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Financial Wellness Implementation Plan For Plan Sponsor

A Program to Engage Employees and Improve Financial Wellness | Version One, March 17, 2015 Prepared by Retiremap

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Implementation Plan

Table of Contents

1. What the Program Includes

2. Program Phases

3. Calendar of Events

4. Next Steps

What the Program Includes Retiremaps independent financial wellness program is easy to implement and based on best practices from extensive experience. The Retiremap process, developed with leading behavioral economist Dan Ariely, engages employees around their financial goals, shows them how financially on track they are and then provides them with tools and content to achieve their financial goals. Retiremap also makes it easy for employees to either increase their retirement plan savings rate or enroll in the plan.

The Retiremap program has evolved into a comprehensive solution that provides Plan Sponsor with:

An employer-branded web-based app An employer-branded iPad app in the App Store and Android app in Google Play An employer-branded website with educational articles from the Financial

Planning Association Marketing support, with custom collateral including fliers and desk drop cards Educational quarterly webinars on issues that employees self-identify through the

Retiremap program Educational email campaigns that engage employees and further increase

adoption An employer Performance Report measuring overall usage metrics, retirement

readiness and behavior change 30 minute onsite workshops for up to 20 employees at a time, using Employers

branded iPad app

The Retiremap Team will coordinate with Plan Sponsors Human Resource department and Plan Advisor to ensure the implementation goes smoothly.

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Program Phases The launch date is set for Tuesday, April 7, 2015. Below is the high-level breakdown of how we will implement Retiremap. Phase 1 - Launch Launch and Marketing Overall Financial Wellness Benefit MessagingThe compelling messaging focused on Plan to Achieve Your Financial Goals demonstrates the value of the overall program and its mission of helping employees become financially successful and secure. This includes:

Pre-announcement to employees via e-mail at least 2 weeks in advance to promote the iPad Mini giveaway and to get employees signed up for a 30 minute onsite iPad workshop.

Provide employees an online way to reserve a workshop seat and then send a calendar invite and reminder email and/or text on the day of the event

Design worksite posters with Custom URL. View samples here: http://retiremaphq.com/wp-content/uploads/2015/03/iWorkshop_flyers.pdf

Design desk drop cards Customize the workshop presentation and script

Phase 2 - IntegrationIntegrate the Retiremap Benefit into benefits communications The Human Resource contact will complete the short online questionnaire (just two questions) here:http://retiremaphq.com/new-benefit

Phase 3 - Ongoing EngagementMarketing of tools and services through an ongoing coordinated campaign The Retiremap team will develop fun, engaging campaigns that get employees to take notice and take action. Branded for Plan Sponsor, the Plan to Achieve Your Financial Goals program theme will be included in marketing efforts, as well as a link to the Plan Sponsor branded website.

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The ongoing marketing activities include:

Sending email activation links to all employees who did not attend an iPad workshop

Running email campaigns promoting the monthly Financial Planning Association articles which cover different aspects of personal finance and investing

Based on data that employees identify as their important financial goals, Retiremap will host educational webinars on relevant topics and then post the recorded session on the Plan Sponsor branded website

In communications, encourage sign ups for one-on-one sessions with a Plan Advisor representative, wherever appropriate

The following pages illustrate the Retiremap implementation timeline, as well as how the program is designed to engage and educate employees on an ongoing basis. A special effort will be made to integrate Retiremap with the great services offered by Plan Advisor, so that employees can receive the maximum impact from the program.

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Calendar of Events The below calendar shows the key dates for the financial wellness program.

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March 2015

S M T W T F S1 2 3 4 5 6 78 9 10 11 12 13 14

15 16 17 18 19 20 2122 23 24 25 26 27 2829 30 31

1w 1w 1w 1w

April 7: Launch with iPad Giveaway - iPad Workshops - Promote the iPad Workshops

April 2015

S M T W T F S27 28 29 1 2 3 45 6 7 8 9 10 11

12 13 14 15 16 17 1819 20 21 22 23 24 2526 27 28 29 30

1w 1w

May 2015

S M T W T F S27 28 29 30 31 1 23 4 5 6 7 8 9

10 11 12 13 14 15 1617 18 19 20 21 22 2324 24 26 27 28 29 3031 2 3 4 6 6

June 2015

S M T W T F S27 1 2 3 4 5 67 8 9 10 11 12 13

14 15 16 17 18 19 2021 22 23 24 25 26 2728 29 30

1w 1w 1w 1w

July 2015

S M T W T F S27 28 29 1 2 3 45 6 7 8 9 10 11

12 13 14 15 16 17 1819 20 21 22 23 24 2526 27 28 29 30 31

1w

August 2015

S M T W T F S27 28 29 30 31 12 3 4 5 6 7 89 10 11 12 13 14 15

16 17 18 19 20 21 2223 24 25 26 27 28 2930 31

June 25: Ongoing Employee Education Quarterly personal finance webinars

Week of June 1: Ongoing Employee Education - Monthly personal finance

emails, theme of tax savings and tax preparation

Week of July 1: Ongoing Employee Education - Monthly personal finance emails

Week of August 3: Ongoing Employee Education - Monthly personal finance

emails, theme of saving for college

Week of May 4: Ongoing Employee Education - Monthly personal finance

emails, theme of buying a home

March 19: Finalize the implementation plan

April 13: Email Campaign #1 - Webinar demo to employees - Email account activation links

April 16: Email Campaign #1 - Email reminder #1

March 26: Create Retiremap account & Collateral Development

Date TBD Ongoing Employee Education - 2nd onsite iPad workshops

May 12: Performance Reporting - Review engagement results #1

March 31: Email announcement to register employees for a workshop date

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September 2015

S M T W T F S27 28 1 2 3 4 56 7 8 9 10 11 12

13 14 15 16 17 18 1920 21 22 23 24 25 2627 28 29 30

1w 1w 1w

October 2015

S M T W T F S1 2 3

4 5 6 7 8 9 1011 12 13 14 15 16 1718 19 20 21 22 23 2425 26 27 28 29 30 31

November 2015

S M T W T F S1 2 3 4 5 6 78 9 10 11 12 13 14

15 16 17 18 19 20 2122 23 24 25 26 27 2829 30

1w 1w 1w 1w 1w

December 2015

S M T W T F S27 28 1 2 3 4 56 7 8 9 10 11 12

13 14 15 16 17 18 1920 21 22 23 24 25 2627 28 29 20 31

1w 1w

September 24: Ongoing Employee Education Quarterly personal finance webinars

December 10: Ongoing Employee Education - Quarterly personal finance

webinars

Week of September 1: Ongoing Employee Education - Monthly personal finance emails

Week of October 5: Ongoing Employee Education - Monthly personal finance emails

Week of November 2: Ongoing Employee Education - Monthly personal finance emails,

theme of ways to save during the holidays

Week of December 1: Ongoing Employee Education - Monthly personal finance emails,

theme of successful personal finance new years resolutions

September 8: Email Campaign #2 - Webinar demo to employees - Email account activation links

September 11: Email Campaign #2 - Email reminder #1

January 26: Performance Reporting - Review engagement results #2

January 2016

S M T W T F S27 28 29 30 1 23 4 5 6 7 8 9

10 11 12 13 14 15 1617 18 19 20 21 22 2324 25 26 27 28 29 3031

February 2016

S M T W T F S1 2 3 4 5 6

7 8 9 10 11 12 1314 15 16 17 18 19 2021 22 23 24 25 26 2728 29

1w 1w 1w 1w 1w

November 12: Performance Reporting - Review engagement results #2

Week of January 4: Ongoing Employee Education - Monthly personal finance emails,

theme of successful personal finance new years resolutions

Week of February 1: Ongoing Employee Education - Monthly personal finance emails,

theme of successful personal finance new years resolutions

Beyond the First 12 MonthsAfter the initial launch and first year, the PlanSponsors financial wellness program will continue to evolve in subsequent years through:

Re-engaging employees to track their retirement readiness, get another Starter Roadmap and receive more targeted content to reach their financial goals

Educational campaign focusing on 2nd most important financial wellness issue, based on Performance Report data

New features focusing on HSA and FSA benefits

New marketing activities to continue to engage employees and grow their financial wellness

Educational campaign focusing on additional key financial wellness issues, based on Performance Report data

Innovative new tools and engagement approaches based on Retiremaps collaboration with leading behavioral economists

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2016

2017

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Next Steps To finalize the Implementation plan the Retiremap Team needs guidance in the following areas:

Finalizing the marketing theme (currently, Plan to Reach Your Financial Goals) and selecting the appropriate imagery to be used in collateral

Guidance on whether to share broad relevant metrics with employees (i.e. Did you know that 32% of Plan Sponsor employees had the goal to buy a home? You can learn about the actionable steps you can take to accomplish that goal by watching this recorded webinar)

Scheduling with Plan Advisor and Plan Advisor to train them on how to leverage Retiremap with individual employee engagements