[topic 1]

Why Offer a 401k Plan?

Face it: Social Security won't provide you with enough income to retire on. And each of your employees (as well as most every other citizen in the United States) is in the same boat.

So our government created tax-incentives to encourage people to stockpile their own retirement money. The 401k is the most popular of these tax incentive packages:

-- The 401k lets people set aside the most amount of money each year (more than do IRAs, for instance).

-- The 401k frees individuals from a retirement sum defined by and under the sole control of their employers (as in traditional defined benefit retirement plans).

-- The 401k frees employers from footing the bill for their employees' retirements yet it retains the "benefit/perk" feel because, by law, a 401k can only be offered by an employer.

-- Participation in a 401k is voluntary and self-defined: The individual decides if and when to join the plan, how much to contribute, if, when and how much to adjust his/her contributions, how to invest his/her contributions, and more.

-- 401k contributions are automatically diverted from the individual's pay straight into his/her 401k account. Never laying your hands on money removes the temptation to spend rather than save it.

-- Money contributed to a 401k account ISN'T TAXED until it's withdrawn. That's a tax break each and every pay period.

-- Saving via a 401k can actually INCREASE your take-home pay (see example).

-- Investment returns on money contributed to a 401k account ISN'T TAXED until withdrawn. Instead, it's rolled right back into the 401k account to earn even more returns. This compounding effect means, other things being equal, that 401k accounts grow more quickly than accounts eaten at by capital gains and other taxation.

-- Most 401ks let individuals borrow from their 401k accounts for home purchases, education, medical bills and other major expenses. Thus, the money isn't inaccessible, it's just protected from taxation until you withdraw it.

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[topic 2]

Why Choose 401k Easy Online as that 401k Plan?

In short: Price, investment flexibility, and ease of use.

PRICE
401k Easy Online saves you money -- year, after year, after year. You'll save 10% or more a year with our Elite customization, which grants unbeatable investment and plan design flexibility (see below); you'll save significantly more (another 50% in many cases) using our Economy approach.

-- 401k Easy Online pricing starts at $565 a year (less your 10% ADI discount) for our Economy plans, and $845 a year (less your 10% ADI discount) for our Elite plans. Pricing within each category increases only with plan size.

-- At your plan's outset there is also a one-time setup fee. It does not vary with plan size or type, and it covers all kinds of 401k plan and 401k Easy Online portal customization services as well as substantial tech support, should you need it. See our Technical Support page and Pricing & Price Comparisons for more information.

-- Visit our Options page for a side-by-side comparison of our Economy versus Elite customization options; to instead have an overview pop-up in a secondary window so you don't lose your place within this window, click here.

-- All 401k Easy Online plans are covered by our money-back guarantee.

INVESTMENT FLEXIBILITY
Investment choice can make or break a 401k plan. No 401k beats 401k Easy Online's investment flexibility. Our Elite 401k grants unlimited investment flexibility: if it's legal, you can offer it. Even our Economy 401k gives you the choice of Schwab self-directed brokerage accounts or your choice of several top-name no-load mutual fund families.

-- Visit our Investments page for exact listings.

EASE OF USE
401k Easy Online is incredibly easy to use. Most small businesses can manage a 401k plan via 401k Easy Online in less than 20 minutes a month.

401k Easy Online menus are simple, self-explanatory, and reflect your plan's EXACT customized parameters. Your plan-specific online Sponsor Gateway and Participant Gateway are live 24-7 with all processing occurring on the spot. Pages load quickly. A high speed Internet connection is NOT required. This is not only nice for you when you're interacting with the system, it also means your employees can join the plan, gather information about it, choose and amend investment designations, etc., on their own time from their own Internet connections rather than on company time from your office Internet connections.

-- Try our free demo to see for yourself.

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[topic 3]

The 401k Easy Online Price Advantage

As mentioned above, 401k Easy Online saves you money, lots of money. How much depends on which level of customization you want:

-- Our Economy 401k pricing starts at just $495 a year ($349 for one-person plans). Most small businesses will save 60% to 80% every year by choosing our Economy 401k instead of a competing plan, yet sacrifice very little, if anything, in the way of plan options or investment flexibility.

-- Our Elite 401k pricing starts at $995 a year ($549 for one-person plans). That's still less than most competing products, none of which offer the investment and plan design flexibility (see above) found in 401k Easy Online Elite.

Visit our Pricing & Price Comparisons page for complete price lists as well as links to a chart comparing the customization differences between our Economy and Elite plans.

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[topic 4]

The 401k Easy Online Investment Advantage

As mentioned above, 401k Easy Online offers unsurpassed investment flexibility.

-- Our Economy 401k let's you choose either a single family of no-load mutual funds or self-directed brokerage accounts (Schwab, Ameritrade) for your company 401k plan. Visit our Investments page to access specific listings of potential investments.

-- Our Elite 401k let's you choose as many no-load mutual fund families as you want PLUS you can add in self-directed brokerage accounts, too, at no extra charge. Visit our Investments page to access specific listings of potential investments.

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[topic 5]

401k Easy Online's Quick Access Advantage

With 401k Easy Online, you and your employees can access your 401k at any time from any Internet connection. All activity and information is up to date and right at your fingertips. You're never at the mercy of customer service hours, processing cycles or other bottlenecks common to traditional 401k administration.

You not only reap convenience from quick access but also, potentially, financial benefits: When processing is more expedient, 401k contributions can reach their intended investments more quickly and can thus start earning investment returns more quickly. Just an extra day or two of investment a month can compound over the years into quite a sum.

Visit our Plan Sponsor Gateway page and Plan Participant Gateway page to read about the specific features and capabilities available for your online plan management and participation as well as about the security each gateway affords.

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[topic 6]

How Online Self-Service Plan Management & Participation Work

401k Easy Online is incredibly easy to use. Menus are intuitive. ONLY functions relevant to your customized plan are present. Best of all, the system is highly automated and does most of the work for you.

You upload basic employee data into your customized Plan Sponsor Gateway. The system determines which employees are eligible to participate in the plan, and then services and monitors their participation for you, fulfilling requests they submit via the Plan Participant Gateway for information, enrollment, personal information updates, and more. About all you need to do is feed in payroll data each month and click a few processing buttons.

Visit our 401k Easy Online Demo page to try things out. The demo version has been customized to service a fictitious company's plan and has nearly all potential features operational.

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[topic 7]

Features for Plan Sponsors

401k Easy Online is designed to make life easy for plan sponsors while letting them save thousands of dollars each year by adopting self-service 401k plan management:

-- Your plan management duties are highly automated (remember, we customize your system to service your EXACT 401k plan). Most small business plans can be run via 401k Easy Online in less than 20 minutes a month.

-- There's content-sensitive help, plus live technical support.

-- You can customize processing (such as 401k Easy Online's Reports functions) by highlighting any of certain data fields.

-- Employees access information and participation directly, so you never have to be bothered.

-- The system is populated with elements that not only make 401k life convenient for you and your employees, but that also help your plan meet its federal 404c requirements.

-- Access is not tied to your company's computers, it's tied to user IDs and passwords. That means you can manage your plan even when on the go -- and there's no reason for employees to use payroll hours to access the system; they can do so just as easily on their own time from their own homes.

-- You can use the system to communicate with employees en mass or individually.

Visit this website's Plan Sponsor Gateway page for a more extensive summary of the features we've built into 401k Easy Online for our plan sponsors.

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[topic 8]

Features for Plan Participants

401k Easy Online lets plan participants serve themselves to their 401k account activity and information — at any time, day or night, from any location connected to the Internet.

-- 401k Easy Online self-service plan participation gives eligible employees on-the-spot access to enrolling in the plan, updating personal information and investment designations, viewing/printing activity reports and account statements, and 401k loan, transfer and distribution modeling and/or new submissions (each as applicable), among other things.

-- General as well as plan-specific investment information is available at a mouse click.

-- Self-service plan participation is extremely convenient for plan participants and can greatly boost plan participation rates.

Visit our Plan Participant Gateway page for more information.

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[topic 9]

Journalistic Praise for the 401k Easy Family of Products

Both Plan Sponsor Magazine and The Wall Street Journal have praised our 401k products for their innovation, ease of use, and practicality.

-- The Wall Street Journal said upon launch of our flagship product, 401(k) Easy for the PC, "...(it) allows small businesses to manage 401k plans as easily as a consumer navigates family finances with programs such as Quicken." (12/29/99, C1).

-- 401k Easy Online is more powerful yet easier for most companies to use than 401(k) Easy for the PC because our online version lets plan participants help themselves to activity and information, rather than having to go through you. 401(k) Easy for the PC, however, is even less expensive, and is often the most suitable product for very small companies.

-- For a quick comparison of 401k Easy Online versus 401(k) Easy for the PC, click here.

-- Contact us if you'd like access to our Press Room and its substantial library of 401k-related articles.

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[topic 10]

Try the System Out for Free

Visit our 401k Easy Online Demo page to try out 401k Easy Online. The demo version has been customized to service a fictitious company's plan and has nearly all potential features operational.

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