One of today's most valued employee benefits is a 401(k) plan. More and more employees are recognizing that unless they save and plan for their future, they may not be able to retire at a desired age or with enough money to maintain their current lifestyle. It is a reality that, in order to attract and retain the best available employees, you, as their employer of choice, must consider offering a retirement plan.

Drawing on the resources and expertise of our corporate parent, ADP, ADP Resource offers a defined contribution 401(k) plan that combines ADP's proprietary recordkeeping and administrative services with highly respected outside trusted and investment partners. The ADP 401(k) plan is a comprehensive package from initial plan design and enrollment through investment options, recordkeeping and testing.

Features of the plan and its administrative services include:

• Payroll integration. The plan is integrated seamlessly with ADP's payroll systems, so participant contributions are deducted and deposited as part of our overall payroll processing service.



• Enrollment materials and support. ADP provides customized enrollment materials to eligible employees, as well as on-site enrollment specialists where desired. Enrollment kits are available in English and Spanish.



• Investment options. You can choose from two distinct investment portfolios, each of which offers a variety of investment options, from conservative to aggressive.



• Participant communications. Participants have access to a toll-free interactive voice response system and secure website where they can get account updates and access a variety of retirement planning tools and resources.



• Quarterly participant statements. Participants receive personalized quarterly statements showing account balances and transaction details.



• Plan activity reports. ADP provides your company with monthly reports summarizing all plan activity.