2014 is Saturna Capital's 25th Anniversary

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401(k) Plan Services

Saturna Capital Corporation is there every step of the way from implementation to the annual continuing education meeting. We provide professional guidance for plan design, document preparation, plan setup, company census, employee enrollment and continuing education. All services listed below are included in the Saturna 401(k) plan.

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Services Benefits
Implementation

Checkbox Prototype plan and trust agreement

Pre-approved by the Internal Revenue Service

Checkbox Standardized adoption agreement

Simple, yet flexible to meet your plan needs

Checkbox Summary Plan Description

Informs employees about the plan

Administration & Recordkeeping

Checkbox Processing of contributions, distributions, loan, hardship withdrawals, vesting and investment selections

Simplifies plan management

Checkbox Daily valuation of plan assets

Know the current value of your assets, 24/7

Checkbox Annual non-discrimination and compliance testing

Helps you ensure the qualified status of your plan

Checkbox Preparation of Forms 1099R, 5500, and 8955-SSA

Makes tax reporting easier

Employee Online Tools, Education and Support

Checkbox Online statements and account management

Know how employee accounts are doing, 24/7

Checkbox Traditional plus Roth 401(k) options

Flexibility to maximize your savings

Checkbox Nine no-load Saturna mutual funds

Two families of funds with several investment objectives to help you meet your investing goals

Checkbox Self-directed discount brokerage accounts

Wide selection of investments to help build your future

Checkbox Online tools for investment selection

Select investments that meet your needs

Checkbox Dedicated toll-free phone and email support

Customer care for you

Employer Support

Checkbox Online reporting, plan summary and transaction detals

Bird's eye view of your plan, 24/7

Checkbox Signature-ready Form 5500 for IRS reporting

Saves you time with key document preparation

Checkbox Dedicated Client Relationship Manager

Ensures your current and future needs are met

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The Saturna Advantage

Establish your 401(k) with Saturna Capital to take advantage of:

A Wide Range of Investment Choices

We offer a selection of Saturna no-load mutual funds with a variety of investment objectives. By investing in more than one fund, employees can tailor their 401(k) accounts to reflect their own risk and return objectives. In addition, employees are permitted to open self-directed discount brokerage accounts and buy common stocks, bonds, and other securities of their choosing.

Personalized Service

At Saturna Capital, we help make investing for retirement easy. Plan information is available online 24/7 to employees and their employers. Employees may also call Saturna's toll free phone number during business hours for inquiries or transactions. Employers are assigned a dedicated client relationship manager to assist with plan administration.

A Simple, Affordable Price

Saturna Capital Corporation recognizes its responsibilities to the plans it services and keeps aggregate plan expenses fair and reasonable. The annual fee is $750 plus .25% of total year-end plan assets. There are generally no per-employee fees.¹

Employers should know that some plan service providers may receive compensation from mutual funds or asset managers for promoting specific products. Saturna Capital has elected to provide employers with a credit of .25% of total year-end assets held in Saturna-affiliated mutual funds to help reduce costs.

Full Fee Disclosure

At Saturna Capital, we understand the importance of fully disclosing all fees associated with servicing a 401(k) plan. A detailed fee schedule for the Saturna Capital 401(k) plan is provided here. The schedule lists all employer and employee fees as well as all payments made to Saturna Capital and Saturna Brokerage Services in conjunction with servicing its plans.

A Full-Service Arrangement

The Saturna Capital 401(k) plan is a full-service arrangement. Our plans minimize the services of outside providers, as work from recordkeeping to investment management to marketing is done by Saturna's staff. Full-service arrangements eliminate the need for employers to deal with and monitor multiple service providers. This eases the employer's burden to consider any potential conflicts of interest that may arise when using multiple providers.

¹ Some special employee transactions incur additional fees. Refer to the fee schedule for more details.