Program Feature Comparison

Plan Feature
Daily Valuation with:
Daily Exchange
Web Site for Participants
Web Site for Plan Sponsor
Web Site for Investment Advisor
800 Number/VRU
Participant Call Center/Help Desk
Online Enrollment (optional)
Online Loan Application (optional)
E-mail Participant Statements
Loan Modeling
Retirement Calculator
Online Investment Education & Advice
Online Prospectus
Automatic Enrollment
Report Downloads (for the Plan Sponsor)
Quarterly Valuation Reports on CD
Quarterly Participant Statements on CD
Statements Mailed to Home Address
Prototype Plan Document 2
New Comparability Plan Document 2
Nonqualified Deferred Comp Plan Doc 2
Employee Deferral (Pre-Tax and Roth 401(k))
Employer Match (Non-Safe Harbor)
Profit Sharing Allocation Methods:
Pro Rata or Uniform Dollar
New Comparability 1
Safe Harbor Allocation Methods:
Basic Match
Enhanced Match
Directed Corporate Trustee
Tax Form 5500
Tax Form 1099-R
ADP Testing
ACP Testing
IRS § 415 and 402(g) Testing
Top-Heavy Testing
After-Tax Contributions
Annuity Contracts
Company Stock (Public and Private)
Frozen Assets
GIC (Guaranteed Investment Contract)
Individually Designed Plan Document
Insurance Policies
Limited Partnerships
Real Estate
Self-Directed Brokerage Accounts (SDBA)
1 - Requires the use of DRS New Comparability Cash or Deferred Profit Sharing Plan document.
2 - Provided by DRS.