401(k), 403(b) and Profit Sharing Plans

Designed for start-up or existing plans with less than $2 million in assets. All plans receive:

• Daily valued recordkeeping, full compliance and administrative services
• Experienced client service team to assist with plan issues, investment monitoring and fiduciary responsibilities
• Multiple mutual fund options with no proprietary fund requirements

• Plan design consultation and BB&T prototype plan document
• Full compliance and administrative services with service guarantees
• State-of-the-art plan sponsor website with online reporting, compliance testing and participant account access
• Multiple fund options covering all major asset classes, investment policy statement and ongoing investment monitoring reports
• Trustee services and fiduciary support

• Personalized enrollment kits and online planning tools
• Toll-free Interactive Voice Response system and call center representatives
• Quarterly participant statements
• Personalized enrollment kits
• Morningstar Retirement Manager investment advisory services

Designed for plans with $2 million to $25 million in assets. Services include:

• A dedicated local consultant to assist you with plan design, investment monitoring, regulatory updates and overall plan servicing
• A dedicated analyst to oversee the daily operations of your plan
• A communication specialist to help develop an effective participant education strategy

• Plan design consulting, BB&T prototype plan document and summary plan description
• Assistance in maintaining a current Investment Policy Statement
• Daily valuations, contribution and distribution processing
• Full compliance and 5500 reporting package
• Online plan management and quarterly reports
• Fiduciary review and trend analysis

• Fully functional participant website, interactive voice response and call center operator assistance
• Customized enrollment books with plan highlights, fund fact sheets and worksheets
• Employee meetings and webinar services presented by communication specialists
• Targeted participant messaging and gap analysis to measure retirement readiness
• Online retirement planner and investment advice through ProNvest

Designed for plans with $25 million or more in plan assets. Our Signature clients can expect the highest level of services with dedicated, experienced, ERISA professionals providing:

• A highly skilled and credentialed BB&T consultant assigned to your plan as your primary contact
• Daily recordkeeping and administration for multiple contribution types, comprehensive compliance testing and eFAST 5500 reporting prepared by a senior analyst
• A customized employee communication plan prepared by a dedicated communication strategist who will monitor and measure retirement readiness
• Trustee and fiduciary services to help you maintain a compliant plan and keep current on regulatory changes

• BB&T prototype plan document or individually designed plan working with your outside counsel
• Plan sponsor website providing online reports, access to participant account information and administrative forms
• SunGard OmniPlus recordkeeping system with online beneficiary maintenance
• Optional administrative outsourcing of distribution authorization
• Open architecture fund selection, Target Date Funds, Stable Value funds and BB&T FDIC Insured Deposit Program, and in-plan retirement income annuity option
• Investment advisory services available through SHDR Investment Advisers, Inc., a subsidiary of BB&T

• Full services participant website, voice response system and call center opt-out
• Multimedia participant education seminars, enrollment guides and targeted communications to prepare participants for retirement
• Quarterly participant statements mailed to participant homes or delivered electronically
• Asset allocation tools, online retirement planner and investment advice through ProNvest

BB&T offers secure 24/7 online account management for plan sponsors and participants. Users can use their dedicated websites to do the following:

• View detailed, real-time plan-level data
• Examine balances by contribution source
• Review investment performance updated monthly
• Research available plan investments and pricing
• Access mutual fund prospectuses provided by Morningstar^TM

• Use interactive education and planning tools
• Modify contribution rates and investment elections
• Transfer and rebalance funds
• Access contribution, transfer and withdrawal history
• Research fund prospectuses, prices and performance
• Request investment advice through ProNvest