Energi Pension Systems, Inc. understands the elements required for a plan to be successful. And we continually strive to incorporate these elements into each and every plan we design and implement. We believe that there are a number of goals that must be met by any plan:

• The plan must be trusted. To encourage maximum participation employees need to recognize the investment manager is an experienced professional.
• The plan must be usable. Information about plan performance and other available investment options, and how to transfer funds and manage the account must be accessible and user friendly.
• The plan must be tangible. An ongoing stream of account information must be provided to keep the plan tangible for the participant.
• The plan must be visible. Aspects of the plan such as employer contribution levels, allowable employee contribution percentages, and dates on which account changes are allowed, must all be highly visible to participants.
• The plan must be low cost to the employer and the employee. Participants and the company must see that fund gains are not lost to administrative fees or other plan costs.

To assure that your plan continues to work well after it is implemented, our clients benefit from our unique "401(K)ARE Plan" which offers additional services and resources including educational seminars, distribution counseling, monthly service calls and investment updates, free consultation with ERISA attorneys and service hotlines in Spanish and English. Internet services, including documentation, investment modeling, loan modeling, investment updates, etc., are also available.

All of these things make Energi Pension Systems, Inc. the people to call when creating or modifying your qualified retirement plan.