Why GuideStone?

Your plan provides maximum flexibility for eligibility and contributions. Some provisions are to be documented in a separate policy or procedure such as the Rules and Procedures for Eligibility and Contributions form or an employee handbook. Other standard plan provisions that cannot be changed include:

• 100% vesting on all contributions
• One hardship withdrawal per plan year for participants less than age 59½ (must meet IRS requirements as a hardship)
• In-service withdrawal per plan year for participants who are at least age 59½
• Distribution options of a single sum or systematic withdrawal payments after termination from service
• One outstanding plan loan

• What is the fee to establish a standard 403(b)(9) plan?
  GuideStone does not charge the employer a fee to establish a standard employer-sponsored 403(b)(9) plan. Any ongoing administrative fees associated with the plan will be listed in a fee schedule.
• Are there ongoing fees for the plan?
  There is a $500 annual fee that will begin one year following the effective date of the retirement plan and is paid using the bank information in your online portal. This annual fee will be assessed until the plan has reached $1 million in assets. One way to reach this asset threshold is to have employees roll over retirement assets from their other retirement plan accounts (401(k), 403(b), IRA, etc.) to GuideStone. Our website makes it easy to roll into GuideStone, and our GuideStone Advisors^® team will be glad to assist your employees with their rollover needs.
• What are the ongoing administrative fees for participants?
  There will be a quarterly comprehensive plan servicing fee assessed to the participant in the amount of 0.107% of the participant’s total account balance (equating to 0.43% annually). For example, if the participant’s account balance at the end of the quarter is $1,000, the amount deducted from the participant’s account will be $1.07

• The Service Agreement has a list of funds available. Your funds will be Investor share class funds. You can see a list of these funds, performance, expense ratios and a prospectus at GuideStoneFunds.com/Funds.
• You can also monitor fund performance through our free web-based portal, the GuideStone Employer Access^® Program (EAP), by clicking the “Retirement” tab and then selecting the “Investments” link.

• Online contribution remittance is required via EAP. You can schedule your contribution remittance weekly, monthly, semi-monthly, etc., or on a fixed date on which GuideStone can draft your bank account.
  Please note: GuideStone does not accept checks for retirement contributions.