Sponsor E-News

April 2015
In this issue:

• Expanded Participant Call Center Hours
• Market Commentary
• Investor Education
• Upcoming Compliance Tasks

March 2015
In this issue:

• Fiduciary Focus Series to Debut in Sponsor E­News
• Choose Your Ideal Retirement Bracket  Giveaway Resonates With Plan Participants
• Rebound in Spending on Services  Paints Brighter Consumer Outlook
• Alternating Market Leadership
• Applying the Fiduciary Standard of Care When Approving Plan Distributions

February 2015
In this issue:  

• Enhancement to the Payroll Validator
• "Choose Your Ideal Retirement"  Facebook Bracket Giveaway
• Ready or Not: Baby Boomers Are  Revolutionizing Retirement
• Addressing Risks and Rewards from  Normalizing Markets
• Things You Need to Know to Ride Out  a Volatile Stock Market
• Mitigating Fiduciary Risk through  Routine Drills

January 2015
In this issue:  

• Primary Contact: A Reminder to  Update Your Personal Profile
• Transamerica Cited as a  "Best Place to Work"
• The IRS Saver's Credit Could Help  Plan Participants at Tax Time
• U.S. Labor Markets and Shifting Focus
• Rebalance to Help Stay on Course
• Monitoring Your Forfeiture Account Balance

December 2014
In this issue:   

• Retire OnTrack Participant Communications  Program Posts Successful 2014 ^__ More to  Come in 2015
• Plan Ahead With Our Compliance Calendar
• U.S. Healthier, But Not Immune to Rest  of World
• Put Your Lunch Money to Work for  Your Retirement
• Introduce Your Participants to the Benefits of  Catch­up Contributions

November 2014
In this issue:

• New ART App Helps Participants  Boost Savings
• Reminders for Depositing Plan Contributions
• The Lessons of October
• Retirement Reality Check: Loss Happens
• Document Restatement Underway for  Pre­Approved Defined Contribution Plans

October 2014
In this issue:

• Reminder to Distribute Annual Participant  Fee Disclosures
• The Retirement Readiness Challenge: Five  Ways Employers Can Improve Their 401(k)s
• America's Next Chapter: Renaissance  or Decline?
• Investing During Uncertain Times
• 2015 Pension Plan Limits Announced
  

September 2014
In this issue:

• Updated Distribution Forms for Your  Plan Participants
• Your Online Document Center Offers  New Reports
• National Save 4 Retirement Week
• Market & Economic Outlook
• What can you put away each month?   

August 2014
In this issue:

• New Procedures Initiated to Protect  High­Asset Plan Withdrawals 
• Transamerica is on Facebook and so are  Your Employees!
• The Perception Problem for U.S. Equities
• Is the Market Really More Volatile  than Before? 
• Required Minimum Distributions: Tax  Considerations for Employees Age 69+    

July 2014
In this issue:

• A "Best in Class" Experience
• Transamerica's Automatic Rollover IRA Option
• Q2 2014 Economic Overview
• Ways to help meet your retirement income needs
• Fidelity Bonds: What are the Requirements?

June 2014
In this issue:

• Resetting the date for your annual participant fee disclosure
• JP Morgan discusses what's going on in the bond market
• Dollar cost averaging: A time-tested strategy for all markets
• IRS issues additional guidance on the repeal of DOMA

May 2014
In this issue:

• Transamerica's educational webinars can help prepare participants for a successful retirement
• Retirement readiness among three generations: Baby Boomers, Generation X, and Millennials
• How to update changes in your participants' data
• Despite weak first quarter, U.S. economy shows potential to rebound
• How to prepare for an audit

April 2014
In this issue:

• An easier way to file your Form 5500
• Defining the "signing authority" for Form 5500
• Interest rates and the economy
• Diversified investing never goes out of style
• Monitoring your forfeiture account balance

March 2014
In this issue:

• Transamerica introduces new video aboutretirement readiness
• New study about women and retirement
• Happy birthday, bull market
• 10 easy ways to save
• Coming soon: Required restatement of pre-approved definedcontribution plan documents
• 401(k) Plan committee meetings can bevaluable plan management tools 

February 2014
In this issue:  

• Transamerica launchesAmerica Saves WeekFacebook promotion
• Virtual Hold now available in Spanish 
• Is the consumer borrowing cyclefinally starting? 
• Withdrawing too much in retirement limits howlong your savings last 
• Evaluating the evaluator: How to select aplan auditor

January 2014
In this issue:

• A generation under pressure: The retirement outlook of twentysomethings around the world
• Survey predicts participant engagement through improved customization and
  enhanced mobile technology by 2017
• U.S. economy set for stronger growth phase
• Income for what's next
  
• Good governance for mutual fund investments
  

December 2013
In this issue:

• Participant communication campaigns more robust and engaging in 2014
• Fed tapering likely in early 2014
• Blackrock piece on the effects of inflation
• Plan ahead with our compliance calendar
• IRS issues guidance on reducing or suspending Safe Harbor contributions during plan year
  

November 2013
In this issue:

• Timeliness of participant loan repayments
• Webinar helps plan sponsors raise awareness of need for retirement readiness
• Economic growth matched by slow rise  in rates
• Grow your portfolio by focusing on what you can control
• 2014 pension plan limits announced
• Preparing for the 2013 plan year-end compliance reporting

October 2013
In this issue:

• Transamerica Center for Retirement Studies Announces Major Expansion
• Transamerica Center for Retirement Studies Introduces New Survey Tool for Employers
• Defined Contribution Plans Evolve with Greater Emphasis on Retirement Readiness
• A Closer Look at the Recent Government Shutdown  
• Numbers Trump Emotions
• Introduce Your Participants to the Benefits of Catch-up Contributions

September 2013
In this issue:

• Latest Supreme Court Decision on Defense of Marriage Act
• Your Plan's Investment Choices  
• Save Retirement!
• Implications of Larry Summers' Withdrawal
• The Return Reality
• Required Minimum Distributions: Tax Considerations for Employees Age 69+

August 2013
In this issue:

• How to become a "Power Planner"
• Participant data changes
• Solid U.S. Manufacturing in July Points to Faster Economic Growth
• Investor Education
• Help Reduce Fiduciary Risk by Including a QDIA in Your Plan

July 2013
In this issue:

• On Track for Retirement? There's an App for That
• 2013 Outlook for Bond Portfolios - A Long-term Strategy
• DOL Issues Guidance Related to "Re-setting" Participant Fee Disclosure Due Date
• Impact of U.S. Supreme Court Defense of Marriage Act Ruling on Retirement Plans

June 2013
In this issue:

• Update on Participant Disclosure Regulations
• Target Date Investments - Tips from the DOL
• Investor Concerns Increase, but an Early Fed Shift Remains Unlikely
• Tax-deferred Investing Can Make a Big Difference
• Legislative and Regulatory Landscape: 2013

May 2013
In this issue:

• Good Governance for Mutual Fund Investments
• New Research Highlights Strength of EmployerSponsored Retirement Plans
• Consumer Confidence
• What can you put away each month?
• Fidelity Bonds: What are the Requirements?

April 2013
In this issue:

• 2013 annual participant fee disclosure preparations
• U.S. labor markets continue to heal
• The penalty for missing the market
• Study reveals women's views on retirement planning and saving
 

March 2013
In this issue:

• Creating more super savers for retirement
• Introducing OnTrack^® for plan participants
• Know Your forfeiture options
• Markets upbeat, but some economic pieces missing
• The benefits of asset allocation
• Upcoming compliance tasks

February 2013
In this issue:

• More ways to connect with Transamerica
• New participant communication campaign
• Remind participants about the Saver's Credit
• Interpreting the rally
• Staying invested
• Upcoming compliance tasks

January 2013
In this issue:

• Transamerica awarded 84 "Best in Class" Cups by PLANSPONSOR^® Magazine
• Monitoring your forfeiture account balance
• In-Plan Roth conversions and the American Taxpayer Relief Act of 2012
• From fiscal cliff to spending slope
• The importance of a financial plan
• Upcoming compliance tasks
  

December 2012
In this issue:

• Introducing our new brand: Transamerica Retirement Solutions
• Some signs of life in employment and the Chinese economy
• Legislative and regulatory landscape for 2012-2013
• Hurricane Sandy Relief

November 2012
In this issue:

• Web Connect offers participants the option to schedule a call directly with Transamerica
• Deposit information available online
• Investing in the wake of the election
• 2013 Pension Plan Limits

October 2012
In this issue:  

• Consider an education  policy statement to guide your educational strategy
• 401(k) Day Campaign to inspire your employees   
• The Federal Reserve's plan
• Staying committed to diversification
• Participant fee disclosure requirements for investment changes

September 2012
In this issue:

• Transamerica's Websites Ranked #1
• Investment Commentary by BlackRock
• Tap the power of stocks
• The Next Phase of Fee   Disclosure - Your Ongoing   Responsibilities
• Consider the Benefits of a   Roth 401(k) Option

August 2012
In this issue:

• Annual Participant Notice Season is Coming
• Europe's Problems and   Lessons for the U.S.
• Could Your Plan Benefit from   a Safe Harbor Design?
• How Fee Disclosure   Regulations Affect Participant   Statements

June 2012
In this issue:

• Help on Retirement Planning
• Increasing Participants Deferral Rates
• Monthly Market Insight from BlackRock and Janus
• Update on Participant Disclosure Regulations

May 2012
In this issue: 

• Reminder to Update Your Personal Profile 
• Your Online Document Center
• 2nd Quarter Market Summary
• Investor Education
• Legislative and Regulatory Landscape: 2012

April 2012
In this issue:

• Enhancements to loan and online distribution processes
• Five brighten your retirement outlook seminars
• The time between too early and too late
• Withdrawal rate and asset allocation strategy
• Participant fee disclosure support

March 2012
In this issue:   

• Transamerica On Facebook   
• Transamerica Center for Retirement Studies^® survey focuses on women
• 2011 Compliance testing
• Market insight from experts at American Century and Legg Mason
• Leased employees in your plan

February 2012
In this issue:   

• Worth A Look online
• Updated enrollment forms for your plan's investment line-up
• U.S. economy possibly poised to expand
• Transamerica prepares to distribute 408(b)(2) Fee Disclosures in April
• Upcoming Compliance Tasks 
  

January 2012
In this issue:  

• Helping employees RENEW their commitment to retirement planning
• eKits tutorial
• Investing in 2012
• Rebalancing to keep on track
• News on 408(b)(2) Fee Disclosure

December 2011
In this issue:

• Transamerica honored by PLANSPONSOR^® Magazine
• Your 2012 education plan
• Market insight
• Savers credit reminder
• Compliance calendar

November 2011
In this issue:

• Expanded investment choices for your retirement plan
• Action plan for early retirement
• Q3 Earnings Signal "Guarded Optimism"
• Update on the Service Provider to Plan Fiduciary Fee Disclosure

October 2011
In this issue:

• Six key ingredients to a"perfect" 401(k) plan
• 401(k) success stories
• Monthly market insights from American Century and American Funds
• New retirement plan savings limits for 2012

September 2011
In this issue:   

• Enhancements to the investment choice change process
• Online Education Planner for retirement
• Behind the recent market sell-off
• A penny saved or a penny invested?
• Benefits of a Roth 401(k) Option

August 2011
In this issue:   

• Eighth annual client satisfaction survey
• What the S&P downgrade may mean to investors
• The resilience of the U.S. stock market
• The benefits of catch-up contribution
• IRS compliance checks

July 2011
In this issue:

• DALBAR recognition for TRS websites
• Electronic delivery of plan statements
• New 401(k) Day materials
• U.S. debt ceiling and deficit negotiations
• J.P. Morgan Funds monthly update
• Benefits of a safe harbor plan design

June 2011
In this issue:

• Transamerica Retirement Solutions on Facebook
• Fast, easy access to investment notices
• Monthly market insight
• Planning the withdrawal of your retirement assets
• DOL extends transition period for providing initial participant fee disclosure notice

May 2011
In this issue:

• New market coverage videos from the Wall Street Journal
• Enhanced audit assistance available to large plan filers
• Reminder from American Century to "Look Beyond the Short Term"
• Legg Mason teaches us to "Learning from the Lessons of Time"
• Guide to regulatory and legislative initiatives for 2011

April 2011
In this issue:

• Tutorial on online resources
• Primary contact info reminder
• Economic impact of recent global events
• Advantage funds worksheet from Wells Fargo
• Requirements for fidelity bonds

March 2011
In this issue:

• TRS mobile enroller for participants
• Enhanced audit assistance for large plan filers
• 2010 compliance testing
• Investment perspective from Wells Fargo
• Diversification^__a prudent strategy by Legg Mason
• Social Security tax cut

February 2011
In this issue:

• e-Confirmations
• Saver's credit education campaign
• Sponsor Exchange: an opportunity for sharing success stories
• Impact of liquidity on the markets
• Market rebounds outlasted declines
• Date extension for ERISA 408(b)(2) fee disclosure

January 2011
In this issue:

• Transamerica's "Best in Class" ratings in client satisfaction analysis
• Introducing participant education emails
• Monthly Market Insight from J.P. Morgan
• Five reasons why equities make sense now from MainStay Investments
• Impact of education attainment on retirement planning

December 2010
In this issue:

• Retirement Savings e-Tips
• Accessing Your Year-end Compliance
• Testing Results
• Monthly Market Insight
• Forfeitures - Know Your Options
• 2011 Compliance Calendar

November 2010
In this issue:

• Introducing the Transamerica Institute
    for Retirement Readiness
• Transamerica's new education planner
• Saver's credit reminder
• "Economic Growth, Company Earnings, and Uncertainty," by American Century
• "The rewards of diversified long-term investing," by Legg Mason
• Cost of living adjustments for 2011

October 2010
In this issue:

• Online report eEnhancements
• The importance of an investment policy statement
• DIA's third quarter review
• Cost of living adjustments for 2010
• Temporary waiver of required minimum distributions (RMDs) rules

September 2010
In this issue:

• Online guides to ERISA fee disclosures
• Transamerica's 7th Annual Client Satisfaction Survey
• Why individual investment behavior should help sustain the recovery
• Mitigating fiduciary risk through routine drills

August 2010
In this issue:

• Online delivery of account statements for participants
• Primary contact: a reminder about your role
• Communication survey feedback
• The danger of chasing performance
• New ERISA regulations affecting fee disclosures

July 2010
In this issue:

• Convenient online tools: participant distribution check status, form wizard & Web/phone statistics
• Transamerica makes 401(k) day a multimedia event
• CFO Magazine gives Transamerica's website top rankings
• What's ahead in 2010: an investment perspective
• Is safe harbor design the right fit for your plan?

June 2010
In this issue:

• Educating yourself on the Web with e-services
• Market Roundup from Wells Fargo Advantage Funds/Evergreen Investments
• Taking the long-term view in weathering market changes
• Filing Form 5500 electronically

May 2010
In this issue:

• TRS' newly expanded mobile capabilities
• New research from the non-profit Transamerica Center for Retirement Studies^®
• How Greece's financial crisis is driving market volatility
• T. Rowe Price's educational piece: "Does Diversification Still Work?"
• Requirements for fidelity bonds
• Compliance calendar

April 2010
In this issue:

• Making changes to your plan's investment line-up using our online services
• First quarter economic and market review
• How interest rates affect bond values
• IRS electronic filing and Simplified Form 5500 information
• Plan sponsor's guide to fiduciary responsibility

March 2010
In this issue:

• Benefits of the payroll validator
• Redesign of quarterly participant newsletter, Worth A Look
• TRS Web sites receive prestigious DALBAR award
• Current market update for the week ending March 26, 2010
• Illustration regarding how portfolios need to rebalanced to account for market shifts
• Signing authority for Form 5500

February 2010
In this issue:

• Investment Scorecards to help keep your plan's investment selection on track
• Wells Fargo/Evergreen Investments article on how the economic recovery appears to be gaining momentum
• Oppenheimer Funds article on the historical pattern of markets quickly rebounding after recessions
• Regulatory agency updates that affect your plan
• DOL requirements for the electronic filing of Form 5500

January 2010
In this issue:

• 38 "Best in Class" ratings for Transamerica in the Annual Chatham Client Satisfaction Analysis
• Online enhancements for improved plan management efficiency, including PDF, CSV options for key reports
• Information on accessing the most current distribution forms and special tax notice
• Industry experts on the financial scene that unfolded in 2009
• Information on using the electronic filing process for Form 5500
  

December 2009
In this issue:

• Improvements to our message center
• iPhone and iPod Touch access for participants
• 4th quarter investment directions from BlackRock
• Planning a successful retirement from Oppenheimer Funds
• Environmentally friendly year-end testing results now online
• Compliance calendar for 2010

November 2009
In this issue:

• Newly enhanced enrollment workbook featuring new look, streamlined enrollment forms, and an intuitive three-step enrollment process
• Share your success stories with other sponsors through Sponsor Exchange
• Hopeful news about an end to the recession—plus suggestions for addressing participants' concerns in the interim
• Top honors for Transamerica from PLANSPONSOR^® Magazine's 2009 Defined Contribution Survey
• How to convert paid time off into plan contributions while avoiding complications
• Further guidance from the IRS for Roth IRA rollover distributions 

October 2009
In this issue:

• Transamerica's new online report enhancements to help you save time while keeping informed
• Customizable Investment Policy Statement template
• Recent news about the economy from Federal Reserve Chairman Ben Bernanke
• Informative perspective on diversifying assets with "target date" investments Cost of Living Adjustments for 2010
• Details about the temporary waiver of required Minimum Distributions for 2009
• DOL's new enforcement project targeting untimely contribution remittance

September 2009
In this issue:

• Chatham Partners launches TRS client satisfaction survey
• New Web chat feature provides live help through TRS Web site
• New participant tools that supplement RECOVER Plan
• Market commentary from Evergreen's John K. Lynch
• Analysis of diversification strategy from Legg Mason
• Advantages and costs of a Safe Harbor plan

August 2009
In this issue:

• Online conveniences to save you time when managing your plan
• Transamerica Web sites earn recognition from DALBAR's DC Web Monitor
• Environmentally-friendly practices of Transamerica; also, how you can join us as we "go green"
• Monthly Market Insight—July market review from Diversified Investment Advisors and some practical examples of investment strategy from Pioneer Investments
• Knowing the difference between loan defaults and deemed distributions to keep your plan in compliance

July 2009
In this issue:

• New Market Resource Center—an online resource that provides helpful investment information, updates and educational tools
• 401(k) plan fee disclosure update—Department of Labor and Congressional status, as well as Transamerica's efforts
• Upcoming 401(k) Day planning resources
• Market Insight—J.P. Morgan provides a second quarter review; also, a participant guide for getting back to investment basics, courtesy of Legg Mason
• Transamerica's Fiduciary Management Program—helping you manage your fiduciary responsibilities
• Tax break for retirement plan savings

June 2009
In this issue:

• Enhanced customized investment reports to help you keep up with your plan's investment offerings
• Perspective on the strength of your plan's provider
• May 2009 Market Review
• Investing for the long-term.
• Misconceptions about the appropriate timeliness when submitting D.O.L. Employee Deferral Remittances
  

May 2009
In this issue:

• Our due diligence process—helping you more efficiently fulfill your fiduciary responsibilities as a plan sponsor
• Innovative automatic enrollment solutions to improve your plan's participation potential and ease of administration
• Current signs of an economic recovery
• Investing in today's stock market
• Deciding whether to end your company's contribution match program
• Important facts about filing a Form 5500—understanding the difference between small plans and large plans

April 2009
In this issue:

• Results from The Center for Retirement Studies' research on attitudes toward retirement savings
• Determining the role that Social Security benefits will play in your retirement planning
• New online tutorials to ease distribution and loan processing for your plan
• Independent analyses of the securities markets from two industry-leading investment management companies
• Deciding if automatic enrollment is right for you plan

March 2009
In this issue:

• Participants continue to stay active and involved in their retirement planning despite economy
• Four new online tools to make information-gathering easier than ever
• BlackRock Investment Inc.'s forward-looking market analysis
• Alliance Bernstein provides historical perspective on market volatility
• Guidelines for choosing the right auditor for your plan
• Transamerica Center for Retirement Studies shares its expertise with the U.S. House of Representatives
• Compliance Calendar — information you need to keep your plan up to date and in order

February 2009
In this issue:

• Taking control of retirement planning — for you and your participants
• Upcoming, important deadlines for filings and declarations in our "Compliance Calendar"
• Transamerica's RECOVER Plan, a unique workshop designed to assist participants in understanding current market conditions and keeping their retirement savings on course
• "Market Insight" — a closer look at diversifying your portfolio
• From our experts — the latest updates to the compliance testing process on the changes to tax treatment that begin with the 2008 plan year

January 2009
In this issue:

• Downloadable Compliance Calendar, designed to help you stay on top of your plan's compliance requirements
• Our many "Best in Class" ratings from the annual Chatham Partners 2008 Client Satisfaction Survey
• "Monthly Market Insight" — valuable guidance for any investor
• The U.S. Department of Labor's Guide to Savings Fitness for your participants
• Online tutorials, including our "Sponsor Online User Guide"
• Summary of the recent legislation of the Worker, Retiree, and Employer Recovery Act of 2008 to help you better understand its effect on Required Minimum Distributions (RMD)

December 2008
In this issue:

• Financial education article from PLANSPONSOR^® Magazine
• Why an Investment Policy Statement is important to your plan
• Educational perspective piece on the market ups and downs we have weathered lately
• Reinventing retirement article from one of our affiliates, SecurePath by Transamerica
• Downloadable 2009 Compliance Calendar to help you manage your compliance duties throughout the upcoming year

November 2008
In this issue:

• Two pieces from our investment management companies in our Market Perspectives
• Transamerica is honored again in PLANSPONSOR^® Magazine's 2008 Defined Contribution Survey
• Update on ratings for Transamerica companies by Moody's, Fitch and Standard & Poor's
• Our third quarter Economy Made Simple presentation
• Retirement Savings Contributions Credit, or Saver's Credit, including a helpful flyer for your participants
• The IRS's recently proposed regulations on the distribution of participant account balances in excess of $5,000

October 2008
In this issue:

• Educational tools that explain investing principles and the economy to help your participants understand the recent market volatility
• Supreme Court's recent ruling on the La Rue v. DeWolff, Boberg & Associates, Inc. case and its possible effects on plan sponsors
• Keeping tabs on the Required Minimum Distributions events that occur each year when participants turn 70½
• A handy table based on the IRS' new Cost of Living Adjustments for 2009 so you can see if any of the limits affect your plan

September 2008
In this issue:

• Discussion of the financial strength of AEGON and Transamerica, including our ratings from AM Best, Moody's, Fitch and S&P
• Compilation of the recent developments affecting U.S. based financial institutions for you to share with your participants
• SponsorConnect,^sm the dedicated resource center for your evolving needs as a plan sponsor
• Update from the Transamerica Center for Retirement Studies regarding participant fee disclosure for participant directed-individual account plans subject to ERISA
• Exploration of EGTRRA and its impact on plan documents, which will clarify the steps associated with your plan's restatement

August 2008
In this issue:

• Transamerica Retirement Solutions 5th annual client satisfaction survey
• "Weathering Market Volatility," which can help investors navigate through these uncertain financial times, by Fidelity Investments
• Article worth sharing with your participants, "Building Dreams," to encourage them to keep saving for retirement
• Recent enhancements made to our Web site
• 401(k) Day, dedicated to educating employees about the benefits of a retirement savings account
• Discussion of U.S. Department of Labor (DOL) audits and how to be prepared if the DOL decides to audit your plan

July 2008
In this issue:

• Helping participants deal with the rough stock market conditions
• Ideas for investments that offer some protection against future inflation, from one of our investment management companies
• How Barron Manufacturing was able to nearly double plan participation and increase their ability to attract and retain quality employees by enhancing their company matching program
• Department Of Labor Releases 401(k) Fee Disclosure Proposal that would enhance disclosure of fees and expenses for 401(k) participants

June 2008
In this issue:

• Proposed fee disclosure efforts on Capitol Hill
• New enhancements to our participant statement to help your participants better understand their 401(k) plan at a glance
• Plan participation, employee retention and the benefits of sponsoring a retirement plan
• Recent technical corrections to Qualified Default Investment Alternative final regulations published by the U.S. Department of Labor
• Compliance Quarterly: Qualified Deferred Investment Alternative Update

May 2008
In this issue:

• "Dollar Cost Averaging" — educational series from one of our investment management companies
• The benefits of having Online Enrollment as a part of your retirement plan
• Maintaining Beneficiary Designation Forms — important information to help ensure that you are handling this responsibility effectively as a sponsor
• Knowing when a Domestic Relations Order is a Qualified Domestic Relations Order

April 2008
In this issue:

• Handling market fluctuations
• Department of Labor directives for planning fiduciaries who are trying to locate missing participants and what they can do if the participants remain unfound
• Engaging your younger employees to join your retirement plan
• Transamerica's first place "Eddy Award" for our enrollment and education kit

March 2008
In this issue:

• New enrollment kit with enhancements that make it easier for your participants to join your plan
• New quarterly feature to help you keep up to date on compliance topics associated with running a retirement plan
• Updated market volatility brochure for you to share with your participants
• Coverage on The Ninth Annual Transamerica Retirement Survey, a national survey of employers and workers regarding their sentiments towards retirement

February 2008
In this issue:

• Quarterly market review presentation: Market Review Made Simple
• Plan level reports on our Web site
• Upcoming compliance and legislative deadlines for March and April
• Privacy and Transamerica's commitment to keeping you and your participants' data safe

January 2008
In this issue:

• Results from the recent Client Satisfaction Survey conducted by Chatham Partners, an independent research firm
• Fiduciary Focus on prohibited transactions, including those regarding asset transfers, self-dealing, kickbacks and more
• More updates on the Qualified Default Investment Alternative regulations that were issued in late 2007
• S&P articles that address recent market volatility and market commentary for fourth quarter 2007

December 2007
In this issue:

• Recent Web site enhancements
• Fiduciary Focus — examination of prohibited transactions involving goods, services and facilities
• Results from the annual Plansponsor Magazine survey

November 2007
In this issue:

• Available investment calculators on our Web site — your participants' answer to retirement planning
• Cost of Living Adjustments for 2008 and how they affect statutory limits for retirement plans
• New education seminar to help your participants plan for retirement
• Reminding your employees about the Saver's Credit
• Update on the new Department of Labor (DOL) Qualified Default Investment Alternative (QDIA) regulations that came out on October 24th
  

October 2007
In this issue:

• Investment Policy Statements and their importance to your plan
• Required Minimum Distributions events that occur each year when you have participants turning 70½
• Prohibited transactions that result from sales, exchanges or leases between a qualified plan and a party in interest
• Web site resources on Transamerica.com
  

September 2007
In this issue:

• Prohibited transactions regarding parties of interest and prohibited transactions as defined by ERISA
• Virtual Hold, our new call center feature aimed at reducing the amount of wait time during high-volume call periods
• Understanding the differences between Loan Defaults and Deemed Distributions

August 2007
In this issue:

• The fundamental obligations that a fiduciary owes ERISA
• Spotlight on our Service Standards
• Q2 quarterly market commentary from the experts at Standard & Poor's to provide you with more insight on stock and bond markets
• Safe Harbor Plan information
• Promotional materials that can help you communicate the benefits of your company's retirement plan to your employees

July 2007
In this issue:

• Fidelity bonds and their importance to your plan
• Limitations on plan fiduciary status
• Quality education strategies from Transamerica Retirement Solutions education consultants
• Tools to help your participants understand their Personal Rate of Return

June 2007
In this issue:

• How the Transamerica Investment Monitor provides support to you in fulfilling your fiduciary duties
• Understanding the functional definition of a fiduciary so that you will know who is — and is not — a fiduciary for your plan
• Filing an extension for Form 5500

May 2007
In this issue:

• Fiduciary Focus — a new article series intended to help you identify your retirement plan's fiduciaries and help them better understand their responsibilities
• Information to help you through Form 5500 and audit season
• How participants can make changes to their account via TransDirect, our participant phone system
• Instructions for using the Payroll Validator, our online contribution remittance feature

April 2007
In this issue:

• The Eighth Annual Transamerica Retirement Survey, a national survey of employers and workers about their sentiments towards retirement
• Highlights of the resources available at www.TA-Retirement.com

March 2007
In this issue:

• Using the online distribution feature to provide many benefits to both you and your participants, which can be added to your plan at no additional cost
• Brief description of some of the measures that Transamerica Retirement Solutions has implemented to protect the privacy and security of your plan's information
• Managing your annual testing results
• Information on the Saver's Tax Credit

February 2007
In this issue:

• Adding an online enrollment to your plan at no cost
• Important dates to know in March and April
• How to view your Investment Scorecard and add funds on http://www.ta-retirement.com/
• How our Participant Contact Center can help your participants
• Update on the Pension Protection Act (PPA) participant statement enhancements

January 2007
In this issue:

• Recent name changes to the investment choices in our retirement plan products
• Important dates and events in the first quarter
• Transamerica's variety of award-winning educational tools
• Annual Compliance Calendar and Annual Elective Benefit Limits