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Managed Mutual Fund Portfolios and/or Investment Advisory Services

Managed Mutual Fund portfolios are a great way to establish an assortment of investments all while having the reassurance that their progress is being monitored. Portfolios are held directly by an asset custodian (investment provider) and managed by a professional financial advisor. Your financial advisor will manage your mutual fund portfolio on an ongoing basis, designing an investment plan specific to your unique goals. For this reason, there is an additional management fee associated with your portfolio. Be sure to consider the advisory fees of each different investment provider before investing. Consider your short-term and/or long-term investment goals. Is your objective to invest conservatively or aggressively? Once you choose a Managed Mutual Fund portfolio, your financial advisor will have the understood authority to continually manage your diversified portfolio based on your desired risk tolerance.

VALIC (Salaried and Commission Representatives)

Guided Portfolio Services (GPS) - GPS Portfolio Advisor: No-cost investment advisory service ("do it yourself" comprehensive advisory service) - GPS Portfolio Manager: Asset Based advisory service ("do it for me model") - GPS Portfolio Manager includes; Wealth Forecasting, Allocation and Fund Selection, On-going fund management, Investment lineup monitoring, On-going portfolio monitoring and allocation optimization.
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Fee Descriptions for Products

Product Name: Guided Portfolio Services - GPS Portfolio Advisor
Investment Advisory Service
Expense Ratio: N/A
Other Fees: $0.00 (online advisory support at no cost to the participant)
Third Party Administration Fee: N/A
Annual Fees for a $10,000 Portfolio: $0.00
Online Advisory Service Only

Product Name: Guided Portfolio Services - GPS Portfolio Manager
Investment Advisory Service
Expense Ratio: N/A
Other Fees: 0.45% - 0.60% (Advisory Fee depending on account size)
Third Party Administration Fee: N/A
Annual Fees for a $10,000 Portfolio: $60.00
Service Only

PlanMember (Fee-Based and/or Commission-Based Advisor)

1. Elite Index Portfolios: (I, II, III, IV, V) 2. Elite Hybrid Portfolio: (I, II, III, IV, V) - Objectives range from stability of principal and inflation protection to maximum long term growth.
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Fee Descriptions for Products

Product Name: Elite Index Portfolios
Expense Ratio: 0.10% - 0.11%
Other Fees: 1% - 1.50% (Investment Advisory Fee)
$50.00 (Acct service fee if under $100,000)
Third Party Administration Fee: TPA fees paid by PlanMember
Annual Fees for a $10,000 Portfolio: $159.90 to $210.84

Product Name: Elite Hybrid Portfolios
Expense Ratio: 0.15% - 0.37%
Other Fees: 1% - 1.50% (Investment Advisory Fee)
$50.00 (Acct service fee if under $100,000)
Third Party Administration Fee: TPA fees paid by PlanMember
Annual Fees for a $10,000 Portfolio: $164.85 to $236.45

The Legend Group (Fee-Based and/or Commission-Based)

Access to professional portfolio management utilizing no-load or load-waived mutual funds within your account through Legend Advisory, LLC, an affiliated registered investment adviser.* Legend Advisory's discretionary advisory programs include a series of portfolios with risk objectives that range from conservative to aggressive. Discretionary advisory programs available to MRIC participants include Strategic Asset Management (SAM®) and Sam® Select, Freemark, and Strategic Asset Rebalancing Solution (STARS). A non-discretionary adviser-directed program, Legend Choice, is also available to participants.
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Fee Descriptions for Products

GLP & Associates, Inc. (Fee-Based and/or Commission-Based Advisor)

Two sets of five model portfolios are available. Each set includes professionally managed portfolios built using a combination of load-waived, no-load and institutional fund share classes. These are selected using a proprietary process from Asset Allocation Strategies, LLC our RIA Firm. Models rage from Capital Preservation to Aggressive Growth. - AAS "Blended" Models, are composed of both actively managed and passive mutual funds - AAS "Index" Models, are cost controlled passive mutual funds using different fund complexes. AAS index models became active as a new product offering as of 1/01/17. Personal assistance and core retirement planning is available from the IAR assigned to each school district.
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Fee Descriptions for Products

Product Name: AAS(b) - Index
Expense Ratio: 0.10% - 0.12%
Other Fees: 1% (Investment Advisory Fee), 0.15% Custodial Fee, $25 Annual Account Fee
Third Party Administration Fee: TPA fees paid by GLP
Annual Fees for a $10,000 Portfolio: $149.89 to $151.86

Product Name: AAS(b) - Blended
Expense Ratio: 0.48% - 0.66%
Other Fees: 1% (Investment Advisory Fee), 0.15% Custodial Fee, $25 Annual Account Fee
Third Party Administration Fee: TPA fees paid by GLP
Annual Fees for a $10,000 Portfolio: $187.45 to $205.24

MEA Financial Services/Paradigm Equities, Inc.* (Commission-Based Advisor)

1. GoalMaker: Allows participants to choose from 12 different model portfolios based on your investment style and number of years before retirement. GoalMaker is available in Plans 7000 and 6978. *Securities offered through Paradigm Equities, Inc. a wholly owned subsidiary of MEA Financial Services
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Fee Descriptions for Products

Product Name: Plan 7000 Mutual Fund Program
Expense Ratio: 0.22% - 1.82%
Other Fees: MEA FS is able to offer Plan 7000 without these fees as part of a compensation arrangement with investment product partners that includes numerous, other non-related MRIC programs offered by MEA FS.
Third Party Administration Fee: $16.50
Annual Fees for a $10,000 Portfolio: $38.50 to $198.50

Midwest Capital Advisors (Fee-Only Advisor)

Two unique model portfolio options, each of which include professionally constructed and managed, risk-based model allocations that are diversified across and within appropriate asset classes. Models range from Very Conservative to Very Aggressive and include the following: MCA Actively Managed Models, which are composed of active and passive mutual funds MCA Index Models, which are composed of Vanguard index mutual funds On request and at no additional charge, advisor will assist participants with retirement planning, including which model is appropriate for their particular circumstances. All mutual funds are either no-load or are loadwaived.
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Fee Descriptions for Products

Product Name: MCA Actively Managed Mutual Fund Portfolios
Expense Ratio: 0.36% - 0.63%
Other Fees: 0.45% (Asset fee)
Third Party Administration Fee: $16.50
Annual Fees for a $10,000 Portfolio: $97.34 - $124.22

Product Name: MCA Index Mutual Fund Portfolios
Expense Ratio: 0.08% - 0.09%
Other Fees: 0.45% (Asset fee)
Third Party Administration Fee: $16.50
Annual Fees for a $10,000 Portfolio: $69.46 - $70.46

Product Name: MCA Select Mutual Funds
Expense Ratio: 0.05% - 1.57%
Other Fees: 0.45% (Asset fee)
Third Party Administration Fee: $16.50
Annual Fees for a $10,000 Portfolio: $66.48 - $217.79

Annuity Platform

How would you like the peace of mind knowing you'll have guaranteed income after retirement? An annuity can do just that! Within the MRIC 403(b) and 457(b) investment plans, annuities are products that provide a stream of income for its investor based on the return earned and the amount of deposited.

There are two types of annuities: fixed and variable. With a fixed annuity, the investment provider (insurance company) can guarantee a specific monetary disbursement to the investor (accountholder) based on the initial investment. The investor can receive same payment for the life of the contract and this makes fixed annuities popular among those nearing retirement. Fixed annuities have a specific rate of interest for a certain timeframe. On the other hand, when variable annuities are purchased from an investment provider, investments are made into sub accounts of the investors' choosing. The sub-accounts are similar in nature to mutual funds and can be very diverse. The investor could receive higher payments depending on performance of these sub-accounts. Variable annuities offer a greater opportunity for growth, but they also have higher risks.

One thing both types of annuities have in common are the additional fees associated with these accounts. Fixed and variable annuities include many different expenses in order to guarantee income for life. When comparing investment providers, be sure to ask for a "break down" of fees included in the contract. Here are some of the most common: insurance charges, the mortality and expense fees (also called M&E fees), administrative fees, distribution fees, management fees, surrender charges and early withdrawal fees. A financial representative assisting you is normally compensated from a portion of the fees paid. There may also be wrap fees, riders, and optional feature fees. We encourage you to obtain an itemized list of expenses.

VALIC (Salaried and Commission Representatives)

Portfolio Director (Fixed and Variable TaxDeferred Annuity) - No annual fee, front sales, or surrender charge for plan distributions. - 61 Variable Sub Accounts. - 2 fixed accounts - Offers ability to pay guaranteed income, but does not require annuitization as well offers dozens of annuity payments including; Lifetime, Joint and Survivor, Designated Amount, Designated Period, Systematic Withdrawals, etc.
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Fee Descriptions for Products

Product Name: Portfolio Director Fixed and Variable Annuity
Expense Ratio: 0.00% - 1.25%
Other Fees: 0.75% - 1.25% (Separate Acct Fee includes mortality guarantee, amount varies by fund and does not apply to fixed account investments)
- Surrender charge of 5% of last 5 years deposits for internal exchanges with other MRIC vendors
Third Party Administration Fee: $16.50
Annual Fees for a $10,000 Portfolio: $16.50 to $264.94

PlanMember (Fee-Based and/or Commission-Based Advisor)

3. AILIC GreatFlex 6 (Flexible premium fixed annuity) 4. AXA Equitable EQUI-VEST (Flexible premium variable annuity) 5. Symetra Daily Value Fixed Account (Flexible premium group fixed annuity) SecureDesigns product is closed to new investors. Available only for account conversions to PlanMember during transitional period of April 26th 2016 through June 30th 2016. The Symetra Daily Value Fixed annuity is only available for employers that had a signed and funded group annuity contract prior to February 1, 2017. You may contact PlanMember to see if this product is available through your employer.
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Fee Descriptions for Products

Product Name: AXA Equitable EQUI-VEST® Series 201 Variable Annuity
Expense Ratio: 0.62% - 1.43%
Other Fees: 0.95% Mortality and Expense
0.25% Other Expenses
Lower of $30 or 2% of account value (see fact sheet) waived at $25,000
5% over the free withdrawal amount, waivers may apply (Withdrawal Charge)
Third Party Administration Fee: TPA fees paid by PlanMember
Annual Fees for a $10,000 Portfolio: $211.26 to $291.28

Product Name: Annuity Investors Life GreatFlex 6℠ Fixed Annuity
Expense Ratio: N/A
Other Fees: Six Year Withdrawal Charge 9% - 0%
Benefit responsive (no withdrawal charge) if 7 years in contact, age 55,
and separated from service.
Third Party Administration Fee: TPA fees paid by PlanMember
Annual Fees for a $10,000 Portfolio: Not able to be reported

Product Name: Symetra Daily Value Fixed Annuity
Expense Ratio: N/A
Other Fees: N/A
Third Party Administration Fee: TPA fees paid by PlanMember
Annual Fees for a $10,000 Portfolio: Not able to be reported

The Legend Group (Fee-Based and/or Commission-Based)

Access to a selection of fixed and variable annuities to 403(b) plan participants. Security Benefit SecureDesigns is an unbundled, multi-manager variable annuity that can be customized by purchasing additional riders to help meet specific and individual needs. SecureDesigns product is closed to new investors as of Dec 31, 2016. *Securities offered through Lincoln Investment Planning, LLC.
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GLP & Associates, Inc. (Fee-Based and/or Commission-Based Advisor)

Voya Quintaflex II (Flexible premium fixed annuity) with interest rate bonus and benefit sensitive features. National Life Group Paramount 5 (Flexible premium equity indexed annuity) with interest rate bonus and option for a guaranteed life income rider (GLIR). National Life Group Marquee 8 (Single premium equity indexed annuity) with interest rate bonus and option for a guaranteed life income rider (GLIR).
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Fee Descriptions for Products

Product Name: Voya Quintaflex II
Expense Ratio: 0.00%
Other Fees: Interest rate bonus in the 1st 12 months. Nursing Home Waiver: Yes, if annuitant confined to qualified facility for at least 60 days after contract (or certificate) issue date. Free Withdrawal Provision: Available every 12 months, the greater of 10% of the unloaned Contract Value or the Purchase Payments no longer subject to withdrawal charges.
5 Year Withdraw charge 7% -0%
Third Party Administration Fee: TPA Fees Paid by GLP
Annual Fees for a $10,000 Portfolio: $0.00

Product Name: National Life Group Paramount 5
Expense Ratio: 0.00%
Other Fees: 5% Immediate Interest Credit on all net premiums received in the first seven Policy Years.
10% of accumulation value available after the first policy year as permitted by law. You must maintain at least $2,500 in the annuity to keep it in force.
Guaranteed Lifetime Income Rider, for an additional cost (0.70%) Nursing Care Benefit Rider at no additional cost.
Surrender Fees - 10 year 10%-0%
Third Party Administration Fee: TPA Fees Paid by GLP
Annual Fees for a $10,000 Portfolio: $70.00 with GLIR

Product Name: National Life Group Marquee 8
Expense Ratio: 0.00%
Other Fees: 8% Immediate Interest Credit on all net premiums received in the first seven Policy Years.
10% of accumulation value available after the first policy year as permitted by law. You must maintain at least $2,500 in the annuity to keep it in force.
Guaranteed Lifetime Income Rider, for an additional cost (0.90%)
Nursing Care Benefit Rider at no additional cost.
Surrender Fees - 10 year 10%-0%
Third Party Administration Fee: TPA Fees Paid by GLP
Annual Fees for a $10,000 Portfolio: $90.00 with GLIR

MEA Financial Services/Paradigm Equities, Inc.* (Commission-Based Advisor)

2. Program 6978 Group Annuity Contract: Fixed and Variable Annuity *Securities offered through Paradigm Equities, Inc. a wholly owned subsidiary of MEA Financial Services
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Fee Descriptions for Products

Product Name: Program 6978 Group Annuity Contract
Expense Ratio: 0.47% - 1.25%
Other Fees: 1% (Mortality and Expense Fee)
Third Party Administration Fee: $16.50
Annual Fees for a $10,000 Portfolio: $163.03 to $240.25

Midwest Capital Advisors (Fee-Only Advisor)

Not Offered
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Fee Descriptions for Products

Product Name: Not Offered
Expense Ratio: N/A
Other Fees: N/A
Third Party Administration Fee: N/A
Annual Fees for a $10,000 Portfolio: N/A

Mutual Fund Platform

The Open Architecture Platform is a listing of mutual funds that an investor can choose from. You would have the opportunity to determine which investments and allocation of money are ideal for your specific needs. There are many different funds to invest in and each of them has their own unique qualities. Some are great for capital growth, some are best for income after retirement, and others offer lower risks. Since open architecture platforms are not overseen by a professional portfolio manager, it is critical the investor evaluate their investment goals and closely review the different funds. If an investor would like the assistance of a financial advisor in order to manage the mutual funds, it is available at an additional cost.

Mutual funds are a great way to get diversification for your portfolio. You can invest in money-markets, stocks, bonds, as well as other securities. The main type of mutual fund is open-ended. This means you can buy and sell it at any time. There are also "load" and "no-load" mutual funds. Load funds tend to carry a sales commission for the purchase of the mutual fund but no-load funds do not. Here are some of the other associated fees: management fee, the 12(b)-1 fee, custodial fees (or account maintenance fees), as well as the sub TA fee.

When narrowing down your choices, be sure to inquire if the mutual fund(s) comes in a low cost version. We also strongly encourage you to obtain some sort of itemized list of expenses as well as gain a favorable understanding of any potential fee associated with the mutual fund. This list of expenses can be found in the prospectus given to you at the time of investment.

VALIC (Salaried and Commission Representatives)

Profile - choose from 85 No-Load mutual funds and a fixed annuity. -VALIC participants are afforded the opportunity to engage Guided Portfolio Services an independent third party advisory service to assist in the process of selecting a welldiversified portfolio.
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Fee Descriptions for Products

Product Name: Profile Mutual Funds and Fixed Annuity
Expense Ratio: 0.00% - 1.52%
Other Fees: $40 (Custodial fee)
Third Party Administration Fee: $16.50
Annual Fees for a $10,000 Portfolio: $56.50 to $208.50

PlanMember (Fee-Based and/or Commission-Based Advisor)

6. PlanMember Select - More than 500 mutual funds with PlanMember Financial Advisor selection assistance. Retirement Share Classes. 7. PlanMember Direct - Investors select and manage their own investments. More than 200 noload and load-waived mutual funds. Preference product is closed to new investors. Available only for account conversions to PlanMember during transitional period of April 26th 2016 through June 30th 2016.
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Fee Descriptions for Products

Product Name: Select: American Funds Growth Fund of America R3 - RGACX
Expense Ratio: 0.98%
Other Fees: $50.00 (Acct service fee if under $100,000)
Third Party Administration Fee: TPA fees paid by PlanMember
Annual Fees for a $10,000 Portfolio: $148.00

Product Name: Select: Franklin Income Fund A - FKINX
Expense Ratio: 0.61%
Other Fees: $50.00 (Acct service fee if under $100,000)
Third Party Administration Fee: TPA fees paid by PlanMember
Annual Fees for a $10,000 Portfolio: $111.00

The Legend Group (Fee-Based and/or Commission-Based)

Access on a commission basis to over 50 different mutual fund families and thousands of individual mutual funds in one account. *Securities offered through Lincoln Investment Planning, LLC
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GLP & Associates, Inc. (Fee-Based and/or Commission-Based Advisor)

This solution uses a combination of either A share or R share mutual funds selected using a proprietary screening process from our Registered Investment Adviser, Asset Allocation Strategies, LLC. Representatives are given a menu of over 300 A share funds and +A4:G11over 200 R share funds from well-known mutual fund families from which to select. Investors are given a risk profile that allows the GLP Investment Services Representative to build a well-diversified risk-based portfolio for participants called Ramp.
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Fee Descriptions for Products

Product Name: Franklin Income Fund A - FKINX
Expense Ratio: 0.61%
Other Fees: Recordkeeping Fee - 0.15% annually
Custodial fee - $25 annually
Third Party Administration Fee: TPA Fees Paid by GLP
Annual Fees for a $10,000 Portfolio: $100.91

Product Name: American Funds Growth Fund of America R3 - RGACX
Expense Ratio: 0.98%
Other Fees: Recordkeeping Fee - 0.15% annually
Custodial fee - $25 annually
Third Party Administration Fee: TPA Fees Paid by GLP
Annual Fees for a $10,000 Portfolio: $136.86

MEA Financial Services/Paradigm Equities, Inc.* (Commission-Based Advisor)

3. Plan 7000: 134 mutual funds available from 24 fund families. Choose individual funds or develop a portfolio with assistance from an MEA Financial Services representative. *Securities offered through Paradigm Equities, Inc. a wholly owned subsidiary of MEA Financial Services
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Fee Descriptions for Products

Product Name: Plan 7000
Expense Ratio: N/A
Other Fees: N/A
Third Party Administration Fee: $16.50
Annual Fees for a $10,000 Portfolio: N/A

Midwest Capital Advisors (Fee-Only Advisor)

Select Funds Self-Directed Option: Participants allocate their plan assets themselves using funds that have been researched as being "best in the class" from a cost, performance and risk standpoint. The investment options include funds from all major asset classes. Universe Self-Directed Option: Research, allocate, monitor and rebalance on your own using funds from over 20,000 mutual funds and approx. 480 fund families.
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Fee Descriptions for Products

Product Name: Metropolitan Total Return Bond - MWTIX
Expense Ratio: 0.44%
Other Fees: 0.45% (Asset fee)
Third Party Administration Fee: $16.50
Annual Fees for a $10,000 Portfolio: $105.30

Product Name: Franklin Growth Adv - FCGAX
Expense Ratio: 0.65%
Other Fees: 0.45% (Asset fee)
Third Party Administration Fee: $16.50
Annual Fees for a $10,000 Portfolio: $124.21

DISCLAIMER: Investment performance is not guaranteed. Past performance may not be a good predictor of future performance. Investment values will and may be worth more or less than the original amount invested at any point in time. All data should be used as a hypothetical representation of these comparisons. These portfolios may assume equal weightings and have not been audited by a third party and should not be relied upon to make an investment decision but used to get a general understanding of how the portfolios have performed. These returns should only be used to hypothetically compare results.