Adding value to your benefits offeringAdding value to your benefits offering Massachusetts Mutual...

Adding value to your benefits offering

Massachusetts Mutual Life Insurance Companyand affiliates, Springfield, MA 01111-0001

www.massmutual.com

Massachusetts Mutual Life Insurance Company and affiliates1295 State Street, Springfield, MA 01111-0001


www.massmutual.com



www.massmutual.com


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Retirement Strategies

Retail Association of Maine

You’ve already taken an important first step. By managing your benefits through Retail Association of Maine 401(k) plan, you have demonstrated that you are committed to delivering a robust benefits package to your employees while maintaining focus on growing your business. In addition to your core business solutions, you need a strong 401(k) offering to round out your value-added employee benefits services.

Contents 2 | The value of adopting the Retail Association of Maine 2 | A low-cost solution 2 | Streamlined plan management 2 | Focus on plan health 4 | Smooth installation 4 | Flexible plan design 4 | Variety of investment options 5 | Next steps

Retail Association of Maine 401(k) plan, working with MassMutual, offers a comprehensive retirement plan solution for smaller businesses that offers simple implementation and administration at low cost to you. Retail Association of Maine 401(k) plan enables you to offer a high-quality retirement benefit that relieves the administrative burden you may be facing if you’re managing a plan on your own today. It can also minimize your fiduciary responsibilities.

Perhaps most importantly, the plan can help you not only attract and retain quality employees, but will encourage these employees to make good decisions today that will move them closer to their retirement goals tomorrow.

1

The value of adopting the Retail Association of Maine

The plan offers:• Alow-costsolutiontoenhanceyourbenefitspackage

• Streamlinedplanmanagementwithfeaturesand

servicestypicallyavailableonlytolargercompanies

• Adedicationtoplanhealth,poweredby

targetedcommunicationsandeducation

• Acomprehensivevarietyofinvestmentoptions

• Flexibleplandesignoptions

• Aseamlessinstallationprocess

MassMutual'scommitmenttotheMultipleEmployer

Plan(MEP)industrystemsfrommanyyearsofexperience,

whichhasenabledustodesignaplanthatachieves

theseobjectives.

A low-cost solutionIfyouaremanagingaplanonyourowntoday,thenyou're

probablyusedtopayingforbasicplanservices,such

asannualaudits,Form5500preparationandfiling,and

non-discriminationtesting.Thesecostsareincludedinthe

overallpricingoftheRetailAssociationofMaine.Overall

costmaybeloweraswell,sinceyoubenefitfrombeingpart

ofamuchlargerplan.

Ifyoudonotmanageyourownplantoday,considerthis:

ThroughRetailAssociationofMaine401(k)plan,youmay

beabletoadoptthe401(k)Planwithoutaddingtothecost

thatyoualreadypayforyourbenefitsadministration.

Streamlined plan managementYoucanfocusonyourotherbusinesspriorities,knowing

thatknowledgeableretirementprofessionalshandlethedaily

operationsofyourplan.

TheTotalRetirementCenter

(TRC),MassMutual’ssecure

plan sponsor website,provides

timelyaccesstoinformation

and theabilitytoinitiateplan

transactionsquicklyandeasily.

TheTRC delivers:

• Easytransfersof

contributionanddemographicdata

• Investmentperformanceinformation

• Financial,participant,loanandotherreporting

• Completeloanadministration

• Detailedplaninformationandeventsummary

• Industryandcomplianceupdates/alerts

Weoffercomplianceservices,suchastesting,required

minimumdistributionreporting,merger/acquisition

assistance,andmore.

Dedication to plan health

For you:MassMutual Plansmart℠ Analysis Tool

Providedwehavetheproper

data,thePlanSmartAnalysis

tool providesaconsolidated

viewof yourentireplan.

With incomereplacementratiosas a keymetric,thereport

showsyouthepercentageofemployeesthatison-trackfor

asuccessfulretirement.And,mostimportantly,thereport

willhelpyoudeveloptheactionsneededtohelpagreater

percentageofthoseemployeesachieveacomfortablelevel

ofmonthlyincomewhentheyretire.

Usingthelatesttechnology,PlanSmartanalyzesyour

planandprovidescriticalestimatesonhowmanyofyour

employeeshaveagoodchancetoreplaceatleastacertain

amountoftheirincomeinretirement.Withmorerigorous

dataanalysis,yourorganizationcanmakebetterdecisions,

implementmoreeffectivestrategiesand,ultimately,find

clearerpathstoachievingplanhealthandgreatersuccessfor

yourparticipants.

Express Solutions PortfoliosPlanTrack Report for:

Participant Data as of: 12/31/2008

* Percent of participants on track to retire by age 67 and replace at least 75% of income during retirement. See page seven for assumptions.

with Suggested Strategy

with Current Strategy

PERCENT OF PARTICIPANTS ON TRACK FOR RETIREMENT

The bar chart below compares the percentage of plan participants that are on track with their current strategies versus the percentage that could be on track if they adopt the suggested strategies. *

Under 0% 0% 0 - 1% 1 - 2% 2 - 3% 3 - 4% 4 - 5% 5 - 6% 6 - 7% 7 - 8% 8 - 9% 9 - 10% Over 10%

Change in Savings Rate (as percent of salary)

0%

10%

20%

30%

40%

50%

60%

Per

cent

of

Par

ticip

ants

with

Sav

ings

Cha

nge

Sug

gest

ion

17% 17%

50%

17%

The On Track Analysis determines whether a participant's current strategy (savings rate and investment allocation) is "on track" for retirement success and, if necessary, suggests an alternate savings and investment strategy to help each participant to get on track.This report provides aggregate plan statistics to help plan sponsors assess overall retirement readiness and action steps across plan participants.

ON-TRACK ANALYSIS

DISTRIBUTION OF SAVINGS CHANGE SUGGESTIONS

This chart illustrates the range of savings rate change suggestions generated across plan participants. Eligible participants who are not actively contributing are assigned a 0% current savings rate.

DISTRIBUTION OF INVESTMENT SUGGESTIONS

This chart examines the investment portfolio suggestions generated across plan participants.

0%

10%

20%

30%

40%

50%

60%

Per

cent

of P

artic

ipan

ts w

ith In

vest

men

t S

ugge

stio

n 50%

33%

17%

Express Short Term

Express Ultra-Aggresive

Express Conservative Express Moderate Express Aggresive

67 %

17 %

© 2010, Klein Decisions, Inc. Page 2 of 8

Stable Value Fixed Income Asset Allocation/Lifestyle

Asset Allocation/Lifecycle Large Cap Equity Multi Cap Equity

Mid Cap Equity Small Cap Equity Intl/Global Equity

Your Plan’s Asset Allocation by Age

Sample Income Sample 2050Sample 2040Sample 2030Sample 2020

Age 60 and over

41 Participants

Age 50-59 Age 40-49 Age 30-39 Under Age 30

120 Participants 64 Participants 24 Participants 11 Participants

Asset Category:

Diversification by Age as of December 31, 2009

Sample Professionally Managed Age-Based Portfolios*

*Sample allocations provided by Morningstar Associates, LLC, a registered investment advisor and a subsidiary of Morningstar Inc. Morningstar Associates is not itself a FINRA member firm.

RS-08365-02 1234-1 ABC Company Retirement Plan

2

For your participants:MassMutual Retiresmart℠ Experience

RetireSmartisapowerful

blend of communicationsand

tools designedtocomplementthenaturaltendencies,

attitudesandpreferencesofparticipants.Usinga

combinationofpersonalized,relevantmessages,avari-

ety of mediachannelsanduniquetiming,ourRetireSmart

communicationsplatformappliesbehaviorallessonstoeach

touchpointofanemployee’sjourneytoward retirement.

Whenintelligentplandesign

iscombinedwithinteractive

communicationsuchasour

highlysuccessfule4 education

workshopsandtheRetireSmart

Readytool,participantoutcomesimprove.TheRetireSmart

Readytoolprovidesparticipantswithasimplewaytocheck

theirlikelihoodof havingenoughincomeinretirementand

alsoincludesguidanceandadvice components.*

TheparticipantcampaignsportionofRetireSmartisa

value-addedserviceforallofourretirementplansponsors.

Inadditiontoencouragingparticipantstotakeaction

Standard MEP Services•Track historical employee status

•Eligibility determination

•Mail enrollment packages

•Enrollment/automatic enrollment

•Salary deferral changes/automatic deferral increase

•Contribution limit monitoring

•Loan monitoring

•Hardship withdrawal suspension monitoring

•Process distributions and Qualified Domestic Relations Orders (QDROs)

•Investment line-up changes

•Direct mail to participants

•Electronic/paperless loans

•Installments/payments

•Beneficiary changes

•Hardship approval services

•e4 education services

•Terminations

•Re-instatements

•Vesting calculations

•Gap statements

ERISA Advisory Services•Compliance – Information on

plan sponsor website

•Consulting – Plan design, investment policy statements, document preparation

•Testing – General 416, 415, 410(b), defined contribution Actual Deferral Percentage/Actual Contribution Percentage, 402(g), plan limit, 401(a)(4)

•Reporting – Form 5500, transitional 5500, auditors package, discretionary year end calculations, outstanding regulatory contribution funding reporting

•Form 5330 preparation

•Regulatory participant notice service

On-Boarding•Prior plan review

•Contact with prior record keeper

•Schedule asset transfer

•New business mailings – Transition booklets, auto-enrollment notification, summary plan descrip-tions, safe harbor notifications, Pension Protection Act (PPA) mailing (Qualified Default Investment Alternatives [QDIA])

Services included:

3

* Guidance and advice services are provided by a third party not affiliated with MassMutual

A comprehensive variety of investment options

Smooth installationIfyoumanageyourownplantoday,youcanrestassured

thatplaninstallationwillbeseamlesstoyourparticipants.

WorkingwithMassMutual,wetakecareoftheparticipant

notificationsandbydoingso,hopetogenerateinterestand

excitementintheplan.Wewillconducteducationsessions

foryourparticipantsandofferassistancewiththeenrollment

process.Mostimportantly,ourseasonedanddedicatedtran-

sitionteamwillensuretheshortestpossibleblackoutperiod

foryouandyourparticipants.

Flexible plan design options

AsanemployerchoosingtoparticipateinthePlan,youwill

havetheabilitytocustomizespecificfeaturesofthePlanto

bestalignwithyourretirementplangoals.

Investment Option Name Ticker

Retail Association of Maine

© 2011 Massachusetts Mutual Life Insurance Company, Springfield, MA 01111. All rights reserved. www.massmutual.com MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) [of which Retirement Services is a division] and its affiliated companies and sales representatives.

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Flexyoursavingmuscles!

MassMutual Retirement ServicesPO Box 219062, Kansas City, MO 64121-9062

FOR ADDITIONAL INFORMATIONPLEASE CONTACT THE US POSTAL SERVICEREPRESENTATIVE BELOW:

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MASSMUTUAL RETIREMENT SERVICESPO BOX 219062KANSAS CITY MO 64121-7306

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© 2011 Massachusetts Mutual Life Insurance Company, Springfield, MA 01111. All rights reserved. www.massmutual.com MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) [of which Retirement Services is a division] and its affiliated companies and sales representatives.

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BUSINESS REPLY MAIL

USPS BRM Template #9 Envelope 3-7/8" x 8-7/8"

Working LayerJanuary 2001 Platform: Macintosh Application: Adobe Illustrator File Name: bm9.ai

POSTAGE WILL BE PAID BY ADDRESSEE

NO POSTAGENECESSARY

IF MAILEDIN THE

UNITED STATES

FIRST CLASS MAIL PERMIT NO. 14199 KANSAS CITY, MO

MASSMUTUAL RETIREMENT SERVICESPO BOX 219062KANSAS CITY MO 64121-7306

4

towardsretirementreadiness,thesecampaignsalsoserveas

aremindertoparticipantsofthevaluablebenefitprogram

offeredbytheirorganization.Theadvantageforplanspon-

sorsisthat MassMutualdoesallthework.Plansponsors

donotneedtodoanythingtoinitiatethecampaignsand

canopt-out oftheprogramatanytime.Ifaplaniseligible

foraparticularcampaign,participantswhomeetthedata

andprofilerequirementswillautomaticallybeincludedin

the campaigndistribution.

Investors should consider an investment’s objectives, risks, charges and expenses carefully before investing. For this and other information, see the prospectus available by calling 1-800-309-3539. Read it carefully before investing.

PremierInflation-ProtBondA MPSAX

SelectPIMCOTotalReturnA MSPGX

PremierHighYieldA MPHAX

OppenheimerDevelopingMarketsA ODMAX

RetireSMART2010A MRXAX

RetireSMART2020A MRTAX

RetireSMART2030A MRYAX

RetireSMART2040A MRFAX

RetireSMART2050A MMARX

RetireSMARTInRetirementA MRDAX

SelectFundamentalValueY MFUYX

SelectIndexedEquityS MMIEX

PremierDisciplinedGrthA MPGAX

ColumbiaMidCapIndexA NTIAX

JPMorganMidCapValueA JAMCX

SelectMidCapGrEqIIY MEFYX

ColumbiaSmallCapIndexA NMSAX

AmericanFundsEuroPacificGrR3 RERCX

FranklinStrategicIncome FRSTX

MFSTotalReturnR3 MDFHX

TempletonGlobalBond TPINX

NorthernBondIndex NOBOX

NorthernInternationalEquityIndex NOINX

CapitalPreservationAccount n/a

401(k) Plan information

Section 1 – Current plan information & requested service(s)

1. Does the Company currently sponsor a qualified plan? If Yes, Estimated assets ____________________ Estimated participants ____________________

Yes No

2. Who is your current plan’s recordkeeper and/or investment manager? __________________________________________________________________________

3. Does the Company currently sponsor a plan with a Roth 401(k) feature? Yes No

4. Does the Company currently sponsor a plan with a New Comparability feature? Yes No

5. Is the Company currently participating in a multiple employer plan? Yes No

6. Does the Company sponsor a SIMPLE 401(k) or SIMPLE IRA? Yes No

7. Does the Company have an existing frozen plan, or has the Company terminated a 401(k) plan in the last 12-months?

Yes No

8. Does the Company currently sponsor a Safe Harbor Plan? Yes No

9. If the Company sponsors a plan, are they using Automatic Enrollment of participants? Yes No

10. Is the company a subsidiary of another company? Yes No

11. Would you like to learn more about a multiple-employer plan offering sponsored by Retail Association of Maine 401(k) plan?

Yes No

Type of corporation:

Corp S Corp Limited Liability Company (LLC) Sole proprietor Non Profit

Company contact for 401(k) plan purposes if other than the Owner/Officer contact listed above.

Contact name: _____________________________________________________________________________________

E-mail address: ____________________________________________________________________________________

Telephone: ( ) _________________________________________________________________________________

Let's start the conversation.

Contact John Heise at (603) 581-7125 and/or email [email protected] to learn more. Or, fill out the attached survey and return it to John at [email protected] to begin.

5

401(k) Survey

Retail Association of Maine 401(k) plan

Prospect’s legal business name _____________________________________________________________________________

DBA ________________________________________________________________________________________________

Owner/Officer contact _______________________________________ Title _____________________________________

Phone number _____________________________________________ Fax number ________________________________

Email address _________________________________________________________________________________________

() ()

RS3845_Curtis 812 C:22028-00

© 2012 Massachusetts Mutual Life Insurance Company, Springfield, MA 01111-0001. All rights reserved. www.massmutual.com. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) [of which Retirement Services is a division] and its affiliated companies and sales representatives.

Adding value to your benefits offeringAdding value to your benefits offering Massachusetts Mutual...

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