The Perfect401(k)™ features presentation.

1. presentation
partnering with
Charles Schwab & Co., Inc.
as plan custodian

2. Business Principles
 We will not “sell” the bundled 401(k) products of other parties over which we have no
quality control.
 We will not compromise our objectivity as investment managers by accepting “Revenue
Sharing” payments from mutual fund or insurance company investment sponsors.
 We will fully, and transparently, disclose all fees earned from our plan sponsor clients and
their plan participants.
 Our incentives for compensation as an investment manager will always be aligned with
those of our clients – to grow participant account values as quickly as possible with the
least amount of designated risk.
Wellington’s 401(k) Product Was Built On Core Principals
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401(k)™

3. Value Proposition
 Reduce the time and costs required to administer your plan.
 Expand and enhance your employee investment options.
 Enhance the performance of your accounts by providing investment options with lower
internal expenses eliminating excess expenses that reduce investment returns each and
every year.
 Provide fully-delegated, professional and truly objective money management to plan
participants who desire it.
 Greatly reduce the personal liability of the plan trustee(s) and other company fiduciaries.
What Wellington Will Do For Your Company’s 401(k) Retirement Plan
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401(k)™

4. Recordkeeping Services
 Easy Setup and Hassle-Free Administration
 Document Design, Amendments and Restatements
 Annual Plan Testing and Preparation of Form 5500
 Secure Web-Based Data Transmission
 Plan Sponsor Hot Line (Every Business Day Until 8:00 PM EST)
Comprehensive & Reliable
Perfect
401(k)™

5. Investment Options
 Over 8,000 Mutual Funds Supported by Schwab’s “Open Architecture” Platform
 “Vanguard” and Many “Institutional-Only” Share Classes Available
 A Core Group of Very Low-Cost Employee Investment Options
• “Basic” Set of Investment Options*
• “Expanded” Set of Investment Options*
 Stocks, Bonds, ETF’s and CDs May Also be Enabled if Desired
(Over 100 ETF’s available with no commission costs.)
 Extensive Direct Assistance Available to all Participants
The Engine of 401(k) Plan Is Its Investment Options
Perfect
401(k)™

6. Investor Profiles
 Each participant selects the appropriate level ofinvestment assistance by selecting one
of the three Investor Profile’s:
Profile 1 – Wellington Fully-Managed Model Portfolios
Profile 2 – Participant Customized Mutual Fund Portfolios
Profile 3 – Participant Self-Managed Account
 Participants may change their Investor Profile at any point intime without penalty!
SERVICE OPTIONS ARE AS IMPORTANT
AS INVESTMENT OPTIONS
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401(k)™

7. Conservative
(0-5 Yrs.)
Moderate
(5-10 Yrs.)
Aggressive
(10+ Yrs.)
Investment Management
Years to Retirement (increasing)
RiskLevel
(Increasing)
Three Actively Managed “Targeted Retirement” Portfolios
“Custom Target Date” Portfolios are also available for auto-
enrollment 401(k) plans
Perfect
401(k)™

8. Participant Support
 Initial and Ongoing Enrollment Meetings
 Quarterly “Plan Update” Meetings and Communication
 Participant Online Portal
 Sample Videos
 Participant Portal Screenshots
 Additional Web-Based Resources
 Schwab.com
 Retirement Savings Calculator
 Mutual Fund Screening
 Additional Participant Resources
 “Live” Client Service Personnel at both Wellington and Charles Schwab & Co. – one of the largest
financial service firms in the world.
Our Commitment To Your Plan Participants Is Ongoing
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401(k)™

9. Fiduciary Services
 ERISA Section 3(38) “Discretionary” Fiduciaries
- Plan Sponsor Delegation of Personal Fiduciary Liability
 ERISA Section 3(21) Fiduciaries
- Advice Without Protection
 ERISA Section 3(16) Fiduciaries
- Basic Administration by “Co-Fiduciaries” and “Directed Trustees”
There Are Important Differences Between Plan Providers Acting As “Fiduciaries”
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401(k)™

10. Fiduciary Services
Only One Type Of Fiduciary Reduces Plan Sponsor Personal Liability
LevelofFiduciaryServices
Provided
Type of ERISA Fiduciary
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401(k)™

11. Fiduciary Services
The Type of Plan Provider that the people serving your company and your employees work for determines whether or not
they are held to a fiduciary standard.
There Are Also Important Differences Between The People Serving You And Your
Employees
Plan Provider Type Industry “Title(s)” Standard of Care
“Registered Investment Adviser”
Registered Investment Adviser
Representative
Fiduciary Standard
Broker/Dealer
“Broker” ”Adviser” “Consultant”
“Salesman”
No Fiduciary Standard (“Suitability”
Only)
Insurance Company
“Consultant” “Adviser” “Agent”
“Salesman”
No Fiduciary Standard
Perfect
401(k)™

12. Plan Recordkeeping Costs
Plan Information
Annual Administration
Other Fees & Services
Number of Active Plan Participants
(NOT based on “Employees” or “Eligible Employees”)
Base Fee (One base fee applicable for both companies)
Per Participant Fee ($25 x 25)
TOTAL
(A Federal Tax Credit May Apply for New Plans)
25
$1,200
$625
$1,825
Distributions (charged to participant)
Loans (charged to participant)
Loan Fee (invoiced to company)
$65 (Per Event)
$65 (Per Event)
$65 (Annual)
One-time Plan Setup
Base Fee
Per Participant Fee ($20 x 25)
TOTAL
$700
$500
$1,200
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401(k)™

13. Participant Management Fees
Apples-to-Apples Cost Comparison
Wellington includes ERISA Section 3(38) advisory services NOT included in competitor basic pricing and usually NOT
available from competitors.
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401(k)™

14. The Wellington Difference
 Superior Investment Options and Selection
 Personal 401(k) Account Management Services (Not just “Advice”.)
 Unbiased Investment Advice - No “Revenue Sharing” !
Investment Services
Employer & Administrative Services
Employee Support Services
 ERISA Section 3(38) Fiduciary Services
 Low “ALL-IN” Plan Costs (All asset-based fees plus administrative costs)
 Single Point of Contact and Simple to Administer
 Flexibility in Plan Design and No-Cost “Brokerage-Window”{ Accounts
 Direct Access to “Live” and Highly Qualified Representatives at Both Wellington &
Charles Schwab & Co.
Perfect401(k)™
Current/
Competitor’s
Program
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Perfect
401(k)™

15. Contact Us
Perfect401(k)™
14325 Willard Rd. Ste. 104
Chantilly, VA 20151
info@perfect401k.com
(800) 203-2670 ext.3338
www.perfect401k.com
Plan Provider Summary
Perfect
401(k)™