FAQ - ANSWER

Question: What makes a good 401k?

Answer: Since your 401k plan is one of your most important retirement savings vehicles, you want it to be as good as possible. Here are the features that we think make a really good 401k plan. How does your plan compare?

• Immediate eligibility
• Valued daily
• Generous Employer match
• Maximum contribution can be made each year, i.e., the plan places no restrictions on the amount
• Low expenses or the plan sponsor pays most fees
• Both internet and voice access for checking performance, balance, making changes, etc.
• Name brand no-load mutual funds as investment options are offered
• At least 12 investment options available, including both passive (index) and active investment (actively managed) funds
• Loans and hardship withdrawals available
• Newsletters, fund prospectus, investment performance information and some type of education seminar and/or advice product offered

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