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When it comes to retirementgood decisions matter

Retirement Strategies

An Educational Guidefor Plan Sponsors

Long-term rewards for everyday decisions.Every day, every person in your organization makes dozensof decisions that affect the overall success of the company.Rewarding your employees for making these gooddecisions matters. That’s why you need to make the rightdecision regarding your retirement plan provider.

At MassMutual, we’re dedicated to helping you and yourretirement advisor make the good decisions that willreward you, your organization and your participants.

At MassMutual, We’ll help you get there.®

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Do you know what you’re looking for in a retirementplan provider?

If you were describing an ideal plan provider, it might

sound like this:

The right provider should have the financial strength to be

there for the long term and should be dedicated to helping

every one of your participants save more. They should take

your fiduciary responsibilities seriously, be committed to

supporting your needs and be passionate about ensuring the

health of your investments. The right provider would work

alongside you and your advisor to develop and manage the

plan that’s right for you. The right provider would also be

clear and up-front about what you’re paying for and what

you’re getting.

What a good decision looks like

MassMutual has decades of experience working with retire-

ment advisors and plan sponsors to develop plans that meet

the needs of organizations and employees. With a strong

record of success, fiduciary guidance and expertise, a

commitment to innovation and a team of passionate

professionals to support you through the entire process,

MassMutual can help you make the decisions that are

right for you.

The sign of a good decision is having the right provider

MassMutual has a long-standing commitmentto helping working Americans achieve theirretirement goals, whatever they may be. Tosucceed, we have repeatedly led the retirementservices industry by pairing innovative productsand processes with a team of passionateprofessionals. The result has been a strong,independently measured record of success.

MassMutual is committed to making the kind of long-

term, strategic decisions that have resulted in a strong

reputation and a record of success that speaks for itself.

We have been offering retirement solutions for more than

60 years, serving over 5,000 plans with more than one

million participants, and working with thousands of retire-

ment professionals. We’re proud to say that our financial

strength ratings are among the highest in our industry1.

A history of financial strength

1 Massachusetts Mutual Life Insurance Company and its subsidiaries,C.M. Life Insurance Company and MML Bay State Life InsuranceCompany. For current ratings, visit www.massmutual.com/ratings.

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We strive to maintain our financial strength ratings because they

reflect our commitment to serving our clients’ best interests. As

a mutual company – unlike publicly traded or privately held

companies – MassMutual is owned by our policyholders. So

every decision we make is about providing the financial products

and expertise that will help our clients reach their goals.

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Throughout our history, we’ve worked with sponsors and their

financial advisors to develop retirement plans that are flexible

enough to help employees reach their personal goals while

offering a solid framework to meet business needs.

We also understand that offering the best retirement plan

package doesn’t matter if your participants don’t enroll, if their

deferral rates are flat, or they haven’t diversified appropriately.

That’s why we help them take the steps necessary to start

planning for their retirement – and to stay on track.

MassMutual has made a science of engaging participants in

retirement planning. By studying and applying principles of

behavioral economics, we understand key drivers for why

they take action, what obstacles they encounter and what it

will take to move them beyond those obstacles.

We then help them stay engaged with their plan through

targeted campaigns and communications that educate partici-

pants on topics such as asset allocation, increasing deferrals

and retirement readiness. The messages used in these

educational campaigns are clear and actionable, engaging

participants and leading them to take the next steps. Through

a customized response-tracking database, we monitor and

analyze these campaigns so we can help plan sponsors

optimize them to keep improving their plan’s health.

Effective education for plan participants

“Our participants were completely engaged and

excited about planning for their retirement, and

they understood the value of the benefit.

MassMutual did a fantastic job.”– Jay Hughes, manager of finance,

Eden Foods, Inc.

From enrollment through retirement,helping participants stay engaged

Decide to start with simplified enrollment options.MassMutual helps make the enrollment processfaster and easier with three options for streamlinedenrollment: our wireless e4SM (Electronic EnhancedEnrollment Experience), online ExpressEnrollSM andmail-in ExpressLane enrollment.

Continue Planning as a result of behavior-basedcommunications. By providing participants with theright information, at the right time, and in the rightway, we help them keep making appropriateadjustments to their retirement savings plan.

Empower them with The JourneySM. Our dedicatedwebsite, The JourneySM, provides participants withpersonalized plan information as well as a range oftools, and allows them to perform all the necessarytasks to manage their retirement accounts.

Support them through the Participant InformationCenter. Participants who’d like more guidance incompleting transactions can access our ParticipantInformation Center for personalized accountinformation via FLASHSM, our automated voiceresponse system, at 1-800-74-FLASH (1-800-743-5274)or address more complex questions with one of ourexperienced customer service representatives.

Retire with the Retirement Specialist Group.MassMutual offers the services of our RetirementSpecialist Group (RSG) to help participants transitionto retirement and guide them through the variousoptions available.

Proof is in the results. MassMutual’s deposits fromexisting participants are more than two times theindustry average – a win for sponsors and participants.**Based on Sterling DC Benchmark study Profit 2000TM (Utilizing 2006

data) - Deferrals and company contributions added 21.0% to DC assetsvs. 10.2% for the industry.

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The MassMutual Investment Program

As a plan fiduciary, one of your greatest challenges is select-

ing, monitoring and enhancing your plan’s investments to suit

your participants’ needs. To help you manage this important

responsibility, MassMutual offers a comprehensive lineup of

investment options covering the risk/return spectrum. But

more importantly, we’ve created an intelligent framework to

help you manage your choices: the MassMutual Smart

ArchitectureSM Investment Program.

The ultimate goal of Smart Architecture is to help you

select appropriate investments for your plan. We believe

Smart Architecture represents an improvement over “open

architecture” programs, which often do not apply any

screening criteria and may force plan sponsors and consult-

ants to determine acceptable investments from a potentially

overwhelming number of possibilities. Through the Smart

Architecture methodology, we strive to provide an

investment program distinguished by quality, diversity and

depth that features the following:

• Wide range of asset classes and styles

• Multiple managers

• Ongoing manager oversight

• Flexible product pricing options

Diversification

We have relationships with a large number of investment

firms, managing a wide range of portfolios and investment

strategies, covering the broad spectrum of asset classes and

offering several options within many asset classes.

Expert investment and fiduciary support

Manager Selection and Monitoring

Through our disciplined methodology, we employ both

quantitative and qualitative factors in screening investment

managers for specific investment mandates.

To help you make the right decisions regarding your plan,

we employ a systematic monitoring process and provide

you with detailed information for evaluating every option in

your program.

Strategies

Smart Architecture recognizes the diversity among partici-

pants in terms of investment knowledge, years to retirement,

and risk tolerance and offers a range of investment

strategies to satisfy a variety of investor needs.

Certification and Fiduciary Warranty

To help plan fiduciaries make investment selection

decisions with greater confidence, MassMutual developed a

stringent, independently certified screening process for all

Smart Architecture investment options. To provide even

greater peace of mind, we have also established a Fiduciary

Warranty to provide protection to plan fiduciaries who

select certain investment options for their defined

contribution plans.

Flexibility

MassMutual provides a high degree of investment flexibility

based on our direct relationships with investment firms,

allowing us to service more than 2,400 options. To meet

specific client needs and depending upon plan

specifications, we can likely provide plan sponsors and

advisors with investment options that extend beyond our

Smart Architecture Investment Program. (In addition,

MassMutual does not have any type of proprietary

investment requirement.)

Smart Architecture is at the center of what we believe

to be a comprehensive solution in building an investment

program that can meet the needs of plan sponsors and

advisors, provide additional fiduciary support, and satisfy

a variety of participant investment strategies.

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When you decide on MassMutual as your retirement plan

provider, you’re selecting more than an investment lineup.

You’re also gaining the people, processes and technology

that help achieve the seamless administration of your plan.

Experienced, knowledgeable, passionate people

MassMutual has brought together industry professionals

dedicated to helping you and your advisor create and

support your retirement plan. Teams of professionals are

established with a localized approach to share best practices

across regions and are focused on coordinating all your plan

needs including design, compliance, administration, invest-

ments and participant communications.

A range of plans to suit your needs

As you and your advisor are reviewing your retirement

program, you may find that you need to offer different plan

types, such as 401(k), 403(b) and defined benefit. Your

financial advisor can provide you with a list of all the

options MassMutual offers and can help you decide which

options are best for your needs. Then, our team of

professionals will help you understand how different plans

can be integrated seamlessly – and how administrative tasks

can be streamlined across your entire offering, providing

administrative efficiency and reducing your workload.

Reduced administrative burden

“The service team at MassMutual is secondto none. They delivered a customer service

experience that inspired trust and confidence.It’s the level of service every financial advisorhopes for from a retirement plan provider.”

– John Cate, first vice president andfinancial advisor, Morgan Stanley

“Above and beyond what we ever couldhave expected. Our MassMutual relationship

manager went out early in the morning orlate at night to meet with employees!

They went out of their way to makeretirement planning easy for everyone.

I haven’t seen anything better.”– John Boquist, vice president,

Lanco International

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When you convert to MassMutual, your transition manager

will lead you through the entire process with an experienced

project team that has been assigned based on your plan and

company type. They will handle the details for you, keep

you up to date, notify you of milestones and make sure you

approve all necessary actions.

MassMutual ERISA Advisory ServicesSM

MassMutual offers ERISA Advisory Services to help spon-

sors understand their responsibilities as they relate to the

Employee Retirement Income Security Act (ERISA) regu-

lations. Sponsors can take advantage of seminars, an ERISA

compliance calendar, consultations and a dedicated website,

all designed to help sponsors comply with these regulations.

A flexible infrastructure makes it possible

Once your plan is in place, we want to ensure that we

can respond with maximum flexibility to any changes

required to meet your needs or expectations. To this

end, MassMutual has developed and maintains its own

proprietary recordkeeping system that can adapt

effectively to your plan needs. This is increasingly

important as the retirement industry continues to face

new regulations requiring quick action from plan

sponsors and providers alike.

Making the day-to-day tasks easier

Finally, ongoing management of your plan is made simpler

through our Total Retirement Center (TRC). The TRC was

created from the ground up, based on input from sponsors

like you, in order to help ease many of your day-to-day

processing tasks.

Using the TRC, you can quickly and easily access informa-

tion and perform administrative tasks such as:

• Early transfers of contribution, demographic

and compensation data

• Up-to-date investment performance information

• Financial, participant, loan and other reporting

• Complete loan administration

• Email alerts of important plan activity

• Detailed plan information and event summary

• Timely industry and compliance updates

• Flexible, customizable data and fund

option transfers

• Safe and secure process to send and fund

contribution allocations

The combination of technological resources, like the TRC,

and a passionate and experienced support staff allows plan

sponsors to reduce their day-to-day administrative burden

by automating, delegating and/or simplifying many tasks.

“From a fiduciary perspective, we feltvery comfortable with MassMutual.

Their reputation and financial strength aresolid and they offer tremendous ERISA

advisory support so we can feel confidentthat we’ll meet our obligations.”

– Vince Pryor, chief financial officer,Ingalls Health System

Financial results are critical, but are only one way of defin-

ing success. In an industry that’s constantly changing,

MassMutual is committed to delivering innovative products

and services that make it easier for participants and plan

sponsors to reach their retirement goals.

In addition to the development of e4SM, the first wireless

enrollment tool, and the application of behavioral econom-

ics, MassMutual has repeatedly broken new ground to

deliver exceptional solutions to our plan sponsors:

• Automatic Rebalancing helps participants keep

the asset allocation of their portfolios in line with

their stated investment goals.

• Statement-On-Demand with Personal Rate

of Return Estimate removes the need to wait

for quarter-end to make retirement-related

financial decisions.

• Interactive Defined Benefit Calculations and

Quotes Online allow participants to securely

view their own account information.

• “24-Hour” Conversions smooth the transition

between plans and ensure precious time is not lost.

• MassMutual Smart ArchitectureSM Investment

Program reduces the anxiety sponsors may feel

regarding investment selections.

As the industry changes and technology advances,

MassMutual will always aim to stay ahead of the

marketplace, offering innovative products and solutions

designed to make it easier for everyone to be successful.

Innovation for healthier outcomes

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Because we’re owned by our policyholders, every decision

we make is about better serving the needs of our clients.

That’s why we’re committed to helping your retirement

plan succeed through responsive and seamless

administration, so you can be confident everything will be

done right the first time. Our efforts are focused on making

it simple and easy for you to manage your plan on a day-to-

day basis, while continuously supporting your efforts to

improve your plan’s health. And we strive to help your

participants meet their retirement planning goals and

support you in your fiduciary role.

We’ll help you get there.®

So, if you’re looking for ways to:

• Improve plan performance

• Lower administrative costs

• Enable better investment results over the

long term for your participant

• Better leverage your plan to increase

employee retention

• Anticipate how organizational changes

might affect your plan

…or have other questions about your retirement plan, then

talk to your advisor about what MassMutual can do for

you. You can also visit www.massmutual.com/retire or

call us at 1-866-444-2601 to learn more.

© 2010 Massachusetts Mutual Life Insurance Company, Springfield, MA. All rights reserved. www.massmutual.com. MassMutual Financial Groupis a marketing name for Massachusetts Mutual Life Insurance Company (MassMutual) [of which Retirement Services is a division] and its affiliatedcompanies and sales representatives.

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