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$: Benefits Forum & Expo · LIBRARY-INTEGRATED\Consulting Topics\Communication\Tools\WealthLink Tool\Benefits Forum and Expo 091409.ppt. The Value of Making Good Decisions. 0% 5% 10%$
Fidelity Confidential

Consulting Services

Benefits Forum & Expo

EMC Corporation

September 14, 2009

2 Fidelity ConfidentialLIBRARY-INTEGRATED\Consulting Topics\Communication\Tools\WealthLink Tool\Benefits Forum and Expo 091409.ppt

EMC Corporation

Initial Questions

• Are our employees accumulating sufficient wealth to retire? • Is EMC’s retirement plan competitive and progressive?• Should EMC increase the company match to the 401(k) plan?• Are EMC and its employees optimizing tax-efficient solutions?

• Are our employees accumulating sufficient wealth to retire? • Is EMC’s retirement plan competitive and progressive?• Should EMC increase the company match to the 401(k) plan?• Are EMC and its employees optimizing tax-efficient solutions?

EMC• 33,000 global employees, 16,000 reside in U.S.

• Well educated and well paid workforce

• History of consumer-centric employee solutions

• 33,000 global employees, 16,000 reside in U.S.

• Well educated and well paid workforce

• History of consumer-centric employee solutions


The Value of Making Good Decisions

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Improve Match IncreaseDeferral

Invest Better Improve EquityUse

Employee ActionsEmployee ActionsEmployerAction

EmployerAction

Retirement Income Improvement


WealthLink — A Personal and Prescriptive Solution


Personalized Action Plans to Navigate Site and Learn Efficiently


Detailed and Customized Wealth Accumulation Modeling


Specific Recommendations to Capitalize on Tax Efficiencies and Maximize Company Subsidies


Financial Education — Beyond Benefits and Compensation Basics


Creative and Fun Means of Engaging and Educating Employees


Total Compensation and Benefit Statements — Retrospective


Total Compensation and Benefit Statements — and Prospective


Measurement Framework

Employee Actions WealthLink Utilization Employee Feedback

401(k) deferral» %, $, 402g limit

401(k) investment mix» Number who rebalance

at least annuallyESPP participation rateHSA establishment

» Average HSA contribution

FSA enrollment» Average FSA

contributionAssessment categories

» % by categoryAdvisor appointmentsOn-site seminar participation

Number of unique visitors» Number of hits

Frequency of visits% completing assessment% using modeler% using education

» Overall» Linked to key date/event

messaging% using Optimization Tool

Advisors» Feedback

Portal» Community» Suggestion Box

General EMC surveys on compensation and benefitsTestimonials

Employee Financial Literacy EMC Attraction/Retention

% of online course completionAverage score for online coursesScores from pulse survey regarding education/perception

Retention of high performersAttraction of key talentLink to corporate survey, as appropriate

Dashboard to Track Impact and Drive Future Refinements and Enhancements


This presentation is by Fidelity Consulting Services, which is part of the Fidelity Personal and Workplace Investing division and which provides strategic consulting services to plan sponsors.All content in this presentation is for discussion and informational purposes and is not intended to provide tax, legal, insurance, investment or other financial advice. No part of this presentation should be construed, explicitly or implicitly, as an offer to sell, a solicitation of an offer to buy, an endorsement, guarantee or recommendation for any financial product or service by Fidelity, its affiliates or any third party.© FMR LLC.

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