The Retirement Plan Workout3 Steps to Energize Employee Participation and Engagement

4Voluntary Employee Benefits

3-Step Retirement Plan WorkoutTo be retirement ready, employees must do more than just enroll in their retirement plan. Like physical fitness, retirement readiness doesn’t happen overnight. It requires setting goals, creating a plan and staying committed.

To become fit for retirement, employees must actively engage in saving and investing for when they’ll no longer be earning an income. The good news is that employees can improve their retirement fitness — no matter their age. With help from The Standard and your advisor, these enrollment and education resources can help you get employees into retirement shape.

2. Enroll3. Communicate

1. Assess

and Measure and Educate

Know where your employees stand when it comes to retirement fitness to help shape plan communication and education strategies.

Step 1: Assess and Measure

RetireReady Tracker A reporting tool providing an initial and annual foundation for strategic plan features and targeted education to help employees enroll and engage.

Plan Review A yearly report revealing how employees use the plan, including the plan’s overall health, asset flow trends, loans, account balances and participation.

Three steps that help employees save in the plan and stay engaged with their retirement fitness.1–2–3

Measure employees’ progress

Step 2: Enroll

Automatic enrollment Enrolls employees in a default investment option. Automatic contribution increases can help employees save even more.

Mainspring Managed Personalizes saving and investing actions by providing a managed solution from StanCorp Investment Advisers, Inc. Managed accounts typically have higher-than-average adoption rates, contribution percentages and account balances.

Easy Enroll program Streamlines the process so employees can quickly and easily enroll.

Personal Savings Center Enables employees to create an account and enroll, view and manage investments, and learn more with retirement planning tools. Landing pages are customizable with targeted messaging and logos for the plan. Customizable education module From any device, employees can use the savings calculator and quickly enroll or increase their contributions. Enrollment meetings Group meetings offered via live webinar sessions or onsite with The Standard or the plan advisor.

Motivate employees to enroll and build strength in their retirement plan with these easy-access resources from The Standard.

Get employees in the plan

Step 3: Communicate and Educate

Multimedia campaigns Educational brochures, presentations, workbooks and videos on retirement, investing and financial planning.

Just One StepSM campaign Features print and digital resources to help employees overcome behavioral finance barriers.

Easy Increase program Features postcards and a short in-person meeting or webinar to help employees increase contributions, even if it’s only 1 or 2 percent.

Supporting materials Provides further education and encouragement for employees, with print and digital materials on topics ranging from annual contribution limits to market volatility.

Customizable education module Lets employees choose and explore additional areas of interest and content on any device.

Online tools and calculators Reinforces retirement planning by helping employees calculate their retirement savings plan, estimate interest rates, determine Social Security and more.

Account tracking resources Lets employees engage in the plan and check savings on the go through Personal Savings Center.

Email campaigns Targeted emails for employers to send to employees about a variety of financial and retirement planning topics.

Strategize with The Standard and your advisor to determine the communication and education tools that keep employees moving.

Keep the workout going

After you’ve introduced employees to the retirement plan workout, they can start training with all the tools they need to get strong, adjust their pace and track their progress.

Checkups are built into the process. We make modifications to help employees not only keep up, but thrive with increased savings endurance, investing flexibility and account strength.

Employees must do more than just enroll in the plan. The Standard and your advisor are here to help you energize employees to participate and stay engaged with their retirement plan.

Visit www.standard.com/retirementfit to learn more about the complete list of tools and resources to help you get started.

1 The Standard

The Standard offers a proven three-step retirement plan workout to help employees who are out of shape when it comes to saving and investing.

Recent studies show that American workers are facing an unprecedented crisis in retirement. In one study, only 21 percent say they are very confident about having enough money to live comfortably throughout their retirement years.1

With statistics like this, motivating employees to actively engage and start saving — or save enough — for retirement may be one of your biggest challenges.

Behavioral finance research cites inertia, procrastination and too many choices as the leading hurdles that keep people from enrolling in a retirement plan.

Remove these hurdles to help employees strengthen their retirement fitness — their ability to replace enough pre-retirement income to maintain their current lifestyle in retirement. Using The Standard’s established enrollment and education process, we’ll work with you to create a customized plan designed to energize employee participation and engagement.

1 2016 Retirement Confidence Survey, Employee Benefit Research Institute, EBRI Issue Brief #422, March 2016

Program for Retirement Fitness RP 11403 (2/17)

The Standard

1100 SW Sixth Avenue

Portland, OR 97204

www.standard.com/retirement

Employers and plan employees should carefully consider the investment objectives, risks, charges and expenses of the investment options offered under the retirement plan before investing. The prospectuses for the individual mutual funds and each available investment option in the group annuity contain this and other important information. Prospectuses may be obtained by calling 877.805.1127. Please read the prospectus carefully before investing. Investments are subject to market risk and fluctuate in value.

The Standard is the marketing name for StanCorp Financial Group, Inc. and its subsidiaries. StanCorp Equities, Inc., member FINRA, wholesales a group annuity contract issued by Standard Insurance Company and a mutual fund trust platform for retirement plans. Third-party administrative services are provided by Standard Retirement Services, Inc. Investment advisory services are provided by StanCorp Investment Advisers, Inc., a registered investment advisor. StanCorp Equities, Inc., Standard Insurance Company, Standard Retirement Services, Inc. and StanCorp Investment Advisers, Inc. are subsidiaries of StanCorp Financial Group, Inc. and all are Oregon corporations.