Introduction... 401k Enginuity is a completely online, highly automated, powerful, integrated, yet easy to use 401k setup, maintenance, administration and participation system accessible via any of today's popular Web browsers (Internet Explorer, Netscape, and AOL among them) from any of the primary computer platforms (PC, Macintosh, Unix, Kiosk). -- A forerunner product, developed by Pesnion Services Corporation, offers plan administration from the end-user's desktop PC. -- The product, called 401(k) Easy, allows for self-service plan administration and can, like 401k Enginuity, be delivered to the client under the name of the Provider and offering investments of the Provider's choosing. -- Read the below for more information about 401(k) Easy and how it compares to 401k Enginuity, or go to www.401k-easy.com to look into 401(k) Easy in detail. A Brief History... Laying the groundwork for the web-based 401K Enginuity began in the mid-nineties. Loosely based upon the popular 401(k) Easy.  401K Enginuity was designed from the ground up to deliver highly-automated features and functionality to plan providers, plan sponsors, and plan participants, all through the speed and convenience of the Internet. Confidential input from several Fortune 500 financial institutions was helpful in refining aspects of 401K Enginuity during development. The Wall Street Journal compared 401(k) Easy to Intuit's Quicken as an example of an affordable and easy to use software application designed for small businesses. 401K Enginuity, and its forerunner product 401(k) Easy grew from our 15 years hands-on experience serving the 401k market as both third-party administrator and registered NASD Broker/Dealer to a national clientele. We were one of the first companies to automate 401k administration and "bundle" it with clients' selection of SEC-regulated mutual funds. The vertical integration of automated administration with qualified investments resulted in significant efficiencies, which we passed along to our clients in the form of low on-going fees. Our reputation as a national provider of high-quality, low priced 401K plans combined with clients' choice of investments (including self-directed brokerage accounts) brought us a sizable base of clients, including several hundred radio broadcasting companies. In addition, our consistently high volume of mutual fund sales to clients' 401k plans earned us accolades from leading mutual fund companies, including MFS, Putnam, John Hancock, Oppenheimer and others. back to top
	Introduction
	401k Enginuity-A Brief History
	The 401(k) Easy Software Encompasses Plan Administration Only
	401(k) Easy Is Customizable to Provider
	Download a free copy of the 401(k) Easy Plan Administration Software for the PC

The 401(k) Easy Software Encompasses Plan Administration Only... Like 401k Enginuity, the 401(k) Easy software is customizable first to the Provider and then, from the features the Provider has elected to include, to each client. (Some Providers decline to include 401k loan features, for instance.) -- The 401(k) Easy software lacks the participant accessibility available with the online 401k Enginuity system. It does, however, include plan-specific as well as general forms and literature that the Plan Sponsor's personnel distribute to eligible employees to educate the employees about various aspects of plan activity and to collect relevant information from them if they are interested in participating in the activity. -- The 401(k) Easy software lacks the hands-on Provider control inherent in 401k Enginuity. -- The 401(k) Easy software lacks some of the more advanced administration features available with 401k Enginuity. Despite these limitations, the 401(k) Easy software was described in The Wall Street Journal as "allow(ing) small businesses to manage 401k plans as easily as a consumer navigates family finances with programs such as Quicken" (12/27/99). Jump ahead to download a free copy of the 401(k) Easy plan administration software. back to top

Customizable to Provider... Like 401k Enginuity, the 401(k) Easy run-it-yourself plan administration software can be branded by investment providers and marketed under a product name of their choosing. Pension Systems Corporation creates a customized version of its 40(k) Easy website for the investment company to use to market the product. For example: -- One client, a major national discount brokerage (name furnished upon request), chose to keep all the plan customization options and functionality of the master 401(k) Easy product but offer its proprietary self-directed discount brokerage accounts as the only investment choice. -- Another client, a major California-based bank (name furnished upon request), chose NOT to include 401k loans or automatic enrollment in its customized product (thus neither are mentioned in the software or the website marketing it) while featuring its proprietary lineup of no-load mutual funds.  Please contact us for more information on either of these customized products. back to top

Download the 401(k) Easy Software... Anyone can download a copy of Pension Systems Corporation's 401(k) Easy run-it-yourself plan administration software for desktop PCs. -- Go to www.401k-easy.com and click on Free 401k Software Demo. -- The demo software has been customized to service a fictitious plan and has nearly all features operational. -- Copies are also available on CD-ROM from the same website. Remember, the 401(k) Easy software addresses only the plan administration functions that will be available with 401k Enginuity, and even those features are much more powerful in the online system. The desktop software does, however, give a hint of what's to come with 401k Enginuity. Look for 401k Enginuity to go live in early 2002. Prior to that time, sample sections will be available for viewing by potential license purchasers. Please contact Pension Systems Corporation for dates and details. back to top

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