1"For distribution to Plan Sponsors

only"

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OverviewVantage401(k) features include:

Investment Offering: Over 18,000 funds from 450 fund families, separately managed accounts, exchange traded funds and self directed brokerage accounts

Investment Education & Retirement Planner: An interactive web-based self help tool that explains the potential risks and rewards of investing and guides the participant through a detailed risk assessment and retirement planning session

Strategy Builder: Offers portfolio strategy recommendations to participants using an automated Monte-Carlo simulation based on their individual input and risk tolerance score

Record-keeping & Compliance Administration: provide daily record-keeping, discrimination testing, and IRS/DOL reporting to ensure plan compliance with IRS and DOL regulations

Client Support: Access to Plan/Participant account information via the web, voice response unit (VRU), and toll free client service center

"For distribution to Plan Sponsors only"

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Benefits

Vantage401(k) is a turn-key retirement plan product that combines an open architecture platform with complete back-office record-keeping and compliance administration.

Vantage401(k) benefits include: Automation (utilizing Integrated systems) Open Architecture Platform

zero commissions or transaction charges Record-Keeping & Compliance Administration

Single source provider Fiduciary support tools Participant Client Service Center

"For distribution to Plan Sponsors only"

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AutomationVantage401(k)’s automation provides:

Employer online access to Participant demographics Plan reports & Plan documents Census/Contribution upload and reconciliation Automated signature ready 5500

Employee online access to Education Retirement planning Enrollment Account management Quarterly Statements

Integrated Systems Retirement administration system (including DB plans) Trust accounting system Documentation system Spending accounts (FSA, HSA, HRA) admin system Online enrollment system

"For distribution to Plan Sponsors only"

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Open Architecture

Vantage401(k)’s Open Architecture includes:

Access to over 18,000 funds from 450 Fund Families

Separately Managed Accounts Unitization capabilities for ETF portfolios Self Directed Brokerage Account (optional)

Allows the plan sponsor and advisor to select best in class investments that better serve the participants needs

"For distribution to Plan Sponsors only"

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Record-keeping andCompliance Administration

Record-keeping Administration Determine eligibility, calculate and allocate contributions, distributions, forfeitures, and gains & losses Trade, Reconcile, and Value participant accounts daily Provide weighted account balances and census audit

trails Loan processing Reporting

Compliance Administration Plan design consultation Plan documentation Compliance testing including ADP/ACP, IRC 415 & 416,

Age Weighted and New Comparability, and 401(a)/410(b) Signature ready form 5500

"For distribution to Plan Sponsors only"

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Fiduciary ToolsVantage401(k)’s Fiduciary Tools provide:Advisors and Plan Sponsors with an evaluation, implementation, and review process that offers long-term added value and assists fiduciaries in fulfilling their duties.

Vantage401(k)’s Fiduciary Support Tools include: Formal written Investment Policy Statement (IPS) Fund Source - fund selection, monitoring, and

reporting tool Unbiased participant investment menu 408(b)(2) (Plan Sponsor) and 404(a)(5)

(Participant) fee disclosures Annual Plan Review

"For distribution to Plan Sponsors only"

"For distribution to Plan Sponsors only" 8

Participant Client Service Center

Provides Participants access to knowledgeable Client Service Representatives Plan Q&A Enrollment Support Account Management Support

Acts as an extension of Client’s HR DepartmentRemoves High Call Volume from HR departmentProvides access to audio files (recorded calls) and CRM service notes for incident escalation

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Value Proposition for Plan Sponsors Open architecture platform:

control over the investment options seeks to reduce participant litigation due to lack of options

Complete fee transparency: Refund all 12b-1, SubTA, and Shareholder Service fees back to

the Plan account Neither Custodian, Record-keeper, nor Advisor participate in

revenue sharing Level Compensation Platform simplifies 408(b)(2) and

404(a)(5) disclosures Removes conflicts of interest

Unbiased guidance: Level compensation platform for Custodian, Record-keeper,

and Advisor Compliant with 408(g)

Paperless platform: for enrollment, account management, and record keeping

Client Support: Convenient, user friendly system accessible via Internet,

Voice Response Unit (VRU) and toll free Client Service Center"For distribution to Plan Sponsors

only"

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Disclaimer

© 2011 Vantage Benefits Administrators, all rights reserved.This publication is distributed with the understanding that the publisher and distributor are not rendering legal, accounting or other professional advice and assume no liability whatsoever in connection with its use.

"For distribution to Plan Sponsors only"

11"For distribution to Plan Sponsors

only"