Enrollment Guide	explaining the need to save and detailing the tax and savings benefits of your 401(k) plan.
Plan Highlights	emphasizing your specific plan features.
Guide to Investments	providing information and performance on the investment options within your plan.
Ongoing 404(c) Investment Education	including newsletters, Participant Quarterly Review, posters and investment payroll stuffers. All these important ongoing education tools are designed to help your plan stay in compliance and your employees to make better, more informed investment choices.
VoiceConnect Brochure	Guides employees through the voice response system.

Compliance with section 404(c) of ERISA is optional. The cornerstone of section 404(c) is participant control. To demonstrate participant control, you must afford your participants at least three investment options, investments with different risk and return characteristics, at least quarterly switching and sufficient information. Should you choose to comply with the regulations, Morgan Stanley Smith Barney can help. Morgan Stanley Smith Barney does not provide Legal advice regarding compliance with ERISA section 404(c) or any other matter.