Receiving Electronic Statements To Improve Retiree Earnings Act

S. 1321 / H.R. 2823, "Affordable Retirement Advice Act" S. 1861 / H.R. 3499, "Automatic IRA Act" S. 2505 / H.R.4294, "SAVERS Act of 2015" S. 3471 - The "Retirement Enhancement and Savings Act of 2016" H.R. 2055 / S. 868 - "Lifetime Income Disclosure Act" H.R. 4610 / S. 3417 (114th)- "Receiving Electronic Statements To Improve Retiree Earnings Act (RETIRE) Act" H.R. 4523 - "Automatic Retirement Plan Act of 2017" H.R. 4524 - "Retirement Plan Simplification and Enhancement Act of 2017" H.R. 4637 - "Small Business Add Value for Employees (SAVE) Act". H.J. Res 66, Disapproving the rule submitted by the Department of Labor relating to savings arrangements established by States for non-governmental employees H.J. Res. 67, Disapproving the rule submitted by the Department of Labor relating to savings arrangements established by qualified State political subdivisions for non-governmental employees. Dept. of Labor, final rule adding Section 2520.104(b)-1(c) - Electronic Distribution of Disclosures Required by Title 1 of ERISA, 75 FR 19285 (4/7/11). Dept. of Labor, final rule amending Section 2509, 2510, and 2550 - Definition of term "fiduciary"; conflict of interest rule - retirement investment advice (4/8/16). Dept. of Labor proposed rule amending Section 2550.404a-4 - Selection of Insurers to provide guaranteed retirement income- safe harbor for individual account plans. Presidential Memorandum on Fiduciary Duty Rule, February 03, 2017. The Retirement Improvements and Savings Enhancements Act of 2017, a proposal from Senator Wyden.

Client expense: $590,000 · Firm income: Not reported

Government targets: Commodity Futures Trading Commission (CFTC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of

H.R. 1 - Tax Cuts and Jobs Act; provisions relating to retirement savings products, 401(k)s, pension coverage H.R. 355 - Protecting American Families Retirement Advice Act; entire bill H.R. 1083 - American Savings Account Act of 2017; entire bill H.R. 2030 - Savings Enhancement by Alleviating Leakage in 401(k) Savings (SEAL) Act; entire bill H.R. 2823 - Affordable Retirement Advice for Savers Act; entire bill H.R. 3758 - Senior $afe Act of 2017; entire bill H.R. 3857 - Protecting Advice for Small Savers Act of 2017 or PASS Act of 2017; entire bill H.R. 4523 - Automatic Retirement Plan Act of 2017; entire bill H.R. 4524 - Retirement Plan Simplification and Enhancement Act of 2017; entire bill H.R. 4604 - Increasing Access to a Secure Retirement Act of 2017; entire bill H.R. 4610 - Receiving Electronic Statements to Improve Retiree Earnings Act; entire bill H.R. 4737 - Small businesses Add Value for employees Act of 2017 or SAVE Act; entire bill S. 223 - Senior $afe Act of 2017; entire bill S. 940 - Shrinking Emergency Account Losses (SEAL) Act of 2017; entire bill S. 1035 - Preserve Rights Of States and Political subdivisions to Encourage Retirement Savings Act (PROSPERS Act); entire bill S. 1321 - A bill to amend the Employee Retirement Income Security Act of 1974 to ensure that retirement investors receive advice in their best interests; entire bill S. 1379 - Graduate Student Savings Act of 2017; entire bill S. 1383 - Retirement Security Act of 2017; entire bill S. 1463 - A Bill to Amend the Financial Stability Act of 2010 to Modify the Term of the Independent Member of the Financial Stability Oversight Council; entire bill S. 1861 - Automatic IRA Act of 2017; entire bill S. 2155 - Economic Growth, Regulatory Relief and Consumer Protection Act; provisions relating to international insurance standards; provisions relating to Senior$afe Act S. 3417 - Receiving Electronic Statements To Improve Retiree Earnings Act; entire bill

S. 254 / H.R. 506, "Automatic IRA Act", a bill to amend the Internal Revenue Code to promote and simplify Qualified Plans. S. 2505 / H.R.4294 - SAVERS Act of 2015 S. 2502/ H.R. 4293, Affordable Retirement Advice Act H.R. 4067, "Small Business Add Value for Employees Act". H.R. 2117, "Retirement Plan Simplification and Enhancement Act of 2013". H.R. 2656 / S. 3417 Receiving Electronic Statements To Improve Retiree Earnings Act (RETIRE) Act H.J. Res 66, Disapproving the rule submitted by the Department of Labor relating to savings arrangements established by States for non-governmental employees H.J. Res. 67, Disapproving the rule submitted by the Department of Labor relating to savings arrangements established by qualified State political subdivisions for non-governmental employees. Dept. of Labor, final rule adding Section 2520.104(b)-1(c) - Electronic Distribution of Disclosures Required by Title 1 of ERISA, 75 FR 19285 (4/7/11). Dept. of Labor, final rule amending Section 2509, 2510, and 2550 - Definition of term "fiduciary"; conflict of interest rule - retirement investment advice (4/8/16). Dept. of Labor proposed rule amending Section 2550.404a-4 - Selection of Insurers to provide guaranteed retirement income- safe harbor for individual account plans. Presidential Memorandum on Fiduciary Duty Rule, February 03, 2017. S. 1295 - the Retirement Improvements and Savings Enhancements Act of 2017, a proposal.

Client expense: $1,590,000 · Firm income: Not reported

S. 254 / H.R. 506, "Automatic IRA Act", a bill to amend the Internal Revenue Code to promote and simplify Qualified Plans. S. 2505 / H.R.4294 - SAVERS Act of 2015 S. 2502/ H.R. 4293, Affordable Retirement Advice Act H.R. 4067, "Small Business Add Value for Employees Act". H.R. 2117, "Retirement Plan Simplification and Enhancement Act of 2013". H.R. 2656 / S. 3417 Receiving Electronic Statements To Improve Retiree Earnings Act (RETIRE) Act H.J. Res 66, Disapproving the rule submitted by the Department of Labor relating to savings arrangements established by States for non-governmental employees H.J. Res. 67, Disapproving the rule submitted by the Department of Labor relating to savings arrangements established by qualified State political subdivisions for non-governmental employees. Dept. of Labor, final rule adding Section 2520.104(b)-1(c) - Electronic Distribution of Disclosures Required by Title 1 of ERISA, 75 FR 19285 (4/7/11). Dept. of Labor, final rule amending Section 2509, 2510, and 2550 - Definition of term "fiduciary"; conflict of interest rule - retirement investment advice (4/8/16). Dept. of Labor proposed rule amending Section 2550.404a-4 - Selection of Insurers to provide guaranteed retirement income- safe harbor for individual account plans. Presidential Memorandum on Fiduciary Duty Rule, February 03, 2017. No bill number - the Retirement Improvements and Savings Enhancements Act of 2016, a proposal.

Client expense: $820,000 · Firm income: Not reported

S. 254 / H.R. 506, "Automatic IRA Act", a bill to amend the Internal Revenue Code to promote and simplify Qualified Plans. S. 2505 / H.R.4294 - SAVERS Act of 2015 S. 2502/ H.R. 4293, Affordable Retirement Advice Act H.R. 4067, "Small Business Add Value for Employees Act". H.R. 2117, "Retirement Plan Simplification and Enhancement Act of 2013". H.R. 2656 / S. 3417 Receiving Electronic Statements To Improve Retiree Earnings Act (RETIRE) Act H.J. Res 66, Disapproving the rule submitted by the Department of Labor relating to savings arrangements established by States for non-governmental employees H.J. Res. 67, Disapproving the rule submitted by the Department of Labor relating to savings arrangements established by qualified State political subdivisions for non-governmental employees. H.J. Res. 88, Disapproving the rule submitted by the Department of Labor relating to the definition of the term Fiduciary. Dept. of Labor, final rule adding Section 2520.104(b)-1(c) - Electronic Distribution of Disclosures Required by Title 1 of ERISA, 75 FR 19285 (4/7/11). Dept. of Labor, final rule amending Section 2509, 2510, and 2550 - Definition of term "fiduciary"; conflict of interest rule - retirement investment advice (4/8/16). Dept. of Labor proposed rule amending Section 2550.404a-4 - Selection of Insurers to provide guaranteed retirement income- safe harbor for individual account plans. Presidential Memorandum on Fiduciary Duty Rule, February 03, 2017. No bill number - the Retirement Improvements and Savings Enhancements Act of 2016, a proposal.

Client expense: $1,130,000 · Firm income: Not reported

S. 1270, "SAFE Retirement Act of 2013". S. 1317, "Lifetime Income Disclosure Act". S. 1970, "The Retirement Security Act of 2014". S. 1557, "Automatic IRA Act", a bill to amend the Internal Revenue Code to promote and simplify Qualified Plans. S. 3417, "Receiving Electronic Statements To Improve Retiree Earnings Act (RETIRE) Act." S. 3471, the Retirement Enhancement and Savings Act of 2016. H.R. 1, A proposal relating to Tax Reform released by Chairman David Camp of the House Ways and Means Committee (2013). H.R. 506, "Automatic IRA Act of 2015" - Amends the Internal Revenue Code to require certain employers who do not maintain qualifying retirement plans or arrangements to make available to their eligible employees a payroll deposit individual retirement account (IRA) arrangement. H.R. 1534, "Small Business Add Value for Employees Act". H.R. 2117, "Retirement Plan Simplification and Enhancement Act of 2013". H.R. 2317, "Lifetime Income Disclosure Act". H.R. 2656, "Receiving Electronic Statements To Improve Retiree Earnings Act (RETIRE) Act." H.R. 4294 - SAVERS Act of 2015 Dept. of Labor, final rule adding Section 2520.104(b)-1(c), Electronic Distribution of Disclosures Required by Title 1 of ERISA, 75 FR 19285 (4/7/11). Dept. of Labor, final rule amending Sections 2509, 2510 and 2550 - Definition of term "fiduciary", conflict of interest rule - retirement investment advice,(4/8/2016). Dept. of Labor proposed rule amending Section 2550.404a-4, Selection of Insurers to provide guaranteed retirement income- safe harbor for individual account plans. No bill number - the Retirement Improvements and Savings Enhancements Act of 2016, a proposal.

Client expense: $450,000 · Firm income: Not reported

Retirement Security as in the following bills: S324 - Shrinking Emergency Account Losses Act of 2015 (SEAL Act) HR506/S245 - Automatic IRA Act of 2015 HR557/S266 - Retirement Security Act of 2015 HR2317/S1317 - Lifetime Income Disclosure Act of 2015 HR2656 - Receiving Electronic Statements to Improve Retiree Earnings (RETIRE) Act of 2015 S3025 - Graduate Student Savings Act of 2016 S3417 - Receiving Electronic Statements to Improve Retiree Earnings (RETIRE) Act of 2016 Retirement Enhancement and Savings Act (RESA) of 2016 Retirement Improvements and Savings Enhancements (RISE) Act DOL & SEC Fiduciary Proposals (DOL Fiduciary Definition Regulation/SEC Project to Harmonize Broker-Dealer Fiduciary Standards) as in the following bills: HR1090 - Retail Investor Protection Act of 2015 HR4294 - Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act HR4293 - Affordable Retirement Advice Act Providing Lifetime Income Illustrations on Retirement Benefit Statements Tax Benefits of Defined Contribution Plans Defined Contribution Retirement Plan Design and Modernization Fiduciary Concerns Related to Advice and Education in Retirement Plans Stretch IRA Electronic Delivery of Plan Documents Retirement Plan Consolidation Tax Reform as it relates to retirement plans Qualified Default Investment Alternatives (QDIA) Safe Harbor for Plan Sponsors Including Annuity Providers on Plan Menus Retirement Plan Fees

Client expense: $370,000 · Firm income: Not reported

Issues concerning retiree pension and benefit matters. HR 2656/S 3417, Receiving Electronic Statements to Improve Retiree Earnings Act, provisions that give employees the right to select specific electronic means through which they receive electronic delivery of pension plan information

Client expense: $3,710,000 · Firm income: Not reported

Issues related to retirement and taxation. H.R. 2656/S. 3417, Receiving Electronic Statements to Improve Retiree Earnings Act. House Republican Task Force Blueprint. S. 3471, Retirement Enhancement and Savings Act.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

Issues related to retirement and taxation. Issues related to retirement and taxation. H.R. 2656/S. 3417, Receiving Electronic Statements to Improve Retiree Earnings Act. House Republican Task Force Blueprint. S. 3471, Retirement Enhancement and Savings Act.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

S. 245, Automatic IRA Act of 2015 S. 324, SEAL Act S. 266, Retirement Security Act of 2015 - S. 1317 Lifetime Income Disclosure Act - S. 2110 - Womans Pension Protection Act of 2015 S. 2492 - Encouraging Americans to Save Act S. 3078 - Retirement Savings Lost and Found Act of 2016 S. 3240 - Pension and Budget Integrity Act of 2016 S. 3307 - A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to avoid duplicative annual reporting, and for other purposes S. 3338 - Small Business Employee Retirement Savings Act of 2016 S. 3417 - Receiving Electronic Statements to Improve Retiree Earnings Act - S. 3471 - Retirement Enhancement and Savings Act of 2016 - H.R. 2029 - Consolidated Appropriations Act, 2016 - H.R. 4236 - Financial Security Credit Act of 2015 - H.R. 4294 - Strengthening Access to Valuable Education and Retirement Support Act of 2015 - H.R. 4293 - Affordable Retirement Advice Protection Act H.R. 506, Automatic IRA Act of 2015 H.R. 577, Retirement Security Act of 2015 H.R. 1090, Retail Investor Protection Act (Wagner) - H.R. 2317 Lifetime Income Disclosure Act - H.R. 2656, Receiving Electronic Statements to Improve Retiree Earnings Act - H.R. 4955 - Pension and Budget Integrity Act of 2016 - H.R. 4067 - Small Businesses Add Value for Employees (SAVE) Act of 2015 - H.R. 5731 - Secure, Accessible, Valuable, Efficient Universal Pension (SAVE UP) Accounts Act - H.R. 5805 - Retirement Savings Lost and Found Act of 2016

Client expense: $114,533 · Firm income: Not reported

H.R. 506 - Automatic IRA Act of 2015; entire bill H.R. 557 - Retirement Security Act of 2015; entire bill H.R. 2317 - Lifetime Income Disclosure Act; entire bill H.R. 2656 - Receiving Electronic Statements To Improve Retiree Earnings (RETIRE) Act; entire bill H.R. 4045 - USAccounts: Investing in Americas Future Act of 2015; entire bill H.R. 4293 - Affordable Retirement Advice Protection Act; entire bill H.R. 4294 - Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act; entire bill H.R. 4773 - Protecting Workplace Advancement and Opportunity Act; entire bill H.R. 4538 - Senior$afe Act of 2016; entire bill H.R. 5731 - Secure, Accessible, Valuable, Efficient Universal Pension Accounts Act or SAVE UP Act; entire bill H.R. 6396 - RETIREMENT Security for American Workers Act; entire bill S. 245 - Automatic IRA Act of 2015; entire bill S. 266 - Retirement Security Act of 2015; entire bill S. 1317 - Lifetime Income Disclosure Act; entire bill S. 2216 - Senior$afe Act of 2015; entire bill S. 2472 - The American Savings Act; entire bill S. 2497 - Retail Investor Protection Act of 2016; entire bill S. 2502 - Affordable Retirement Advice Protection Act; entire bill S. 2505 - SAVERS Act; entire bill S. 2702 - ABLE to Work Act of 2016; entire bill S. 3307 - To Amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to avoid duplicative annual reporting, and for other purposes; entire bill S. 3417 -Receiving Electronic Statements To Improve Retiree Earnings Act or RETIRE Act; entire bill Appropriations bills for Department of Labor funding; provisions relating to the DOLs ERISA fiduciary regulation Not Yet Introduced: Secure Annuities for Employee Retirement Act, provisions relating to use of private annuities in retirement plans Not Yet Introduced: Draft legislation to allow new multi-employer pension plan designs

Issues in support of the Receiving Electronic Statements to Improve Retiree Earnings Act (H.R. 2656 and S.3417) to provide for electronic delivery of ERISA-mandated statements and disclosures Issues related to the Department of Labors proposed fiduciary standard and the delivery of investment advice or guidance to investors in qualified retirement plans Issues related to tax incentives for retirement savings; encourage retention of current tax incentives Issues related to employee benefit plan administration Issues related to MyRA Issues related to limitations on retirement plan contributions or assets Issues related to the DOL's budget proposal and the agency's views on state-based retirement plans for private sector workers Issues related to multiple-employer retirement plans Issues related to retirement coverage proposals Issues related to removing the prohibition on 403(b) plans investing in collective investment trusts Issues related to expanding relief under IRS Employee Plans Compliance Resolution Systems (EPCRS) Issues related to auto-enrollment safe harbor Issues related to improving, simplifying, and enhancing retirement plans Issues related to lifetime income options Issues related to federal budget implications for retirement and health benefits

Client expense: $650,000 · Firm income: Not reported

FY 2017 Federal Budget Proposal - retirement policy initiatives Tax reform - employer sponsored retirement tax incentives House Republicans Tax Reform Task Force Defined Benefit Plan Issues Mortality table updates De-risking pensions methods Non-discrimination issues affecting defined benefit plans Retirement Security Preservation Act of 2016 (RSPA) PBGC premiums Hybrid plan rules, including Pension Equity Plans Pension Portability Act - S. 2147/H.R. 4029 Pension and Budget Integrity Act of 2016 - H.R. 4955/S. 3240 Defined Contribution Plan Issues Retirement plan coverage Lifetime income Plan fees Shrinking Emergency Account Losses (SEAL) Act - S. 324 Automatic IRA Act of 2015 - H.R. 506/S. 245 Retirement Security Act of 2015 - H.R. 557/S. 266 Retail Investors Protection Act - H.R. 1090 The Lifetime Income Disclosure Act - S. 1317/H.R. 2317 Retirement Savings Lost and Found Act of 2016 - S. 3078/H.R. 5805 Retirement Choice Protection Act of 2015 - H.R. 3922 Small Businesses Add Value for Employees Act (SAVE) Act of 2015 - H.R. 4067 Universal Savings Account Act - H.R. 4094 Womens Pension Protection Act of 2015 - S. 2110/H.R. 4235 Receiving Electronic Statements to Improve Retiree Earnings Act - H.R. 2656/S. 3417 Affordable Retirement Advice Protection (ARAP) Act - H.R. 4293 Strengthening Access to Valuable Education & Retirement Support (SAVERS) Act - H.R. 4294 Financial Choice Act of 2016 - H.R. 5983 Secure, Accessible, Valuable, Efficient, Universal Pension (SAVE UP) Act - H.R. 5731 Retirement Security for American Workers Act - H.R. 6396 EEOC Reform Act - S. 2693 Retirement Improvements and Savings Enhancements (RISE) Act of 2016 - Early Draft of retirement reform legislation Retirement Enhancement and Savings (RESA) Act - modified version Other Final Fiduciary Definition/Conflict of Interest Rule Proposed & New Revisions to EEO-1 Form - annual Employer Information Report New Claims Procedures - Disability Benefits (DOL, EBSA) Proposed Form 5500 Changes Executive & nonqualified deferred compensation Multiemployer pension plan issues Multiple employer plans (MEPs) State retirement plan initiatives Plan administration - certification of hardship withdrawals and determination letter program Paid leave proposals and issues Student loan repayment benefit - Employer Participation in Student Loan Assistance Act - S. 2467/H.R. 3861 Missing Participants International pension issues, including cross-border pension funds

S. 3417 - Receiving Electronic Statements to Improve Retiree Earnings Act (Brown) S. 3471 - Retirement Enhancement and Savings Act of 2016 (Hatch) Retirement Improvements and Savings Enhancements Act of 2016 (Wyden) H.R. 2656 - Receiving Electronic Statements to Improve Retiree Earnings Act (Polis) DOL Fiduciary Rule DOL Rule on State-Run Retirement Plans

Client expense: $956,400 · Firm income: Not reported

Government targets: HOUSE OF REPRESENTATIVES, Labor, Dept of (DOL), SENATE, Securities & Exchange Commission (SEC), Treasury, Dept of, White House Office

Proposals related to retirement plan enhancements. Proposals relating to defined benefit plans, including plan funding. Issues related to tax incentives for retirement savings. Proposals related to stemming leakage from retirement plans through reform of plan loan rules. Proposals related to stable value investment offerings in defined contribution plans. Proposals related to phased retirement. Proposals to increase PBGC premiums. Proposals related to retirement target date funds. Issues related to the Department of Labor's proposed regulation defining fiduciary for investment advice purposes. Proposals and regulations related to cash balance, pension equity, and other hybrid pension plans. Issues related to PBGC collections and PBGC disclosure issues. Proposals related to electronic disclosure of information under ERISA, including H.R. 2656/S. 3417 Receiving Electronic Statements to Improve Retiree Earnings Act. Proposals regarding compliance of retirement plans. Issues related to use of brokerage windows in defined contribution plans. Proposals to reform the multiple employer plans rules. Proposals to modify required minimum distribution rules. Proposals that would modify limits on retirement plan contributions. Proposals related to stretch IRAs. Retirement provisions in the President's FY 2017 budget. Issues related to access to death master file. Issues related to government issued mortality tables. Proposals to amend the nondiscrimination provisions to protect older, longer service employees. Issues related to swap, margin, and capital rules. S. 266/H.R. 557, Retirement Security Act. H.R. 4293, the Affordable Retirement Advice Act.H.R. 4294, the Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act. State-administered retirement plan initiatives. Annuitization with respect to defined benefit plans. QLACs. Effects of corporate integration on retirement plans. H.R. 5186, Help All Americans Save for College Act. S. 3078, Retirement Savings Lost and Found Act. House Republican Task Force Blueprints. S. 3471, Retirement Enhancement and Savings Act. Proposals that would consolidate various retirement and IRA types.

Issues related to tax incentives for retirement savings. Issues related to employee benefit plan administration and electronic delivery of ERISA-mandated statements and disclosures. H.R. 2656/S. 3417, Receiving Electronic Statements to Improve Retiree Earnings Act. S. 3471, Retirement Enhancement and Savings Act.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to tax incentives for retirement savings. Issues regarding investment offerings in defined contribution plans. Legislation to expand the employee-sponsored retirement system. Issues related to lifetime income products in qualified retirement plans. Proposals to increase annuitization within qualified retirement plans. Issues related to employee benefit administration and electronic delivery of ERISA-mandated statements and disclosures. H.R. 2656/S. 3417, Receiving Electronic Statements to Improve Retiree Earnings Act. Proposals that would consolidate various retirement and IRA types. House Republican Task Force Blueprint. S. 3471, Retirement Enhancement and Savings Act.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

Issues related to tax incentives for retirement savings. Issues related to electronic delivery of IRC- and ERISA-mandated statements and disclosures. Issues related to recordkeeping simplification for 401(k) plans. H.R. 2656/S. 3417, Receiving Electronic Statements to Improve Retiree Earnings Act. S. 3471, Retirement Enhancement and Savings Act. H.R. 6396, Retirement Security for American Workers.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues concerning retiree pension and benefit matters. HR 2656/S 3417, Receiving Electronic Statements to Improve Retiree Earnings Act, provisions that give employees the right to select specific electronic means through which they receive electronic delivery of pension plan information

Client expense: $4,110,000 · Firm income: Not reported

Issues in support of the Receiving Electronic Statements to Improve Retiree Earnings Act (H.R. 2656 and S.3417) to provide for electronic delivery of ERISA-mandated statements and disclosures Issues related to the Department of Labors proposed fiduciary standard and the delivery of investment advice or guidance to investors in qualified retirement plans Issues related to tax incentives for retirement savings; encourage retention of current tax incentives Issues related to employee benefit plan administration Issues related to MyRA Issues related to limitations on retirement plan contributions or assets Issues related to the DOL's budget proposal and the agency's views on state-based retirement plans for private sector workers Issues related to multiple-employer retirement plans Issues related to retirement coverage proposals Issues related to removing the prohibition on 403(b) plans investing in collective investment trusts Issues related to expanding relief under IRS Employee Plans Compliance Resolution Systems (EPCRS) Issues related to auto-enrollment safe harbor Issues related to improving, simplifying, and enhancing retirement plans Issues related to lifetime income options Issues related to federal budget implications for retirement and health benefits

Client expense: $580,000 · Firm income: Not reported

H.R. 506 - Automatic IRA Act of 2015; entire bill H.R. 557 - Retirement Security Act of 2015; entire bill H.R. 2317 - Lifetime Income Disclosure Act; entire bill H.R. 2656 - Receiving Electronic Statements To Improve Retiree Earnings (RETIRE) Act; entire bill H.R. 4045 - USAccounts: Investing in Americas Future Act of 2015; entire bill H.R. 4293 - Affordable Retirement Advice Protection Act; entire bill H.R. 4294 - Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act; entire bill H.R. 4773 - Protecting Workplace Advancement and Opportunity Act; entire bill H.R. 4538 - Senior$afe Act of 2016; entire bill H.R. 5731 - Secure, Accessible, Valuable, Efficient Universal Pension Accounts Act or SAVE UP Act; entire bill S. 245 - Automatic IRA Act of 2015; entire bill S. 266 - Retirement Security Act of 2015; entire bill S. 1317 - Lifetime Income Disclosure Act; entire bill S. 2216 - Senior$afe Act of 2015; entire bill S. 2472 - The American Savings Act; entire bill S. 2497 - Retail Investor Protection Act of 2016; entire bill S. 2502 - Affordable Retirement Advice Protection Act; entire bill S. 2505 - SAVERS Act; entire bill S. 2702 - ABLE to Work Act of 2016; entire bill S. 3307 - To Amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to avoid duplicative annual reporting, and for other purposes; entire bill S. 3417 -Receiving Electronic Statements To Improve Retiree Earnings Act or RETIRE Act; entire bill Appropriations bills for Department of Labor funding; provisions relating to the DOLs proposed ERISA fiduciary regulation Not Yet Introduced: Secure Annuities for Employee Retirement Act, provisions relating to use of private annuities in retirement plans Not Yet Introduced: Draft legislation to allow new multi-employer pension plan designs

S. 245, Automatic IRA Act of 2015 S. 324, SEAL Act S. 266, Retirement Security Act of 2015 - S. 1317 Lifetime Income Disclosure Act - S. 2110 - Womans Pension Protection Act of 2015 S. 2492 - Encouraging Americans to Save Act S. 3078 - Retirement Savings Lost and Found Act of 2016 S. 3240 - Pension and Budget Integrity Act of 2016 S. 3307 - A bill to amend the Internal Revenue Code of 1986 and the Employee Retirement Income Security Act of 1974 to avoid duplicative annual reporting, and for other purposes S. 3338 - Small Business Employee Retirement Savings Act of 2016 S. 3417 - Receiving Electronic Statements to Improve Retiree Earnings Act - H.R. 2029 - Consolidated Appropriations Act, 2016 - H.R. 4236 - Financial Security Credit Act of 2015 - H.R. 4294 - Strengthening Access to Valuable Education and Retirement Support Act of 2015 - H.R. 4293 - Affordable Retirement Advice Protection Act H.R. 506, Automatic IRA Act of 2015 H.R. 577, Retirement Security Act of 2015 H.R. 1090, Retail Investor Protection Act (Wagner) - H.R. 2317 Lifetime Income Disclosure Act - H.R. 2656, Receiving Electronic Statements to Improve Retiree Earnings Act - H.R. 4955 - Pension and Budget Integrity Act of 2016

Client expense: $89,072 · Firm income: Not reported

Retirement Security as in the following bills: S324 - Shrinking Emergency Account Losses Act of 2015 (SEAL Act) HR506/S245 - Automatic IRA Act of 2015 HR557/S266 - Retirement Security Act of 2015 HR2317/S1317 - Lifetime Income Disclosure Act of 2015 HR2656 - Receiving Electronic Statements to Improve Retiree Earnings (RETIRE) Act of 2015 S3025 - Graduate Student Savings Act of 2016 S3417 - Receiving Electronic Statements to Improve Retiree Earnings (RETIRE) Act of 2016 Retirement Enhancement and Savings Act of 2016 Retirement Improvements and Savings Enhancements (RISE) Act DOL & SEC Fiduciary Proposals (DOL Fiduciary Definition Regulation/SEC Project to Harmonize Broker-Dealer Fiduciary Standards) as in the following bills: HR1090 - Retail Investor Protection Act of 2015 HR4294 - Strengthening Access to Valuable Education and Retirement Support (SAVERS) Act HR4293 - Affordable Retirement Advice Act Providing Lifetime Income Illustrations on Retirement Benefit Statements Tax Benefits of Defined Contribution Plans Defined Contribution Retirement Plan Design and Modernization Fiduciary Concerns Related to Advice and Education in Retirement Plans Stretch IRA Electronic Delivery of Plan Documents Retirement Plan Consolidation Tax Reform as it relates to retirement plans Qualified Default Investment Alternatives (QDIA) Safe Harbor for Plan Sponsors Including Annuity Providers on Plan Menus Retirement Plan Fees

Client expense: $370,000 · Firm income: Not reported

Issues related to tax incentives for retirement savings. Issues regarding investment offerings in defined contribution plans. Legislation to expand the employee-sponsored retirement system. Issues related to lifetime income products in qualified retirement plans. Proposals to increase annuitization within qualified retirement plans. Issues related to employee benefit administration and electronic delivery of ERISA-mandated statements and disclosures. H.R. 2656/S. 3417, Receiving Electronic Statements to Improve Retiree Earnings Act. Proposals that would consolidate various retirement and IRA types. House Republican Task Force Blueprint.

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES

Issues related to retirement and taxation. H.R. 2656/S. 3417, Receiving Electronic Statements to Improve Retiree Earnings Act. House Republican Task Force Blueprint.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

Issues related to retirement and taxation. Issues related to retirement and taxation. H.R. 2656/S. 3417, Receiving Electronic Statements to Improve Retiree Earnings Act. House Republican Task Force Blueprint.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES

Issues related to tax incentives for retirement savings. Issues related to employee benefit plan administration and electronic delivery of ERISA-mandated statements and disclosures. H.R. 2656/S. 3417, Receiving Electronic Statements to Improve Retiree Earnings Act.

Client expense: Not reported · Firm income: $20,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

Issues related to tax incentives for retirement savings. Issues related to electronic delivery of IRC- and ERISA-mandated statements and disclosures. Issues related to recordkeeping simplification for 401(k) plans. H.R. 2656/S. 3417, Receiving Electronic Statements to Improve Retiree Earnings Act.

Client expense: Not reported · Firm income: $10,000

Government targets: HOUSE OF REPRESENTATIVES, SENATE

FY 2017 Federal Budget Proposal - retirement policy initiatives Tax reform - employer sponsored retirement plans House Republicans Tax Reform Task Force Defined Benefit Plan Issues Mortality table updates De-risking pensions methods Non-discrimination issues affecting defined benefit plans PBGC premiums Hybrid plan rules Pension Portability Act - S. 2147/H.R. 4029 Pension and Budget Integrity Act of 2016 - H.R. 4955/S. 3240 Defined Contribution Plan Issues Retirement plan coverage Lifetime income Plan fees Shrinking Emergency Account Losses (SEAL) Act - S. 324 Automatic IRA Act of 2015 - H.R. 506/S. 245 Retirement Security Act of 2015 - H.R. 557/S. 266 Retail Investors Protection Act - H.R. 1090 The Lifetime Income Disclosure Act - S. 1317/H.R. 2317 Retirement Savings Lost and Found Act of 2016 - S. 3078/H.R. 5805 Retirement Choice Protection Act of 2015 - H.R. 3922 Small Businesses Add Value for Employees Act (SAVE) Act of 2015 - H.R. 4067 Womens Pension Protection Act of 2015 - S. 2110/H.R. 4235 Receiving Electronic Statements to Improve Retiree Earnings Act - H.R. 2656/S. 3417 Affordable Retirement Advice Protection (ARAP) Act - H.R. 4293 Strengthening Access to Valuable Education & Retirement Support (SAVERS) Act - H.R. 4294 Financial Choice Act of 2016 - H.R. 5983 Secure, Accessible, Valuable, Efficient, Universal Pension (SAVE UP) Act - H.R. 5731 EEOC Reform Act - S. 2693 Retirement Improvements and Savings Enhancements (RISE) Act of 2016 - Early Draft of retirement reform legislation Retirement Enhancement and Savings (RES) Act - modified version Final Fiduciary Definition/Conflict of Interest Rule Proposed & New Revisions to EEO-1 Form - annual Employer Information Report Proposed Form 5500 Changes Executive & nonqualified deferred compensation Multiemployer pension plan issues Multiple employer plans (MEPs) State retirement plan initiatives Plan administration - certification of hardship withdrawals and determination letter program Paid leave proposals and issues - Healthy Families Act, S.497/H.R. 932, Working Families Flexibility Act, S. 233 Student loan repayment benefit - Employer Participation in Student Loan Assistance Act - S. 2467/H.R. 3861 Missing Participants