This document summarizes a presentation on navigating retirement plans. It discusses key trends like plan benchmarking and fee disclosure rules. It outlines the roles of consultants in overseeing retirement plan committees and setting agendas. Typical committee meeting topics are reviewing minutes, investment performance, plan trends, and fiduciary checklists. Annual reviews cover investment policies, fees, governance processes, and fiduciary training. The document concludes with Lawley Courier Advisors' mission statement to improve employee retirement outcomes through robust governance, plan design, and education.

1. Navigating the Retirement Plan Minefield
April 2015

2. TODAY’S
PRESENTERS
Michael Manosh
Senior Vice President
Fidelity Financial Advisor Solutions
Mark Brand
Executive Vice President
Actuarial Consulting Services
Inc.
TODAY’S AGENDA
1. Panel Introduction
2. Building Financial Futures
3. Maximizing Your Plan
Design
4. Sound Fiduciary Process
Todd Tevens
Retirement Plan Advisor
Lawley Courier Advisors
James Rehak
Managing Director
Lawley Courier Advisors

3. WHERE WE ARE TODAY
 Our Retirement Plan Division provides service to
over 100 plans ranging in size from start up plans
to plans with over $60 million in assets
 Overall, our company consults on plans with
over $600 million of combined plan assets

4. KEY TRENDS IN THE RETIREMENT PLAN
MARKET
 Plan Benchmarking
Process
 Fee Disclosure Rules
 Employee Outcomes
 Fee-Based
Compensation

5. A FORMAL COMMITTEE STRUCTURE & MEETING
PROCESS
Consultant role in
committee oversight
 Prepare the agenda
 Facilitate the meeting
 Document the minutes
 Communicate
outstanding action
items

6. A FORMAL COMMITTEE STRUCTURE & MEETING
PROCESS
Role of the committee members
 Review the minutes
 Follow the guidelines specified in the Investment Policy
Statement
 Make decisions regarding investments in the plan
 Monitor the performance of service providers

7. A FORMAL COMMITTEE STRUCTURE & MEETING
PROCESS
Your meeting agenda
 Based on your goals
 Topics of interest to
each committee
member

8. A FORMAL COMMITTEE STRUCTURE & MEETING
PROCESS
A typical meeting covers the following
topics:
 Review previous meeting’s minutes
 Provide an update on the economy and markets
 Review the performance of plan investments
including funds on the watch list
 Present plan trends
 Update and review the fiduciary checklist

9. A FORMAL COMMITTEE STRUCTURE & MEETING
PROCESS
Additional topics reviewed once per year:
 Review of the plan’s Investment Policy Statement
 Review of service provider fees and services
 Committee governance process review
 Fiduciary training and education

10. KEY QUESTIONS TO ASK
YOURSELF AS A PLAN
SPONSOR
• When was the last time
you did a
comprehensive
retirement plan review?
• Do you document your
plan review process?
• Do you have an
Investment Policy
Statement?
• Are you satisfied with
the level of service you
receive from your
current retirement plan
providers?
• Do you hold regular education
meetings?
• Have you benchmarked your
plan?

12. LCA MISSION STATEMENT
Lawley Courier Advisors will
be recognized as a leading
Retirement Plan Advisory firm
by providing plan sponsors
with a robust plan
governance process,
appropriate plan design, and
comprehensive participant
education that improves
employee retirement
outcomes.

13. DISCLOSURE
Lawley-Courier Advisors, LLC (“LCA”) is a registered investment adviser with the Securities and Exchange
Commission. Such registration does not imply a certain level of skill or training. LCA may only transact business
or render personalized investment advice in those states and international jurisdictions where registered, notice
filed or otherwise excluded or exempted from registration requirements. Any communications with prospective
clients residing in states or international jurisdictions where LCA is not registered or licensed shall be limited so as
not to trigger registration or licensing requirements. LCA is not affiliated with The National Association of Plan
Advisors.
The information herein has been provided for informational purposes only, and is not intended to serve as
investment advice or as a recommendation for the purchase or sale of any security. All investments involve risk,
including loss of principal invested. Past performance does not guarantee future performance. While some of
the information herein has been obtained from third-party sources which LCA believes to be reliable; LCA
cannot and does not guarantee the accuracy, adequacy or completeness of any such information. The
information provided reflects the views of the authors as of a particular time and are subject to change at any
time without notice.

14. THANK YOU
Lawley Courier Advisors