Monarch Plan Advisors

Item 5 – Fees and Compensation

Monarch has established the below fee schedule for the advisory services described in Item
4 above.

Monarch is a fiduciary under ERISA with respect to the investment management and
advisory services described in the investment management or advisory agreement, as the
case may be, between Monarch and the ERISA Plan Client. As such, Monarch is subject to
specific duties and obligations under ERISA and the Internal Revenue Code that include,
among other things, restrictions concerning certain forms of compensation. To avoid
engaging in prohibited transactions, Monarch may only charge fees for investment advice
about products for which Monarch and/or its affiliates do not receive any commission,
12b-1 fees or other compensation or conversely, if such compensation is received by
Monarch and/or its affiliates, Monarch will offset such amounts against Monarch’s stated
fee. Where Monarch offsets such compensation amounts against its stated fee, Monarch
will disclose to the ERISA Plan Client the amount of such compensation, the services
rendered for such compensation, the payer of such compensation and a description of the
arrangement with the payer in accordance with the requirements of ERISA Regulation
Section 2550.408b-2(c).

Monarch Plan Advisors - Retirement Plan Advisory and Consulting Service Fees

The annual investment management fee or investment advisory fee for MPA’s ERISA Plan
services and non-ERISA Plan Services, as well as the fee for any non-fiduciary services, is
described in the investment advisory agreement or investment management agreement, as
the case may be, with the client. Such fees shall be based upon a percentage (%) of
included plan assets as reported by the plan custodian or recordkeeper (generally up to
.60% annually), and/or on a flat fee basis not to exceed $100,000, depending on the size of
the plan. Included plan assets are the plan assets for which MPA provides services as
described in the investment advisory or management agreement.

Except for the fee for the initial quarter under advisement or management, asset-based fees
are assessed in arrears based on either the market value of the assets on the last business
day of the fee period, or as an average daily balance during the fee period, as specified in
the investment advisory or management agreement, as the case may be. The initial fee is
the amount prorated for the number of days remaining in the initial fee period from the
effective date of the Agreement.

As agreed to under the investment management or advisory agreement between MPA and
the client, the client may authorize the plan custodian to automatically deduct the fee from

                                 Date of Brochure: June 18, 2026

the plan or the plan sponsor of the plan client may choose to pay the fee, in which case fees
are due and payable within 30 days of the invoice date.

Either MPA or the plan client can terminate the investment management or advisory
agreement at any time, without penalty, by sending the other party 30 days prior written
notice. Both parties remain responsible for obligations arising under any transactions
initiated before the agreement was terminated. MPA is entitled to a fee, prorated for the
number of days in the fee period prior to the effective date of termination, based on the
market value of the included assets on the effective date of termination or on the average
daily balance of the fee period, as specified in the investment advisory agreement or
investment management agreement, as the case may be.

In addition to the fees charged by Monarch, clients will incur brokerage and other
transaction costs. Please refer to Item 12: Brokerage Practices, for further information on
such brokerage and other transaction costs. Clients will also typically incur additional
charges related to the safekeeping and custody of client assets, mutual fund and other
product-specific expenses, and wire or cash transfer fees. These additional charges are
separate and apart from the fees charged by Monarch.

                                  Date of Brochure: June 18, 2026

Item 7 – Types of Clients

Monarch provides investment advisory and investment management services to retirement
plans subject to ERISA that are participant-directed defined contribution plans, such as
401(k) plans and 403(b) plans covered by ERISA, as well as 403(b) plans that are not
covered by ERISA and 457 plans (each, a “Plan”).

                               Date of Brochure: June 18, 2026