Fourth level » Fifth level Participation Analysis Match Eligible Group only

9. Non-Participant Summary Match Eligible Group only

10. Average Balance Balances effective May 16, 2011 5 EEs Average Balances are the highest among employees age 45 – 74 and peaks among employees between the ages of 70 - 74. Average Balances are the highest among employees with salaries of $60,000 and above and peaks among employees with salaries above $150,000.

11. Tenure Analysis Dollar figures represent average contributions

12. Average Account Balance

13. Marital Status

14. Gender Analysis

15. TOP 15 Departments

16. Results of Analysis – 23.7% of current participants are under the 4% contribution rate. – Peak participation among the match eligible group is older (45 versus 40) with salaries between $50 to $59,000. – Peak opportunity among non-participants in the match eligible group are between 35 and 64 with salaries above $70,000. – Average account balance by tenure and age indicate smaller account balances in the 30 – 39 years of service group among older employees (ages 60 to 69). – Contribution rates drop off by 2.7% between the 11 to 15 and the 15+ year group. Contribution rates increase by 58% between < 2 years and the 2 to 4 year group.

17. Metropolitan Life Insurance Company (MLIC), New York, NY 10166. Securities products are offered through MetLife Securities, Inc. (MSI) (member FINRA/SIPC), 1095 Avenue of the Americas, New York, NY 10036. MLIC and MSI are MetLife companies. MLR19000544252 L0811204203[exp0812][All States][DC]