1. Using Plan Design to become Retirement Ready Tommy Horst thorst@erisaservices.com (865) 966-1225 (office) (865) 256-8905 (cell) www.erisaservices.com

2. What about you?  Are you Retirement Ready?  What percentage of your employees are Retirement Ready?  Does it matter?

3. ERISA Services, Inc.  Why we do what we do?  How we do what we do?  What do we do?

4. Begin at the End  What is “the End”?  What do you want to accomplish?  Where are you going?  What’s important?  What do you want to achieve?

5. Begin at the End  We must first have a goal!  We must first know what is important!  We must first decide what future things are Non-Negotiable!  Are you ready?

6. Begin at the End  You must have a Plan to achieve your Goal!  You must have a strategy to achieve your Plan!  How do we help our employees get there?  Do they need your help???? YES

7. Strategies for your 401(k) Plan  Automatic Enrollment  Automatic Escalation  Stretch Match  Metric Based Match  Fixed Dollar Match

8. Automatic Enrollment  Why do it?  At what percentage?  What are the benefits?  Potential downsides?

9. Automatic Escalation  Why do it?  How high do you go?  What are the benefits?  Potential downsides?

10. Stretch Match  What is it?  Why do it?  What are some potential formulas?  What are the benefits?  Potential downsides?

11. Metric Based Match Formulas  What is it?  Why do it?  What are some potential formulas or ideas?  What are the benefits?

12. Fixed Match  What is it?  Why do it?  What are some potential formulas?  What are the benefits?

13. Let’s change East Tennessee for the better!

14. Questions?

15. Dale Horst dhorst@erisaservices.com (865) 966-1225 (office) (865) 256-8725 (cell) Tommy Horst thorst@erisaservices.com (865) 966-1225 (office) (865) 256-8905 (cell) Justin Bell jbell@erisaservices.com (865) 966-1225 (office) (865) 748-9363 (cell)