Best in Class vs. Other Plans n Best in Class plans n All other 401(k) plans Plan Measures 95.3% 79.9% 87.2% 71.0% 55.8% 32.4% 9.0% 6.6% Participation rate Average deferral rate Employer Contributions 79.1% 53.1% 44.3% 42.5% 75.6% 76.7% 21.2% 16.1% Retirement confidence Roth provision Oversight Practices 100% 74.0% 100% 77.1% 77.0% 52.1% Index funds Managed account Investment Choices 95.2% 88.2% Effective match >3% Plan Design 95.3% 59.5% 40.5% Eligibility within 3 months Autoenrollment Financial Education Offered 74.1% 39.4% Saving and budgeting 68.2% 52.9% 32.3% Investing basics/ strategies 16.6% Credit/Debt management 38.8% 15.3% Saving for college 18.8% 8.5% Home buying 8.20% No financial education 48.0% 34.6% Autoescalation 41.1% Default deferral rate >3% 38.8% 21.0% 22.3% Re-enrollment Post-separation loan payments 98.8% 100% 78.8% 65.5% Match vested within 2 years True-up match contributions Investment committee Investment policy statement Fee equalization 48 PLANSPONSOR.com February-March 2018http://www.PLANSPONSOR.com