UNDERSTANDING YOUR RETIREMENT PLAN

Employee Enrollment Guide

Moneta 100 S. Brentwood Blvd., Suite 500

Clayton, MO 63105314.735.9100

EPIC Retirement Plan Services

retirement@monetagroup.com www.epicrps.com

1699 South Hanley Rd., Suite 300St. Louis, MO 63144

800.716.3742

Why Save in the Retirement Plan?

o The amount you invest in your retirement plan is greater than the amount that actually comes out of your paycheck which means that it does not cost as much as you think to save.Your pre-tax contribution is deducted from your pay before federal income tax is calculated so you do not pay taxes on your traditional contributions until you begin withdrawing the money. By contributing on a pre-tax basis, you can reduce your current taxable income. The earnings in your pre-tax account also grow tax deferred.

o Employer Contributions - Don’t turn down free money!If your employer makes contributions to your retirement plan account, you get a bonus: free money. But even if your employer doesn’t contribute, your plan still allows you a tax-advantaged opportunity to save for retirement.

o The retirement plan provides a simple way to practice consistent, disciplined savings.Through automatic payroll deductions, you develop a savings discipline. Investing becomes automatic, making saving for retirement easy while eliminating the temptation to skip a contribution. You are less likely to miss the money after the first contribution is deducted.

o Time is working for you with compound interest and account growth.Compounding means you generate earnings on both the original investment and reinvested earnings. The longer the interest compounds, the more your retirement funds may grow.

o Social Security income may not pay your bills.On average, Social Security only replaces about 40% of income for retirees today. It’s up to you to save for retirement.

It’s easy to get started!

There are 3 simple steps: Step One: Decide how much to save.

Step Two: Choose your investment option(s).

Step Three: Enroll now.

Step One: Decide How Much To ContributeThe sooner you enroll in your employer’s retirement savings plan, the

sooner you are on your way to meeting your retirement savings goals.

Social Security Benefits are unlikely to provide sufficient income when you retire. That’s where your employer’s retirement plan comes in. It can help you save extra funds that you will need. It can also provide additional benefits that you do not get from other savings accounts, such as reducing your current taxable income.

How much will you need to save?The amount of income that you will need after you retire depends on a

number of different factors such as retirement goals, lifestyle, and level of debt. Most studies show that individuals need to contribute a total of 12-15% per year (including employer contributions if applicable) over a 40-year working career. Start saving what you can afford now. You choose an amount to save each pay period and it is contributed to your retirement account. You have the flexibility to make changes to your contribution amount.

A great way to stay on track with your goals is to increase your contributions annually by at least 1%.

How much will you contribute and how will it impact your take home pay?

Current SalaryImpact of 4% contribution

weekly

Impact of 6%contribution

weekly

Impact of 8% contribution

weekly

$20,000 $11.54 $17.31 $23.08

$30,000 $17.31 $25.95 $34.62

$40,000 $23.08 $34.62 $46.16

$60,000 $34.62 $51.93 $69.24

$80,000 $46.15 $69.24 $92.30

This chart assumes pre-tax contributions with a tax withholding of 25 percent. Individual taxpayer circumstances will vary. This chart for illustrative purposes only.

Benefits of Tax Savings

Begin Saving Right Away

START NOWTime is your biggest ally when it comes to saving, thanks to the power of compounding. Your original investments – plus the earnings on those investments – grow together over time. If the earnings are reinvested back into your original investment, your money grows much faster than your original investment alone.

The value of investing early.Mary and Bill each save $100/month for 25 years, but Mary starts saving 10 years earlier so her savings have an extra 10 years to compound.

Assumes a constant annual 6% rate of return with $100 contributions made at the beginning of each month. Projections are based on the end of the period. The amounts shown for investment growth and final results do not consider any transaction costs, fees, or taxes. This represents a hypothetical investment and is for illustrative purposes only and is no way to be considered indicative of any guaranteed performance an investor can expect to achieve. The actual rate of return and value will fluctuate with market conditions. Source: Schwab Center for Financial Research.

Benefits of saving moreWhy Save More?

Increasing the amount you contribute to your retirement savings plan each year could make a big difference in the amount you have to spend during retirement.

This is a hypothetical example used for illustrative purposes only. It is not representative of any particular investment vehicle. It assumes a 6% average annual total return compounded monthly. Your investment results will be different. Tax-deferred amounts accumulated in the plan are taxable upon withdrawal, unless they represent qualified Roth distributions. Source: NPI.

Step Two: Choose the investment options

What is your investment style?Before electing specific investment options, it is important to carefully consider how actively involved you want to be when it comes to managing the asset allocation of your retirement savings account.

o Are you a DO IT MYSELF Investor? Do you prefer to build your own portfolio and enjoy monitoring your own investment options? If so, you can choose your own portfolio by selecting from the list of investment options available in the plan.

ORo Are you a DO IT FOR ME Investor?

Don’t want to spend a lot of time making asset allocation decisions? Would you rather not have to remember to make changes over the years? If this describes you then you may want to consider the Target Date Funds. These funds are designed to carry you through retirement without requiring you to make a lot of changes over time.

Want to do it yourself?

Core Fund MenuDo it myself option.Build your own portfolio from the menu of funds available in the plan. To view a list of the plan’s fund options, refer to the “Enrolling for Retirement” booklet.If you need assistance selecting your investments, you can contact Moneta at 314.735.9100.

Would you prefer some help?

Schwab Target Date Funds (Age-Based Funds)Do it for me option.Select the fund that is closest to your anticipated retirement date.Charles Schwab handles the allocation of the fund.

www.monetagroup.com and www.rpsbenefits.com

SCHWAB LIFECYCLE FUNDS

• Select the fund that corresponds with your anticipated retirement date• Pre-determined, diversified asset allocation (equities and fixed income)• Gradual transition of asset allocation as retirement date gets closer (lower equity exposure as

you get nearer to retirement)• Automatic rebalancing

Schwab Target Date Funds

Which target date fund is right for you?*

*Based solely on expected retirement year.

Normal Retirement Date Fund Name2014 or earlier Schwab Index 2010 FundBetween 2015-end of 2024 Schwab Index 2020 FundBetween 2025 and end of 2034 Schwab Index 2030 FundBetween 2035 and end of 2044 Schwab Index 2040 FundBetween 2045 and end of 2054 Schwab Index 2050 Fund2055 or later Schwab Index 2060 Fund

Step Three: Enroll NowIt is time to complete the final step of the enrollment process.In Step 1, you determined the amount of your pay that you wish to start saving.In Step 2, you decided on an investment strategy for retirement savings.Now it is time for Step 3! Here’s what you need to do:

1. Complete the Enrollment Form• Complete personal information• Select amount to contribute• Select investment option(s)• Sign the form

2. Complete a Beneficiary Form• Complete personal information• Designate your beneficiary(ies) – primary AND contingent• Sign the form

3. FINAL STEP• Turn the forms into Human Resources and celebrate taking a big step toward

planning for a successful retirement!

Remember, now’s the time to kick start your retirement savings. Enrolling in your retirement plan couldn’t be easier. The sooner you join, the more opportunity you will have for your savings to add up.

RETIREMENT EDUCATION CENTER (REC)The Retirement Education Center is your online enrollment book including:

• General Retirement Education• All required notices• Investment Information• Enrollment, Beneficiary, and Rollover forms

Accessing the Retirement Education Center:• Go to www.epicrps.com• Select 'Resources' from the top menu• Under ‘Retirement Education Center’, enter the plan’s 6 digit code. The

plan’s code is listed on Page 1 in the “Enrolling for Retirement” booklet.

For assistance with the EPIC Retirement Plan Services website or your User ID and password, please contact EPIC:

800-716-3742After enrolling in the plan, you will receive a letter from EPIC with your User ID and password.

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