With First Mercantile, you have the ability to submit a request for a participant ...
participants and participants contributing at low levels. They highlight the ...
A CLOSER LOOK AT FIRST MERCANTILE
Plan Sponsors
A Closer Look at First Mercantile
THE DIFFERENCE FOUND
W
hat makes a retirement plan good is not just the plan’s
features. It’s also the ease of plan management and the degree to which your employees take advantage of the plan. Combine competitive plan features, a powerful investment platform and knowledgeable employees, and you have a great retirement plan. We invite you to learn more about the tools and resources available to you and your participants.
1
You Will Find the Difference …with our online capabilities and automated reporting platform..
Plan sponsor website Plan message
E
njoy one of the most advanced automated reporting and
E-Reports lets you schedule and receive a variety of plan
servicing platforms in the industry today through our
management reports. Select the reports you want, the format
plan sponsor website, www.plnsponsor.com.
that best suits your needs, the secure email address to which you would like each report sent, and the frequency you want
You can easily conduct many of your daily plan operation tasks
each report.
online. Our flexible and user-friendly plan management tools include detailed plan information, performance monitoring
E-Maintenance allows you to add a new participant with basic
tools, and a plethora of timely reports.
information and process new participants’ investment elections. You also have the ability to update basic information for
With First Mercantile, you have the ability to submit a request
existing participants.
for a participant distribution and view and track distributions, including loans. Our e-Distribution service allows you to
Statement Message and Plan Message let you create and post
immediately begin the distribution process and answer partici-
a message or commentary on your plan participants’ account
pants’ distribution status questions.
statements and the participant website, respectively. You can use these features to communicate a fund change, announce
The e-Deposit service facilitates accurate and secure transmittal
an enrollment meeting, a change in plan provisions or any
of employee deposit information. When you use Pay Direct,
other pertinent communication.
our ACH option, we will debit your plan’s bank account the amount instructed by the file, allocate the contributions to the participant accounts per the file, and report when the process is complete.
2
O
ur enrollment support materials target both eligible nonparticipants and participants contributing at low levels.
They highlight the concepts of: Ê
UÊ/>Ý`iviÀÀi`ÊÃ>Û}
Ê
UÊ «Õ`}
Ê
UÊ ÛiÀÃwV>Ì
Ê
UÊ «>ÞÊ>ÌV
Ê
UÊÊ/
iÊLiiwÌÃÊvÊ}ÊÌ
iʫ>
Ê
UÊÊ/
iÊVÃiµÕiViÃÊvÊ«ÀVÀ>ÃÌ>Ì}
…with our Fiduciary MasterPlannerTM services.
FIDUCIARY MASTERPLANNER TM
Fiduciary MasterPlannerTM
Plan Sponsors
Plan sponsor welcome kit
Employee Benefit Advisory
O
ur Fiduciary MasterPlanner™ services alleviate some wor-
maintain compliance records. We make your job easier with our
ries you may have as a plan fiduciary. We provide you
powerful monitoring process and our investment policy state-
with many of the tools and services you need to document and
ment template.
…with our plan sponsor education and communication support.
F
irst Mercantile believes that a plan can only be successful if
We want you to experience all our online capabilities to sim-
you are kept informed … and we strive to do that on an on-
plify your plan operations. With our series of plan sponsor
going basis. From day one, we are dedicated to ensuring smooth
webcasts, you and your staff can ask the experts how to use our
plan operation.
helpful plan management tools.
Our relationship begins with the plan sponsor welcome kit
To keep you informed, we provide you with the Employee Ben-
you receive at the beginning of the conversion process. This kit
efit Advisory newsletter. This online newsletter informs you of
introduces you to your conversion team of specialists, gives you
retirement plan regulations and compliance issues.
access to the plan sponsor website and a host of information about our valuable resources, tools and services.
3
Participants Find the Success …with our account management tools.
www.yourinvestmentaccount.com
F
irst Mercantile offers participants support to help them be
At yourinvestmentaccount.com, participants can:
successful in achieving their retirement goals. Our account
Ê
UÊÊVViÃÃÊVÕÀÀiÌÊvÕ`Ê«ÀwiÃÊ`iÌ>}ÊvÕ`ëiVwVÊÃÌÀ>Ì-
Ê
UÊ
>}iÊÛiÃÌiÌÊ>V>ÌÃ
Ê
UÊÊ
>}iÊ`iviÀÀ>Ê«iÀViÌ>}iÊÌ
ÃÊV>«>LÌÞÊÃÊ>Û>>LiÊ>ÌÊ
management tools put participants in control of their retirement planning and in charge of their future.
egy, performance, risk analysis and fees.
Participants will find their secure website offers a multitude of tools to help manage their accounts efficiently.
your request) Ê
UÊÊ-iiVÌÊ>Ê>ÕÌ>ÌVÊÀiL>>ViÊÃV
i`Õi°ÊÊ-V
i`Õi`ÊÀibalancing makes it easier to maintain an asset allocation strategy through market ups and downs.
Ê
UÊÊ`iÊ>`Ê>««ÞÊvÀÊ>Ê>ÊÌ
ÃÊV>«>LÌÞÊÃÊ>Û>>LiÊ>ÌÊ
Ê
UÊ,iµÕiÃÌÊi-Ì>ÌiiÌÃÊÀ>Ì
iÀÊÌ
>Ê«>«iÀÊÃÌ>ÌiiÌð
Ê
UÊÊ6iÜÊ«>ÃÌÊÃÌ>ÌiiÌð
Ê
UÊ6iÜÊÌ
iÀÊÕµÕiÊ«iÀÃ>âi`ÊÀ>ÌiÃÊvÊÀiÌÕÀ°
Ê
UÊÊi>ÀÊ>LÕÌÊÌ
iÊiV
>VÃÊvÊ>Ê{䣮ʫ>]ÊÌÃÊLiiwÌÃÊ
your request).
and the importance of setting retirement goals. Ê
UÊÊVViÃÃÊ>VVÕÌÊL>>ViÊvÀ>ÌÊÊV«ÃÌi]ÊLÞÊ contribution source or fund.
{
Ê
UÊ6iÜÊÛiÃÌiÌÊ«iÀvÀ>Vi°
Ê
UÊÃÃiÃÃÊ«iÀÃ>ÊÀiÌÀiiÌÊ}>ÃÊÜÌ
ÊÕ`>Vi*Õð
…with our employee education materials and retirement planning tools.
Fund profile sheet
Employee enrollment kit
GuidancePlus
Y
I
education materials have been created to help you relay this
enroll, make account changes or check balance information.
ÕÊÀiV}âiÊÌ
iÊ
}
Ê«ÀÌ>ViÊvÊi«ÞiiÊ«>ÀÌV«>tion in your company retirement plan. Our employee
message to your employees.
f participants prefer to pick up a phone, the InvestorLink automated voice response systemÊÃÊ>Û>>LiÊÓ{ÉÇ]ÊÌÊ
Participants can also reach a participant call center represenÌ>ÌÛiÊvÀÊÇÊ>ÊÌÊxÊ«Ê /]Ê`>ÞÊÌ
ÀÕ}
ÊÀ`>Þ°
"ÕÀÊVÕÃÌâi`Êi«ÞiiÊiÀiÌÊÌÃ Ê
UÊÊ `ÕV>ÌiÊi«ÞiiÃÊ>LÕÌÊÌ
iÊLiiwÌÃÊvÊÛiÃÌ}ÊÊ>Ê
Ê
UÊ >ÃiÊÌ
iÊÛiÃÌiÌÊÃiiVÌÊ«ÀViÃÃ
and other pertinent information for the previous quarter.
Ê
UÊÊ Ý«>ÊëiVwVÊ«>Ê`iÌ>ÃÊÃÕV
Ê>ÃÊvÕ`Ê«ÌÃ]ÊV-
Statements are delivered by web to the plan sponsor or by
retirement plan
tributions and provisions A retirement planning calculator to promote retirement savings is included with the kits. If applicable, a brochure explain-
Participants receive a quarterly account statement detailing their account balance, their estimated personal rate of return,
mail to participants’ homes.
A
ÌÊÀÃÌÊiÀV>Ìi]ÊÜiÊÀiV}âiÊÌ
iÊÛ>ÕiÊvÊ}}Ê education and guidance for participants. As your
ing how to enroll via the website or voice response system is
employees experience different stages in their lives, their
also included.
investing strategies change.
Each fund profile sheet details the fund’s investment ob-
GuidancePlus helps participants determine whether their
jective, trailing returns, top holdings, annual investment
current strategy is sufficient to meet their retirement goals. If
expense and estimated risk level. Participants can find fund
Ì]ÊÕ`>Vi*ÕÃÊÜÊ«ÀiÃiÌÊ>ÌiÀ>ÌÛiÃÊÌÊ«ÀÛiÊÌ
iÊ
«ÀwiÊÃ
iiÌÃÊÊÌ
iÀÊVÕÃÌâi`ÊiÀiÌÊLÃÊ>`ÊÊ
participants’ probability of reaching their goals.
the participant website. Fund profiles are also available on the plan sponsor website.
O
ur strategic alliances with investment consultants and third party administrators help achieve an
excellent solution for your retirement plan.
Our Fiduciary MasterPlanner™ provides extensive support for your fiduciary responsibilities.
We believe our integrated approach results in a superior client service model for you and your participants.
www.firstmerc.com xÇÊiÀ>ÌÜÊ ÕÀÌÊUÊÕÀÌ
ÊÀÊUÊ À`Û>]Ê/ ÊÎnä£nÊÊUÊnää°ÇxΰÎÈnÓ
©2008 First Mercantile. MassMutual Financial Group is a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) and its affiliated companies and sales representatives. RS-15642-00 | ACL.PS.12.08