Sample Employer Performance Report

Performance Report

Prepared for Plan Sponsor

Table of Contents

Employee Engagement Details on how many employees were engaged and their feedback on Retiremap.

Financial Wellness Data on employees savings rates, financial goals and debt issues.

Retirement Readiness See how employee retirement readiness compares across demographic groups.

Demographic Differences Dive into the differences between employees goals and investing approaches.

Next Steps Review of what comes next and areas for considering additional support.

22

Employee Engagement 108 Employees Engaged

(received a personalized Starter Roadmap and custom online

Dashboard)

Overview

97% Completion

rate

24%

76%

iWorkshops (76%)Online (24%)

How employees engaged

33

42% Interestedin meetingan advisor

Employee Engagement

Profile38%

39%

23%

Baby Boomers (46-64): 23%Gen X (65-76): 39%Millennials (77-92): 38%

Employees engaged by generation

58% of engaged

employees are married

54% of engaged

employees own a home

67 years old is the average

anticipated retirement age

44

Employee Engagement

Behavior Change

46% of employees

decided to increase their paycheck

deferral rate

5.7% of pay was the average deferral increase

request

13% of employees are interested in auto-

escalating their paycheck

contribution

55

Employee Engagement

Workshop Feedback

I now feel more engaged with the 401(k) plan90.2% I now feel more prepared to work on my financial goals88.6% I now have helpful tools to reduce stress related to my personal finances93.2% I would recommend the workshop to a co-worker96.8% I plan to increase my savings rate through my retirement plan92.7% I am more interested in meeting with an advisor from Plan Advisor Firm 74.1% I am more prepared to take the next step to improve my financial wellness96.2% This new financial wellness program is an excellent addition to the benefits package97.6% I consider financial education to be an important employee benefit100.00%

66

Financial Wellness

Overview

77712%

10%

12%

24%

42%

Saving 0-5% of household paySaving 6-10% of household paySaving 11-15% of household paySaving 16-20% of household paySaving more than 20% of household pay

HouseholdSavings

Rates

32% of engaged

employees have CREDIT CARD

debt

28% of engaged

employees have STUDENT LOAN

debt

41% of engaged

employees have CAR LOAN

debt

8Financial Wellness

Top 5 Financial Goals

Save for Retirement

Eliminate Debt

Invest Better

Buy a Home

Emergency Fund

71% of employees

43% of employees

41% of employees

36% of employees

35% of employees

Other Top Goals:

31% of employees

28% of employees

21% of employees

19% of employees

17% of employees

0%

25%

50%

75%

100%

All Employees Millenials Gen X Baby Boomers

42%32%

47%41%

8%29%15%19%

27%18%25%22%

23%21%13%18%

Scored Less Than 25 (Least Prepared for Retirement)Scored 25 - 49Scored 50 - 75Scored 75+ (Most Prepared for Retirement)

Retirement Readiness - February 20159

Assumptions Used to Calculate Employee Retirement Readiness The following assumptions were used to calculate retirement readiness:

Inflation Rate: 3% Success rate of Monte Carlo simulations for non-retirement years, based on portfolio type: 75% Replacement rate for income at retirement (only meets basic needs, not retirement goals)

First five years of retirement: 65%Early middle retirement: 55%Late middle retirement: 45%Last five years of retirement: 55%

Percentage of retirement assets that are tax deferred: 50% Rate of return on investable assets in retirement (after tax): 5%

9

Demographic Differences

Overview

1010

38%

39%

23%

Baby Boomers (46-64): 23%Gen X (65-76): 39%Millennials (77-92): 38%

Employees engaged by generation


Millennials (77-92)

1111

Save for Retirement

Buy a Home

Invest Better

Eliminate Debt

Emergency Fund

71% of employees

38% of employees

51% of employees

42% of employees

41% of employees

32 years old

is the average age. 11%

7%

21%

23%

39%

All cashMostly bonds and cashHalf stocksMostly stocksAll stocks

How Millennials

are investing

33% Own a home 28%

Want tosave more



Gen X (65-76)

1212


1212

Save for Retirement

Eliminate Debt

Emergency Fund

Save for College

Buy a Home

71% of employees

31% of employees

45% of employees

40% of employees

31% of employees

45 years old


33%

21%

12%

24%


How Gen Xers

are investing

61% Own a home 47%

Want tosave more


Baby Boomers (46-64)

13131313

Save for Retirement

Invest Better

Reduce Spending

Minimize Taxes

Long Term Care

82% of employees

28% of employees

64% of employees

34% of employees

33% of employees

56 years old


18%

23%32%

18%


How Baby Boomers are investing

77% Own a home 48%

Want tosave more


Next Steps What comes next and areas to consider additional support.

1414

Step 1: Email campaigns We will start with targeted emails to engaged employees based on the financial goals selected and issues identified.

Step 2: Personal finance webinar Based on the issue that the committee feels is mostpressing, a CFP with Retiremap will offer a live webinar.

Step 3: Evaluate addressing debt Retiremap uncovered that 49% of employees had eitherstudent loan or credit card debt, with 11% having both.

Documents

Sample Employer Performance Report