enrollment guide - assets.sthree.com · 2016 contribution limits x combined maximum limit of 100%...

Enrollment Guide

Unless otherwise noted: Not a Deposit | Not FDIC Insured | Not Guaranteed by Any Bank | Not Insured by Any Federal Government Agency | Funds May Lose Value

Specialist Staffing Solutions, Inc Retirement Plan

Read the information

provided in this booklet

regarding your investment

options to help you build

a diversified portfolio.1

Once you've made your

investment selections,

assign a percentage of your

contribution amount to each

of your investment choices

by entering a percentage

between 1% and 100% next

to your investment choice(s)

on the form. Your choices

must total 100%.

Are You Ready For A Bright Financial Future?Making the decision to enroll in your employer-sponsored retirement plan is a great start. Enrolling is the most important step

in your journey to retirement readiness. And this guide puts you on the right path quickly and easily.

Before you enroll, it’s a good idea to review all of the information in this guide in order to make decisions that meet your

individual needs:

• Plan Features and Highlights – Provides specific information about your plan’s features

• Forms – All of the paperwork you need to enroll successfully

• Fund Information – Includes fund objectives and risk levels

• Fund Performance and Fees – Shows asset class categories, fund returns over time, and any fund fees.

Once you have learned about your plan and are ready to enroll, follow these two

simple steps.

Step 1:

Complete the Participant Enrollment Form

To access the Participant Enrollment Form, turn to the first page after the tab in this

booklet. You will need to provide the following information:

• Personal Information – Provide your name, address, Social Security number, date

of birth, etc.

• Contribution Amount – Contribute more today to potentially have more for your

future

• Fund Choices – Build a diversified portfolio based on your retirement goals1

Step 2:

Select Your Beneficiary

Here is the information you’ll need to provide when choosing your beneficiaries:

• Your Personal Information

• Personal Information for Your Primary Beneficiary

• Personal Information for Your Contingent Beneficiary (if applicable)

Note: If you don't have all the necessary information for your beneficiaries at this time,

you can still enroll, but you should choose your beneficiaries as soon as possible once you

have the information needed.

1 Diversification does not ensure a profit and does not protect against loss in declining markets.

Pg 1 of 38

Special Feature

Take advantage of Reality Investing® Advisory Services (Advisory Services) provided by Advised

Assets Group, LLC (AAG), a federally registered investment adviser. It includes a Managed

Account option, which provides valuable benefits if you’re a Do-It-For-MeSM investor:

• Ongoing portfolio management based on your personal financial profile

• Personalized retirement readiness statement

• Investment adviser representatives available for consultation

Advisory Services also offers Online Investment Advice for Help- Me-Do-ItSM investors and

Online Investment Guidance for Do-It- MyselfSM investors. Additional information regarding

any fees related to Advisory Services is provided later in this material.

There is no guarantee that participation in Advisory Services will result in a profit or that your account will outperform a self-

managed portfolio.

Quick Tip

Get the most out of this valuable employer-provided benefit with

a higher contribution amount. The more you save today means

potentially more for your future. Get the retirement income you

want and deserve so you can continue your current lifestyle

when you’re retired by contributing as much as you can.

Important Reminder

Let us know if you have assets

from a previous employer’s

plan or an IRA. If, your employer

allows rollovers, we can help you

roll that money into your current

plan for a simplified, one-stop

retirement planning strategy.3

For More Information

Visit2

www.empower-retirement.com/participant

Call2

1-800-338-4015

Remember:

You can make changes to your plan at any time by visiting

www.empower-retirement.com/participant.2

2 Access to KeyTalk® and/or any website may be limited or unavailable during periods of peak demand, market volatility, systems upgrades/maintenance or other reasons.

3 You are encouraged to discuss rolling money from one account to another with your financial advisor/planner, considering any potential fees and/or limitation of investment options.

PT#193388 (03/2014)Pg 2 of 38

Specialist Staffing Solutions, Inc. Retirement Plan Features and Highlights

1

Read these highlights to learn more about your Plan. If there are any discrepancies between this document and the Plan Document, the Plan Document will govern.

About the 401(k) Plan A 401(k) plan is a retirement savings plan designed to allow eligible employees to supplement any existing retirement and pension benefits by saving and investing before-tax dollars through a voluntary salary contribution. Contributions and any earnings on contributions are tax-deferred until money is

withdrawn.

Eligibility Requirements To enroll in the Plan, employees must meet the following criteria:

Be age 21 or older Completed 60 days of service

Eligible employees may enroll the next payroll period. The following employees are not eligible to participate in the Plan:

Union employees Non-resident aliens

Enrollment You may enroll by completing an enrollment form and returning it to your Plan administrator.

2016 Contribution Limits Combined maximum limit of 100% (1%

minimum) of your compensation or $18,000, whichever is less for all retirement contributions.

Participants turning age 50 or older in 2016 may contribute an additional $6,000.

Roth Contributions The Roth option will give you the flexibility to designate all or part of your 401(k) elective deferrals as Roth contributions. All Roth contributions are made with after-tax dollars.

2016 Roth Contribution Limits Combined maximum limit of 100% (1%

minimum) of your compensation or $18,000, whichever is less for all retirement contributions.

Generally, the maximum contribution amount may be indexed for inflation in subsequent years.

Employer Contributions Your employer match is discretionary. To be eligible for the employer match, employees must meet the following criteria:

- Be employed on the last day of the Plan year

- Completed at least 1,000 hours during the Plan year

Profit Sharing Your Plan may provide for a profit sharing contribution that will be allocated to each eligible participant as a uniform percentage of included compensation on a pro rata method.

To be eligible for this contribution into the Plan, employees must meet the following criteria:

Completed at least 1,000 hours during the Plan year

Be employed on the last day of the Plan year

Vesting Schedule Vesting refers to the percentage of your account you are entitled to receive upon the occurrence of distributable events. Your contributions and any earnings are always 100% vested (including rollovers from previous employers).

The employer match/profit sharing contribution is ona 5 year graded schedule (0%, 25%, 50%, 75%, 100%).

Investment Options1 A wide array of core investment options are available through your Plan. Each option is explained in further detail in your Plan’s fund sheets. Once you have enrolled, investment option information is also available through the website at www.empower-retirement.com/participant or by calling KeyTalk

®

toll free at (800) 338-4015. The website and KeyTalk are available to you 24 hours a day, seven days a week.

2

Transfers and Allocation Changes Use your Personal Identification Number

3 (PIN) and

Username to access the website, or you can use your Social Security number and PIN to access KeyTalk. You can move all or a portion of your existing balances among investment options (subject to Plan rules) and change how your payroll contributions are invested.

2

Rollovers Only Plan administrator approved balances from an eligible governmental 457(b), 401(k), 403(b) or 401(a) plan or an Individual Retirement Account (IRA) may be rolled over to the Plan. Some Plans may only allow rollovers from other 401(k) plans.

Pg 3 of 38

401(k) Plan 2

You are encouraged to discuss rolling money from one account to another with your financial advisor/planner, considering any potential fees and/or limitation of investment options.

Withdrawals Qualifying distribution events are as follows:

Retirement Permanent disability Financial hardship (as defined by the Internal

Revenue Code and your Plan’s provisions) Severance of employment (as defined by the

Internal Revenue Code provisions) Attainment of age 59½ Death (your beneficiary receives your

benefits) Ordinary income tax may apply to each distribution Distributions received prior to age 59½ may also be assessed a 10% early withdrawal federal tax penalty. Refer to your Summary Plan Description for more information about distributions.

Plan Fees Recordkeeping or Administrative Fees: There is an annual Asset Charge of 0.57% that is calculated and deducted quarterly.

Distribution Fees: Benefit disbursement fee $50.00

Investment Option Fees: Each investment option has its own operating expenses. These fees are deducted by each investment option’s management company before the daily price or performance is calculated. Fees pay for trading of securities within the investment options and other management expenses. Funds may impose redemption fees and/or transfer restrictions if assets are held for less than the published holding period. Asset allocation funds are generally subject to a fund operating expense at the fund level, as well as prorated fund operating expenses of each underlying fund in which they invest. For more information, please refer to the fund prospectus and/or disclosure document. Funds are subject to the risks of the underlying funds. There may be a recordkeeping or administrative fee for investing in certain investment options. Please contact your Empower Retirement representative for more information about any potential investment option fees.

Loans Your Plan allows you to borrow the lesser of $50,000 or 50% of your total vested account balance. The minimum loan amount is $1,000, and you have up to five years to repay your loan—up to 15 years if the money is used to purchase your primary residence.

There is a $75.00 origination fee for each loan that is deducted from the loan proceeds, plus an ongoing annual $50.00 fee, deducted quarterly from your account at $12.50.

Reality Investing® Advisory Services (Advisory Services) Your Plan has a suite of services called Advisory Services. You can have a qualified investment adviser, Advised Assets Group, LLC (AAG), manage your retirement account for you. Or if you prefer to manage your retirement account on your own, you can use online investment guidance and advice tools. These services help create a personalized retirement strategy for you.

The annual cost of Reality Investing Advisory Services is as follows:

Investment Guidance – included, no additional charge

Investment Advice – $25.00 per year, or $6.25 per quarter

Managed Account Service fees based on participant account balance: - First $100,000 0.65% - Next $100,000 to $250,000 0.55% - Next $250,000 to $400,000 0.45% - Amounts over $400,000 0.35%

For more detailed information about Advisory Services, including any applicable fees, visit your Plan’s website at www.empower-retirement.com/participant (click on the “Advisory Services” tab) or call KeyTalk at (800) 338-4015 to speak to an AAG adviser representative. There is no guarantee that participation in Advisory Services will result in a profit or that your account will outperform a self-managed portfolio.

How Can I Get More Information? Visit the website at www.empower-retirement.com/participant or call KeyTalk

® toll free

at (800) 338-4015 for more information. The website provides information regarding your Plan, as well as financial education information, financial calculators and other tools to help you manage your account. 1 All information contained on the website, in prospectuses, and in other investment option documents is offered in English. Please have this information translated for your understanding. 2 Access to KeyTalk and/or any website may be limited or unavailable during periods of peak demand, market volatility, systems upgrades/maintenance or other reasons. Transfer requests made via the website or KeyTalk received on business days prior to close of the New York Stock Exchange (4:00 p.m. Eastern Time or earlier on some holidays or other special circumstances) will be initiated at the close of business the same day the request was received. The actual effective date of your transaction may vary depending on the investment option selected.

Pg 4 of 38

401(k) Plan 3

3 The account owner is responsible for keeping the assigned PIN confidential. Please contact a client service representative immediately if you suspect any unauthorized use.

Core securities, when offered, are offered through GWFS Equities, Inc. and/or other broker dealers.

GWFS Equities, Inc., Member FINRA/SIPC, is a wholly owned subsidiary of Great-West Life & Annuity Insurance Company.

Representatives of GWFS Equities, Inc. are not registered investment advisors and cannot offer financial, legal or tax advice. Please consult with your financial planner, attorney and/or tax advisor as needed.

Empower RetirementTM refers to the products and services offered in the retirement markets by Great-West Life & Annuity Insurance Company (GWL&A), Corporate Headquarters: Greenwood Village, CO; Great-West Life & Annuity Insurance Company of New York, Home Office: White Plains, NY; and their subsidiaries and affiliates. The trademarks, logos, service marks, and design elements used are owned by their respective owners and are used by permission.

Managed account, guidance and advice services are offered by Advised Assets Group, LLC (AAG), a federally registered investment adviser. More information can be found at www.adviserinfo.sec.gov. The Plan information contained in this document was provided by the Plan's third-party administrator. Empower RetirementTM is not responsible for any content provided by the Plan's third-party administrator. ©2015 Great-West Life & Annuity Insurance Company. All rights reserved.Form# 374399-01PH 401(k) PT# 214855 (01/2015) 12/14/15

Pg 5 of 38

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C401K FRLCNT ][12/09/15)( 374399-01 CHG NUPART ][QJOH)(/][371147145)(

Page 1 of 3

Incoming Direct Rollover401(k) Plan

Specialist Staffing Solutions, Inc Retirement Plan 374399-01

Participant Information

Last Name First Name MI Social Security Number

Address - Number & Street E-Mail Address

City State Zip Code Mo Day Year Female Male

( ) ( ) Date of Birth Married Unmarried

Home Phone Work Phone

Direct Rollover Information

Current Plan Administrator must authorize by signing in the Required Signatures section.

Previous Plan Administrator must sign this form if Designated Roth Account is being directly rolled over.

I am choosing a:

Direct Rollover, as allowed by your Plan, from a qualified:

401(a) Plan

401(k) Plan

Non-Roth: $ (all contributions and earnings, excluding Roth contributions and earnings)

Roth: $ (employee contributions and earnings)

Governmental 457(b) Plan

403(b) Plan

Non-Roth: $ (all contributions and earnings, excluding Roth contributions and earnings)

Roth: $ (employee contributions and earnings)

Direct Rollover from a Traditional IRA, as allowed by your Plan (Non-deductible contributions/basis may not be rolled over)

Previous Provider Information:

Company Name Account Number

Mailing Address

( )

City/State/Zip Code Phone Number

Previous Provider Must Complete:

After-tax cost basis $

After-tax earnings $

Note: If the above information is not provided, all amounts received will be considered employee before-tax contributions and earnings.

Previous Plan Administrator must provide the following information for Designated Roth Account Rollovers:

Roth first contribution date:

Roth contributions (no earnings): $ Roth earnings: $

Previous Plan Authorized Plan Administrator/Trustee Signature Date

Amount of Direct Rollover: $ (Enter approximate amount if exact amount is not known.)

Investment Option Information - Please refer to your communication materials for investment option designations.

I understand that funds may impose redemption fees on certain transfers, redemptions or exchanges if assets are held less than the period stated in thefund's prospectus or other disclosure documents. I will refer to the fund's prospectus and/or disclosure documents for more information.

Pg 17 of 38

374399-01

Last Name First Name M.I. Social Security Number Number


Page 2 of 3

Select either existing ongoing allocations (A) or your own investment options (B).

(A) Existing Ongoing Allocations

I wish to allocate this rollover the same as my existing ongoing allocations.

(B) Select Your Own Investment Options

Please Note: For automatic dollar-cost averaging, call Client Service Department or access our Web site.

INVESTMENT OPTION

NAME TICKER CODE %JPMorgan SmartRetirement Income Select. . . . . . JSRSX JSRSX _____

JPMorgan SmartRetirement 2015 Select. . . . . . . . . JSFSX JSFSX _____

JPMorgan SmartRetirement 2020 Select. . . . . . . . . JTTSX JTTSX _____

JPMorgan SmartRetirement 2025 Select. . . . . . . . . JNSSX JNSSX _____

JPMorgan SmartRetirement 2030 Select. . . . . . . . . JSMSX JSMSX _____

JPMorgan SmartRetirement 2035 Select. . . . . . . . . SRJSX SRJSX _____

JPMorgan SmartRetirement 2040 Select. . . . . . . . . SMTSX SMTSX _____

JPMorgan SmartRetirement 2045 Select. . . . . . . . . JSASX JSASX _____

JPMorgan SmartRetirement 2050 Select. . . . . . . . . JTSSX JTSSX _____

JPMorgan SmartRetirement 2055 Select. . . . . . . . . JFFSX JFFSX _____

American Funds EuroPacific Gr R4. . . . . . . . . . . . . REREX REREX _____

Virtus Emerging Markets Opportunities I. . . . . . . . HIEMX HIEMX _____

Emerald Growth A. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . HSPGX HSPGX _____

INVESTMENT OPTION

NAME TICKER CODE %Victory Integrity Small-Cap Value R6. . . . . . . . . . . MVSSX MVSSX _____

JPMorgan Mid Cap Growth Sel. . . . . . . . . . . . . . . . . HLGEX HLGEX _____

Vanguard Extended Market Idx Adm. . . . . . . . . . . . VEXAX VEXAX _____

Victory Sycamore Established Value I. . . . . . . . . . . VEVIX VEVIX _____

Invesco Equity and Income Y. . . . . . . . . . . . . . . . . . . ACETX ACETX _____

Putnam Equity Income Y. . . . . . . . . . . . . . . . . . . . . . . . PEIYX PEIYX _____

T. Rowe Price Blue Chip Growth Adv. . . . . . . . . . . PABGX PABGX _____

Vanguard 500 Index Admiral. . . . . . . . . . . . . . . . . . . . VFIAX VFIAX _____

JPMorgan Core Bond Select. . . . . . . . . . . . . . . . . . . . . WOBDX WOBDX _____

PIMCO Income Adm. . . . . . . . . . . . . . . . . . . . . . . . . . . . PIINX PIINX _____

Putnam Stable Value Fund. . . . . . . . . . . . . . . . . . . . . . . N/A PCSV50 _____

MUST INDICATE WHOLE PERCENTAGES = 100%

Participation Agreement

General Information - I understand that only certain types of distributions are eligible for rollover treatment and that it is solely my responsibilityto ensure such eligibility. By signing below, I affirm that the funds I am rolling are in fact eligible for such treatment. I authorize these funds to betransferred into my employer's Plan and to be invested according to the information specified in the Investment Option Information section. I understandand agree that this account is subject to the terms of the Plan Document.

If the investment option information is missing or incomplete, I authorize Service Provider to allocate the direct rollover assets ("assets") the same asmy ongoing contributions (if I have an account established) or to the default investment option selected by my Plan (if I do not have an investmentelection on file). If no default investment option is selected by my Plan, the funds will be returned to the payor as required by law. If additional assetsfrom the same provider are received more than 180 calendar days after Service Provider receives this Incoming Direct Rollover form (this "form"), Iauthorize Service Provider to allocate all monies received the same as my ongoing allocation election on file with Service Provider. I understand I mustcall KeyTalk® at 1-800-338-4015 or access Web site at www.empower-retirement.com/participant in order to make changes or transfer monies fromthe default investment option. If my initial rollover assets are received more than 1 year after Service Provider receives and approves this IncomingDirect Rollover form, I understand Service Provider will require the submission of a new form for approval. I understand that this completed form mustbe received by Service Provider at the address provided on this form.

I understand that the current Custodian/Provider may require that I furnish additional information before processing the transaction requested on thisform, and Service Provider is not responsible for determining the status of any transaction that I have requested. It is entirely my responsibility toprovide the current Custodian/Provider with any information that they may require, and/or to notify Service Provider of any information that the currentCustodian/Provider may wish to obtain in order to effect the transaction.

Withdrawal Restrictions - I understand that the Internal Revenue Code and/or my employer's Plan Document may impose restrictions on directrollovers and/or distributions. I understand that I must contact the Plan Administrator/Trustee, if applicable, to determine when and/or under whatcircumstances I am eligible to receive distributions or make direct rollovers.

Investment Options - I understand and acknowledge that all payments and account values, when based on the experience of the investment options, maynot be guaranteed and may fluctuate, and, upon redemption, shares may be worth more or less than their original cost. I acknowledge that investmentoption information, including prospectuses, disclosure documents and Fund Profile sheets, have been made available to me and I understand the risksof investing.

Account Corrections - I understand that it is my obligation to review all confirmations and quarterly statements for discrepancies or errors. Correctionswill be made only for errors which I communicate within 90 calendar days of the last calendar quarter. After this 90 days, account information shallbe deemed accurate and acceptable to me. If I notify Service Provider of an error after this 90 days the correction will only be processed from the dateof notification forward and not on a retroactive basis.

Outstanding Loan Balance - An outstanding loan balance cannot be included in the direct rollover. However, you may pay off the outstanding loanbalance before this direct rollover is submitted. After the loan is paid off, you may submit this direct rollover request. If you do not pay off the outstandingloan balance, you may direct rollover only the cash value (not including the loan) from the contract that has the outstanding loan.

Pg 18 of 38

374399-01

Last Name First Name M.I. Social Security Number Number


Page 3 of 3

Payment Instructions

Make check payable to:Great-West Trust Company, LLC

Include the following information on the check:Participant Name, Social Security Number,Plan Number, Plan Name

Regular mail address for thecheck and form (if mailed together):Great-West Trust Company, LLCAttn: 401K OperationsDept # 1148Denver, CO 80256-1148

Wire instructions:Account of: Great-West Trust Company, LLCBank: US BankAccount no: 103656586049Routing transit no: 102000021Attention: Financial ControlReference: Participant Name, Social Security Number,Plan Number, Plan Name

Overnight mail address for thecheck and form (if mailed together):US Bank10035 East 40th Avenue Suite 100Dept 1148Denver, CO 80238Contact: Empower RetirementPhone#: 1-800-338-4015

If sending the "form" only, please fax to 1-866-633-5212 or follow mailing instructions above. Funds received will not be invested unlessaccompanied by a completed Incoming Direct Rollover form. Funds will be invested on the day that both a completed Incoming Direct Rolloverform and funds are received prior to market close.

Required Signatures - My signature indicates that I have read, understand the effect of my election and agree to all pages of this Incoming DirectRollover form. I affirm that all information provided is true and correct. I understand that Service Provider is required to comply with the regulationsand requirements of the Office of Foreign Assets Control, Department of the Treasury ("OFAC"). As a result, Service Provider cannot conduct businesswith persons in a blocked country or any person designated by OFAC as a specially designated national or blocked person. For more information,please access the OFAC Web site at:http://www.treasury.gov/about/organizational-structure/offices/Pages/Office-of-Foreign-Assets-Control.aspx.

Participant Signature Date Participant forward to Plan Administrator/TrusteePlan Administrator forward or fax as shown above in thePayment Instructions section

I acknowledge and agree that the Plan Administrator/Trustee for the PreviousEmployer's plan is released from and the Plan Administrator/Trustee for the CurrentEmployer's Plan shall assume all obligations associated with any amounts transferredunder this Incoming Direct Rollover form.

Authorized Plan Administrator/Trustee Signature DateFor Current Employer's Plan

Core securities, when offered, are offered through GWFS Equities, Inc. and/or other broker dealers.GWFS Equities, Inc., Member FINRA/SIPC, is a wholly owned subsidiary of Great-West Life & Annuity Insurance Company.

Empower Retirement refers to the products and services offered in the retirement markets by Great-West Life & Annuity Insurance Company (GWL&A),Corporate Headquarters: Greenwood Village, CO; Great-West Life & Annuity Insurance Company of New York, Home Office: White Plains, NY; andtheir subsidiaries and affiliates. All trademarks, logos, service marks, and design elements used are owned by their respective owners and are used bypermission.

Pg 19 of 38

Investment Objective & Strategy ◆JPMorgan The investment seeks current income and some capital appreciation. The fund isa ‘‘fund of funds’’ that invests in other J.P. Morgan Funds (underlying funds), andSmartRetirement is generally intended for investors who are retired or about to retire soon. It isdesigned to provide exposure to a variety of asset classes through investmentsin underlying funds, with an emphasis on fixed income funds over equity fundsIncome Selectand other funds.

Fund Manager: Team Managed Risk and Return ProfilePeriod Ending: 09/30/2015

This investment option may be most appropriate for someone willing to acceptFund Operating Expenses:some risk, but seeking to preserve capital and is willing to accept lower potentialGross 0.82%, Net 0.66%returns in exchange. Investors choosing this option want to invest in a mixture ofdiverse investments suiting their needs but do not have the time, desire, orRisk/Potential Return Meterknowledge to select and manage their own portfolios. Asset allocation and

ü balanced investment options are subject to the risks of the underlying funds,which can be a mix of stocks/stock funds and bonds/bond funds. Stock valuesfluctuate in response to the activities of the general market, individual companies

FOR ILLUSTRATIVE PURPOSES ONLY and economic conditions. Bond values fluctuate in response to the financialcondition of individual issuers, general market and economic conditions, andchanges in interest rates. In general, when interest rates rise, bond values falland investors may lose principal value.JSRSX_2

Higher

Lower

Investment Objective & Strategy ◆JPMorgan The investment seeks total return with a shift to current income and some capitalappreciation over time as the fund approaches and passes the target retirementSmartRetirement 2015 date. The fund is a ‘‘fund of funds’’ that invests in other J.P. Morgan Funds(underlying funds), and is generally intended for investors expecting to retirearound the year 2015 (target retirement date). It is designed to provide exposureSelectto a variety of asset classes through investments in underlying funds, and overtime the fund’s asset allocation strategy will change.

Fund Manager: Team ManagedPeriod Ending: 09/30/2015 Risk and Return ProfileFund Operating Expenses:

This investment option may be most appropriate for someone willing to acceptGross 0.82%, Net 0.71%some risk, but seeking to preserve capital and is willing to accept lower potentialreturns in exchange. Investors choosing this option want to invest in a mixture ofRisk/Potential Return Meterdiverse investments suiting their needs but do not have the time, desire, or

ü knowledge to select and manage their own portfolios. Asset allocation andbalanced investment options are subject to the risks of the underlying funds,which can be a mix of stocks/stock funds and bonds/bond funds. Stock values

FOR ILLUSTRATIVE PURPOSES ONLY fluctuate in response to the activities of the general market, individual companiesand economic conditions. Bond values fluctuate in response to the financialcondition of individual issuers, general market and economic conditions, andchanges in interest rates. In general, when interest rates rise, bond values falland investors may lose principal value.JSFSX_2

Higher

Lower

Investment Objective & Strategy ◆JPMorgan The investment seeks high total return with a shift to current income and somecapital appreciation over time as the fund approaches and passes the targetSmartRetirement 2020 retirement date. The fund is a ‘‘fund of funds’’ that invests in other J.P. MorganFunds (underlying funds), and is generally intended for investors expecting toretire around the year 2020 (target retirement date). It is designed to provideSelectexposure to a variety of asset classes through investments in underlying funds,and over time the fund’s asset allocation strategy will change.


This investment option may be most appropriate for someone willing to acceptGross 0.85%, Net 0.76%some degree of risk in exchange for potentially higher long-term returns.Investors choosing this option want to invest in a mixture of diverse investmentsRisk/Potential Return Metersuiting their needs but do not have the time, desire, or knowledge to select and

ü manage their own portfolios. Asset allocation and balanced investment optionsare subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds. Stock values fluctuate in response to the

FOR ILLUSTRATIVE PURPOSES ONLY activities of the general market, individual companies and economic conditions.Bond values fluctuate in response to the financial condition of individual issuers,general market and economic conditions, and changes in interest rates. Ingeneral, when interest rates rise, bond values fall and investors may loseprincipal value.JTTSX_2

Higher

Lower

Pg 21 of 38



This investment option may be most appropriate for someone willing to acceptGross 0.87%, Net 0.79%some degree of risk in exchange for potentially higher long-term returns.Investors choosing this option want to invest in a mixture of diverse investmentsRisk/Potential Return Metersuiting their needs but do not have the time, desire, or knowledge to select and


FOR ILLUSTRATIVE PURPOSES ONLY activities of the general market, individual companies and economic conditions.Bond values fluctuate in response to the financial condition of individual issuers,general market and economic conditions, and changes in interest rates. Ingeneral, when interest rates rise, bond values fall and investors may loseprincipal value.JNSSX_2

Higher

Lower



This investment option may be most appropriate for someone willing to accept aGross 0.91%, Net 0.81%moderate degree of risk in exchange for potentially higher long-term returns.Investors choosing this option want to invest in a mixture of diverse investmentsRisk/Potential Return Metersuiting their needs but do not have the time, desire, or knowledge to select and


FOR ILLUSTRATIVE PURPOSES ONLY activities of the general market, individual companies and economic conditions.Bond values fluctuate in response to the financial condition of individual issuers,general market and economic conditions, and changes in interest rates. Ingeneral, when interest rates rise, bond values fall and investors may loseprincipal value.JSMSX_2

Higher

Lower



This investment option may be most appropriate for someone willing to accept aGross 0.93%, Net 0.83%moderate degree of risk in exchange for potentially higher long-term returns.Investors choosing this option want to invest in a mixture of diverse investmentsRisk/Potential Return Metersuiting their needs but do not have the time, desire, or knowledge to select and


FOR ILLUSTRATIVE PURPOSES ONLY activities of the general market, individual companies and economic conditions.Bond values fluctuate in response to the financial condition of individual issuers,general market and economic conditions, and changes in interest rates. Ingeneral, when interest rates rise, bond values fall and investors may loseprincipal value.SRJSX_2

Higher

Lower

Pg 22 of 38



This investment option may be most appropriate for someone willing to accept aGross 0.97%, Net 0.84%moderately higher degree of risk in exchange for potentially higher long-termreturns. Investors choosing this option want to invest in a mixture of diverseRisk/Potential Return Meterinvestments suiting their needs but do not have the time, desire, or knowledge to

ü select and manage their own portfolios. Asset allocation and balancedinvestment options are subject to the risks of the underlying funds, which can bea mix of stocks/stock funds and bonds/bond funds. Stock values fluctuate in

FOR ILLUSTRATIVE PURPOSES ONLY response to the activities of the general market, individual companies andeconomic conditions. Bond values fluctuate in response to the financial conditionof individual issuers, general market and economic conditions, and changes ininterest rates. In general, when interest rates rise, bond values fall and investorsmay lose principal value.SMTSX_2

Higher

Lower



This investment option may be most appropriate for someone willing to accept aGross 1.00%, Net 0.84%moderately higher degree of risk in exchange for potentially higher long-termreturns. Investors choosing this option want to invest in a mixture of diverseRisk/Potential Return Meterinvestments suiting their needs but do not have the time, desire, or knowledge to

ü select and manage their own portfolios. Asset allocation and balancedinvestment options are subject to the risks of the underlying funds, which can bea mix of stocks/stock funds and bonds/bond funds. Stock values fluctuate in

FOR ILLUSTRATIVE PURPOSES ONLY response to the activities of the general market, individual companies andeconomic conditions. Bond values fluctuate in response to the financial conditionof individual issuers, general market and economic conditions, and changes ininterest rates. In general, when interest rates rise, bond values fall and investorsmay lose principal value.JSASX_2

Higher

Lower



This investment option may be most appropriate for someone willing to accept aGross 1.07%, Net 0.84%higher degree of risk in exchange for potentially higher long-term returns.Investors choosing this option want to invest in a mixture of diverse investmentsRisk/Potential Return Metersuiting their needs but do not have the time, desire, or knowledge to select and


FOR ILLUSTRATIVE PURPOSES ONLY activities of the general market, individual companies and economic conditions.Bond values fluctuate in response to the financial condition of individual issuers,general market and economic conditions, and changes in interest rates. Ingeneral, when interest rates rise, bond values fall and investors may loseprincipal value.JTSSX_2

Higher

Lower

Pg 23 of 38

Investment Objective & Strategy ◆JPMorgan The investment seeks high total return with a shift to current income and somecapital appreciation over time as the fund approaches and passes the targetSmartRetirement 2055 retirement date. The fund is a ’’fund of funds‘‘ that invests in other J.P. MorganFunds (underlying funds), and is generally intended for investors expecting toretire around the year 2055 (target retirement date). It is designed to provideSelectexposure to a variety of asset classes through investments in underlying funds,and over time the fund’s asset allocation strategy will change.


This investment option may be most appropriate for someone willing to accept aGross 1.05%, Net 0.84%higher degree of risk in exchange for potentially higher long-term returns.Investors choosing this option want to invest in a mixture of diverse investmentsRisk/Potential Return Metersuiting their needs but do not have the time, desire, or knowledge to select and


FOR ILLUSTRATIVE PURPOSES ONLY activities of the general market, individual companies and economic conditions.Bond values fluctuate in response to the financial condition of individual issuers,general market and economic conditions, and changes in interest rates. Ingeneral, when interest rates rise, bond values fall and investors may loseprincipal value.JFFSX_2

Higher

Lower

Investment Objective & Strategy ◆American Funds The investment seeks long-term growth of capital. The fund invests primarily incommon stocks of issuers in Europe and the Pacific Basin that the investmentEuroPacific Gr R4 adviser believes have the potential for growth. Growth stocks are stocks that theinvestment adviser believes have the potential for above-average capitalappreciation. It normally invests at least 80% of its net assets in securities ofFund Manager: Team Managedissuers in Europe and the Pacific Basin. The fund may invest a portion of itsPeriod Ending: 09/30/2015assets in common stocks and other securities of companies in emergingFund Operating Expenses:markets.Gross 0.84%, Net 0.84%

Risk and Return ProfileRisk/Potential Return MeterInternational investments may be most appropriate for someone looking forü

greater potential returns and willing to accept a higher degree of risk.International investment may provide diversification for a domestic portfolio.Foreign funds involve special risks, including currency fluctuations and political

FOR ILLUSTRATIVE PURPOSES ONLY

developments.REREX_2

Higher

Lower

Investment Objective & Strategy ◆Virtus Emerging The investment seeks capital appreciation. The fund offers investors exposure toemerging economies through well-established companies. Under normalMarkets Opportunities I circumstances, it invests at least 80% of its assets in equity securities or equity-linked instruments of issuers located in emerging markets countries; suchissuers may be of any capitalization. Emerging markets countries generallyFund Manager: Jaininclude every nation in the world except the U.S., Canada, Japan, Australia, NewPeriod Ending: 09/30/2015Zealand and most nations located in Western Europe.Fund Operating Expenses:

Gross 1.31%, Net 1.31%Risk and Return Profile

Risk/Potential Return Meter International investments may be most appropriate for someone looking forgreater potential returns and willing to accept a higher degree of risk.ü

International investment may provide diversification for a domestic portfolio.Equity securities of companies located in emerging markets involve greater risksthan investing in more established markets, including currency fluctuations,


political developments and share illiquidity.HIEMX_2

Higher

Lower

Pg 24 of 38

Investment Objective & Strategy ◆Emerald Growth A The investment seeks long-term growth through capital appreciation. Undernormal conditions, the fund typically invests in equity securities, including

Fund Manager: Garner/Sears/Mertz II common stocks, preferred stocks, and securities convertible into common orPeriod Ending: 09/30/2015 preferred stocks. It can invest in companies from a wide range of industries andFund Operating Expenses: of various sizes. This includes smaller companies, which are defined by the

Gross 1.29%, Net 1.29% Adviser as those having a market capitalization equal to or less than that of thelargest companies in the Russell 2000 Index.

Risk/Potential Return Meter

Risk and Return Profileü

Small-cap investments may be most appropriate for someone willing to accept ahigh degree of market volatility in exchange for greater potential returns over

FOR ILLUSTRATIVE PURPOSES ONLY time. Stock investments tend to be more volatile than bond, stable value ormoney market investments. Equity securities of small-sized companies may bemore volatile than securities of larger, more established companies.HSPGX_2

Higher

Lower

Investment Objective & Strategy ◆Victory Integrity The investment seeks to provide long-term capital growth. The Adviser pursueslong-term capital growth in the fund by investing, under normal circumstances, atSmall-Cap Value R6 least 80% of the fund’s net assets in equity securities (i.e., common stocks,preferred stocks, convertible securities and rights and warrants) of small-capitalization companies. Small-capitalization companies mean those companiesFund Manager: Team Managedwith market capitalizations within the range of companies included in the RussellPeriod Ending: 09/30/20152000d Index ($38 million to $5.2 billion as of September 30, 2015).Fund Operating Expenses:


Risk/Potential Return Meter Small-cap investments may be most appropriate for someone willing to accept ahigh degree of market volatility in exchange for greater potential returns overü

time. Stock investments tend to be more volatile than bond, stable value ormoney market investments. Equity securities of small-sized companies may bemore volatile than securities of larger, more established companies.


MVSSX_2

Higher

Lower

Investment Objective & Strategy ◆JPMorgan Mid The investment seeks growth of capital. Under normal circumstances, at least80% of the fund’s assets will be invested in equity securities of mid capCap Growth Sel companies, including common stocks and debt securities and preferred stocksthat are convertible to common stocks. ‘‘Assets’’ means net assets, plus theamount of borrowings for investment purposes. The fund invests primarily inFund Manager: Partoncommon stocks of mid cap companies which the fund’s adviser believes arePeriod Ending: 09/30/2015capable of achieving sustained growth.Fund Operating Expenses:


Risk/Potential Return Meter Mid-cap investments may be most appropriate for someone willing to accept ahigher degree of market volatility in exchange for greater potential returns overü

time. Stock investments tend to be more volatile than bond, stable value ormoney market investments. Equity securities of medium-sized companies maybe more volatile than securities of larger, more established companies.


HLGEX_2

Higher

Lower

Investment Objective & Strategy ◆Vanguard Extended The investment seeks to track the performance of a benchmark index thatmeasures the investment return of small- and mid-capitalization stocks. The fundMarket Idx Adm employs an indexing investment approach designed to track the performance ofthe Standard & Poor’s Completion Index, a broadly diversified index of stocks ofsmall and mid-size U.S. companies. It invests all, or substantially all, of its assetsFund Manager: Butlerin stocks of its target index, with nearly 80% of its assets invested inPeriod Ending: 09/30/2015approximately 1,000 of the stocks in its target index, and the rest of its assets inFund Operating Expenses:a representative sample of the remaining stocks.Gross 0.10%, Net 0.10%

Risk and Return ProfileRisk/Potential Return MeterMid-cap investments may be most appropriate for someone willing to accept aü

higher degree of market volatility in exchange for greater potential returns overtime. Stock investments tend to be more volatile than bond, stable value ormoney market investments. Equity securities of medium-sized companies may


be more volatile than securities of larger, more established companies.VEXAX_2

Higher

Lower

Pg 25 of 38

Investment Objective & Strategy ◆Victory Sycamore The investment seeks long-term capital growth by investing primarily in commonstocks. The fund pursues its investment objective by investing, under normalEstablished Value I circumstances, at least 80% of its net assets in equity securities of companieswith market capitalizations, at the time of purchase, within the range ofcompanies comprising the Russell MidCapd Value Index. The fund may invest aFund Manager: Graff/Conners/Millerportion of its assets in equity securities of foreign companies traded on U.S.Period Ending: 09/30/2015exchanges, including American and Global Depositary Receipts (ADRs andFund Operating Expenses:GDRs).Gross 0.66%, Net 0.66%

Risk and Return ProfileRisk/Potential Return MeterMid-cap investments may be most appropriate for someone willing to accept aü

higher degree of market volatility in exchange for greater potential returns overtime. Stock investments tend to be more volatile than bond, stable value ormoney market investments. Equity securities of medium-sized companies may


be more volatile than securities of larger, more established companies.VEVIX_2

Higher

Lower

Investment Objective & Strategy ◆Invesco Equity The investment seeks current income and, secondarily, capital appreciation. Thefund invests, under normal circumstances, at least 80% of its net assets (plusand Income Y any borrowings for investment purposes) in equity and income securities, and inderivatives and other instruments that have economic characteristics similar tosuch securities. It invests, under normal circumstances, at least 65% of its netFund Manager: Team Managedassets in income-producing equity investments, such as dividend payingPeriod Ending: 09/30/2015common or preferred stocks. The fund may invest up to 25% of its net assets inFund Operating Expenses:securities of foreign issuers or depositary receipts.Gross 0.56%, Net 0.55%

Risk and Return ProfileRisk/Potential Return MeterThis investment option may be most appropriate for someone willing to accept aü

moderate degree of risk in exchange for potentially higher long-term returns.Investors choosing this option want to invest in a mixture of diverse investmentssuiting their needs but do not have the time, desire, or knowledge to select and


manage their own portfolios. Asset allocation and balanced investment optionsare subject to the risks of the underlying funds, which can be a mix of stocks/stock funds and bonds/bond funds. Stock values fluctuate in response to theactivities of the general market, individual companies and economic conditions.Bond values fluctuate in response to the financial condition of individual issuers,general market and economic conditions, and changes in interest rates. Ingeneral, when interest rates rise, bond values fall and investors may loseprincipal value.ACETX_2

Higher

Lower

Investment Objective & Strategy ◆Putnam Equity The investment seeks capital growth and current income. The fund investsmainly in common stocks of midsize and large U.S. companies, with a focus onIncome Y value stocks that offer the potential for capital growth, current income, or both.Value stocks are issued by companies that the adviser believes are currentlyundervalued by the market. The adviser may consider, among other factors, aFund Manager: Jaroch/Scullycompany’s valuation, financial strength, growth potential, competitive position inPeriod Ending: 09/30/2015its industry, projected future earnings, cash flows and dividends when decidingFund Operating Expenses:whether to buy or sell investments.Gross 0.73%, Net 0.73%

Risk and Return ProfileRisk/Potential Return MeterLarge-cap investments may be most appropriate for someone willing to acceptü

some degree of market volatility in return for potential long-term capital growth.Stock investments tend to be more volatile than bond, stable value or moneymarket investments.


PEIYX_2

Higher

Lower

Pg 26 of 38

Investment Objective & Strategy ◆T. Rowe Price Blue The investment seeks long-term capital growth; income is a secondary objective.The fund will normally invest at least 80% of its net assets in the common stocksChip Growth Adv of large-and medium-sized blue chip growth companies. It focuses oncompanies with leading market position, seasoned management, and strongfinancial fundamentals. The fund may sell securities for a variety of reasons, suchFund Manager: Pugliaas to secure gains, limit losses, or redeploy assets into more promisingPeriod Ending: 09/30/2015opportunities.Fund Operating Expenses:


Risk/Potential Return Meter Large-cap investments may be most appropriate for someone willing to acceptsome degree of market volatility in return for potential long-term capital growth.ü

Stock investments tend to be more volatile than bond, stable value or moneymarket investments.


PABGX_2

Higher

Lower

Investment Objective & Strategy ◆Vanguard 500 The investment seeks to track the performance of a benchmark index thatmeasures the investment return of large-capitalization stocks. The fund employsan indexing investment approach designed to track the performance of theIndex AdmiralStandard & Poor’s 500 Index, a widely recognized benchmark of U.S. stockmarket performance that is dominated by the stocks of large U.S. companies.Fund Manager: BuekThe advisor attempts to replicate the target index by investing all, or substantiallyPeriod Ending: 09/30/2015all, of its assets in the stocks that make up the index, holding each stock inFund Operating Expenses:approximately the same proportion as its weighting in the index. The S&P 500Gross 0.05%, Net 0.05%Index is an unmanaged, market-weighted index that consists of the 500 largestpublicly traded companies and is considered representative of the broad U.S.Risk/Potential Return Meterstock market.

ü

Risk and Return ProfileLarge-cap investments may be most appropriate for someone willing to accept

FOR ILLUSTRATIVE PURPOSES ONLY some degree of market volatility in return for potential long-term capital growth.Stock investments tend to be more volatile than bond, stable value or moneymarket investments.VFIAX_2

Higher

Lower

Investment Objective & Strategy ◆JPMorgan Core The investment seeks to maximize total return by investing primarily in adiversified portfolio of intermediate- and long-term debt securities. The fund isBond Select designed to maximize total return by investing in a portfolio of investment gradeintermediate- and long-term debt securities. As part of its main investmentstrategy, it may principally invest in corporate bonds, U.S. treasury obligationsFund Manager: Figuly/Miller/Nausedaand other U.S. government and agency securities, and asset-backed, mortgage-Period Ending: 09/30/2015related and mortgage-backed securities. The fund’s average weighted maturityFund Operating Expenses:will ordinarily range between four and 12 years.Gross 0.73%, Net 0.59%

Risk and Return ProfileRisk/Potential Return MeterThis investment may be most appropriate for someone seeking greater potentialü

income than with a money market or stable value investment and willing toaccept a higher degree of risk. The investor may also desire to balance moreaggressive investments with one providing potentially steady income. A bond


fund’s yield, share price and total return change daily and are based on changesin interest rates, market conditions, economic and political news, and the qualityand maturity of its investments. In general, bond prices fall when interest ratesrise and vice versa.WOBDX_2

Higher

Lower

Pg 27 of 38

Investment Objective & Strategy ◆PIMCO The investment seeks to maximize current income; long-term capital appreciationis a secondary objective. The fund invests at least 65% of its total assets in aIncome Adm multi-sector portfolio of Fixed Income Instruments of varying maturities, whichmay be represented by forwards or derivatives such as options, futures contractsor swap agreements. It may invest up to 50% of its total assets in high yieldFund Manager: Murata/Ivascynsecurities rated below investment grade but rated at least Caa by Moody’s, orPeriod Ending: 09/30/2015equivalently rated by S&P or Fitch, or, if unrated, determined by PIMCO to be ofFund Operating Expenses:comparable quality.Gross 0.70%, Net 0.70%

Risk and Return ProfileRisk/Potential Return MeterThis investment may be most appropriate for someone seeking greater potentialü

income than with a money market or stable value investment and willing toaccept a higher degree of risk. The investor may also desire to balance moreaggressive investments with one providing potentially steady income. A bond


fund’s yield, share price and total return change daily and are based on changesin interest rates, market conditions, economic and political news, and the qualityand maturity of its investments. In general, bond prices fall when interest ratesrise and vice versa.PIINX_2

Higher

Lower

Investment ObjectivePutnam Stable Deliver intermediate-bond-like returns while seeking to maintain a stable netasset valueValue FundRisk and Return Profile

Period Ending: 09/30/2015 The investment may be most appropriate for someone wanting to safeguardFund Operating Expenses: principal value or to balance a portfolio which contains more aggressive

Gross 0.66%, Net 0.66% investments. The investor may be requiring stability and asset liquidity.

Risk/Potential Return Meter

ü


PCSV50_2

Higher

Lower

Pg 28 of 38

Although data is gathered from reliable sources, including but not limited to Morningstar, Inc., the

completeness or accuracy of the data shown cannot be guaranteed. Where data is obtained from

Morningstar: ©2015 Morningstar, Inc. All Rights Reserved. The information contained herein: (1) is

proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not

warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible

for any damages or losses arising from any use of this information.

◆ Unless otherwise noted: Not a Deposit. Not FDIC Insured. Not Bank Guaranteed. Funds May Lose Value.

Not Insured by Any Federal Government Agency.

A benchmark index is not actively managed, does not have a defined investment objective, and does not

incur fees or expenses. Therefore, performance of a fund will generally be less than its benchmark index. You

cannot invest directly in a benchmark index.

Funds may impose redemption fees and/or transfer restrictions, if assets are held for less than the published

holding period. For more information, see the fund's prospectus and/or disclosure documents.

©2015 Great-West Life & Annuity Insurance Company. All rights reserved.

Holdings and composition of holdings are subject to change. Due to rounding or other factors, asset

allocations and/or largest holdings may not equal 100.0%.

The Net expense ratio shown is net of any fee waivers or expense reimbursements.

Great-West Funds, Inc. and Putnam Funds are affiliates of Great-West Life & Annuity Insurance Company,

Great-West Life & Annuity Company of New York, White Plains, New York, and their subsidiaries and

affiliates. Great-West Funds, Inc. was previously known as Maxim Series Fund, Inc.

Asset allocation funds are generally subject to a fund operating expense at the fund level, as well as

prorated fund operating expenses of each underlying fund in which they invest. For more information, please

refer to the fund prospectus and/or disclosure document.

The date in a target date fund's name represents an approximate date when an investor is expected to retire

(which is assumed to be at age 65) and/or begins withdrawing money. The principal value of the funds is not

guaranteed at any time, including the target date. For more information, please refer to the fund prospectus

and/or disclosure document.

Pg 29 of 38

DOC_TYPE: FEEDSP_STDDOC ID: 371147466IND ID:

01:092115 401K GP19EV ID:

Page 1 of 7

Notice of Investment Returns & Fee Comparison374399-01 Specialist Staffing Solutions, Inc Retirement Plan

www.empower-retirement.com/participant

Your employer's retirement plan may be one of the most valuable investments you'll make for your future. It may be alarge part of the retirement income you�ll need to help keep your current lifestyle. For most people, it will need to last atleast 20 years.

It is important to remember that your retirement account has the potential to grow over time and benefit from being ina tax-deferred plan. In traditional retirement plans you benefit from saving money out of your paycheck before taxesare taken out. Taxes are paid later when you take the money out of the account. Another benefit is that you are payingyourself first and investing for your future by automatically contributing from your paycheck where allowed by your plan.

The goal is to build your account through additional contributions and investment returns in your plan. Fees and expensesrelated to your plan can affect the overall long-term value of your account. The investment options you choose also affectyour account. It is important for you to have a clear understanding of the investment options available through your planand the fees and expenses that are part of your plan.

This notice includes important information to help you compare your Plan investment options and expenses. For moreinvestment information including investment objectives or goals, principal strategies, risks, portfolio turnover rate,returns and expenses, please visit your Plan�s website listed above. The website also includes education and toolsdesigned to help you with making investment decisions. An online calculator is also available and it can assist you indetermining the long-term effect of fees and expenses. A free paper copy of this disclosure is available by calling KeyTalk®

at 1-800-338-4015.

SECTION Document Summary

1

Investment Rate of Return and Expense Information - Shows investment return information foryour plan's investment options. It shows past performance, investment management expenses andGeneral Administrative Services Expenses. The General Administrative Services Expenses tableshows non-investment expenses that pay for operating your Plan.

2Other Investment-Related Fees, Expense Information and Transfer Restrictions - Shows anyfees and expenses that are in addition to the investment management expenses in Section 1. Thissection also shows any investment restrictions.

3

Plan-Related Information - Shows your Plan Related information and Participant Elected ServicesExpenses tables. The Participant Elected Services Expenses table shows expenses for optionalservices available through your Plan that may be charged to your individual account for the servicesyou use.

1 � Investment Rate of Return and Expense Information

Variable Rate of Return Investments TableThis table looks at the rates of return from investments that increase and decrease in value. The table shows how theseinvestments have performed over time. You can compare each investment option to a benchmark. Past performance doesnot guarantee how the investment option will perform in the future. Your investment in these options could lose money.Information about an investment option�s principal risks is available on the Web site listed above.

Variable Return Investments

Averaged Annualized Total Return as of 10/31/2015

Investment Option Ticker 3 mos YTD 1 year 3 year 5 yearSince Start

Date/10yrStart Date

Gross/Net

Investment

Expenses~

Asset Allocation

4.99% 0.82%/0.66%JPMorgan SmartRetirement Income

Select1,2 JSRSX -1.45% 0.42% 0.67% 4.90% 5.04% $49.90 per

$1,000

05/15/2006 $8.20 per$1,000 Gross

4.97%

Barclays US Aggregate Bond TRUSD**

0.55% 1.14% 1.96% 1.65% 3.03% $49.70 per$1,000

05/15/2006

Pg 31 of 38


01:092115 401K GP19EV ID:

Page 2 of 7


Date/10yrStart Date

Gross/Net

Investment

Expenses~

5.24% 0.82%/0.71%JPMorgan SmartRetirement 2015

Select1,2 JSFSX -1.49% 0.52% 0.96% 6.18% 6.22% $52.40 per

$1,000

05/15/2006 $8.20 per$1,000 Gross

4.97%

Barclays US Aggregate Bond TRUSD**

0.55% 1.14% 1.96% 1.65% 3.03% $49.70 per$1,000

05/15/2006


Select1,2 JTTSX -1.82% 0.83% 1.49% 7.88% 7.43% $57.40 per

$1,000

05/15/2006 $8.50 per$1,000 Gross

7.43%

Wilshire 5000 Total Market TRUSD**

-1.17% 2.22% 4.71% 16.02% 14.05% $74.30 per$1,000

05/15/2006


Select1,2 JNSSX -2.17% 0.72% 1.57% 9.24% 8.22% $52.20 per

$1,000

08/01/2007 $8.70 per$1,000 Gross

6.74%


-1.17% 2.22% 4.71% 16.02% 14.05% $67.40 per$1,000

08/01/2007


Select1,2 JSMSX -2.72% 0.53% 1.51% 10.27% 8.72% $61.20 per

$1,000

05/15/2006 $9.10 per$1,000 Gross

7.43%


-1.17% 2.22% 4.71% 16.02% 14.05% $74.30 per$1,000

05/15/2006


Select1,2 SRJSX -2.98% 0.47% 1.46% 11.06% 9.24% $54.30 per

$1,000

08/01/2007 $9.30 per$1,000 Gross

6.74%


-1.17% 2.22% 4.71% 16.02% 14.05% $67.40 per$1,000

08/01/2007


Select1,2 SMTSX -3.21% 0.38% 1.39% 11.35% 9.39% $63.80 per

$1,000

05/15/2006 $9.70 per$1,000 Gross

7.43%


-1.17% 2.22% 4.71% 16.02% 14.05% $74.30 per$1,000

05/15/2006


Select1,2 JSASX -3.18% 0.44% 1.46% 11.37% 9.43% $56.70 per

$1,000

08/01/2007 $10.00 per$1,000 Gross

6.74%


-1.17% 2.22% 4.71% 16.02% 14.05% $67.40 per$1,000

08/01/2007


Select1,2 JTSSX -3.13% 0.54% 1.48% 11.38% 9.43% $57.00 per

$1,000

08/01/2007 $10.70 per$1,000 Gross

6.74%


-1.17% 2.22% 4.71% 16.02% 14.05% $67.40 per$1,000

08/01/2007

Pg 32 of 38


01:092115 401K GP19EV ID:

Page 3 of 7


Date/10yrStart Date

Gross/Net

Investment

Expenses~


Select1,2 JFFSX -3.16% 0.43% 1.39% 11.31% N/A $110.70

per $1,000

01/31/2012 $10.50 per$1,000 Gross

15.12%


-1.17% 2.22% 4.71% 16.02% N/A $151.20per $1,000

01/31/2012

International Funds

5.91% 0.84%/0.84%American Funds EuroPacific Gr

R41,2 REREX -4.82% 1.95% -0.14% 7.98% 4.69% $59.10 per

$1,000

06/07/2002 $8.40 per$1,000 Gross

5.53%

Morningstar Global Markets ex-USGR USD**

-3.06% 1.91% -0.79% 6.49% 4.03% $55.30 per$1,000

06/07/2002

8.72% 1.31%/1.31%Virtus Emerging Markets

Opportunities I2 HIEMX -3.67% -4.45% -9.46% -0.26% 2.33% $87.20 per

$1,000

10/20/1997 $13.10 per$1,000 Gross

7.12%

Morningstar Emerging Markets GRUSD**

-4.83% -8.10% -12.73% -1.50% -1.78% $71.20 per$1,000

10/20/1997

Small Cap Funds

9.60% 1.29%/1.29%

Emerald Growth A2 HSPGX -12.05% 3.57% 9.76% 19.41% 16.58% $96.00 per

$1,000

10/01/1992 $12.90 per$1,000 Gross

8.42%

Morningstar US Small Growth TRUSD**

-7.35% 0.91% 2.78% 14.99% 13.15% $84.20 per$1,000

10/01/1992

8.26% 1.01%/1.01%Victory Integrity Small-Cap Value

R61,2 MVSSX -2.62% -3.43% -0.15% 15.62% 12.66% $82.60 per

$1,000

06/01/2012 $10.10 per$1,000 Gross

8.52%

Morningstar US Small Value TRUSD**

-2.69% -5.67% -2.63% 13.45% 12.54% $85.20 per$1,000

06/01/2012

Mid Cap Funds

9.58% 1.12%/0.93%

JPMorgan Mid Cap Growth Sel1,2 HLGEX -8.42% 3.62% 5.27% 19.05% 14.57% $95.80 per

$1,000

03/02/1989 $11.20 per$1,000 Gross

9.76%

Morningstar US Mid Core TRUSD**

-2.59% 1.13% 4.45% 17.54% 15.45% $97.60 per$1,000

03/02/1989

8.60% 0.10%/0.10%Vanguard Extended Market Idx

Adm1,2 VEXAX -5.42% -1.02% 1.23% 15.47% 13.25% $86.00 per

$1,000

11/13/2000 $1.00 per$1,000 Gross

9.00%

Morningstar US Mid Cap TRUSD**

-3.22% 0.74% 3.33% 17.10% 14.28% $90.00 per$1,000

11/13/2000

10.58% 0.66%/0.66%Victory Sycamore Established

Value I1,2 VEVIX 0.41% 6.49% 10.51% 18.93% 14.43% $105.80

per $1,000

03/01/2010 $6.60 per$1,000 Gross

Pg 33 of 38


01:092115 401K GP19EV ID:

Page 4 of 7


Date/10yrStart Date

Gross/Net

Investment

Expenses~

8.31%

Morningstar US Mid Value TRUSD**

-1.41% -0.98% 1.65% 17.79% 14.02% $83.10 per$1,000

03/01/2010

Large Cap Funds

6.75% 0.56%/0.55%

Invesco Equity and Income Y1,2 ACETX -2.67% -0.26% 1.73% 11.32% 10.01% $67.50 per

$1,000

12/22/2004 $5.60 per$1,000 Gross

8.00%


-1.17% 2.22% 4.71% 16.02% 14.05% $80.00 per$1,000

12/22/2004

8.72% 0.73%/0.73%

Putnam Equity Income Y2 PEIYX -2.61% -0.30% 1.87% 15.25% 13.86% $87.20 per

$1,000

10/01/1998 $7.30 per$1,000 Gross

5.44%

Morningstar US Large Value TRUSD**

-0.79% -0.76% 0.71% 11.78% 11.48% $54.40 per$1,000

10/01/1998

9.61% 0.98%/0.98%T. Rowe Price Blue Chip Growth

Adv1,2 PABGX -0.56% 10.95% 11.99% 20.67% 16.62% $96.10 per

$1,000

03/31/2000 $9.80 per$1,000 Gross

8.79%

Morningstar US Large Growth TRUSD**

-0.10% 9.98% 11.72% 19.15% 16.04% $87.90 per$1,000

03/31/2000

7.84% 0.05%/0.05%

Vanguard 500 Index Admiral1,2 VFIAX -0.64% 2.68% 5.18% 16.16% 14.29% $78.40 per

$1,000

11/13/2000 $.50 per$1,000 Gross

7.81%

Morningstar US Large Cap TRUSD**

-0.55% 3.08% 5.49% 15.99% 14.34% $78.10 per$1,000

11/13/2000

Bond Funds

4.98% 0.73%/0.59%

JPMorgan Core Bond Select1,2 WOBDX 0.45% 1.31% 2.06% 1.57% 3.10% $49.80 per

$1,000

06/03/1991 $7.30 per$1,000 Gross

4.93%

Morningstar US Core Bond TRUSD**

0.67% 1.52% 2.41% 1.87% 3.21% $49.30 per$1,000

06/03/1991

9.11% 0.70%/0.70%

PIMCO Income Adm2 PIINX -0.08% 3.28% 2.22% 5.96% 8.24% $91.10 per

$1,000

03/30/2007 $7.00 per$1,000 Gross

4.78%

Barclays US Universal TR USD**

0.42% 1.30% 1.67% 1.89% 3.32% $47.80 per$1,000

03/30/2007

Stable Value Fund

2.96% 0.66%/0.66%

Putnam Stable Value Fund2 N/A 0.36% 1.26% 1.52% 1.48% 1.98% $29.60 per

$1,000

02/28/1991 $6.60 per$1,000 Gross

1.17%

Morningstar Cash TR USD**

0.00% 0.01% 0.01% 0.03% 0.04% $11.70 per$1,000

02/28/1991

1 Additional information on this Investment Option can be found in Section 2.

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01:092115 401K GP19EV ID:

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2 Mutual Fund Option. The start/inception date is that of the fund's original share class. Performance returns for mutual fund optionsin your Plan offering a different share class with a more current start/inception date have been adjusted to reflect the fees and chargesassociated with the actual share class.

* Performance returns not available at time of production.

N/A - Performance returns are not applicable, or not available at time of production.

~ Gross Total Annual Operating Expenses are the gross fees potentially charged to the investment option and are displayed abovein accordance with fee disclosure regulations. The Net Total Annual Operating Expenses, also displayed above as supplementaryinformation, are the actual amounts charged by the investment option and may be different from the Gross Expenses due to certainfee waivers or additional expenses charged by other service providers. Expenses reduce the return of the investment option. Part ofthese fees may be shared with the plan's service providers to help pay for plan administration and/or recordkeeping fees. Please seethe participant website for more information.

** A benchmark index is not actively managed. It does not have a defined investment objective and does not incur fees or expenses.You cannot invest directly in a benchmark index.

General Administrative Services Expenses TableThis table shows expenses that pay for operating the Plan. These expenses are described below. Fees and expensesfor general plan administrative services (for example, recordkeeping services and custodial services) may be chargedto the Plan. These fees and expenses may be charged to your individual account if not paid by the Plan Sponsor and/or included in investment-related fees and expenses. How the expenses are charged to participant accounts will dependon the nature of the expense. For example, some fees may be charged as a fixed dollar amount per participant or as apercentage amount spread across the account balances. Blank fields in the table can be assumed to be not applicable orzero.

General Administrative Services Expenses

as of 12/09/2015

Fee Type Annual

Amount

Quarterly

Amount

Frequency Description

0.57% 0.1425%

Asset Based Charge$5.70 per $1,000 $1.43 per $1,000

Quarterly

This fee is for administrative costs associated with theplan and is deducted from your account balance. Thisfee may not apply to all investments offered under yourplan; please see your plan administrator for additionalinformation.

2 � Other Investment-Related Fees, Expense Information and Transfer Restrictions

Other Investment-Related Fees, Expense Information and RestrictionsThis table looks at fees, expenses and transfer restrictions that are in addition to the Investment Expenses in Section 1.Fees and expenses are only one of many things to think about when deciding to invest. You may also want to think aboutwhether an investment in a particular investment option, along with your other investments, will help you reach yourfinancial goals.

Other Investment-Related Fees and Restrictions

as of 12/09/2015

Investment Option Transfer Rule Shareholder Type Fees^

JPMorgan SmartRetirementIncome Select

1

JPMorgan SmartRetirement2015 Select

1


1


1


1


1


1

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Investment Option Transfer Rule Shareholder Type Fees^


1


1


1

American Funds EuroPacific GrR4

2

Victory Integrity Small-Cap ValueR6

3

JPMorgan Mid Cap Growth Sel 1

Vanguard Extended Market IdxAdm

1

Victory Sycamore EstablishedValue I

3

Invesco Equity and Income Y 2

T. Rowe Price Blue Chip GrowthAdv

4

Vanguard 500 Index Admiral 1

JPMorgan Core Bond Select 1

Rule #1 - Fund company restriction: A transfer into this fund will not be permitted if a prior transfer was made out of this fund in the last30 days.

Rule #2 - Fund company restriction: A transfer of $5000 or more into this fund will not be permitted if a prior transfer of $5000 or morewas made out of this fund in the last 30 days.

Rule #3 - Due to the frequent trading policy and procedures regarding market timing and excessive trading, if 2 round trips have beenprocessed INTO the fund there may be transfer restrictions. Given the fund's frequent trading policy and procedures and previouswarnings, you may be restricted from transferring money into this fund for 30 days.

Rule #4 - Due to the frequent trading policy and procedures regarding market timing and excessive trading, if 2 round trips have beenprocessed INTO the fund there may be transfer restrictions. Given the fund's frequent trading policy and procedures and previouswarnings, you may be restricted from transferring money into this fund for 90 days.

^Shareholder/Shareholder-Type Fees are fees paid directly from your investment in this option (e.g., sales loads, sales charges,deferred sales charges, redemption fees, exchange fees, account fees, purchase fees, transfer or withdrawal fees).

NOTE: More current information about the Plan's investment options, including fees, expenses and performanceupdates, may be available at your plan's Web site.

3 � Plan-Related Information

Plan-Related Information is an explanation of general plan information. It includes a description of non-investmentmanagement fees and expenses that may be charged to your account. This section also includes a list of the ParticipantElected Services Expenses.

General Information

Non-Investment Management Fees and Expenses: Includes recordkeeping, accounting, legal or other administrativefees that may be charged to your account. The dollar amount actually charged to your account during the previous quarterfor such administrative or individual expenses will be reported to you on your quarterly statement. If you have additionalquestions related to fees on your account, please contact KeyTalk® or your Plan Administrator.

Investment Instructions: Your plan lets you direct the investment of your account in the investment options listed inSection 1. You may make changes to your investment options via the plan�s Web site or by calling KeyTalk®.

Limitations on Investments: Limits on making changes to your investment choices may be imposed by the PlanAdministrator or by a manager of an investment option. Any limits or restrictions made by a fund manager are describedin the prospectus for the fund. They include restrictions intended to prevent �market timing� (i.e., rapid trading in and out ofa fund). If these restrictions apply then they will be listed in Section 2. In addition to the limits and restrictions described inthe prospectus, the Plan Administrator may have other restrictions on making changes to your investment choices. If thePlan Administrator has additional limits, they will be described in a separate document that will be provided to you by yourPlan Administrator.

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Voting, Tender, and Similar Rights: The appropriate Plan fiduciaries, or an individual or an institution designated bythe Plan fiduciaries, will exercise any voting or other rights associated with ownership of the Designated InvestmentAlternatives offered in your Plan.

Participant Elected Services Expenses TableThis table shows expenses for optional services available through your plan. Certain fees may be charged to yourindividual account for optional services you use.

Participant Elected Services Expenses

as of 12/09/2015

Service Fee Amount Frequency Description

Loan Maintenance Fee $12.50 QuarterlyThis fee is for annual maintenance of your existing loan. If you have morethan one loan, you will be assessed the fee for each outstanding loan.

Loan Origination Fee $75.00 Per LoanThis fee is for the processing of your loan. This fee is applied each timeyou request a loan from your retirement account and is taken from theproceeds prior to distribution.

Benefit Disbursement Fee $50.00 Per Distribution This fee is for the processing of a distribution from your account.

ACH Special HandlingCharge

$15.00 Per DistributionAutomated Clearing House. This fee is for transferring your distributiondirectly into your bank account.

AAG Online InvestmentAdvice

$6.25 Quarterly This fee applies if you are enrolled in the Investment Advice option.

AAG Online ManagedAccounts

Up to $100K = 0.162500%Next $150K = 0.137500%Next $150K = 0.112500%Over $400K = 0.087500%

QuarterlyThis fee applies if you are enrolled in the Managed Account service and isdeducted from the assets within the Managed Accounts service.

EXPRESS SpecialHandling Charge

$25.00 Per Distribution This fee is for sending your distribution via 1- to 2-day express delivery.

WIRE Special HandlingCharge

$40.00 Per DistributionThis fee is for sending your distribution to your bank account viaelectronic wire.

Fees and expenses do add up and can have a big impact on your retirement savings. Fees and expenses are only two ofmany other factors to think about when you make investment decisions.

You can visit the Department of Labor website for an example showing the long-term effect of fees and expenses - http://www.dol.gov/ebsa/publications/401k_employee.html.

Visit your plan's website listed in the title for a glossary of investment terms relevant to the investment optionsunder this plan. To request additional Plan information, or a paper copy of certain information available online,free of charge, contact a representative at Empower Retirement, PO Box 173764, Denver, CO 80217-3764.

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