Retirement Strategies A Program Guide for Plan Sponsors A plan with purpose MassMutual presents Hartford Aviator ® Full service The Hartford Aviator retirement program offers a broad menu of plan investment options through a group variable annuity contract or funding agreement issued by Hartford Life Insurance Company and administered by MassMutual. Let MassMutual’s combination of strength and experience provide you a retirement plan with purpose. The strength of MassMutual 1 • Financial strength ratings among the highest in any industry • Mutual structure enables long-term focus on client needs • More than $440 billion in assets under management • FORTUNE ® Magazine ranking 94 out of 500 in 2013 Retirement Services experience 1 • More than 65 years in the Retirement plans business • Over $120 billion in assets under management • More than 40,000 plans representing over 3 million participants FOR PLAN SPONSOR USE ONLY. Continued 1 Data as of Jan. 2013 Contracts issued by Hartford Life Insurance Company. Contracts are administered by Massachusetts Mutual Life Insurance Company. EJ
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Retirement Strategies
A Program Guide for Plan Sponsors
A plan with purposeMassMutual presents Hartford Aviator®
Full service The Hartford Aviator retirement program offers a broad menu of plan investment options through a group variable annuity contract or funding agreement issued by Hartford Life Insurance Company and administered by MassMutual.
Let MassMutual’s combination of strength and experience provide you a retirement plan with purpose.
Investment options provided by the following well-known fund companies:
Fund families may vary based on share class availability or program. Plans may select a maximum of 40 investment choices. Please request a sales proposal for more information.
Morningstar® Retirement ManagerSM is offered by and is the property of Morningstar Associates, LLC, a registered investment advisor and wholly owned subsidiary of Morningstar, Inc., and is intended for use by citizens and legal residents of the United States and its territories. The Morningstar name and logo are the property of Morningstar, Inc. Morningstar Associates is not affiliated with MassMutual or The Hartford or their affiliates.
1 Additional fees may apply based on the services and features in your plan.2 We reserve the right to assess an additional Annual Maintenance Fee of up to $400 if annual contributions fall below the minimum in the Contract Underwriting Requirements. Please see your Disclosure Statement - Reasonable Contract or Arrangement under ERISA Section 408(b)(2) for details.
Fee schedule1
One-time plan installation fee $1,000
Installation fee is waived when plan assets exceed $1,000,000 or average participant balance exceeds $50,000
Annual maintenance fee
Average Participant Account Value Fee Up to $49,999 $1,500
$50,000 and up $0
Maintenance fee is waived when plan assets exceed $10,000,000
Annual per participant fee
Average Participant Account Value FeeUp to $9,999 $30
$10,000 to $24,999 $20
$25,000 to $49,999 $10
$50,000 and up $0
Loan and Distribution Fees Fee Distribution $25
Loan set up $50
Loan maintenance $6 quarterly
Optional Trustee Services $400 annually
Underwriting requirements2
•10 participants and at least $100,000 in annual contributions
or
•10 participants and at least $200,000 in plan assets and $50,000 in annual contributions
Plan administration• Experiencedclientserviceteams
Contracts issued by Hartford Life Insurance Company. Contracts are administered by Massachusetts Mutual Life Insurance Company.
The information contained in this proposal is not intended or written as specific legal or tax advice and may not be relied on for purposes of avoiding any federal tax penalties. Neither MassMutual or The Hartford nor any of its employees or representatives is authorized to give legal or tax advice. You must rely on the advice of your own legal and/or tax counsel.
The Hartford Aviator® program is funded by a group variable funding agreement (Form series HL-20326) issued by Hartford Life Insurance Company, Simsbury, CT (not available in PA, WA and WI). The Form HL- 20326 series includes state variations. The Hartford Aviator® I program is funded by a group variable annuity contract (Form Series HL 20325) issued by Hartford Life Insurance Company, Simsbury, CT. The Form HL- 20325 series includes state variations. Hartford Aviator® is a registered trademark of Hartford Fire Insurance Company (“HFIC”), a subsidiary of The Hartford, and is used under license with HFIC.
Investors should consider an investment’s objectives, risks, charges and expenses carefully before investing. For this and other information, see the applicable prospectus (and/or summary prospectuses, if available) for the investment options listed available from your financial professional or our website. Read them carefully before investing.
Fiduciary coverage under the Fiduciary Assure program is offered by Mesirow Financial, which is not affiliated with MassMutual, The Hartford or their affiliates. Mesirow Financial refers to Mesirow Financial Holdings, Inc. and its divisions, subsidiaries and affiliates. Advisory services offered through Mesirow Financial Investment Management, Inc., an SEC-registered investment advisor.
NOT A BANK OR CREDIT UNION DEPOSIT OR OBLIGATION • NOT FDIC OR NCUA INSURED • MAY GO DOWN IN VALUE • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY ANY BANK OR CREDIT UNION
For additional information, including a proposal that contains the most current program information and fees, contact your financial professional, your local MassMutual representative or call 1-800-874-2502, option 4.
