Best in Class vs. Other Plans n Best in Class 401(k) plans n All other 401(k) plans Plan Measures 95.0% 79.9% 39.1% 9.2% 6.8% Participation rate Plan Design 100% 60.8% 45.8% 38.2% Eligibility within 3 months Automatic enrollment Employer Contributions 76.5% 52.8% 43.1% Effective match >3% Match vested within 2 yrs Financial Education Offered 94.1% 88.2% 58.8% 40.5% Saving and budgeting 33.1% 16.9% Investing basics/ strategies Credit/Debt management 14.9% Saving for college Home buying No financial education 52.9% 29.4% 8.7% 5.9% 45.5% 76.5% 76.5% 48.2% Automatic escalation 43.7% 32.4% 20.6% Default deferral rate >3% Oversight Practices 100% 72.9% 100% 82.4% 67.3% 69.2% Re-enrollment 24.3% Post-separation loan payments 100% 100% 82.4% 55.9% Average deferral rate 19.9% Retirement confidence Roth provision Index funds Managed account Investment Choices 97.1% 73.4% 55.9% 31.6% 100% 88.8% True-up match contributions Investment committee Investment policy statement Fee equalization 44 PLANSPONSOR.com February - March 2019http://www.plansponsordigital.com/plansponsor/february-march_2019/TrackLink.action?pageName=44&exitLink=http%3A%2F%2FPLANSPONSOR.com