Innovative Ways to HelpYour Employees BecomeRetirement Ready

Innovative Ways to Help Your Employees Become Retirement Ready FOR PLAN SPONSOR USE ONLY. NOT FOR DISTRIBUTION TO THE PUBLIC.

1 Registered representatives of ADP Broker-Dealer, Inc., an affiliate of ADP, LLC, One ADP Blvd., Roseland, NJ. Member FINRA.

2 Requires a limited time access code obtainable by plan sponsors from ADP.

ADP Retirement Services has taken the challenge out of plan administration through our integrated and automated solutions for more than 20 years. But did you also know that we can help your employees become retirement ready?

ADP provides innovative tools and communications that can help your employees get on track toward retirement readiness.

Innovative Education and Planning ToolsThe better your employees understand the benefits of your plan, investment concepts, and their retirement goals, the more likely they will be to participate and get better retirement outcomes. ADP provides extensive support and education to motivate your employees and innovative tools to make it simple for them to get started.

Enrollment at the touch of a button

With ADP, enrollment is as easy as 1, 2, 3. Your employees can enroll on iPads during enrollment meetings (run by our Retirement Counselors1), or at their convenience through their work or home computers.2

Innovative Education

Employees can determine how much they need to save to meet their retirement needs at the touch of a button with our savings gap calculator. This interactive tool features easy to use sliders that allow employees to see the variance different retirement ages, contribution amounts and income replacement levels can make to their retirement readiness.

Employees can click here to launch an educational tool that helps them understand the benefits of enrolling in the plan.

Innovative Ways to Help Your Employees Become Retirement Ready

3 This participant tool is provided for educational purposes only. Income projections and other information generated by the tool are hypothetical in nature, do not reflect actual investments or investment results and are not guarantees of future results. Participants should not rely on the projections as the primary basis for your investment, financial, or tax planning decisions. Please consult your tax advisor or investment professional. ADP cannot guarantee or assure your ability to meet any of your goals or that any hypothetical results actually will occur. The tool simply uses your information and the assumptions selected to provide a rough assessment of the likelihood that your hypothetical results may be achieved.

4 Available for ADP Retirement Services clients that have a dedicated Client Service Manager. The Plan Health Review is intended to serve as an objective guide as your clients evaluate their plans, and is not intended to be, nor should it be construed as, investment, financial, tax, or legal advice, or a recommendation for any particular course of action.

Participants can adjust inputs to explore savings scenarios.

Interactive Retirement Savings Tool Gives Participants ControlOur interactive Retirement Savings Tool3 is integrated into our Participant Website. It provides the participant with his or her projected retirement status based on his or her current contribution rate, annual compensation, and account balance. The calculation uses default values for retirement age, years in retirement, and income replacement percentage. The participant can change these values to see the effect on their retirement savings immediately. Quick tips are available by clicking on the question marks.

Once the participant begins to adjust their monthly contribution, the page will show different text and have a link to the contribution election page. This tool is designed to help participants understand what they can do to improve their retirement outcomes.

Tools to Help Keep Your Plan—and Your Participants—On CourseNot only does ADP provide tools and ideas to help you gauge and enhance participation and overall plan health, but we also provide tools to help your participants assess and improve their retirement readiness. Because we know the key to plan success is keeping your participants motivated.

Plan Health Review4

ADP provides an innovative Plan Health Review that goes beyond a typical plan review to assess the health of your plan by analyzing:

Participant demographic details

Usage information about the plan and its features

Participant statistics

Solutions that can advance your plan and deliver results

These metrics provide a roadmap that helps you make better decisions and implement effective strategies to improve your plan.

ADP ACCESS®

Plan Health Review

ABC CompanyABC Sample 401(k) PlanReport created on 7/10/2013

Data as ofMarch 31, 2013

ADP Retirement Services

Plan Participation Rate: 65.45%Includes all employees eligible to participate in the plan. This information can help identify which employees are using theplan and which are not. A low participation rate may affect your plan's ADP/ACP test results.

Age

<20 0.00%

20 - 29 50.00%

30 - 39 41.67%

40 - 49 69.57%

50 - 59 75.00%

60 - 69 100.00%

>69 0.00%

Compensation

75.86%

75.00%

70.00%

33.33%

33.33%

0.00%

33.33%

Tenure at the Company

100.00%

75.00%

84.21%

51.85%

50.00%

21+

11 - 20

6 - 10

1 - 5

<1 year

20

Expand Assumptions Section to explore additional savings scenarios

FOR PLAN SPONSOR USE ONLY. NOT FOR DISTRIBUTION TO THE PUBLIC.

Exclusive Retirement Paycheck Report Helps Participants Stay on Track5

Much like our online Retirement Savings Tool, our Retirement Paycheck Report provides participants with detailed, personal analysis to encourage action toward a more secure financial future. The report can help your participants:

Determine how much they need to become retirement ready

Identify potential shortfalls based on their current savings rate

Gain access to actionable ideas that may help them close potential gaps

Participants Can Access Their Plan AnywhereOur ADP Mobile app lets participants access their 401(k) account – and much more – wherever they are, right from their mobile phone or tablet. By clicking the retirement icon in the app, participants can check their retirement balance, view account performance, adjust their contribution rate, and even change the allocation of their funds. Changes made from the app are reflected in real time on the retirement plan participant site. The mobile app and desktop versions integrate all your ADP HR services like retirement, payroll, benefits and more, giving employees access to everything from a single dashboard. And this summer, we will introduce mobile alerts to help drive participation and keep employees motivated to save. The free app is available from these App Stores:

5 Available for ADP Retirement Services clients that have a dedicated Client Service Manager. This participant tool is provided for educational purposes only. Income projections and other information generated by the tool are hypothetical in nature, do not reflect actual investments or investment results and are not guarantees of future results. Participants should not rely on the projections as the primary basis for their investment, financial, or tax planning decisions, and should consult their tax advisor or investment professional. ADP cannot guarantee or assure a participant’s ability to meet any of his or her goals or that any hypothetical results actually will occur. The tool simply uses participant information and the assumptions selected to provide a rough assessment of the likelihood that his or her hypothetical results may be achieved.

Innovative Ways to Help Your Employees Become Retirement Ready FOR PLAN SPONSOR USE ONLY. NOT FOR DISTRIBUTION TO THE PUBLIC.

ADP Retirement Services 71 Hanover Road, Florham Park, NJ 07932Please note that only licensed representatives of ADP Broker- Dealer, Inc. (Member FINRA), an affiliate of ADP, LLC, One ADP Blvd, Roseland, NJ, may offer and sell retirement services products and services or speak to retirement plan features and/or investment options available in any ADP retirement product. ADP, LLC and its affiliates (ADP) do not endorse or recommend specific investment companies or products, financial advisors or service providers; engage or compensate any financial advisors to provide advice to plans or participants; offer financial, investment, tax or legal advice or management services; or serve in a fiduciary capacity with respect to retirement plans. Nothing in these materials is intended to be, nor should be construed as, advice or a recommendation for a particular situation or plan. Please consult with your own advisors for such advice. Investment options in the “ADP Direct Products” are available through either ADP Broker-Dealer, Inc., an affiliate of ADP, LLC, One ADP Blvd, Roseland, NJ (Member FINRA) or (in the case of certain collective trusts).

ADP and the ADP logo are registered trademarks of ADP, LLC. ADP – A more human resource. is a service mark of ADP, LLC. All other trademarks and service marks are the property of their respective owners. 99-3279-A-0516 Printed in USA © 2015-2016 ADP, LLC. ALL RIGHTS RESERVED.

Supporting Your Plan Needs, Today and TomorrowADP Retirement Services takes the challenge out of retirement administration. For more than 20 years, we have been innovating and improving to help clients like you create a retirement plan that meets your company’s needs by:

Making retirement plan administration easy to manage. Helping you mitigate fiduciary risk. Delivering long-term value through exceptional service and time-tested

employee education programs.

For more information about how we can help you access a new road to retirement, please contact an ADP Retirement Services District Manager today at 800-432-401k or visit www.adp.com/401k.

Participants Can Download Transaction History to QuickenParticipants who use Quicken personal finance software tool can download their 401(k) plan transaction history to their personal computer from ADP’s Participant Website.

Staying on Top of Technology AdvancesADP is constantly innovating – improving our technology, tools, communications and more to help you and your employees navigate the road toward retirement plan success.

Enhanced Website Makes Account Management Even Easier

Our refreshed site makes it simple for all participants – whether investment-savvy or not – to access the information and tools they need to manage their accounts and track their progress more efficiently. This gives them the ability to make sure they are saving enough for retirement even when they encounter life changes.

Participants click here to launch the Retirement Savings Tool— a retirement savings gap analysis application.