401K Generation

Item 5 – Fees and Compensation
 Retirement and Pension Consulting Fees
 Fees for retirement and pension consulting services will be based on either the market value of the
 plan assets; or on a flat fee, all to be agreed upon by both 401KG and the client and specifically
 documented in the Investment Advisory Agreement.

 The fee range for these services is negotiable and may vary according to facts and circumstances
 including the scope of services to be provided, the duration of services and the size of the client as
 measured by the number of employees, plan or individual assets, and other demographic factors.
 Retirement and pension consulting services for which a fee is charged based on the assets within
 the plan are generally determined based on the tiered fee schedule shown below.

 Retirement and Pension Consulting Fee Schedules:

                ERISA Section 3(38) Services                                        ERISA Section 3(21) Services

Portfolio Balance               Annual Consulting Fee              Portfolio Balance               Annual Consulting Fee
$0 - $999,999.99                70 bps                             $0 - $999,999.99                70 bps
$1,000,000.00 - $2,999,999.99   50 bps                             $1,000,000.00 - $2,999,999.99   50 bps
$3,000,000.00 +                 15 bps                             $3,000,000.00 +                 15 bps

                                                ERISA Section 3(16) Services
                                 Portfolio Balance                    Annual Consulting Fee
                                 $0.00 - $99,999.99                             55 bps
                                 $100.000.00 - $499,999.99                      50 bps
                                 $500,000.00 - $999,999.99                      45 bps
                                 $1,000,000.00 - $1,999,999.99                  30 bps
                                 $2,000,000.00 - $2,999,999.99                  25 bps
                                 $3,000,000.00 - $3,999,999.99                  20 bps
                                 $4,000,000.00 - $6,999,999.99                  14 bps
                                 $7,000,000.00 - $9,999,999.99                  10 bps
                                 $10,000,000.00 - $14,999,999.99                 6 bps
                                 $15,000,000.00 - $39,999,999.99                 4 bps
                                 $40,000,000.00+                                 3 bps

 (**all rates shown reflect the annual fee rate)

 Fees are negotiable by both 401KG and the client and are payable on either a monthly, quarterly,
 or annual basis in arrears or in advance. Fees are deducted from the plan assets by the custodian
 and paid to 401KG. Any such consulting fees collected in advance will be refunded to the client on
 a pro rata basis upon account termination as described in the Client Agreement. 401KG’s fees are
 competitive with the fees charged by other investment advisors for comparable services. However,
 similar services may be available from other sources for lower fees.

Fee Calculation
401KG does not perform the calculations or actual fee deductions on 401(k) plan assets. The
following fee billing information is believed to be valid and true with respect to fee billings as
performed by the custodians utilized. For purposes of calculating Account Fees, we request plan
custodians/TPA’s to bill our advisory plans on either a monthly, quarterly, or annual basis.
Your first consulting fee deduction may include a prorated fee amount for the partial quarter or
month if advisory services began prior to the quarter end date. Subsequent Account Fee payments
are due and assessed at the beginning of each quarter or month based on the value of the assets
under management as of the close of business on the last business day of the preceding quarter or
month (billing period) and as valued by the third-party custodian of the account. Additional
deposits and withdrawals will be added or subtracted from portfolio assets, as the case may be,
which may lead to an adjustment of the advisory fee.

Our fee is deducted from the plan’s account pursuant to the applicable authorization agreement on
file with the named custodian. Unless otherwise negotiated, our fee is payable annually, quarterly,
or monthly, in advance and is exclusive of fund expenses, third party administration and execution
costs.

**It is imperative that plan administrators review and understand their plan documents and fee
disclosure statements provided for each customized plan. These are provided by your 3 rd party plan
administrator via quarterly fee disclosure statements.

Individual Managed Account Fees
401KG will receive an asset based advisory fee from clients investing in individually managed
accounts. The amount of the fee to be charged will be specifically disclosed in a written contract to
be executed with each client. 401KG’s fee is separate from and in addition to, any applicable fees
including but not limited to third party manager advisory or platform fees, brokerage commissions,
custodial charges, ticket fees and asset specific fees such as 12b-1 fees and other fees charged by
funds for management, distribution, and administration.
Our asset based advisory fees are based on the grid noted below and are negotiable at our
discretion. Employees and related family accounts are generally handled on a no fee basis.
401KG’s investment management fees are competitive with the fees charged by other investment
advisors in the area for comparable services. However, similar services may be available from other
sources for lower fees.

                      Individual Managed Accounts
 Portfolio Balance                 Annual Consulting Fee
 $0 - $1,999,999.99                100 bps
 $2,000,000.00 - $2,999,999.99     70 bps
 $3,000,000.00+                    50 bps
(**all rates shown reflect the annual fee rate)
...

Item 7 –Types of Clients
401KG provides retirement and pension consulting and investment advisory services to
individuals, pensions, profit- sharing plans, trusts, estates, charitable organizations, corporations,
and other business entities. We have not established a minimum value of assets to establish a
relationship with a client.