Compass Retirement LLC

Item 5 – Fees and Compensation
Method of Compensation
Our fees may be negotiable at the discretion of a firm principal, and comparable services may
potentially be provided elsewhere for a lower fee. The services that are to be provided and anticipated
fee range will be detailed in your engagement agreement.

Asset-Based Fee
Eligible assets will exclude company stock and self-directed brokerage accounts, if applicable. The
selected custodian may reserve the right to change the definition of eligible assets on a prospective
basis with notice to the plan administrator. Fees to be deducted from an account may require written
authorization so that the selected custodian is able to withdraw advisory fees

Accounts may pay an annualized asset-based fee ranging from 0.10% to 0.50% (10 to 50 basis points)
may be assessed for a range of consulting services that is due quarterly, in arrears. The conversion of
annual percentage for quarterly payments will be determined using a fraction for which the numerator
is the number of days during payment period and the denominator is 365 (366 days in leap years). The
adjusted quarterly rate will be multiplied by the average daily balance of plan assets on the
recordkeeping system during the calendar quarter. The resulting amount will be divided proportionally
among participants in the plan based on their account balances on the day the recovery is processed.

Fixed Fee
Accounts may also engage the firm on a fixed fee basis (aka. a “retainer”) engagement. These fees start
at $2,500 per quarter and increase depending on the scope and complexity of the engagement. Fixed
retainer fees will be billed quarterly, in arrears.

Termination of Services
Either party may terminate the agreement at any time which is required to be in writing. Should you
verbally notify our firm of the termination and, if in two business days following this notification we
have not received your notice in writing, we will make a written notice of the termination in our records
and send you our own termination notice as a substitute.

Our firm will not be responsible for future allocations or investment advice upon receipt of a
termination notice. It will also be necessary that we inform the custodian of record and/or plan
administrator serving the account that the relationship between the firm and the client has been
terminated.

Compass Retirement, LLC
Form ADV Part 2A – Plan Sponsors – 20260415                                                          Page 5 of 15

We do not require prepayment of our fees; therefore, there should not be an expectation of a returned
fee upon termination. If you are a new client, you may terminate an agreement with our firm within five
business days after the signing of our engagement agreement without penalty or charge. Should an
engagement be terminated after the initial five-day period, we will provide an invoice for services
incurred from the beginning of the reporting period to the date of written termination notification.

Additional Client Fees
Any transactional or service fees (also called brokerage fees), individual retirement account fees,
qualified retirement plan fees, account termination fees, or wire transfer fees will be borne by the
account holder per their custodian of record’s separate fee schedule. Fees paid by our clients to our firm
for our advisory services are separate from any of these fees or other similar charges. In addition, our
advisory fee is separate from any transactional charges a client may pay, as well as those for mutual
funds, exchange-traded funds (ETFs), exchange-traded notes (ETNs), or other investments of this type.
Additional information about our fees in relationship to our “brokerage” practices is noted in Item 12 of
this document.

Per annum interest at the current maximum statutory rate may be assessed on fee balances due more
than 30 days; we may refer past due accounts to collections or legal counsel for processing. We reserve
the right to suspend some or all services once an account is deemed past due.

External Compensation
Our firm and its associates are engaged for fee-only services, and we attempt to recommend “no load”
investments whenever appropriate. We do not charge or receive a commission or mark-up on your
securities transactions, nor will the firm and our associates be paid commission on the purchase of an
insurance contract or securities investment that we recommend. In addition, firm policy prohibits associated
persons from accepting or receiving additional economic benefit, such as sales awards or other prizes, for
providing advisory services to our clients.

We do not receive SEC Rule 12b-1 fees (“trails”) from a mutual fund company that we may recommend.
Fees charged by issuers are detailed in prospectuses or product descriptions and you are encouraged to
read these documents before investing. Our firm and its associates receive none of these described or
similar fees or charges.

Item 7 – Types of Clients
We provide our consultation services to defined contribution plan sponsors to assist them in meeting
their objectives on behalf of their employees in what is believed to be an effective, low-cost program.
We do not require minimum income, minimum level of assets, or other conditions for our services. We
reserve the right to waive or reduce certain fees based on unique circumstances, special arrangements,
pre-existing relationships, or as otherwise may be determined by a firm principal. We also reserve the
right to decline services when deemed appropriate.

Compass Retirement, LLC
Form ADV Part 2A – Plan Sponsors – 20260415                                                       Page 6 of 15