L O C K T O N C O M P A N I E S

Lockton® Retirement Services

April 2015

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EMPLOYEE BENEFITS. RISK MANAGEMENT. DONE DIFFERENTLY.

ENTREPRENEURIAL CULTURE

WE LIVE SERVICE! ®

PRIVATE OWNERSHIPYour needs are Lockton’s first priority. Because our Associates are not distracted by the demands of outside investors and short-term earnings expectations, we have the freedom to do what’s right for our three stakeholders: our clients, our Associates, and our community.

You will get fast answers and timely solutions because our Associates are empowered to make those decisions. Your client management team does not have to wait for the “bureaucracy” to give permission to solve your problem.

Lockton challenges our clients to think differently. Clients value our approach and our passion for client service that is directly responsible for our 96 percent client retention rate.

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OVERVIEW

BY THE NUMBERSLOCKTON

At Lockton, WE LIVE SERVICE!® is more than a catchphrase—it is simply the way we do business. Today, more than ever, that philosophy helps clients in diverse industries grow, acquire, expand, and face new challenges all over the world.

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RETIREMENT SERVICES

Lockton’s Retirement Services provides strategies and solutions to employers sponsoring qualified and nonqualified plans. Our comprehensive services help optimize retirement plans and maximize fiduciary protection, allowing employers to attract and retain employees in a compliant manner.

THE LOCKTONDIFFERENCECOMMITMENT PROCESS-ORIENTEDOur practice is dedicated to plan sponsors and their retirement plans.

Our processes are tailored to meet the fiduciary requirements of plan sponsors.

EXPERTISE FULL DISCLOSUREOur deep bench of specialists ensures the best plan for your employees.

We discuss all fees, revenue, and services up front.

L O C K T O N C O M P A N I E S

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RETIREMENT SERVICESBY THE NUMBERS

NATIONAL RESOURCESCFA

Analysts

Actuaries

ERISA Attorney

s

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FIDUCIARY RISK MANAGEMENT Comprehensive

fiduciary review and fiduciary education

Plan-compliance services

Documentation of all processes and procedures

INVESTMENT CONSULTING Proprietary

investment database

Customized investment analysis

PLAN PROVIDER MANAGEMENT Independent-

provider database Service-fee

benchmarking and negotiation

Provider-search and plan-conversion consulting

Vendor optimization

RETIREMENT SERVICES

Powered by our proprietary systems tomeasure fiduciary risk, Lockton Matrix®,and evaluate investments, LockSMART®.

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RETIREMENT SERVICES

Select the investment menu when considering the investment offerings of all plansCreate a mapping strategyIdentify any protected benefits (some benefits cannot be taken away)Negotiate new pricing

ONGOING HELP

On an Annual Basis, Lockton Will:

Quantify and benchmark plan service-provider pricing

Conduct a Lockton Matrix® review to identify any areas of concern

Benchmark plan features

On a Daily Basis, Lockton Will:

Solve problems

Help resolve issues with your service provider

Help with future acquisitions or mergers

Provide unlimited access to our team

MERGING THE PLAN

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Capabilities

EXECUTIVE BENEFITS

Dependability Expertise

Highly specialized benefits, insurance, financial, and advisory services

Clients include Fortune 1000 corporations, mature privately held companies, and rapidly growing organizations

Nonqualified retirement plans Business succession and

continuity strategies Liability funding strategies,

asset management, and administration

Institutional corporate-owned life insurance strategies (COLI)

Supplemental or carve-out life and disability insurance

Corporate key-person insurance and indemnity plans

Split-dollar life insurance techniques and administration

Tax-advantaged wealth transfer and preservation strategies

Plan-design consulting Financial-liability analysis and

alternative-funding techniques analysis

Service-provider analysis, product studies, and negotiations

Plan implementation/conversion management and processing

Participant communication and education

Asset management and due diligence

Plan administration, record keeping, and reporting

Legal and accounting research assistance and consulting

Benchmarking and ongoing plan audit processes

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American Cancer Society

American Diabetes Association

Boys & Girls Club

Children’s Bureau

The Children’s Place

City Team Ministries

Cystic Fibrosis Foundation

Goodwill

Habitat for Humanity

Harvesters Community Food Network

The Help Group

The Humane Society

Lloyd’s Community

Programme

Insurance Industry Charitable Foundation

Junior Achievement

FOCUSED ON MAKING OUR COMMUNITIES BETTER

ORGANIZATIONS WE HAVE BEEN HONORED TO SERVE:

Supporting our communities is more than just a necessity—it’s a privilege. For more than 45 years, Lockton Associates have given back to their local communities, not because we have to, but because we want to. We believe this commitment to social responsibility builds stronger families, better professional relationships, and more committed Associates. In the past year, Lockton contributed more than $4 million in sponsorships and charitable support to numerous organizations around the world. Lockton Associates have added even more support, raising funds and giving countless personal hours for community projects.

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Our MissionTo be the worldwide value and service leader in

insurance brokerage, employee benefits, and risk management

Our GoalTo be the best place to do business and to work

www.lockton.com

© 2015 Lockton, Inc. All rights reserved.Images © 2015 Thinkstock. All rights reserved.