Washington Financial Group provides the services, experience and resources you seek to deliver an efficient and effective retirement plan to your employees.

1. Qualified Plan Services

2. MAXIMIZE PLAN EFFICIENCY
 Vendor Benchmarking Analysis
 Provider Contract Review
 Provider Pricing Renegotiation
 Plan Conversion Guidance
 Plan Design Assistance
 Compliance Checklist
FIDUCIARY INVESTMENT REVIEW
CONSULTANT
 Fiduciary Fitness ProgramTM
 ScorecardSM
Fund Ranking
 Market Summary
 404(a)/404(c) Education
INVESTMENT PORTFOLIO STRATEGIST
 Investment Program Design Assistance
 Investment Policy Statement Guidance
 Monthly Performance Monitoring
 Quarterly Investment Review
PLAN EDUCATION SPECIALIST
 Highly Interactive Enrollment &
Participant Education Meetings
 Newsletters
 Educational Workshops
WFG’S COMMITMENT OF SERVICES
Our Commitment To You
LIFETIME STRATEGIES FOR LIFETIME CLIENTS
As a Retirement Plan Advisor, we are committed to providing our clients
with objective guidance regarding retirement plan solutions. From
investment analysis and due diligence to employee communications and
vendor fee benchmarking, our process-driven solutions seek to help
protect employers from corporate and personal financial liability, while
maximizing investment opportunities and improving overall plan value for
all stakeholders.
Every plan sponsor has unique goals and objectives. As your dedicated
consultant, Washington Financial Group (WFG) will create an ongoing
service plan specific to your needs.
The service cycle begins with a thorough review of your plan to help you
ensure total plan costs are relevant to the services being received. On an
ongoing basis, we will examine your plan features with ideas to improve
participation and operational efficiency.
MAXIMIZE PLAN EFFICIENCY
FIDUCIARY INVESTMENT REVIEW CONSULTANT
WFG helps you navigate fiduciary responsibility through robust,
systematic quantitative and qualitative investment analyses involving
detailed reports utilizing 15+ industry-standard analytical measurements.
Our due diligence process goes far beyond investment ratings and instead
focuses on a cyclical approach of investment selection, monitoring, and
ongoing documentation and review.
INVESTMENT PORTFOLIO STRATEGIST
Combining our expertise in retirement services with your specific
objectives, we strive to help you design an investment program
structured around meeting your business needs and helping your
participants address their retirement goals.
PLAN EDUCATION SPECIALIST
Through WFG’s comprehensive communication services, you can work to
increase participation, satisfaction, and understanding of asset allocation
and risk tolerance. These services also helps plan sponsors to address
404(c) requirements to provide adequate education about investing in
the company’s retirement plan.
Knowledge  Expertise  Ingenuity

3. RECORDKEEPING
 Participant-level recordkeeping/
accounting
 Employee & employer reports
 Tracking investment allocations/changes
& contribution changes
TECHNOLOGY SERVICES
 Services that enhance plan efficiency,
productivity, understanding & value
 State-of-the-art technology
 Web-based participant investment tools
 Web-based employer tools
EMPLOYEE COMMUNICATION
 Materials describing plan design &
investing
 Enrollment kits
 Payroll stuffers, posters, memos
 Newsletters
COMPLIANCE
 Plan document
 Summary Plan Description
 Annual 5500 & pertinent schedules
 ERISA plan audit (if applicable)
 Discrimination testing
INVESTMENT MANAGEMENT
 All available investment offerings,
including cash, income, hybrid & equity
investments
 Proprietary, sub-advised, retail & index
investments
COST
 Hard dollar fees that are a specific
amount - paid by the employer or
employees, including participant
recordkeeping, compliance, loan
administration, hardship & distribution
fees
 Soft dollar fees that are a specific
percentage - generally paid by
employees for investment management
expenses and to subsidize some or all of
the administrative fees
UNDERSTANDING
PLAN COMPONENTS
Understanding Plan Components
THE 6 ESSENTIAL COMPONENTS OF A PLAN
The diagram below and the sidebar to the left illustrate the essential
plan components that collectively define overall plan services. WFG
recommends only those plan providers who deliver product excellence in
all areas.
Knowledge  Expertise  Ingenuity

4. CORE COMPONENTS
 Investment Management
 Recordkeeping
 Total Plan Costs
 Technology Services
 Employee Communications
 Compliance
 Provider Capability
HIGHLIGHTS
 Executive Summary
 Side-by-side Comparison of Vendors
 Total Cost Analysis
 Investment Platform Ranking
RFPs & FEE BENCHMARKING
RFPs and Fee Benchmarking
EVALUATING PLAN PROVIDERS
Evaluating your current plan or looking for a new retirement plan
provider can be time consuming, cumbersome and downright frustrating.
WFG shoulders the responsibility for coordinating a process-driven plan
provider Request for Proposal (RFP), including collecting the quotes,
spreadsheeting the data, and recommending the most appropriate
providers for final selection by plan sponsor.
Through the process, corporate officers meet their fiduciary duty to
monitor plan fees and make important plan provider decisions, while
seeking to ensure the best possible plan at the most competitive cost for
participants.
Provider
Analysis
Timeline
Knowledge  Expertise  Ingenuity

5. COMPONENTS
The Fiduciary Fitness ProgramTM
components include:
 Program Report: a complete fiduciary audit focusing on the major
responsibilities and liabilities plan sponsors must manage. The report
helps demonstrate the procedural prudence required under ERISA.
 Reference Guide: a reference guide with flow charts, sample
checklists, notifications and disclosure calendars supporting the
information to be obtained and documented in the Program Report.
 Education Presentations: twelve presentations educating fiduciaries
on their responsibilities and liabilities and how to implement prudent
processes managing their retirement plan.
 ERISA Compliance Manual: the supporting document for the
program.
THE FIDUCIARY FITNESS PROGRAMTM
HELPS FIDUCIARIES & PLAN SPONSORS:
 Identify plan fiduciaries and their
specific responsibilities
 Understand the extent of their
fiduciary responsibilities
 Attempt to comply with ERISA 404(a)
& 404(c)
 Document the hiring process for
service providers and other vendors
 Identify parties of interest to the plan
and take steps to monitor transactions
with them
 Understand major exemptions under
ERISA that permit transactions with
parties of interest, especially those
key to plan operations (e.g., hiring
service providers and making plan
loans to participants)
 Review plan documents in light of
current plan operations and make
necessary updates
 Comply with reporting and disclosure
requirements
 Ensure that individuals are properly
bonded and covered by liability
insurance
FIDUCIARY FITNESS PROGRAMTM
Fiduciary Fitness ProgramTM
The Fiduciary Fitness ProgramTM
is an independent compliance tool used
to measure the health of a retirement plan and the ability of the plan’s
fiduciaries to operate in accordance with ERISA and the plan document.
The program provides resources as a means to identifying potential
weaknesses in your plan and strategies to remedy them through
education, diligence and process.
Knowledge  Expertise  Ingenuity

6. THE SCORECARDSM
SYSTEM
Our investment review is fueled by the ScorecardSM
System, which
includes the ranking of a plan’s investment options in approximately 14
asset classes. The scoring system is based on pass/fail criteria, on a scale
of 0 to 10 (with 10 being the best).
What makes our process leading edge is that it employs a complete
approach that takes into account risk-adjusted return characteristics,
style analysis, peer group rankings and various qualitative factors. This
approach is very similar to what the largest and most advanced
investment institutions in the world utilize, yet has been simplified so that
it may be used for all of our clients, regardless of size or sophistication.
FEATURES OF OUR SERVICES INCLUDE:
 ScorecardSM
System for Investment
Ranking
 Asset Allocation Investment
Monitoring
 Investment Analysis Reports
 Investment Policy Statement
 Quarterly Market Summary
INVESTMENT DUE DILIGENCE
Investment Due Diligence
Choosing and monitoring the appropriate investments offered in your
plan is a serious fiduciary task because it can impact a participant’s
retirement experience. Washington Financial Group provides
independent investment analysis to assist you with this important
responsibility.
Knowledge  Expertise  Ingenuity

7. Education & Communication
Washington Financial Group delivers proactive consulting solutions that
are comprehensive, compelling and technically proficient. As a result,
participants may be better informed about asset allocation and risk
tolerance and, most importantly, better prepared for retirement.
NEWSLETTERS & EMPLOYEE MEMOS:
 Monthly Plan Sponsor Newsletters
keep clients abreast of the latest
retirement plan news, legislative
updates, and industry trends
 Each newsletter includes Sample
Employee Memos that you can print
and distribute to employees
 Contributing writers and editors
represent a staff of one dozen
professionals with average industry
tenure greater than 10 years
EDUCATION & COMMUNICATION
Knowledge  Expertise  Ingenuity
*
*Pursuant to a separate Financial Planning Agreement with each participant.

8. Knowledge  Expertise  Ingenuity
Everything we do is focused toward enhancing the
retirement benefits of plan participants.
Our Commitment of Services to you and your plan
participants is comprehensive. We consider ourselves to be
your plan’s overall relationship manager and hope you will
view us not only as your advocate but also as an extension of
your company, focused on your unique goals and objectives.
Constant improvement is our strategic vision, and delivering
it to you and your plan participants in an effective fashion
that is consistent with your needs is our mission.
We are proud of our commitment to excellence and will
work hard to develop a strong and lasting partnership.
Securities offered through LPL Financial, Member FINRA/SIPC.
Constant Improvement
1410 Spring Hill Road, Suite 425
McLean, Virginia 22102
703.847.4500 ph
703.847.4320 fax
www.washfinancial.com