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Administrative Review

&

Planning Meeting

November 24, 2009

Cheryl Simoncelli

Account Executive

847-346-6752

[email protected]

Solutions Inc.

401(k) Plan

mailto:[email protected]

mailto:[email protected]



2

Agenda

• Plan Summary

• Administrative Update

• Upcoming Events 2010

• Participant Education



3

Thank You

We appreciate your business and strive to meet all of yourretirement plan needs

We look forward to meeting your ongoing needs and continuing inour role as your provider of choice

Your satisfaction is my top priority!



4

Ongoing Plan Administration



5

Plan Summary

Participants Amount

Total Plan 9,386 $ 198,298,877.91

– Employees 6,128 $ 196,510,867.26

– Deferred* 3,258 $ 1,788,010.65

Assets by Classification:

– Equity = 42.22%

– Bond = 8.87%

– Cash = 10.48%

– Company Stock = 36.47%

– Loans = 1.97%

Participation Rate 85.39%

– Eligible Participants 7,048

– Contributing 6,018

Snapshot as of 10/31/09

*Deferred includes retirees and other terminated employees and their beneficiaries.

8.87%

10.48%

36.47%

1.97%

42.22%

Equity

Bond

CashCompany Stock

Loans



6

Plan Summary

Asset Allocation as of 10/31/09

Investment Balance Amount Percent of Total Participants

Mid Cap Income & Growth $17,560,041.06 8.86% 1,394

Real Estate $6,649,729.26 3.35% 1,108

Strategic Alloc-Aggressive $7,047,437.84 3.55% 1,138

Strategic Alloc-Conservative

$1,962,390.63 .99% 480

Strategic Alloc-Moderate $31,069,937.62 15.67% 8,173

LC Growth $6,870,091.82 3.46% 994

LC Value $6,266,904.49 3.16% 850

LC International $12,790,350.90 6.45% 1,382

Core Bond $5,970,725.26 3.01% 970Stable Value $17,021,919.01 8.58% 964

Small Cap Core $8,874,632.78 4.48% 1,176

Company Stock $72,311,425.82 36.47% 2,456

Loan $3,904,384.34 1.97% 425

Total $198,299,970.83 100%



7

Number of Funds per Participant

139 92 61 75 35

1,469

5,568

546

512 417 277193

0

2,000

4,000

6,000

1 2 3 4 5 6 7 8 9 10 11 12

Funds

Participants

As of 10/31/09



8

Number of Funds per Participant

3612832420 23

88

5,293

9

3418

0

2,000

4,000

6,000

I n c o m

e & G r o w t h

R

e a l E

s t a t e

S t r a t A

g g r e s s i v e

S t r a t C o

n s e r v a t i v e

S t r a t M

o d e r a t e

L a r g e C

a p G r o w t h

L a r g e

C a p V a

l u e

I n t e r n a t i o n a l

L C G r o w t h

B o n d

S t a b l e V

a l u e

S m a l l

C a p

C o m p

a n y S t o c k

Funds

Participants

Funds the single-fund participants are invested in as of 10/31/09

Strategic Allocation Moderate is the Default Fund for the Solutions Inc. Plan



9

Participation

Participants by Employee Contribution Percentage as of 10/31/09

70

4,017

109

87

747

22590

6814

240

5 28 10 9 7736 6 9 252 2 4 4 1 26

4 13

1 13 2 2 2 5 12 1 11 1 1 1 1 3 5 2 18

0

1,000

2,000

3,000

4,000

5,000

1 % 2 % 3 % 4 % 5 % 6 % 7 % 8 % 9 % 1 0 % 1 1 %

1 2 % 1 3 %

1 4 % 1 5 %

1 6 % 1 7 %

1 8 % 1 9 %

2 0 % 2 1 %

2 2 % 2 3 %

2 4 % 2 5 %

2 6 % 2 7 %

2 8 % 2 9 %

3 0 % 3 1 %

3 2 % 3 3 %

3 5 % 3 8 %

4 0 % 4 6 %

5 0 % 5 5 %

5 6 % 5 8 %

6 5 % 7 0 %

7 5 % 9 0 %

. . .



10

Call Center & Website

Total calls to Automatic Voice System = 731

Total calls to representatives = 8,347

Total logins to participant website = 50,326

Unique web users = 7,750

Contacts 1/1/2009 – 10/31/2009

731

8,347

50,326

0

10,000

20,000

30,000

40,000

50,000

60,000

AVS Reps We b



11

Participation

66.67%

81.82%86.09%

84.90%84.17%

89.97%

0%

10%

20%

30%

40%

50%

60%

70%

80%

90%

100%

20-29 30 - 39 40 - 49 50 - 59 60 - 69 70 +

Participation by Age as of 10/31/2009



12

Administrative Update



13

Industry problem

People do not understand their role and whatthey need to achieve the retirement of their dreams.

People do not participate in their employer’ssavings plan and if so, they do not save enough.

People do not invest appropriatelygiven their individual time horizons.

People spend their retirement resources prematurely.

KnowKnow

SaveSave

InvestInvest

SpendSpend



15

Moving the Solutions Inc. 401(k) Plan

to Your Plan of a Lifetime…

2010 and beyond….

Auto Enrollment- Increase auto deferral rate

Auto Increase- Implement in July

Fund Changes- add Target Funds

Enhanced education and communicationsstrategy

Recommendations…

Plan Design & Fund Changes 2nd quarter 2010

Education Campaign

Active monitoring of plan performance

Plan Summary/Compliance Scheduled Reviews

Update Investment Policy Statement

Managed Accounts

Administrative & Scope of Services Review

Project management of day to dayoperations by implementing bi-weekly calls

Implement calendar of events

Audit Procedures

Payroll Feed file review



16

The Role of the Retirement Plan Education Specialist

Understand the plan of Solutions Inc.

Understand the importance of preparing for retirement through our Plan of a Lifetime strategies

Understand their 401(k) investment line-up

Understand their options concerning certain plan provisions:

– Rollovers

– Loans

– Distributions

Understand asset allocation and the importance of a diversified portfolio

Set up and update their 401(k) account online

Understand communications for plan design, fund changes and regulatory mandates

On Track Participant Reporting

The Retirement Plan Education Specialist helps participants to:

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