11According to a study by Financial Engines® (http://corp.financialengines.com/employer/ FinancialEngines-2014-Help-Report.pdf), Help participants, on average, experienced median annual returns over 3% (332 basis points) higher than Non-Help participants, net of fees, over the period of 2006-2012. Additional retirement savings is a hypothetical calculation based on a beginning salary of $40,000, with an annual salary increase of 2.5%, and a 10% annual retirement contribution of the annual salary. The calculation assumes a 7.5 percent annual return and a 4.5 percent annual return. The hypothetical calculation is for illustrative purposes only. Actual results may vary based on changes to assumptions and investment performance.
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