Business Benefits Inc.

1
Guardian Advantage
PMFM 401k Toolbox
Fairway Wealth Management
Business Benefits Inc. YOU
Distribution Partners
Third Party Administrator
2

• Guardian Advantage
• Provides funding vehicle for qualified 401(k)
  plan
• Holds contributions from plan and participants
• 146 years of experience in providing diversified
  financial solutions
• Guardian Group Pensions Earned
• DALBAR Seal of Excellence for Call Center Support
  to Plan Sponsors and Transaction Processing

3

• PMFM Inc. 401k Toolbox
• Independent Registered Investment Advisory Firm
  that provides
• Investment advisory services to plan participants
• Online Education
• Portfolio Modeling and Risk Assessment Tools
• Individual discretionary account management
• Advice Provider of the Year for 2004 Defined
  Contribution News

4

• Fairway Wealth Management
• Independent Registered Investment Advisory Firm
  that provides
• Current selection of funds available
• Quarterly and Annual reports summarizing market
  performance, peer group and benchmark
  performance, detailed written commentary on each
  fund, detailed quantitative and graphical reviews
  of fund performance, risk and style consistency,
  review of fund costs, and watch list updates.
• Quarterly Conference call in which Fairway will
  host plan sponsors to review the report and
  answer general questions

5

• Distribution Partners L.L.C.
• Master Distribution and Contracting Operator
• Knowledgeable resource for Pension Consultants
• Serve as conduit for Plan Sponsors for all other
  associated entities
• Focus on enlarging assets under management to
  keep fees down through higher volume

6

• Third Party Administrator
• Assists Plan sponsor with plan design,
  customization and implementation
• Assist Plan Sponsor with plan recordkeeping and
  administration to ensure smooth plan operation
• Provide Annual Compliance testing and government
  reporting along with methods of correction should
  a violation ever occur