A successful 401(k) plan consists of proper compliance, flexibility and accessibility. Pentec, Inc., in conjunction with other organizations, can provide your company with full service, top-quality administration at a competitive price. Each company is unique! Pentec, Inc. can provide you with the support and expertise needed to identify the goals and expectations of your company and employees. Once your goals and expectations have been decided, Pentec, Inc. will design a plan tailored to meet your needs and implement the plan through a customized plan document or proper amendments to an existing plan document. Following implementation, your plan will be monitored to insure that it is in compliance with ERISA, DOL and IRS, through ongoing administration. Pentec, Inc.'s consulting and actuarial services relative to the ongoing administration of the plan consists of: Plan Documentation  Summary Plan Descriptions  Annual Valuation and Reporting Forms  Nondiscrimination Testing  Compliance Statement  Summary Annual Report  Audit of Census Data  Loan Administration  Calculation of Vested Benefits Payments  Employee understanding of the plan and participation in the plan measures the effectiveness of the plan. Employees will be provided with easy to understand communications, customized to your individual plan, to make effective enrollment choices. Once employees are enrolled, via enrollment meeting or internet, they are able to make investment choices, with the aid of educational materials, over a wide variety of investment options. As a participants' financial needs change, they have the accessibility, through 1 800 number or internet, to change their investment choices to better suit their needs. They also have the accessibility to monitor their investments on a daily basis and are provided with periodic participant statements. These organizations, in which Pentec, Inc. has joined to provide full service 401(k) plan administration under one umbrella are: ING John Hancock Transamerica Mass Mutual The Principal Group American Funds

Pentec, Inc. can also work with other organizations providing daily valued participant recordkeeping services. If after looking around you would like more information, feel free to send us e-mail, or call us.

Contact Information:

Pentec, Inc. 72 Queen Street PO Box 653 Southington, CT 06489 Phone: (860) 628-2555 Fax: (860) 628-5155

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