steps that
could change
your retirement
That’s all it takes to enroll in your
employer’s retirement savings plan
INTEGRATED STATISTICS INCORPORATED 401(K) PLAN •
8-07309
This workbook content is current as of the production date noted below. If there are any discrepancies
between this information and the legal plan document, the legal plan document will govern. If the production date is
older than six months, you should contact your plan sponsor or log in to principal.com for current retirement plan and
investment option information. The member companies of the Principal Financial Group® prohibit the manipulation
of this workbook content. If your plan sponsor elects to provide this workbook electronically,
The Principal® is not responsible for any unauthorized changes.
10/31/2011
It’s all about
your future
One of the best ways to save for your retirement is
by enrolling in your employer’s retirement savings plan.
Just follow these three steps to enroll, and you’ll be on
your way to developing a more secure financial future.
Decide how much
you need to save
Choose the
investment options
Enroll now:
Start saving today
Contact us today to find out more.
www.principal.com
1.800.547.7754
Integrated Statistics Incorporated 401(k) Plan • 8-07309
STEP 1
Decide how much
you need to save
The sooner you enroll in your employer’s retirement
savings plan, the sooner you start saving for your
goals. In this section, we’ll help you figure out how
much you may need to save, but first there are some
important things that you should know.
Start today!
It’s more important than ever to save for retirement.
Social Security benefits aren’t likely to provide you with
sufficient income when you stop working. That’s where
your employer’s retirement savings plan comes in. It
can help you save some of the extra funds you’ll need.
IMPORTANT ENROLLMENT
INFORMATION
In Step 3 of this workbook, you will find enrollment
instructions and/or an enrollment form.
It can also provide additional benefits that you don’t get
from some other savings accounts, such as reducing
your current taxable income. Plus, if your employer matches
• If there are enrollment instructions, you may complete
your enrollment online at www.principal.com or by
calling 1-800-547-7754.
a portion of your contribution, it potentially can help
retirement savings grow faster (see page 4 for details).
• If there is an enrollment form, you may follow the
instructions throughout the workbook to complete
the enrollment form.
Got a question? We’re here to help!
2344
Integrated Statistics Incorporated 401(k) Plan
WHY TIME IS MONEY
See how easy it can be
To enroll in your employer’s retirement savings plan,
It’s important to start saving for retirement now. Consider
the case of Diane and David, each age 35, who both earn a
starting salary of $35,000 and hope to retire at age 65.
simply follow the steps in this workbook. You will
DIANE
be provided with information related to enrollment
Diane gets off to an early start and
begins to contribute 6% of her pay
per year right away.
decisions you need to make, starting in Step 1 with the
percentage of your pay you want to contribute. Once
Total Contribution
$117,778
you’ve enrolled, the contributions will be automatically
deducted from your pay.
Compound earnings
DAVID
David drags his heels and doesn’t
start saving 6% of his pay until he
has been employed for 10 years.
Over time, contributions inside the retirement savings
plan may grow because earnings are reinvested. Earnings
can be generated on both your original contributions
Total Contribution
$92,566
and the reinvested earnings. Generally, the longer
retirement savings remain in the plan, the greater the
SAVINGS IN 30 YEARS
compounding effect.
$630K
Benefit of tax-deferred savings
A retirement savings plan both helps to build savings for
560K
your future and can potentially reduce the amount of
490K
tax you pay today. This is because pre-tax contributions
420K
to a retirement plan are generally not subject to federal
income tax until they are withdrawn.
DIANE SAVES
$559,048
DAVID SAVES
350K
$298,882
280K
You also defer taxation on any earnings from the pre-tax
contributions held inside the plan until they are taken
210K
out. This can help retirement savings grow faster. Plus,
140K
making pre-tax contributions to the retirement plan can
70K
reduce your current taxable income for the year.
Withdrawals prior to age 59½ may be subject to income tax including a 10%
tax penalty and redemption costs.
HOW IT WORKS
6%
Contribution
No
Contribution
Biweekly Pay
$1,346.15
$1,346.15
Contribution
$80.77
$0
$1,265.38
$1,346.15
$316.35
$336.54
$949.03
$1,009.61
Taxable Income
Taxes
(assuming 25% tax bracket)
Take Home Pay
Tax Savings
$20.19
0
1
10
20
30
Years
This chart assumes a 4% annual salary increase each
year, a 50% employer match on a 6% salary contribution
(providing an additional 3%) and an 8% return on
investment, compounded biweekly. This example is for
illustrative purposes only. The assumed rate of return is
hypothetical and does not guarantee any future returns nor
represent the return of any particular investment option.
By starting 10 years earlier, Diane’s retirement savings can
end up being almost double those of David.
LESSON LEARNED: DON’T DELAY!
This chart assumes tax withholding of 25%. Individual taxpayer
circumstances may vary. This is for illustrative purposes only.
The $80.77 contribution only reduced the pay by
$60.58 ($1,009.61 - $949.03 = $60.58).
principal.com
3453
STEP 1
How much will you need?
The amount of income you’ll need after you stop
working depends upon a number of different factors,
such as your retirement goals and level of debt.
A little can mean a lot
The good news is that your employer’s retirement
savings plan makes it easier to save than you’d think.
You pick an amount you want to save each pay
period, and it’s contributed to the retirement plan
on your behalf. Chances are, for little more than the
price of a few dinners out each month, you can start
working towards your retirement savings goals.
Age 50 or above?
Boost your retirement contributions
If you’re age 50 or over, you can make catch-up
contributions over specified limits within the IRS
Code and the retirement plan, up to a certain dollar
amount. For 2011, in addition to the standard annual
maximum IRS limit of $16,500, you can contribute
an extra $5,500. See your employer for details.
Roth Elective Contributions
If you already have significant pre-tax retirement savings
and expect your retirement income to be higher than your
current income, you may benefit by making Roth Elective
Contributions.
Unlike regular retirement plan contributions, Roth Elective
Contributions are made on an after-tax basis so they may
be withdrawn tax-free. Earnings on a Roth Elective
Contributions account may also be withdrawn tax-free
after meeting the qualified distribution requirements.*
For more information, contact a retirement specialist
at 1-800-547-7754.
*Withdrawals are tax-free after a participant reaches 59 ½, disability or death
and must be taken at least five years after the first Roth Elective Contribution
was made.
4346
Integrated Statistics Incorporated 401(k) Plan
WHERE SHOULD I START?
When deciding the percentage of your pay you want to save, you may wish to choose one of the following options:
1 THE ESTIMATED IMPACT ON
YOUR TAKE HOME PAY
A common misconception many people have is
retirement. But the important thing to consider
Current
Annual
Salary
4%
6%
8%
10%
12%
is to start saving at least a small percentage of
$20,000
$23
$35
$46
$58
$69
$30,000
$35
$52
$69
$87
$104
$40,000
$46
$69
$92
$115
$138
$60,000
$69
$104
$138
$173
$208
$80,000
$92
$138
$185
$231
$277
$100,000
$115
$173
$231
$288
$346
that they don’t earn enough to start saving for their
your pay as soon as possible. If you can’t afford to
contribute as much as you’d like right away, don’t
worry. You can opt to increase the rate at which you
save in the future. The table on the right shows
some examples of how various contributions
would impact a biweekly pay.
Enter the estimated percentage
%
you can afford to save:
2
Salary Contribution
Participant is paid biweekly (26 times a year). This chart assumes tax
withholding of 25%. Individual taxpayer circumstances may vary. Reduced
take-home pay per week is accurate for the initial year and would change
based on participant’s annual pay. This is for illustrative purposes only.
AN AMOUNT TO HELP GENERATE THE
INCOME YOU’LL NEED IN RETIREMENT
Many people need about 85% of their pre-retirement
income to maintain their current lifestyle after they
stop working. To calculate the percentage of your
current income to help you meet this goal, turn to
the Retirement Savings Worksheet at the back of
Need help? We have tools
that can help you determine an
amount to save for retirement.
principal.com
1-800-547-7754
this workbook. Then, for quick reference, record this
percentage on the line below:
Enter the percentage
you calculated:
%
Write the percentage of your pay
you wish to contribute on your
enrollment form, or follow the
enrollment instructions.
In a recent survey, the median response from financial professionals was that individuals need to save approximately
15% of their pay, including employer contributions (if applicable), to have enough income during retirement,
assuming they begin saving for retirement early in their careers.*
*America Rebuilds Research with Financial Advisors, April 2010, conducted by Harris Interactive on behalf of the Principal Financial Group®.
When looking at all responses in the survey, the median is the middle of the responses given.
principal.com
3475
STEP 2
Choose the
investment options
It’s easier than you think! In this section, we’ll
provide you with access to information you need
to help elect investment options that are available
through your employer’s retirement plan.
What’s your investment style?
Before electing specific investment options, it’s
important to carefully consider how actively involved
you want to be when it comes to managing the asset
allocation of the retirement savings account.
If you’re a do-it-myself investor and prefer to elect
and monitor your own investment option elections,
your employer’s retirement savings plan enables
you to do this. It provides you with a wide range of
investment options from which to choose.
Or, if you’re a do-it-for-me investor, you can opt for
one of the plan’s investment option choices that
will provide asset allocation assistance.
6348
Integrated Statistics Incorporated 401(k) Plan
ARE YOU A DO-IT-FOR-ME OR A DO-IT-MYSELF INVESTOR?
Uncertain about which investment options to choose? Which of the following statements sound most like you?
DO-IT-FOR-ME
• You may want a faster and easier
way to start saving now
• You’re not comfortable
with investment concepts
• You want asset allocation
assistance
DO-IT-MYSELF
• You prefer to build your own
portfolio
• You like to take control of your
investment decisions
• You have a good understanding
of investment topics
• You enjoy monitoring your
If you fall into the do-it-for-me category, you
own investment options
can choose a do-it-for-me feature available
If you’re more of a do-it-myself investor,
through your employer’s retirement plan.
you may wish to choose your own mix of
investment options.
Select one of the do-it-for-me
investment options listed on your
enrollment form, or follow the
enrollment instructions to select one of
the do-it-for-me investment options.
Detailed information on these
You have the freedom to select
from a wide range of investment
options. Refer to your enrollment
form or Investment Option
Summary for detailed information.
investment options starts on PAGE 10.
LEARN MORE ABOUT YOUR INVESTOR STYLE
If you’re a do-it-myself investor, the quiz is a useful tool to help you determine the
asset mix that’s right for you. The quiz may be used when choosing certain do-it-for-me
investment options that match you with an asset allocation strategy to consider.
Please keep in mind that this information is a guideline and for educational purposes only. It isn’t intended to tell you how to invest.
principal.com
3497
STEP 2
Determine your investor profile
Spreading your retirement plan contributions across different investment categories can help to balance your
risk and potential return. Take the following quiz to help you choose a strategy suited to your personal situation.
Check the boxes that most apply to you.
How would you respond to the following statement?
Protecting retirement savings from loss is more
important to me than earning high returns.
Strongly agree ............................................... 0 points
Agree ............................................................. 4 points
Risk and return are equally important ............ 7 points
Disagree ...................................................... 10 points
Strongly disagree ......................................... 13 points
Which of the following statements best describes you?
I feel most comfortable with investment options that
earn consistent but lower returns year-to-year. I prefer
to take as little risk as possible. ...................... 0 points
I am willing to withstand some ups and downs in the
value of my portfolio, but I prefer to be invested in less
risky investment options that reduce the chance of
large losses. ................................................... 5 points
I want high investment option returns and am willing
to accept a moderate level of risk and the potential for
occasional short-term losses. ......................... 9 points
I want high investment option returns and am willing
to accept a higher degree of risk over a longer period
of time. This may result in more frequent swings in the
value of my portfolio. .................................. 13 points
How much the value of a portfolio rises and falls is
called volatility. Which of the following best describes
how you feel about the amount of volatility you are
willing to accept?
Considerable — My main goal is to earn high returns
over time, and I can accept periods of large losses
to do so. ...................................................... 12 points
Some — I would like to earn higher returns over time
and can accept an occasional large downturn in the
value of my portfolio. .................................... 6 points
Little — I would rather have small returns than risk
losing any retirement savings......................... 0 points
83410
How do you feel about the rate of inflation and the
effect it may have on retirement income?
I would like investment earnings to keep up with the
rate of inflation, but I don’t want to take chances
losing retirement savings. .............................. 0 points
While accepting a low level of risk, my main goal is to
earn slightly more than inflation. ................. 4 points
My main goal is to increase the value of my retirement
savings at a pace moderately greater
than the rate of inflation. Therefore, I am willing to
accept short-term losses associated with more
moderate investment options. ..................... 8 points
I want my retirement savings to earn significantly
more than the rate of inflation over the long run
even though there’s a greater risk the investment
options may lose value in the short- to
intermediate-term. ...................................... 12 points
The table below shows how much the value of
$20,000 contributed in retirement plan investment
options may go up or down in value over three
years. Which portfolio would make you feel the
most comfortable?
Possible
3-Year Return
Possible
3-Year Loss
Portfolio
A
Gain of $1,600
Loss of $3,200
(8% of the value) (16% of the value)
Portfolio
B
Gain of $1,400
Loss of $2,200
(7% of the value) (11% of the value)
Portfolio
C
Gain of $1,200
(6% of the value)
Loss of $1,600
(8% of the value)
Portfolio
D
Gain of $1,000
(5% of the value)
Loss of $900
(4.5% of the value)
...13 points
.....9 points
.....5 points
.....0 points
Integrated Statistics Incorporated 401(k) Plan
If there is potential for higher returns, I am comfortable
with investment options that may frequently
experience large declines in value
even if these frequent and large declines are
experienced at an unexpected time, such as
when I’m preparing to retire.
Strongly disagree ........................................... 0 points
Disagree ........................................................ 4 points
Agree ............................................................. 8 points
Strongly agree ............................................. 12 points
Sometimes investment losses are long term, and
sometimes they are short-lived. How might you respond
when you experience investment option losses?
I would move all of the retirement savings to
a more conservative investment option if they
suffered substantial declines over a three-month
time period. .................................................... 0 points
Although declines in investment option
value make me uncomfortable, I would wait
nine months to a year before adjusting the
investment strategy. ........................................ 6 points
Even if the value of my retirement savings went
down over several years, I would continue to follow
my long-term investment strategy and not adjust
my portfolio. ................................................. 12 points
Suppose you invested $5,000 this year with the
intention of keeping the investment option for 10 years.
If this investment option lost value during the first year,
at what value of your initial $5,000 investment would
you sell and move to a more stable investment option?
$4,750 ........................................................... 0 points
$4,500........................................................... 4 points
$4,250 ........................................................... 7 points
$4,000 or less .............................................. 10 points
I would not sell ............................................ 13 points
NOW, ADD UP YOUR POINTS
Your total points
determine your
Risk Tolerance Score.
TOTAL POINTS
NEXT, DETERMINE YOUR YEARS
TO RETIREMENT
Subtract your current age from the age you plan to be
when you retire to determine your Years to Retirement.
Your expected retirement age*:
MINUS
—
Your current age:
EQUALS = Years to Retirement:
*Enter this number on the enrollment form or follow the enrollment
instructions toward the back of the workbook.
Take note of the results of the quiz. The results can help
you decide how to invest as you work your way through
the workbook.
Please keep in mind that this information is just a guideline
and for educational purposes — it isn’t intended to tell you
how to invest.
© 2010 Ibbotson Associates. All rights reserved. This questionnaire is
provided as guidance only. Investors should consult with their financial
professional about their responses to this questionnaire and other relevant
factors that they should consider before making an investment decision.
The questionnaire is made available through a license agreement with the
Principal Financial Group ®, and use by an investor in no way establishes
a relationship (including advisory relationship) between the investor and
Ibbotson Associates. Past performance does not guarantee future results.
Following an asset allocation model does not assure a profit or guarantee that a participant will not incur a loss. Performance of the individual models may fluctuate and will be
influenced by many factors. In applying particular asset allocation models to their individual situations, participants or beneficiaries should consider their other assets, income
and investments (e.g., equity in a home, IRA investments, savings accounts, and interests in other qualified and nonqualified plans) in addition to their interests in the plan.
principal.com
34119
STEP 2
DO-IT-FOR-ME INVESTMENT CHOICES
Principal LifeTime Portfolios
Don’t want to spend a lot of time making asset allocation decisions? Now you don’t need to. Consider choosing a single
Principal LifeTime portfolio, and you will get a portfolio that rebalances automatically and gradually becomes more
conservative as the target date or retirement date nears. Ideally, the Principal LifeTime portfolio should be selected based on
your approximate retirement date. Each target date portfolio is managed approximately 15 years beyond normal retirement
age. However, there is also a portfolio for those more than 15 years beyond retirement age: Principal LifeTime Strategic Income.
What’s the investment strategy?
expected that the target date is the date in which you will
When you have many years until retirement, a more
begin withdrawing money. Once in retirement, the Principal
aggressive investment option might be appropriate because
LifeTime portfolios assume the value of the account will be
you have time to ride out the possible market highs and
withdrawn gradually over time.
lows. And if you are closer to retirement, a more conservative
investment option might be appropriate because you will
How are the portfolios structured?
Each portfolio is broken down into four major asset classes:
likely need retirement funds sooner.
U.S. Equity, Non-U.S. Equity, Fixed Income and Real Estate
Principal LifeTime portfolios are managed by some of the
investment options. The breakdown of each portfolio
premier investment managers in the industry. The portfolio
is approximate and can change over time. Each of the
managers invest in generally more aggressive underlying
Principal LifeTime portfolios gradually becomes conservative
mutual funds, such as stock funds, when the target date,
as its targeted year approaches, and it is expected that
which is intended to be your retirement date, is far away.
approximately 15 years after its target year, the breakdown
Then the portfolios gradually become more conservative
of each portfolio will match that of the Principal LifeTime
by shifting their allocations from equity to fixed income
Strategic Income portfolio.**
investment options as the target dates approach. It is
TARGET ALLOCATIONS OVER TIME
100%
Non-U.S. Equity
U.S. Equity
Real Estate
Fixed Income
90%
% of Total Assets
80%
70%
60%
Participants at or in retirement also receive
indirect exposure to the Real Estate asset class
through the underlying Diversified Real Asset and
Global Diversified Income Funds.
50%
40%
30%
No investment strategy, such as asset allocation or
diversification, can guarantee a profit or protect
against loss.
20%
10%
0%
50
45
40
35
30
25
20
15
10
5
0
-5
-10
-15 - 20
Horizon (Years Until Retirement)
For example, assume you have elected to direct contributions
the target date, the portfolio would be allocated to 18% U.S.
to the 2030 portfolio and have 20 years until retirement.
Equities, 4% Non-U.S. Equities, and 78% Fixed Income.
Today, the asset allocation is approximately 49% U.S. Equities,
23% Non-U.S. Equities, 23% Fixed Income and 5% Real
Estate. Over time, the 2030 portfolio will continue to become
more conservative, and once the target date is reached, the
asset mix would shift to 31% U.S. Equities, 10% Non-U.S.
Equities, and 59% Fixed Income. Approximately 15 years after
103412
Neither the principal nor the underlying assets of the Principal
LifeTime portfolios are guaranteed at any time, including the
target dates, and investment risk remains at all times.
** The individual Principal LifeTime Funds may be combined with the Principal
LifeTime Strategic Income Fund if the Board of Directors of Principal Funds, Inc.
determines at the time that the combination is in the best interests of Fund
shareholders. Principal LifeTime Separate Accounts invest wholly in the Institutional
share class of the corresponding Principal LifeTime fund.
Integrated Statistics Incorporated 401(k) Plan
CHOOSE YOUR MIX IN TWO STEPS
Selecting a Principal LifeTime portfolio is a two-step process. Start by thinking about how many years there
are until your expected retirement date. Then, consider choosing the portfolio below that most closely matches
your anticipated timeline.
4%
1%
4%
10%
15%
18%
20%
31%
59%
78%
39%
45%
Principal LifeTime
Strategic Income Portfolio
Principal LifeTime
2010 Portfolio
Principal LifeTime
2015 Portfolio
Participants may wish to
consider this option if
approximately 15 years beyond
normal retirement age. Assumed
to be 65 years of age.
Participants may wish
to consider this option if
retiring between now
and the end of 2012
Participants may wish
to consider this option if
retiring between 2013
and the end of 2017.
4%
25%
22%
5%
24%
26%
53%
52%
49%
Principal LifeTime
2025 Portfolio
Principal LifeTime
2030 Portfolio
Principal LifeTime
2035 Portfolio
Participants may wish to
consider this option if
retiring between 2023
and the end of 2027.
Participants may wish to
consider this option if
retiring between 2028
and the end of 2032.
Participants may wish to
consider this option if
retiring between 2033
and the end of 2037.
6%
6%
6%
29%
7%
U.S. Equity
31%
56%
54%
Principal LifeTime
2040 Portfolio
Participants may wish to
consider this option if
retiring between 2038
and the end of 2042.
10%
13%
27%
16%
19%
23%
49%
Principal LifeTime
2020 Portfolio
Participants may wish
to consider this option if
retiring between 2018
and the end of 2022.
5%
5%
23%
31%
45%
55%
Non-U.S. Equity
Real Estate
Principal LifeTime
2045 Portfolio
Principal LifeTime
2050 Portfolio
Principal LifeTime
2055 Portfolio
Participants may wish to
consider this option if retiring
between 2043 and the
end of 2047.
Participants may wish to
consider this option if
retiring between 2048
and the end of 2052.
Participants may wish to
consider this option if
retiring beyond 2053.
Note: Allocations are based on current asset allocation targets as of
March 2011. They will change over time.
For all Principal LifeTime portfolios, the retirement age is assumed to be
65 years of age.
Before directing retirement funds to a separate account, investors should
carefully consider the investment objectives, risks, charges and expenses of
the separate account, as well as their individual risk tolerance, time horizon
and goals. For additional information, contact us at 1-800-547-7754.
Equity investment options involve greater risk, including heightened volatility,
than fixed-income investment options. Fixed-income investment options are
subject to interest rate risk, and their value will decline as interest rates rise.
principal.com
Fixed Income
Asset allocation does not guarantee a profit or protect against a loss. There
is no guarantee this investment option will provide adequate income at or
through retirement. Investing in real estate, small-cap, international, and
high-yield investment options involves additional risks.
Fixed income and asset allocation investment options that invest in mortgage
securities are subject to increased risk due to real estate exposure.
Each Principal LifeTime portfolio is available through a Separate Account or
Principal Funds, Inc. mutual fund.
Principal LifeTime Separate Accounts are made available through a group
annuity contract with the Principal Life Insurance Company, Des Moines, IA
50392. May not be available in all states or U.S. Commonwealths.
341311
PRINCIPAL STRATEGIC ASSET MANAGEMENT (SAM)
TARGET RISK PORTFOLIO SERIES
STEP 2
STRATEGICALLY DIVERSIFIED PORTFOLIOS
PROFILE I
SAM Flexible Income Portfolio
DO-IT-FOR-ME INVESTMENT CHOICES
Long-Term Target Allocation: 25% equity, 75% fixed-income funds
Investment Objective: This portfolio seeks to generate income
and preserve capital
Principal Strategic Asset
Management (SAM) Portfolios
Underlying Asset Class Allocation:*
For an investment strategy that matches your
financial goals, consider Principal Strategic Asset
Management (SAM) Portfolios. Each is a series
of actively managed, asset allocation portfolios
specifically designed to help you achieve your
long-term investment goals.
Fixed Income
75%
Non-U.S. Equity
5%
U.S. Equity
17%
Real Estate
3%
PROFILE II
SAM Conservative Balanced Portfolio
Long-Term Target Allocation: 40% equity, 60% fixed-income funds
Investment Objective: This portfolio seeks to generate income
and some growth of capital
Underlying Asset Class Allocation:*
Each portfolio is diversified across a selection of
asset classes, styles and investment managers to
manage risk and help provide consistent returns
no matter what investment style is in favor at any
time. They are also continually monitored and
reallocated in response to changing economic
and investment conditions.
Please keep in mind, however, that diversification
does not assure a profit and does not protect
against loss in a declining market. Also, this
information is just a guideline — it isn’t intended
to tell you how to invest.
How do I elect?
60%
Non-U.S. Equity
U.S. Equity
28%
Real Estate
10%
2%
PROFILE III
SAM Balanced Portfolio
Long-Term Target Allocation: 60% equity, 40% fixed-income funds
Investment Objective: This portfolio seeks growth of capital
and some income
Underlying Asset Class Allocation:*
U.S. Equity
43%
Non-U.S. Equity
Fixed Income
40%
Real Estate
14%
3%
PROFILE IV
SAM Conservative Growth Portfolio
Long-Term Target Allocation: 80% equity, 20% fixed-income funds
Start by taking the Investor Profile Quiz in this
workbook. Using the quiz results, find the box
where your Risk Tolerance Score (left column of
the chart below) intersects with your Years to
Retirement (top row of the chart below). Then,
find the matching SAM portfolio on the right.
Investment Objective: This portfolio seeks above-average
growth of capital with little income
Underlying Asset Class Allocation:*
U.S. Equity
57%
Non-U.S. Equity
Fixed Income
20%
Real Estate
19%
4%
PROFILE V
SAM Strategic Growth Portfolio
Years to Retirement
0-5 years 6-10 years 11-15 years 16+ years
Risk Tolerance Score
Fixed Income
Long-Term Target Allocation: 95% equity, 5% fixed-income funds
0 to 17
I
I
I
I
Investment Objective: This portfolio seeks high growth of
capital with no income
18 to 41
I
II
II
II
Underlying Asset Class Allocation:*
42 to 62
II*
II
III
III
63 to 83
84 to
100
II*
III
III
IV
III*
III
IV
V
*Investors 0-5 years away from retirement are assumed to remain
invested for at least 5 years after retirement.
Be sure to complete the Investor Profile Quiz periodically to make sure that the
investment option you elected continues to match your risk profile. The Investor
Profile Quiz is provided by Ibbotson Associates and is made available for your
use through a license agreement between Ibbotson and The Principal. In no way
does your use of the Quiz establish a relationship (including advisory relationship)
between you and Ibbotson Associates nor is Ibbotson responsible for mapping or
identifying a specific investment option(s) that may be appropriate for your risk
profile. Please keep in mind that this information is just a guideline; it isn’t intended
to tell you how to invest. Find the Investor Profile Quiz online at principal.com/
investorquiz. Past performance does not guarantee future results.
123414
U.S. Equity
68%
Fixed Income
5%
Non-U.S. Equity
22%
Real Estate
5%
Equity investment options involve greater risk,
including heightened volatility, than fixed-income
No investment strategy, such as asset allocation or investment options. Fixed-income investment
options are subject to interest rate risk, and their
diversification, can guarantee a profit or protect
value will decline as interest rates rise.
against loss in periods of declining value.
Asset allocation does not guarantee a profit or
Before directing retirement funds to a separate
protect against a loss. Investing in real estate,
account, investors should carefully consider
small-cap, international and high-yield investment
the investment objectives, risks, charges and
expenses of the separate account, as well as their options involves additional risks.
*Allocations based on current allocation targets as
of March 2011.
individual risk tolerance, time horizon and goals.
For additional information, contact us at 1-800547-7754.
Fixed-income and asset allocation investment
options that invest in mortgage securities are
subject to increased risk due to real
estate exposure.
Integrated Statistics Incorporated 401(k) Plan
SAMPLE ASSET ALLOCATION MODELS
PROFILE I
Conservative Strategy
3%
Asset mix: 80% fixed income, 20% equity
investment options
Diversification
Diversification simply means spreading retirement plan
contributions across different asset categories. With proper
diversification, you may be able to get a return that will
help you meet your goals while reducing potential risk.
Suitable for: This allocation is designed for the more
cautious investor, one with sensitivity to short-term
losses and/or a shorter time horizon. It is targeted
toward the investor seeking investment stability from
the investable assets, but still seeking to beat inflation
over the long term. The main objective of this investor
is to preserve capital while providing income potential.
Investors may expect fluctuations in the values of this
portfolio to be smaller and less frequent than in more
aggressive portfolios.
20%
Income options typically are the least risky but may have
32%
9%
11%
28%
riskiest but may yield higher returns. Large U.S. Equity
and Fixed Income investment options generally are in the
middle of this range. Having a mix of investment options
can help you achieve your desired level of diversification.
Also, spreading your contributions around helps minimize
the potential risk that a single investment option might
decrease the total value of the retirement plan account.
How do I select investment options?
Start by taking the Investor Profile Quiz in this workbook.
Suitable for: This allocation may be appropriate for the
investor who seeks both modest capital appreciation and
income potential from his or her portfolio. This investor will
have either a moderate time horizon or a slightly higher risk
tolerance than the most conservative investors. While this
allocation is still designed to preserve capital, fluctuations in
the values of this portfolio may occur from year to year.
Asset mix: 60% equity, 40% fixed income
investment options
Suitable for: This allocation may suit the investor
who seeks relatively stable growth with a lower level
of income potential. An investor in the moderate risk
range will have a higher tolerance for risk and/or a
longer time horizon than more conservative investors.
The main objective of this investor is to achieve steady
growth while limiting fluctuation to less than that of
the overall stock markets.
21%
28%
19%
15%
17%
PROFILE IV
Moderate Aggressive Strategy
9%
11%
35%
23%
on the right. You can use the sample asset allocation
models as a guide to help choose investments from the
Asset mix: 60% fixed income, 40% equity
investment options
Moderate Strategy
Risk Tolerance Score (left column of the chart) intersects
Then, find the matching sample asset allocation model
35%
PROFILE III
Using the quiz results, find the box below where your
with your Years to Retirement (top row of the chart).
45%
Moderate Conservative Strategy
risk and performance characteristics. Short-Term Fixed
Mid U.S. Equity investment options may be some of the
12%
PROFILE II
Each type of investment option, or asset class, has its own
lower long-term returns. International Equity and Small/
5%
22%
plan’s investment lineup. But please keep in mind that
Asset mix: 80% equity, 20% fixed income
investment options
Suitable for: This allocation is designed for investors with
a relatively high tolerance for risk and a longer time horizon.
These investors have little need for current income and
seek above-average growth from the investable assets. The
main objective of this profile is capital appreciation, and its
investors should be able to tolerate moderate fluctuations in
their portfolio values.
this information is just a guideline — it isn’t intended to
tell you how to invest. You should also consider other
PROFILE V
assets and any anticipated needs when directing your
Asset mix: 100% equity investment options
plan contributions.
Suitable for: This allocation may be appropriate for
investors who have both a high tolerance for risk and
a long investment time horizon. The main objective
of this profile is to provide high growth, which means
the investor is not as concerned with receiving current
income. This portfolio may have larger and more
frequent fluctuations from year to year, making it
potentially less desirable for investors who do not
have both a high tolerance for risk and an extended
investment horizon.
Risk Tolerance Score
Years to Retirement
0-5 years
6-10 years
11-15 years
16+ years
0 to 17
I
I
I
I
18 to 41
I
II
II
II
42 to 62
II*
II
III
III
63 to 83
II*
III
III
IV
84 to 100
III*
III
IV
V
Aggressive Strategy
29%
43%
28%
Diversification Disclosure: No investment strategy, such as diversification or asset
allocation, can guarantee a profit or protect against loss in periods of declining value.
*Investors 0-5 years away from retirement are assumed to remain invested
for at least 5 years after retirement.
principal.com
341513
STEP 3
Enroll now:
Start saving today
It’s time to complete the final step of the enrollment
process. In STEP 1, you determined the percentage
of your pay you wish to start saving. In STEP 2, you
decided on an investment strategy for retirement
savings. Now you’re ready to enroll.
Help secure your future
To enroll in the retirement plan, complete the
enrollment form and contact your Human Resources
department. You may feel comfortable knowing you’re
taking a step toward a more secure financial future. Our
goal is to make planning for your retirement an easier
process. And when you’re ready to retire, we have the
products and experience to help meet your retirement
needs.
In STEP 3, find out how the Principal Financial Group®
can provide you with the ongoing support you need.
www.principal.com
1.800.547.7754
143416
Integrated Statistics Incorporated 401(k) Plan
ENROLLMENT INSTRUCTIONS
Enroll today in your organization’s retirement plan quickly and easily by
visiting principal.com or calling 1-800-547-7754.
ONLINE INSTRUCTIONS
1
ESTABLISH YOUR USERNAME AND PASSWORD
• Under Account Login, select PERSONAL as the login
type, and click GO.
• Click the ESTABLISH YOUR NEW USERNAME
AND PASSWORD link.
If at any time you would
• Enter your SOCIAL SECURITY NUMBER and the
retirement account, simply log
ACCOUNT/CONTRACT NUMBER: 807309.
• Verify your identity, create your username and
password, enter your e-mail address, and select
and answer your online security questions.
2
SET YOUR LOGIN IMAGE AND PHRASE
• Log back in to PRINCIPAL.COM.
• Follow the prompts to choose a login image
and phrase.
3
IT’S EASY TO
MAKE CHANGES
like to make changes to this
on to principal.com.
You’ll be able to choose from
a wide array of actions, from
selecting future investment
options to changing
the amount you
contribute to
the plan.
CHOOSE YOUR CONTRIBUTION AMOUNT
• Click the ENROLL NOW link.
• Follow the prompts to choose your contribution
percentage, and click SAVE AND CONTINUE.
Or, to make your changes
over the telephone, call our
automated phone system at
4
SELECT INVESTMENT OPTIONS
1-800-547-7754.
• Follow the prompts to choose your investment
direction, and click SAVE AND CONTINUE.
5
REVIEW AND SUBMIT
• Review the selections you made.
• If everything is correct, click the confirmation
box, then click SUBMIT.
Give us a call ...
You can also enroll over the phone.
Simply call 1-800-547-7754 to
reach our automated phone
system, or talk to one of our
retirement specialists.
principal.com
341715
Integrated Statistics Incorporated 401(k)
Plan
Principal Life Insurance Company
Enrollment Worksheet
Contract/Plan ID Number 8-07309
CTD01321
Des Moines, IA 50306-9394
Do not return this worksheet to The Principal or your benefit representative. The enrollment worksheet is not a
required document but a resource provided for your convenience. Use it as you go through the workbook to
record your elections prior to enrolling online at principal.com or calling 1-800-547-7754.
My Personal Information (please print with black ink)
Name (Last)
(First)
(MI)
Phone Number
(
Street Address
)
Email Address
City
State
Zip
Country
Gender
q Male
Date of Birth
Social Security Number
-
/
u
q Single
q Married
Original Date of Employment
/
Date of Termination
Rollover Funds
q Female
Marital Status
/
-
Expected Retirement Age
If you were rehired,
complete these dates:
-
/
/
Date of Rehire
/
/
/
NOTE: The email address you submit will
be used for services provided by the Principal
Financial Group®, unless otherwise elected. We
will not provide your email to third parties.
For more information, see your privacy policy
at principal.com.
q YES! Tell me how The Principal can help me roll over retirement savings from
Complete if you would like to
consolidate retirement savings.
a previous employer’s retirement plan. Please call me at ( _____ ) ______ - ___________
to discuss my options. The best time to call is ______ a.m. ______ p.m. My estimated
rollover balance is $ __________________________.
To learn about rollover opportunities now, call The Principal at 1-800-547-7754, Monday – Friday, 7 a.m. - 9 p.m. CT.
My Contributions
Take advantage of your employer’s match! (pick one)
q I elect to contribute ______% (0% to 100%) of my current and future pay per pay period before taxes, and/or I elect to
contribute ______% (0% to 100%) after taxes as Roth elective deferral contributions.
q I am already enrolled, but I want to change my contribution to _____% (0% to 100%) of my current and future pay per pay
period.
q I choose not to contribute to the retirement plan at this time.
My Investment Choices
Do Not Delete
Please elect ONE OF THE TWO CHOICES by checking the box(es) and completing the applicable information for the choice.
(If you are already enrolled and want to make changes to how future contributions are directed, visit principal.com or call 1-800-547-7754.)
10.31.2011 131126
Enrollment Worksheet - Page 1 of 5
341917
Enrollment Worksheet
Contract/Plan ID Number 8-07309
My Investment Choices
do not delete
CHOICE A: Do-it-for-Me — Principal LifeTime portfolio
q
I elect a Principal LifeTime portfolio
I understand contributions will be directed to the applicable Principal LifeTime portfolio based on my Expected Retirement Age
entered within the Personal Information section, or current age and the plan’s normal retirement age.¹ I have read the applicable
information enclosed regarding the Principal LifeTime portfolios. I do not want to make another investment election at this time,
and this will be treated as my investment option direction.
(Please refer to the Investment Option Summary for more information.)
u If you’ve completed this section, move ahead to My Authorization!
do not delete
CHOICE B: Do-it-Myself — Choose your own asset allocation
q I elect the following investment options (enter percentages below.)
(Please refer to the Investment Option Summary for more information.)
NEW
CONTRIBUTIONS
do not delete
Short-Term Fixed Income
Morley Financial Services, Inc
Principal Stable Value Fund
A
%
do not delete
Fixed Income
BlackRock Financial Mgmt, Inc.
Inflation Protection Separate Account
A
%
Edge Asset Management, Inc.
Government & High Quality Bond Sep Acct
A
%
JP Morgan / Neuberger Berman
High Yield I Separate Account
A
%
PIMCO
Core Plus Bond I Separate Account
A
%
do not delete
Balanced/Asset Allocation
Multiple Sub-Advisors
Diversified Real Asset Separate Account
A
%
Multiple Sub-Advisors
Principal LifeTime Strategic Income Separate Account
Principal LifeTime 2010 Separate Account
A
Principal LifeTime 2015 Separate Account
A
Principal LifeTime 2020 Separate Account
A
Principal LifeTime 2025 Separate Account
A
Principal LifeTime 2030 Separate Account
A
Principal LifeTime 2035 Separate Account
A
Principal LifeTime 2040 Separate Account
A
Principal LifeTime 2045 Separate Account
A
10.31.2011 131126
183420
A
%
%
%
%
%
%
%
%
%
Enrollment Worksheet - Page 2 of 5
Enrollment Worksheet
Contract/Plan ID Number 8-07309
My Investment Choices
NEW
CONTRIBUTIONS
Principal LifeTime 2050 Separate Account
A
Principal LifeTime 2055 Separate Account
A
SAM Balanced Separate Account
%
%
A
%
SAM Conservative Balanced Separate Account
SAM Conservative Growth Separate Account
SAM Flexible Income Separate Account
A
%
A
%
A
%
SAM Strategic Growth Separate Account
A
%
do not delete
Large U.S. Equity
Edge Asset Management, Inc.
Capital Appreciation Separate Account
Equity Income Separate Account
A
%
A
%
Principal Global Investors
LargeCap S&P 500 Index Separate Account
A
%
T. Rowe Price/Brown Advisory
LargeCap Growth I Separate Account
A
%
do not delete
Small/Mid U.S. Equity
AllianceBern / CCI / Brown
SmallCap Growth I Separate Account
A
%
Columbus Circle Investors
MidCap Growth Separate Account
A
%
Goldman Sachs/LA Capital Mgmt
MidCap Value I Separate Account
A
%
Principal Global Investors
MidCap S&P 400 Index Separate Account
A
%
SmallCap S&P 600 Index Separate Account
SmallCap Value Separate Account
A
%
A
%
do not delete
International Equity
Fidelity / Schroders
International I Separate Account
A
%
Principal Global Investors
International Emerging Markets Sep Acct
A
%
Principal Global Investors/DFA
International SmallCap Separate Account
A
%
do not delete
TOTAL of all lines:
10.31.2011 131126
100 %
Enrollment Worksheet - Page 3 of 5
342119
Enrollment Worksheet
Contract/Plan ID Number 8-07309
Your investment election will be effective when it is received in the Corporate Center of The Principal by the close of market. Forms
received after the close of market will be processed on the next open market date. If no investment election is received, or
contributions are received prior to your investment election, contributions will be directed according to the plan’s default
investment option(s).
u If you’ve completed this section, move ahead to My Authorization!
My Authorization
Your authorization applies to amounts earned until changed. I understand my plan sponsor may reduce my contributions only
when required to meet certain plan limits. I will review all statements regularly and report any discrepancy to The Principal
immediately.
10.31.2011 131126
203422
Enrollment Worksheet - Page 4 of 5
Enrollment Worksheet
Contract/Plan ID Number 8-07309
Disclosures
A
For more information about this investment option, including the full name of the Separate Account, please visit principal.com or call
1-800-547-7754 for assistance from a retirement specialist.
Your plan sponsor has chosen to make available to you all of the investment options listed on this enrollment form.
Insurance products and plan administrative services are provided by Principal Life Insurance Company, a member of the Principal
Financial Group® (The Principal®), Des Moines, IA 50392.
1
The "Do-It-For-Me" section is designed just to give you an easier way of enrolling in the retirement plan. Principal LifeTime portfolios are
available as another way to use an asset allocation strategy that may be right for you. There are other investment options available under
the retirement plan, and you should review them all. Reviewing all investment options can help you decide whether you wish to design
your own mix of investment options. Please note that your contribution will be directed to the Principal LifeTime portfolio based on a
particular target date or retirement date. If you would rather choose your own mix of investment options, you may do so by completing
the "Do-It-Myself" section of this form or visiting principal.com.
Information in this enrollment form/worksheet should not be construed as investment advice.
You have the right to request a paper copy of the enrollment form by calling 1-800-547-7754 or contacting your plan sponsor.
This workbook content is current as of the production date noted below. If there are any discrepancies between this information and the
legal plan document, the legal plan document will govern. If the production date is older than six months, you should contact your plan
sponsor or log in to principal.com for current retirement plan and investment option information. The member companies of the
Principal Financial Group® prohibit the manipulation of this workbook content. If your plan sponsor elects to provide this workbook
electronically, The Principal® is not responsible for any unauthorized changes.
10.31.2011 131126
Enrollment Worksheet - Page 5 of 5
342321
Integrated Statistics Incorporated 401(k)
Plan
Beneficiary Form
Retirement Plan Beneficiary
Designation Without
QPSA Requirement
Principal Life Insurance Company
Des Moines, IA 50306-9394
Follow these steps to name your beneficiary(ies): 1) Complete the Personal Information Section. 2)
Select one of the beneficiary choices (Choice A, Choice B, or Choice C) See page 3 for more detailed
instructions and examples. 3) Name your beneficiary(ies) on Page 2. 4) Sign the form at the bottom of
Page 2. 5) Return the beneficiary form to your plan sponsor and keep a copy for your records. Do
not return this form to Principal Life Insurance Company.
Contract/Plan ID Number 8-07309
CTD01304
Note: Only use this form if plan does not allow Life Annuities or is a Governmental 457 Plan.
Personal Information (Please print with black ink)
Name (Last)
(First)
(MI)
__________________________ _____________________ _________
Address
___________________________________________________________
City
State
Zip
________________________________________ _______ ________
Social Security Number
______ - ______ - _______
Phone Number
(_____) ______ - _______
Email Address
______________________________
My Beneficiary Choices (pick one)
q Choice A: Single Participant (includes widowed, divorced or legally separated)
I am not married and designate the individual(s) named on Page 2 of this form to receive death benefits from the
plan. I understand if I marry, this designation is void one year after my marriage (some plans specify a shorter period).
Note: If changing your beneficiary due to a legal separation or divorce, you must attach a copy of
the court decree.
q Choice B: Married with Spouse as Sole Beneficiary (spouse’s signature is not required)
I am married and designate my spouse named on Page 2 of this form to receive all death benefits from the plan/
contract.
q Choice C: Married with Spouse Not as Sole Primary Beneficiary
q
By checking this box, I agree only to the beneficiary designation on this form. My spouse cannot change the
beneficiary without my consent.
Spouse’s Signature (must be witnessed by Plan Representative or Notary Public)
X____________________________________________________
Date
______ / ______ / ______
The spouse appeared before me and signed
the consent on
Plan Representative or Notary Public Signature
Date
______ / ______ / ______
X _______________________
______ / ______ / ______
q
(Check if applicable) I certify that my spouse cannot be located to sign this consent. I will notify the plan
sponsor if my spouse is located. Note: If your spouse cannot be located, check this box and have it witnessed
by the Plan Representative. It must be established to the satisfaction of the Plan Representative that your spouse
cannot be located.
I certify that spousal consent cannot be obtained because spouse cannot be located.
Plan Representative Signature
X____________________________________________________
10.31.2011 131126
Beneficiary Form - Page 1 of 3
Date
______ / ______ / ______
342523
Beneficiary Form
Contract/Plan ID Number 8-07309
Naming My Beneficiary(ies)
Before completing, please read the directions, examples and notice information on this form. You may name one or
more Primary and/or Contingent Beneficiaries. If you need more space to name beneficiaries, please attach a separate
list that you have signed and dated. Note: Unless otherwise provided, if two or more beneficiaries are named, the
proceeds shall be paid to the named beneficiaries, or to the survivor or survivors, in equal shares.
Name (Primary Beneficiary[ies] )
Date of birth
Relationship
Social Security Number
_________________________
___/___/___
________________
____ - ____ - ________
Address
City
_________________________________ _________________________________
ZIP
________
________
Date of birth
Relationship
Social Security Number
_________________________
___/___/___
________________
____ - ____ - ________
City
_________________________________ _________________________________
_______%
State
Name (Primary Beneficiary[ies])
Address
Percent
Percent
_______%
State
ZIP
________
________
If Primary Beneficiary(ies) is not living, pay death benefits to:
In most circumstances, your contingent beneficiary(ies) will only receive a death benefit if the primary beneficiary
predeceases you and the death benefit has not been paid in full.
Name (Contingent Beneficiary[ies] )
Date of birth
Relationship
Social Security Number
_________________________
___/___/___
________________
____ - ____ - ________
Address
City
_________________________________ _________________________________
ZIP
________
________
Date of birth
Relationship
Social Security Number
_________________________
___/___/___
________________
____ - ____ - ________
City
_________________________________ _________________________________
_______%
State
Name (Contingent Beneficiary[ies])
Address
Percent
Percent
_______%
State
ZIP
________
________
Name Change
Change my name - From:
Change my name - To:
Date
_________________________________ _________________________
______ / ______ / ______
Reason: q Married q Divorced - Will need to attach divorce decree.
q
Other (reason):__________________
My Signature
This designation revokes all prior designations made under the retirement plan.
My Signature (Required)
Date
X_________________________________ ____________________
______ / ______ / ______
UNDER THE PENALTIES OF PERJURY, I certify by my signature that all of the information on this Beneficiary Designation form is
true, current and complete.
10.31.2011 131126
243426
Beneficiary Form - Page 2 of 3
Beneficiary Form
Contract/Plan ID Number 8-07309
Directions
Read carefully before completing this form. To be sure death benefits are paid as you want them, follow these guidelines:
Use Choice A
Use Choice B
If you are not married.
Use Choice C
If you are married and want death benefits paid to someone other than your spouse, in addition to your spouse,
or to a Trust or Estate. Your spouse must sign the spouse’s consent on this form. This signature must be
witnessed by a Plan Representative or Notary Public.
If you are married and want all death benefits from the Plan paid to your spouse. Your spouse does not have to
sign the form.
You may name one or more contingent beneficiaries. If you need more space to name beneficiaries, please attach a separate
list that you have signed and dated.
Be sure you sign and date the form. Keep a copy of this form for your records. Return the original to your plan sponsor. If
you do not date the form, the designation will become effective the day received by your plan sponsor or Principal Life Insurance
Company, depending upon plan provisions.
If your marital status changes, review your beneficiary designation to be sure it meets these requirements. If your name changes,
complete the Name Change section of this form.
Examples of Naming Beneficiaries
Be sure to use given names such as “Mary M. Doe,” not “Mrs. John Doe” and include the address and relationship of the beneficiary
or beneficiaries to the participant. The following examples may be helpful to you:
Name
One Primary Beneficiary
Relationship Social Security Number
Address
Amount/Percent
Mary M. Doe
Sister
XXX-XX-6789
XXXXXXXXXXX
100%
Two Primary Beneficiaries
Jane J. Doe
John J. Doe
or to the survivor
Mother
Father
XXX-XX-6789
XXX-XX-6789
XXXXXXXXXXX
XXXXXXXXXXX
50%
50%
One Primary
Beneficiary and
One Contingent
Jane J. Doe
if living; otherwise
to John J. Doe
Wife
XXX-XX-6789
XXXXXXXXXXX
100%
Son
XXX-XX-6789
XXXXXXXXXXX
100%
Estate
My Estate
Trust
ABC Bank and
Trust Co.
Testamentary Trust (Trust
established within the
participant’s will)
100%
Trustee or successor in trust under (Trust
Name) established (Date of Trust
John J. Doe/ Trust created by the Last Will and
ABC Bank Testament of the participant
XXXXXXXXXXX
100%
XXXXXXXXXXX
100%
Children & Grandchildren
John J. Doe
Son
XXX-XX-6789
XXXXXXXXXXX
33.4%
(if Beneficiary is a minor,
Jane J. Doe
Daughter
XXX-XX-6789
XXXXXXXXXXX
33.3%
use sample wording
William J. Doe
Son
XXX-XX-6789
XXXXXXXXXXX
33.3%
Provided that if any of my children predeceases me, the surviving children of any such child shall
shown below.)
receive in equal portions the share their parent would have received, if living. If no child of a
deceased child survives, the share of that child of mine shall go to the survivor or survivors of my
children, equally.
Minor Children
(Custodian for Minor)
10.31.2011 131126
John J. Doe, son and Jane J. Doe, daughter, equally, or to the survivor. However, if any proceeds
become payable to a beneficiary who is a minor as defined in the Iowa Uniform Transfers to Minors Act
(UTMA), such proceeds shall be paid to Frank Doe, as custodian for John Doe under the Iowa UTMA
and Frank Doe, as custodian for Jane Doe under the Iowa UTMA.
Beneficiary Form - Page 3 of 3
342725
Integrated Statistics Incorporated 401(k) Plan
Rollover Form
Principal Life Insurance Company
Des Moines, IA 50306-9394
Contract/Plan ID Number 8-07309
CTD01314
Follow these simple steps to combine balances from a previous employer’s plan with the current plan.
Name (Last)
__________________________
(First)
(MI)
_____________________ ________
Address
q
q
Single
Married
q
q
Male
Female
Social Security Number
___________________________________________________________
City
State
Zip
Country
_________ - _________ - _________
Phone Number
__________________________________ _____ _______ ________
(________) _________ - _________
Email Address
___________________________________________________________
Date of birth
Expected Retirement Age
Date of Original Employment
________ /________ /__________
____________________________
If you have been rehired,
complete these dates:
Date of Termination
Date of Rehire
________ /________ /________
_________ /_________ /__________
_________ /_________ /__________
Note: The email address you submit will be used for all services provided by The Principal®. We will not provide your email to third parties. For more
information, see our privacy policy at principal.com.
Request Rollover From Prior Financial Institution
•
•
Contact the financial institution that currently holds your retirement funds to request a rollover.
Instruct them to complete the rollover check as follows:
Please mail this completed form
Checks must be made payable to:
with your check to:
Principal Life Insurance Company
The Principal Financial Group
P.O. Box 9394
Des Moines, IA 50306-9394
FBO: Your Name
Contract Number/Plan ID 8-07309
If you have questions or would like assistance in contacting the financial institution to obtain your rollover funds, please call our
Client Contact Center at 1-800-547-7754.
1
Rollover Information
The retirement funds rolled over into this plan result from a distribution from a: (please check applicable boxes).
q
q
401(k) or other Qualified Plan
Simplified Employee Pension Plan (SEP)
Name of Financial Institution from which
funds are transferring
_______________________________________
q
q
SIMPLE IRA
q
q
Governmental 457 Plan
IRA (pre-tax contributions)
403(b) Plan
Previous Plan/Account Name and Number from which
funds are transferring
________________________________________________
The rollover is assumed to be a pre-tax distribution unless specified below:
Amount of non-Roth After-Tax Contributions (i.e., basis)
$_________
Amount of Roth After-tax Contributions (i.e., basis)
$_________
Amount of Earnings on Roth After-tax
$_________
st
Year 1 Roth After-tax Contribution was made
_________
You may roll over a distribution from a traditional IRA to a plan qualified under Code section 401(a) or (b) annuity or
governmental 457(b) plan to the extent that the distribution would be taxable if not rolled over. After-tax contributions in an IRA
may not be rolled over to one of these plans. Amounts rolled into a Governmental 457(b) plan other than another governmental
457(b) plan are subject to a 10% early withdrawal tax.
Note: You may rollover a Roth account only into a plan that allows Roth contributions. Please check your Summary Plan
Description before rolling over Roth accounts to make sure Roth contributions are available.
You may not rollover Roth contributions into a Governmental 457(b) plan.
10.31.2011 131126
Rollover Form - Page 1 of 4
342927
Rollover Form
2
Contract/Plan ID Number 8-07309
My Customized Investment Options
Make your investment election(s) by showing the percentage you want directed to each investment option. The
column must add up to 100%. This investment direction applies only to your rollover contribution. If this section is
not completed, we will invest your rollover contribution based on your current investment election, if available, or
the plan’s default investment option.
g
Short-Term Fixed Income
Morley Financial Services, Inc
Principal Stable Value Fund
g
A
...........................................................................................................................
________%
Fixed Income
BlackRock Financial Mgmt, Inc.
Inflation Protection Separate Account
............................................................................................................
A
________%
Edge Asset Management, Inc.
....................................................................................................
________%
........................................................................................................................
________%
Government & High Quality Bond Sep Acct
A
JP Morgan / Neuberger Berman
High Yield I Separate Account
A
PIMCO
Core Plus Bond I Separate Account
g
A
.................................................................................................................
________%
Balanced/Asset Allocation
Multiple Sub-Advisors
Diversified Real Asset Separate Account
A
..........................................................................................................
________%
Multiple Sub-Advisors
.....................................................................................
________%
Principal LifeTime 2010 Separate Account
A
......................................................................................................
________%
Principal LifeTime 2015 Separate Account
A
......................................................................................................
________%
Principal LifeTime 2020 Separate Account
A
......................................................................................................
________%
Principal LifeTime 2025 Separate Account
A
......................................................................................................
________%
Principal LifeTime 2030 Separate Account
A
......................................................................................................
________%
Principal LifeTime 2035 Separate Account
A
......................................................................................................
________%
Principal LifeTime 2040 Separate Account
A
......................................................................................................
________%
Principal LifeTime 2045 Separate Account
A
......................................................................................................
________%
Principal LifeTime 2050 Separate Account
A
......................................................................................................
________%
Principal LifeTime 2055 Separate Account
A
......................................................................................................
________%
....................................................................................................................
________%
Principal LifeTime Strategic Income Separate Account
SAM Balanced Separate Account
A
SAM Conservative Balanced Separate Account
A
................................................................................................
________%
SAM Conservative Growth Separate Account
...................................................................................................
________%
..........................................................................................................
________%
........................................................................................................
________%
..........................................................................................................
________%
....................................................................................................................
________%
SAM Flexible Income Separate Account
A
SAM Strategic Growth Separate Account
g
A
A
A
Large U.S. Equity
Edge Asset Management, Inc.
Capital Appreciation Separate Account
Equity Income Separate Account
A
A
Principal Global Investors
....................................................................................................
________%
A
.............................................................................................................
________%
A
.............................................................................................................
________%
.................................................................................................................
________%
LargeCap S&P 500 Index Separate Account
A
T. Rowe Price/Brown Advisory
LargeCap Growth I Separate Account
g
Small/Mid U.S. Equity
AllianceBern / CCI / Brown
SmallCap Growth I Separate Account
Columbus Circle Investors
MidCap Growth Separate Account
10.31.2011 131126
283430
A
Rollover Form - Page 2 of 4
Rollover Form
Contract/Plan ID Number 8-07309
Goldman Sachs/LA Capital Mgmt
MidCap Value I Separate Account
A
________%
..................................................................................................................
Principal Global Investors
.......................................................................................................
________%
.....................................................................................................
________%
..................................................................................................................
________%
....................................................................................................................
________%
MidCap S&P 400 Index Separate Account
A
SmallCap S&P 600 Index Separate Account
SmallCap Value Separate Account
g
A
A
International Equity
Fidelity / Schroders
International I Separate Account
A
Principal Global Investors
A
.......................................................................................................
________%
A
.......................................................................................................
________%
TOTAL of all lines should equal ..............................................................................................................................
100 %
International Emerging Markets Sep Acct
Principal Global Investors/DFA
International SmallCap Separate Account
Do not delete
3
My Signature (Please sign below after you have completed this form)
I may ROLLOVER only retirement funds that are allowed under the retirement plan. I have verified with
my benefits representative that these funds can be deposited according to plan provisions.
By signing below you declare this information is correct.
My Signature
Date
X________________________________________________________________
4
_________ /_________ /_________
Plan Sponsor Signature (Please sign below after you have reviewed this form)
Based on the information above, this rollover contribution is acceptable according to the plan provisions. Principal
Life Insurance Company is directed to accept this rollover contribution and keep the appropriate records and accounts.
Plan Sponsor or Trustee Name
_________________________________________________________________
Plan Sponsor or Trustee Signature
Date
X________________________________________________________________
_________ /_________ /_________
5
Submit Rollover Form and Check
You or your current plan sponsor can return your completed form:
q
Check Enclosed
q
Financial Institution will forward
Mail to:
Fax to:
Principal Life Insurance Company
P.O. Box 9394
Des Moines, IA 50306-9394
1-866-704-3481
A For more information about this investment option, including its full name, please visit The Principal Web site at www.principal.com or call 1-800-547-7754 for
assistance from a retirement specialist.
Insurance products and plan administrative services are provided by Principal Life Insurance Company.
Rollover Form - Page 3 of 4
10.31.2011 131126
343129
Rollover Form
Contract/Plan ID Number 8-07309
This workbook content is current as of the production date noted below. If there are any discrepancies between this information and the legal plan document,
the legal plan document will govern. If the production date is older than six months, you should contact your plan sponsor or log in to principal.com for current
retirement plan and investment option information. The member companies of the Principal Financial Group® prohibit the manipulation of this workbook
content. If your plan sponsor elects to provide this workbook electronically, The Principal® is not responsible for any unauthorized changes.
303432
Rollover Form - Page 4 of 4
10.31.2011 131126
Investment Option
Summary
Integrated Statistics Incorporated 401(k)
Plan
Principal Life Insurance Company
Des Moines, IA 50306-9394
As of 09/30/2011
Investment results shown represent historical performance and do not guarantee future results. Investment returns
and principal values fluctuate with changes in interest rates and other market conditions so the value, when
redeemed, may be worth more or less than original costs. Current performance may be lower or higher than the
performance data shown. For more performance information, including most recent month-end performance, visit
the Principal Financial Group ® Web site at principal.com, or call our Client Contact Center at 800-547-7754.
The gross total investment expense figure does not reflect any waivers or caps on the mutual fund or underlying
mutual fund in which a separate account investment option invests. Returns displayed are always based on net
total investment expense. For more information please access the Investment Option Profile by visiting The
Principal Web site at principal.com, or call our Client Contact Center at 800-547-7754.
Investment Advisor
Investment Option Name
and Description
Average Annualized Return as of 09/30/2011
Short-Term Fixed Income
This asset class is generally comprised of short-term, fixed-income investment options that are largely liquid and are designed to not lose much value. These investment
options may include stable value, money market, short-term bond, and guaranteed interest accounts. They are considered to be among the least risky forms of
investment options. However, they typically have a lower rate of return than equities or longer-term fixed income investment options over long periods of time.
Depending on the objectives of the investment options, they may experience price fluctuations and may lose value.
Stable Value
Principal Stable Value Fund
YTD Ret
The objective of the Fund is to provide a low-risk,
moderate-yield investment. The Fund is managed
to earn a consistent level of return, while providing
for preservation of capital, high credit quality and
liquidity to pay plan benefits.
1- Year
1.40
1.97
Composition (% of Assets) as of 09/30/2011
Cash
15.20
Other
6.90
U.S. Bonds
3- Year
5- Year
2.16
2.94
Since
Incept
10-Year
3.41
Fees & Expenses:
77.90
Incept
Date
4.13
1/1997
Total Inv
Exp Gross
0.60
# of Transfers Allowed/Time Period
Redemption fee:
--
12b-1fee: Total Inv Exp Net: 0.60
Contractual Cap Expiration Date: N/A
Waiver Expiration Date: N/A
Fixed Income
This asset class is generally comprised of investment options that invest in bonds, or debt of a company or government entity (including U.S. and Non- U.S.). It may also
include real estate investment options that directly own property. These investment options typically carry more risk than short-term fixed income investment options
(including, for real estate investment options, liquidity risk), but less overall risk than equities. All investment options in this category have the potential to lose value.
High Yield Bond
High Yield I Separate Account
A,5,10,14,16,17,F
YTD Ret
The investment seeks high current income. The
fund invests at least 80% of net assets in
high-yield, below investment-grade quality debt. It
may also invest in corporate loan participations
and assignments. The fund may actively trade
portfolio securities in an attempt to achieve its
investment objective.
1- Year
-3.35
Composition (% of Assets) as of 08/31/2011
3- Year
0.04
5- Year
13.03
7.28
Fees & Expenses:
Cash
4.12
U.S. Stocks
0.24
Redemption fee:
Non-U.S. Stocks
0.20
Non-U.S. Bonds
7.79
12b-1fee: -
0.01
Preferred
0.67
Total Inv Exp Net: 1.03
Other
5.44
Contractual Cap Expiration Date: N/A
Convertibles
U.S. Bonds
81.54
Since
Incept
10-Year
--
Incept
Date
6.67
12/2004
Total Inv
Exp Gross
1.03
# of Transfers Allowed/Time Period
1/30 day period
Waiver Expiration Date: N/A
10.31.2011 131126
Investment Option Summary - Page 1 of 15
343331
Investment Option
Summary
Investment Advisor
Contract/Plan ID Number 8-07309
Investment Option Name
and Description
Average Annualized Return as of 09/30/2011
Fixed Income
This asset class is generally comprised of investment options that invest in bonds, or debt of a company or government entity (including U.S. and Non- U.S.). It may also
include real estate investment options that directly own property. These investment options typically carry more risk than short-term fixed income investment options
(including, for real estate investment options, liquidity risk), but less overall risk than equities. All investment options in this category have the potential to lose value.
Intermediate-Term Bond
Core Plus Bond I Separate Account
A,10,14,17,F
YTD Ret
The investment seeks maximum total return,
consistent with preservation of capital and
prudent investment management. The fund
normally invests at least 80% of net assets in a
diversified portfolio of fixed-income instruments of
varying maturities, which may be represented by
forwards or derivatives such as options, futures
contracts, or swap agreements. The average
portfolio duration of the fund normally varies
within two years (plus or minus) of the duration of
the Barclays Capital Aggregate Bond Index. The
fund may also invest up to 20% of total assets in
high-yield securities.
1.50
1- Year
4.29
-6.00
Preferred
1.68
Other
4.02
Non-U.S. Stocks
Convertibles
--
--
-
-
-
-
Fees & Expenses:
-0.23
0.49
U.S. Bonds
Since
Incept
10-Year
6.85
Composition (% of Assets) as of 08/31/2011
Non-U.S. Bonds
5- Year
-0.25
PIMCO Core Plus Total Return Full
§
Authority Composite
Cash
3- Year
95.75
Incept
Date
Total Inv
Exp Gross
6.85
9/2008
0.96
–
–
–
# of Transfers Allowed/Time Period
Redemption fee:
1/30 day period
12b-1fee: Total Inv Exp Net: 0.96
Contractual Cap Expiration Date: N/A
Waiver Expiration Date: N/A
Intermediate Government
Government & High Quality Bond
Sep Acct A,14,17,20,F
The investment seeks to achieve its investment
objective by investing primarily in securities that
are AAA rated or issued by the U.S. government, its
agencies or instrumentalities. The investment may
invest in mortgage-backed securities representing
an interest in a pool of mortgage loans. These
securities are rated AAA by Standard & Poor’s
Corporation or Aaa by Moody’s Investor Services,
Inc. or, if unrated, determined by the sub-advisor
to be of equivalent quality. Management seeks
undervalued securities that represent good
long-term investment opportunities.
YTD Ret
1- Year
5.00
4.20
Composition (% of Assets) as of 08/31/2011
Cash
0.93
Other
0.99
U.S. Bonds
3- Year
5- Year
3.03
2.87
Since
Incept
10-Year
3.15
Fees & Expenses:
98.08
Incept
Date
4.64
7/1993
Total Inv
Exp Gross
0.78
# of Transfers Allowed/Time Period
Redemption fee:
1/30 day period
12b-1fee: Total Inv Exp Net: 0.78
Contractual Cap Expiration Date: N/A
Waiver Expiration Date: N/A
Inflation-Protected Bond
Inflation Protection Separate
Account A,10,14,17,18,F
YTD Ret
The investment seeks to provide current income
and real (after-inflation) total returns. The fund
normally invests primarily in inflation-indexed
bonds of varying maturities issued by the U.S. and
non-U.S. governments, their agencies or
instrumentalities, and U.S. and non-U.S.
corporations. It maintains an average portfolio
duration that is within 20% of the duration of the
Barclays Capital U.S. Treasury Inflation Protected
Securities (TIPS) Index.
1- Year
9.31
Composition (% of Assets) as of 08/31/2011
Cash
Preferred
Other
20.07
0.01
-2.81
Non-U.S. Bonds
U.S. Bonds
3- Year
8.39
5- Year
3.56
1.10
Fees & Expenses:
0.42
82.31
Redemption fee:
Since
Incept
10-Year
--
Incept
Date
1.32
12/2004
Total Inv
Exp Gross
0.79
# of Transfers Allowed/Time Period
1/30 day period
12b-1fee: Total Inv Exp Net: 0.79
Contractual Cap Expiration Date: N/A
Waiver Expiration Date: N/A
323434
Investment Option Summary - Page 2 of 15
10.31.2011 131126
Investment Option
Summary
Contract/Plan ID Number 8-07309
Investment Advisor
Investment Option Name
and Description
Average Annualized Return as of 09/30/2011
Balanced/Asset Allocation
This asset class is generally comprised of a combination of fixed income and equity investment options. These investment options may include balanced, asset allocation,
target-date, and target-risk investment options. Although typically lower risk than investment options that invest solely in equities, all investment options in this category
have the potential to lose value.
Conservative Allocation
SAM Conservative Balanced
Separate Account A,9,12,17,19,23,26,29,F
The investment seeks to provide a high level of
total return, consistent with a moderate degree of
principal risk. The Portfolio operates as a fund of
funds and invests principally in Institutional Class
shares of Principal Funds. The Portfolio: (1)
Generally invests between 40% and 80% of assets
in fixed-income funds, and less than 40% in any
one fixed-income fund (2) Generally invests
between 20% and 60% of assets in equity funds,
and less than 30% in any one equity fund (3)
Generally invests less than 20% of assets in
specialty funds, and less than 20% in any one
specialty fund.
YTD Ret
1- Year
-3.62
0.47
Composition (% of Assets) as of 08/31/2011
Cash
3.52
Non-U.S. Stocks
10.23
Convertibles
0.17
U.S. Bonds
45.53
U.S. Stocks
3- Year
5- Year
5.51
3.21
4.61
Fees & Expenses:
31.72
Incept
Date
4.36
1/2007
Total Inv
Exp Gross
1.39
# of Transfers Allowed/Time Period
Redemption fee:
1/30 day period
4.68
12b-1fee: -
Preferred
3.36
Total Inv Exp Net: 1.39
Other
0.77
Contractual Cap Expiration Date: N/A
Non-U.S. Bonds
Since
Incept
10-Year
Waiver Expiration Date: N/A
SAM Flexible Income Separate
Account A,9,12,17,19,23,26,29,F
YTD Ret
The investment seeks to provide a high level of
total return (consisting of reinvestment of income
with some capital appreciation). The Portfolio
operates as a fund of funds and invests principally
in Institutional Class shares of Principal Funds. The
Portfolio: (1) Generally invests between 55% and
95% of assets in fixed-income funds, and less than
40% in any one fixed-income fund (2) Generally
invests between 5% and 45% of assets in equity
funds, and less than 30% in any one equity fund
(3) Generally invests less than 20% of assets in
specialty funds, and less than 20% in any one
specialty fund.
1- Year
-1.43
1.10
Composition (% of Assets) as of 08/31/2011
Cash
3.59
U.S. Stocks
Non-U.S. Stocks
6.84
Non-U.S. Bonds
0.22
Convertibles
U.S. Bonds
55.63
3- Year
5- Year
6.81
4.05
Since
Incept
10-Year
4.60
Fees & Expenses:
21.01
Incept
Date
5.62
1/2007
Total Inv
Exp Gross
1.40
# of Transfers Allowed/Time Period
Redemption fee:
1/30 day period
6.52
12b-1fee: -
Preferred
5.27
Total Inv Exp Net: 1.37
Other
0.92
Contractual Cap Expiration Date: N/A
Waiver Expiration Date: N/A
Moderate Allocation
Diversified Real Asset Separate
Account A,3,9,25,F
YTD Ret
The investment seeks a long-term total return in
excess of inflation. The fund invests at least 80% of
assets among the following general investment
categories: inflation-indexed bonds, real estate
investment trusts (REITs), commodity index-linked
notes, fixed-income securities, securities of natural
resource companies and master limited
partnerships (MLPs). Its allocation among the
investment categories is: 22%-38% in
Inflation-indexed bonds, 17-33% in Commodity
Index-linked Notes, 15-25% in REITs, 10-20% in
Natural Resources, and 5-15% in MLPs. The
allocations may vary from time to time.
1- Year
-6.15
Composition (% of Assets) as of 08/31/2011
3- Year
2.14
--
U.S. Stocks
36.58
Redemption fee:
Non-U.S. Stocks
5.93
U.S. Bonds
26.93
12b-1fee: -
Other
8.98
Since
Incept
10-Year
--
Fees & Expenses:
21.58
Cash
5- Year
--
Incept
Date
5.30
12/2010
Total Inv
Exp Gross
1.28
# of Transfers Allowed/Time Period
1/30 day period
Total Inv Exp Net: 1.28
Contractual Cap Expiration Date: 12/31/2012
Waiver Expiration Date: 12/31/2012
Investment Option Summary - Page 3 of 15
10.31.2011 131126
343533
Investment Option
Summary
Investment Advisor
Contract/Plan ID Number 8-07309
Investment Option Name
and Description
Average Annualized Return as of 09/30/2011
Balanced/Asset Allocation
This asset class is generally comprised of a combination of fixed income and equity investment options. These investment options may include balanced, asset allocation,
target-date, and target-risk investment options. Although typically lower risk than investment options that invest solely in equities, all investment options in this category
have the potential to lose value.
Moderate Allocation
SAM Balanced Separate Account
A,9,12,17,19,23,26,29,F
YTD Ret
The investment seeks to provide a high level of
total return (consisting of reinvestment of income
with some capital appreciation). The Portfolio
operates as a fund of funds and invests principally
in Institutional Class shares of Principal Funds. The
Portfolio: (1) Generally invests between 20% and
60% of assets in fixed-income funds, and less than
40% in any one fixed-income fund (2) Generally
invests between 40% and 80% of assets in equity
funds, and less than 30% in any one equity fund
(3) Generally invests less than 20% of assets in
specialty funds, and less than 20% in any one
specialty fund.
-6.40
1- Year
-0.59
Composition (% of Assets) as of 08/31/2011
Cash
2.65
Non-U.S. Stocks
15.86
Convertibles
0.12
U.S. Bonds
29.14
U.S. Stocks
3- Year
5- Year
3.92
1.86
4.27
Fees & Expenses:
46.38
Since
Incept
Incept
Date
6.04
1/2007
Total Inv
Exp Gross
1.42
# of Transfers Allowed/Time Period
Redemption fee:
1/30 day period
2.87
12b-1fee: -
Preferred
2.32
Total Inv Exp Net: 1.42
Other
0.65
Contractual Cap Expiration Date: N/A
Non-U.S. Bonds
10-Year
Waiver Expiration Date: N/A
Aggressive Allocation
SAM Conservative Growth Separate
Account A,9,12,17,19,23,26,29,F
The investment seeks to provide long-term capital
appreciation. The Portfolio operates as a fund of
funds and invests principally in Institutional Class
shares of Principal Funds. The Portfolio: (1)
Generally invests between 0% and 40% of assets
in fixed-income funds, and less than 30% in any
one fixed-income fund (2) Generally invests
between 60% and 100% of assets in equity funds,
and less than 40% in any one equity fund (3)
Generally invests less than 20% of assets in
specialty funds, and less than 20% in any one
specialty fund.
YTD Ret
-9.48
1- Year
-1.94
Composition (% of Assets) as of 08/31/2011
Cash
2.34
Non-U.S. Stocks
20.50
Convertibles
0.05
U.S. Bonds
12.48
U.S. Stocks
3- Year
5- Year
1.61
-0.08
3.54
Fees & Expenses:
62.05
Since
Incept
Incept
Date
5.64
1/2007
Total Inv
Exp Gross
1.45
# of Transfers Allowed/Time Period
Redemption fee:
1/30 day period
1.11
12b-1fee: -
Preferred
0.80
Total Inv Exp Net: 1.45
Other
0.68
Contractual Cap Expiration Date: N/A
Non-U.S. Bonds
10-Year
Waiver Expiration Date: N/A
Retirement Income
Principal LifeTime Strategic Income
Separate Account A,12,17,23,26,28,F
The investment seeks current income and, as a
secondary objective, capital appreciation. The fund
invests in underlying Principal domestic and
foreign equity, real estate investments, and
fixed-income funds according to an asset
allocation strategy designed for investors primarily
seeking current income and secondarily capital
appreciation. Its asset allocation is designed for
investors who are approximately 15 years beyond
the normal retirement age of 65. The fund invests
in PFI Institutional Class shares of underlying
funds.
YTD Ret
1- Year
-0.38
Composition (% of Assets) as of 08/31/2011
Cash
Non-U.S. Stocks
Convertibles
U.S. Bonds
10.03
U.S. Stocks
Non-U.S. Bonds
0.10
Preferred
60.06
Other
1.86
5- Year
4.93
1.04
Fees & Expenses:
15.14
6.67
3- Year
Redemption fee:
4.90
12b-1fee: -
3.14
Total Inv Exp Net: 1.01
-0.05
10-Year
4.03
Since
Incept
Incept
Date
3.86
3/2001
Total Inv
Exp Gross
1.01
# of Transfers Allowed/Time Period
1/30 day period
Contractual Cap Expiration Date: N/A
Waiver Expiration Date: N/A
343436
Investment Option Summary - Page 4 of 15
10.31.2011 131126
Investment Option
Summary
Contract/Plan ID Number 8-07309
Investment Advisor
Investment Option Name
and Description
Average Annualized Return as of 09/30/2011
Balanced/Asset Allocation
This asset class is generally comprised of a combination of fixed income and equity investment options. These investment options may include balanced, asset allocation,
target-date, and target-risk investment options. Although typically lower risk than investment options that invest solely in equities, all investment options in this category
have the potential to lose value.
Target Date 2000-2010
Principal LifeTime 2010 Separate
Account A,12,17,23,26,28,F
The investment seeks a total return consisting of
long-term growth of capital and current income.
The fund invests in underlying Principal domestic
and foreign equity, real estate investments, and
fixed-income funds according to an asset
allocation strategy designed for investors having
an investment time horizon comparable to that of
the fund. It allocates the assets more
conservatively over time. The fund invests in PFI
Institutional Class shares of underlying funds.
YTD Ret
1- Year
-4.21
0.98
Composition (% of Assets) as of 08/31/2011
Cash
7.31
Non-U.S. Stocks
13.41
Convertibles
0.08
U.S. Bonds
43.33
U.S. Stocks
3- Year
5- Year
4.20
0.30
4.08
Fees & Expenses:
29.30
Incept
Date
3.80
3/2001
Total Inv
Exp Gross
1.09
# of Transfers Allowed/Time Period
Redemption fee:
1/30 day period
3.24
12b-1fee: -
Preferred
3.19
Total Inv Exp Net: 1.09
Other
0.15
Contractual Cap Expiration Date: N/A
Non-U.S. Bonds
Since
Incept
10-Year
Waiver Expiration Date: N/A
Target Date 2011-2015
Principal LifeTime 2015 Separate
Account A,12,17,23,26,28,F
The investment seeks a total return consisting of
long-term growth of capital and current income.
The fund invests in underlying Principal domestic
and foreign equity, real estate investments, and
fixed-income funds according to an asset
allocation strategy designed for investors having
an investment time horizon comparable to that of
the fund. It allocates the assets more
conservatively over time. The fund invests in PFI
Institutional Class shares of underlying funds.
YTD Ret
-6.40
1- Year
-0.48
Composition (% of Assets) as of 08/31/2011
Cash
5.47
Non-U.S. Stocks
17.17
Convertibles
0.07
U.S. Bonds
33.22
U.S. Stocks
3- Year
5- Year
3.34
--
--
Fees & Expenses:
38.80
Incept
Date
-0.84
2/2008
Total Inv
Exp Gross
1.12
# of Transfers Allowed/Time Period
Redemption fee:
1/30 day period
2.07
12b-1fee: -
Preferred
2.85
Total Inv Exp Net: 1.12
Other
0.35
Contractual Cap Expiration Date: 02/29/2012
Non-U.S. Bonds
Since
Incept
10-Year
Waiver Expiration Date: 02/29/2012
Target Date 2016-2020
Principal LifeTime 2020 Separate
Account A,12,17,23,26,28,F
The investment seeks a total return consisting of
long-term growth of capital and current income.
The fund invests in underlying Principal domestic
and foreign equity, real estate investments, and
fixed-income funds according to an asset
allocation strategy designed for investors having
an investment time horizon comparable to that of
the fund. It allocates the assets more
conservatively over time. The fund invests in PFI
Institutional Class shares of underlying funds.
YTD Ret
-8.24
1- Year
-1.89
Composition (% of Assets) as of 08/31/2011
Cash
Non-U.S. Stocks
Convertibles
U.S. Bonds
3.77
19.15
0.06
25.37
U.S. Stocks
3- Year
5- Year
2.84
-0.50
Fees & Expenses:
47.02
Redemption fee:
1.36
12b-1fee: -
Preferred
2.77
Total Inv Exp Net: 1.13
Other
0.49
Contractual Cap Expiration Date: N/A
Non-U.S. Bonds
10-Year
4.15
Since
Incept
Incept
Date
3.76
3/2001
Total Inv
Exp Gross
1.13
# of Transfers Allowed/Time Period
1/30 day period
Waiver Expiration Date: N/A
Investment Option Summary - Page 5 of 15
10.31.2011 131126
343735
Investment Option
Summary
Investment Advisor
Contract/Plan ID Number 8-07309
Investment Option Name
and Description
Average Annualized Return as of 09/30/2011
Balanced/Asset Allocation
This asset class is generally comprised of a combination of fixed income and equity investment options. These investment options may include balanced, asset allocation,
target-date, and target-risk investment options. Although typically lower risk than investment options that invest solely in equities, all investment options in this category
have the potential to lose value.
Target Date 2021-2025
Principal LifeTime 2025 Separate
Account A,12,17,23,26,28,F
The investment seeks a total return consisting of
long-term growth of capital and current income.
The fund invests in underlying Principal domestic
and foreign equity, real estate investments, and
fixed-income funds according to an asset
allocation strategy designed for investors having
an investment time horizon comparable to that of
the fund. It allocates the assets more
conservatively over time. The fund invests in PFI
Institutional Class shares of underlying funds.
YTD Ret
-9.19
1- Year
-2.30
Composition (% of Assets) as of 08/31/2011
Cash
3.16
Non-U.S. Stocks
21.51
Convertibles
0.05
U.S. Bonds
21.93
U.S. Stocks
3- Year
5- Year
2.12
--
--
Fees & Expenses:
49.42
Incept
Date
-2.19
2/2008
Total Inv
Exp Gross
1.15
# of Transfers Allowed/Time Period
Redemption fee:
1/30 day period
1.12
12b-1fee: -
Preferred
2.13
Total Inv Exp Net: 1.15
Other
0.67
Contractual Cap Expiration Date: 02/29/2012
Non-U.S. Bonds
Since
Incept
10-Year
Waiver Expiration Date: 02/29/2012
Target Date 2026-2030
Principal LifeTime 2030 Separate
Account A,12,17,23,26,28,F
The investment seeks a total return consisting of
long-term growth of capital and current income.
The fund invests in underlying Principal domestic
and foreign equity, real estate investments, and
fixed-income funds according to an asset
allocation strategy designed for investors having
an investment time horizon comparable to that of
the fund. It allocates the assets more
conservatively over time. The fund invests in PFI
Institutional Class shares of underlying funds.
YTD Ret
-9.85
1- Year
-2.63
Composition (% of Assets) as of 08/31/2011
Cash
2.68
Non-U.S. Stocks
22.66
Convertibles
0.04
U.S. Bonds
18.40
U.S. Stocks
3- Year
5- Year
2.12
-0.99
3.95
Fees & Expenses:
51.97
Incept
Date
3.45
3/2001
Total Inv
Exp Gross
1.15
# of Transfers Allowed/Time Period
Redemption fee:
1/30 day period
1.12
12b-1fee: -
Preferred
2.44
Total Inv Exp Net: 1.15
Other
0.68
Contractual Cap Expiration Date: N/A
Non-U.S. Bonds
Since
Incept
10-Year
Waiver Expiration Date: N/A
Target Date 2031-2035
Principal LifeTime 2035 Separate
Account A,12,17,23,26,28,F
The investment seeks a total return consisting of
long-term growth of capital and current income.
The fund invests in underlying Principal domestic
and foreign equity, real estate investments, and
fixed-income funds according to an asset
allocation strategy designed for investors having
an investment time horizon comparable to that of
the fund. It allocates the assets more
conservatively over time. The fund invests in PFI
Institutional Class shares of underlying funds.
YTD Ret
-10.72
1- Year
-3.09
Composition (% of Assets) as of 08/31/2011
Cash
Non-U.S. Stocks
Convertibles
U.S. Bonds
2.26
25.32
0.03
14.40
U.S. Stocks
3- Year
5- Year
1.42
--
Fees & Expenses:
54.16
Redemption fee:
0.93
12b-1fee: -
Preferred
2.25
Total Inv Exp Net: 1.17
Other
0.64
Contractual Cap Expiration Date: 02/29/2012
Non-U.S. Bonds
Since
Incept
10-Year
--
Incept
Date
-2.94
2/2008
Total Inv
Exp Gross
1.17
# of Transfers Allowed/Time Period
1/30 day period
Waiver Expiration Date: 02/29/2012
363438
Investment Option Summary - Page 6 of 15
10.31.2011 131126
Investment Option
Summary
Contract/Plan ID Number 8-07309
Investment Advisor
Investment Option Name
and Description
Average Annualized Return as of 09/30/2011
Balanced/Asset Allocation
This asset class is generally comprised of a combination of fixed income and equity investment options. These investment options may include balanced, asset allocation,
target-date, and target-risk investment options. Although typically lower risk than investment options that invest solely in equities, all investment options in this category
have the potential to lose value.
Target Date 2036-2040
Principal LifeTime 2040 Separate
Account A,12,17,23,26,28,F
The investment seeks a total return consisting of
long-term growth of capital and current income.
The fund invests in underlying Principal domestic
and foreign equity, real estate investments, and
fixed-income funds according to an asset
allocation strategy designed for investors having
an investment time horizon comparable to that of
the fund. It allocates the assets more
conservatively over time. The fund invests in PFI
Institutional Class shares of underlying funds.
YTD Ret
-11.30
1- Year
-3.33
Composition (% of Assets) as of 08/31/2011
Cash
1.95
Non-U.S. Stocks
27.15
Convertibles
0.03
U.S. Bonds
11.39
U.S. Stocks
3- Year
5- Year
1.24
-1.53
3.70
Fees & Expenses:
55.81
Incept
Date
3.30
3/2001
Total Inv
Exp Gross
1.16
# of Transfers Allowed/Time Period
Redemption fee:
1/30 day period
0.83
12b-1fee: -
Preferred
2.22
Total Inv Exp Net: 1.16
Other
0.62
Contractual Cap Expiration Date: N/A
Non-U.S. Bonds
Since
Incept
10-Year
Waiver Expiration Date: N/A
Target Date 2041-2045
Principal LifeTime 2045 Separate
Account A,12,17,23,26,28,F
The investment seeks a total return consisting of
long-term growth of capital and current income.
The fund invests in underlying Principal domestic
and foreign equity, real estate investments, and
fixed-income funds according to an asset
allocation strategy designed for investors having
an investment time horizon comparable to that of
the fund. It allocates the assets more
conservatively over time. The fund invests in PFI
Institutional Class shares of underlying funds.
YTD Ret
-11.60
1- Year
-3.40
Composition (% of Assets) as of 08/31/2011
Cash
1.73
Non-U.S. Stocks
28.64
U.S. Stocks
5- Year
0.98
Since
Incept
10-Year
--
--
Fees & Expenses:
56.84
Non-U.S. Bonds
3- Year
-3.38
12b-1fee: -
2/2008
Total Inv
Exp Gross
1.21
# of Transfers Allowed/Time Period
Redemption fee:
0.72
Incept
Date
1/30 day period
Convertibles
0.02
Preferred
2.00
Total Inv Exp Net: 1.21
U.S. Bonds
9.49
Other
0.57
Contractual Cap Expiration Date: 02/29/2012
Waiver Expiration Date: 02/29/2012
Target Date 2050+
Principal LifeTime 2050 Separate
Account A,12,17,23,26,28,F
The investment seeks a total return consisting of
long-term growth of capital and current income.
The fund invests in underlying Principal domestic
and foreign equity, real estate investments, and
fixed-income funds according to an asset
allocation strategy designed for investors having
an investment time horizon comparable to that of
the fund. It allocates the assets more
conservatively over time. The fund invests in PFI
Institutional Class shares of underlying funds.
YTD Ret
-12.21
1- Year
-3.89
Composition (% of Assets) as of 08/31/2011
Cash
Non-U.S. Stocks
1.42
30.20
U.S. Stocks
5- Year
0.74
-1.86
Fees & Expenses:
58.41
Non-U.S. Bonds
3- Year
Redemption fee:
0.64
12b-1fee: -
Convertibles
0.02
Preferred
1.95
Total Inv Exp Net: 1.18
U.S. Bonds
6.78
Other
0.58
Contractual Cap Expiration Date: N/A
10-Year
3.49
Since
Incept
Incept
Date
2.81
3/2001
Total Inv
Exp Gross
1.18
# of Transfers Allowed/Time Period
1/30 day period
Waiver Expiration Date: N/A
Investment Option Summary - Page 7 of 15
10.31.2011 131126
343937
Investment Option
Summary
Investment Advisor
Contract/Plan ID Number 8-07309
Investment Option Name
and Description
Average Annualized Return as of 09/30/2011
Balanced/Asset Allocation
This asset class is generally comprised of a combination of fixed income and equity investment options. These investment options may include balanced, asset allocation,
target-date, and target-risk investment options. Although typically lower risk than investment options that invest solely in equities, all investment options in this category
have the potential to lose value.
Target Date 2050+
Principal LifeTime 2055 Separate
Account A,12,17,23,26,28,F
The investment seeks a total return consisting of
long-term growth of capital and current income.
The fund invests in underlying Principal domestic
and foreign equity, real estate investments, and
fixed-income funds according to an asset
allocation strategy designed for investors having
an investment time horizon comparable to that of
the fund. It allocates the assets more
conservatively over time. The fund invests in PFI
Institutional Class shares of underlying funds.
YTD Ret
-12.43
1- Year
-4.23
Composition (% of Assets) as of 08/31/2011
Cash
Non-U.S. Stocks
1.34
32.68
U.S. Stocks
3- Year
5- Year
0.65
Since
Incept
10-Year
--
--
Fees & Expenses:
57.29
Non-U.S. Bonds
-3.86
12b-1fee: -
2/2008
Total Inv
Exp Gross
1.40
# of Transfers Allowed/Time Period
Redemption fee:
0.55
Incept
Date
1/30 day period
Convertibles
0.02
Preferred
1.83
Total Inv Exp Net: 1.21
U.S. Bonds
5.77
Other
0.52
Contractual Cap Expiration Date: 02/29/2012
Waiver Expiration Date: 02/29/2012
Large Blend
SAM Strategic Growth Separate
Account A,9,12,19,23,26,29,F
YTD Ret
The investment seeks to provide long-term capital
appreciation. The Portfolio operates as a fund of
funds and invests principally in Institutional Class
shares of Principal Funds. The Portfolio: (1)
Generally invests between 0% and 25% of assets
in fixed-income funds, and less than 25% in any
one fixed-income fund (2) Generally invests
between 75% and 100% of assets in equity funds,
and less than 50% in any one equity fund (3)
Generally invests less than 20% of assets in
specialty funds, and less than 20% in any one
specialty fund.
-11.82
1- Year
-3.22
Composition (% of Assets) as of 08/31/2011
Cash
Non-U.S. Stocks
U.S. Bonds
1.37
24.50
0.55
U.S. Stocks
3- Year
5- Year
0.09
-1.28
Fees & Expenses:
73.03
Redemption fee:
Preferred
0.17
12b-1fee: -
Other
0.38
Total Inv Exp Net: 1.49
10-Year
3.03
Since
Incept
Incept
Date
5.69
1/2007
Total Inv
Exp Gross
1.49
# of Transfers Allowed/Time Period
1/30 day period
Contractual Cap Expiration Date: N/A
Waiver Expiration Date: N/A
383440
Investment Option Summary - Page 8 of 15
10.31.2011 131126
Investment Option
Summary
Contract/Plan ID Number 8-07309
Investment Advisor
Investment Option Name
and Description
Average Annualized Return as of 09/30/2011
Large U.S. Equity
This asset class is generally comprised of investment options that invest in stocks, or shares of ownership in large, well-established, U.S. companies. These investment
options typically carry more risk than fixed income investment options but have the potential for higher returns over longer time periods. They may be an appropriate
choice for long-term investors who are seeking the potential for growth. All investment options in this category have the potential to lose value.
Large Value
Equity Income Separate Account
A,3,9,F
YTD Ret
The investment seeks to provide a relatively high
level of current income and long-term growth of
income and capital. The fund invests primarily at
least 80% of net assets in dividend-paying equity
securities. It usually invests in equity securities of
companies with large market capitalizations, but
may also invest in equity securities of companies
with medium market capitalizations. The fund
invests in value equity securities; the value
orientation selection emphasizes buying equity
securities that appear to be undervalued. It also
invests in real estate investment trusts and
securities of foreign issuers.
1- Year
-6.48
0.17
Composition (% of Assets) as of 08/31/2011
Cash
Non-U.S. Stocks
1.68
16.33
U.S. Stocks
5- Year
1.43
-0.91
10-Year
4.97
Fees & Expenses:
81.46
Preferred
3- Year
0.54
Since
Incept
Incept
Date
7.89
6/2009
Total Inv
Exp Gross
0.90
# of Transfers Allowed/Time Period
Redemption fee:
1/30 day period
12b-1fee: Total Inv Exp Net: 0.90
Contractual Cap Expiration Date: N/A
Waiver Expiration Date: N/A
Large Blend
Capital Appreciation Separate
Account A,3,9,13,F
YTD Ret
The investment seeks to provide long-term growth
of capital. The fund invests primarily in equity
securities of companies with any market
capitalization, but may have a greater exposure to
large market capitalization companies than small
or medium capitalization companies. It invests in
equity securities with value and/or growth
characteristics and constructs an investment
portfolio that has a "blend" of equity securities
with these characteristics.
1- Year
-10.82
0.24
Composition (% of Assets) as of 08/31/2011
Cash
3.00
Non-U.S. Stocks
3.21
U.S. Stocks
3- Year
5- Year
0.82
0.40
10-Year
5.41
Fees & Expenses:
93.79
Since
Incept
Incept
Date
11.24
6/2009
Total Inv
Exp Gross
0.97
# of Transfers Allowed/Time Period
Redemption fee:
1/30 day period
12b-1fee: Total Inv Exp Net: 0.97
Contractual Cap Expiration Date: N/A
Waiver Expiration Date: N/A
LargeCap S&P 500 Index Separate
Account A,2,6,F
The investment option normally invests the
majority of assets in common stocks of companies
that compose the S&P 500 Index. Management
attempts to mirror the investment performance of
the index by allocating assets in approximately the
same weightings as the S&P 500 Index. Over the
long-term, management seeks a very close
correlation between the performance of the
Separate Account before expenses and that of the
S&P 500 Index.
YTD Ret
1- Year
-9.02
Composition (% of Assets) as of 08/31/2011
Cash
3.06
Non-U.S. Stocks
0.17
U.S. Stocks
3- Year
0.61
5- Year
0.71
-1.67
Fees & Expenses:
96.77
Redemption fee:
10-Year
2.30
Since
Incept
Incept
Date
7.22
1/1990
Total Inv
Exp Gross
0.53
# of Transfers Allowed/Time Period
1/30 day period
12b-1fee: Total Inv Exp Net: 0.53
Contractual Cap Expiration Date: N/A
Waiver Expiration Date: N/A
Investment Option Summary - Page 9 of 15
10.31.2011 131126
344139
Investment Option
Summary
Investment Advisor
Contract/Plan ID Number 8-07309
Investment Option Name
and Description
Average Annualized Return as of 09/30/2011
Large U.S. Equity
This asset class is generally comprised of investment options that invest in stocks, or shares of ownership in large, well-established, U.S. companies. These investment
options typically carry more risk than fixed income investment options but have the potential for higher returns over longer time periods. They may be an appropriate
choice for long-term investors who are seeking the potential for growth. All investment options in this category have the potential to lose value.
Large Growth
LargeCap Growth I Separate
Account A,3,19,21,22,F
YTD Ret
The investment seeks long-term growth of capital.
The fund invests at least 80% of net assets in
equity securities of companies with large market
capitalizations (those with market capitalization
ranges similar to the companies in the Russell
1000(R) Growth Index) at the time of purchase. It
invests in growth equity securities; growth
orientation emphasizes buying equity securities of
companies whose potential for growth of capital
and earnings is expected to be above average.
1- Year
-10.18
0.58
Composition (% of Assets) as of 08/31/2011
Cash
0.17
U.S. Stocks
Non-U.S. Stocks
4.57
Other
3- Year
5- Year
7.87
2.02
10-Year
2.60
Fees & Expenses:
95.17
0.09
Since
Incept
Incept
Date
-0.19
12/2000
Total Inv
Exp Gross
1.01
# of Transfers Allowed/Time Period
Redemption fee:
1/30 day period
12b-1fee: Total Inv Exp Net: 0.99
Contractual Cap Expiration Date: 02/29/2012
Waiver Expiration Date: 02/29/2012
Small/Mid U.S. Equity
This asset class is generally comprised of investment options that invest in stocks, or shares of ownership in small to medium-sized U.S. companies. These investment
options typically carry more risk than larger U.S. equity investment options but have the potential for higher returns. They may be an appropriate choice for long-term
investors who are seeking the potential for growth. All investment options in this category have the potential to lose value.
Mid Cap Value
MidCap Value I Separate Account
A,1,10,21,F
YTD Ret
The investment seeks long-term growth of capital.
The fund invests at least 80% of net assets in
equity securities of companies with medium
market capitalizations (those with market
capitalizations similar to companies in the Russell
MidCap Value Index) at the time of purchase. It
invests in value equity securities; the value
orientation selection emphasizes buying equity
securities that appear to be under valued.
-14.80
1- Year
-4.29
Composition (% of Assets) as of 08/31/2011
Cash
0.16
Non-U.S. Stocks
0.79
U.S. Stocks
3- Year
5- Year
2.34
-0.07
10-Year
6.47
Fees & Expenses:
99.04
Redemption fee:
Since
Incept
Incept
Date
5.45
7/1999
Total Inv
Exp Gross
1.38
# of Transfers Allowed/Time Period
1/30 day period
12b-1fee: Total Inv Exp Net: 1.36
Contractual Cap Expiration Date: 02/29/2012
Waiver Expiration Date: 02/29/2012
403442
Investment Option Summary - Page 10 of 15
10.31.2011 131126
Investment Option
Summary
Contract/Plan ID Number 8-07309
Investment Advisor
Investment Option Name
and Description
Average Annualized Return as of 09/30/2011
Small/Mid U.S. Equity
This asset class is generally comprised of investment options that invest in stocks, or shares of ownership in small to medium-sized U.S. companies. These investment
options typically carry more risk than larger U.S. equity investment options but have the potential for higher returns. They may be an appropriate choice for long-term
investors who are seeking the potential for growth. All investment options in this category have the potential to lose value.
Mid Cap Blend
MidCap S&P 400 Index Separate
Account A,1,2,8,F
The investment option normally invests the
majority of assets in common stocks of companies
that compose the S&P MidCap 400 Index.
Management attempts to mirror the investment
performance of the index by allocating assets in
approximately the same weightings as the S&P
MidCap 400 Index. Over the long-term,
management seeks a very close correlation
between the performance of the Separate Account
before expenses and that of the S&P MidCap 400
Index.
YTD Ret
-13.34
1- Year
-1.81
Composition (% of Assets) as of 08/31/2011
Cash
2.32
Other
0.74
U.S. Stocks
3- Year
5- Year
3.41
1.64
10-Year
6.89
Fees & Expenses:
96.93
Since
Incept
Incept
Date
6.45
8/1999
Total Inv
Exp Gross
0.53
# of Transfers Allowed/Time Period
Redemption fee:
1/30 day period
12b-1fee: Total Inv Exp Net: 0.53
Contractual Cap Expiration Date: N/A
Waiver Expiration Date: N/A
Mid Cap Growth
MidCap Growth Separate Account
A,1,F
YTD Ret
The investment option primarily invests in
common stocks of medium capitalization
companies with strong earnings growth potential.
It normally invests the majority of assets in
companies with market capitalizations similar to
those companies in the Russell MidCap Growth
Index. Management uses a bottom-up approach in
selection of individual securities that it believes
have an above average potential for earnings
growth. It may invest up to 25% of assets in
foreign securities.
1- Year
-13.95
1.15
Composition (% of Assets) as of 08/31/2011
Cash
1.41
Non-U.S. Stocks
5.33
U.S. Stocks
3- Year
5- Year
1.28
2.00
10-Year
3.89
Fees & Expenses:
93.25
Since
Incept
Incept
Date
4.10
6/1995
Total Inv
Exp Gross
1.03
# of Transfers Allowed/Time Period
Redemption fee:
1/30 day period
12b-1fee: Total Inv Exp Net: 1.03
Contractual Cap Expiration Date: N/A
Waiver Expiration Date: N/A
Small Value
SmallCap Value Separate Account
A,1,F
YTD Ret
The investment seeks long-term growth of capital
and invests primarily in common stocks of small
capitalization companies. It normally invests the
majority of assets in companies with market
capitalizations similar to those companies in the
Russell 2000 Value Index. Management focuses on
stocks of small-sized companies that are
undervalued at the time of purchase. These
companies are often characterized by
below-average stock price earnings ratios and
above-average dividend yields. The Separate
Account may invest up to 25% of assets in foreign
securities.
-19.78
1- Year
-8.57
Composition (% of Assets) as of 08/31/2011
Cash
1.42
U.S. Stocks
3- Year
5- Year
-5.74
-4.82
Fees & Expenses:
98.58
Redemption fee:
10-Year
6.34
Since
Incept
Incept
Date
7.32
6/1995
Total Inv
Exp Gross
1.13
# of Transfers Allowed/Time Period
1/30 day period
12b-1fee: Total Inv Exp Net: 1.13
Contractual Cap Expiration Date: N/A
Waiver Expiration Date: N/A
Investment Option Summary - Page 11 of 15
10.31.2011 131126
344341
Investment Option
Summary
Investment Advisor
Contract/Plan ID Number 8-07309
Investment Option Name
and Description
Average Annualized Return as of 09/30/2011
Small/Mid U.S. Equity
This asset class is generally comprised of investment options that invest in stocks, or shares of ownership in small to medium-sized U.S. companies. These investment
options typically carry more risk than larger U.S. equity investment options but have the potential for higher returns. They may be an appropriate choice for long-term
investors who are seeking the potential for growth. All investment options in this category have the potential to lose value.
Small Blend
SmallCap S&P 600 Index Separate
Account A,1,2,7,F
The investment seeks long-term growth of capital
and normally invests the majority of assets in
common stocks of companies that compose the
S&P SmallCap 600 Index. Management attempts
to mirror the investment performance of the index
by allocating assets in approximately the same
weightings as the S&P 600 Index. Over the
long-term, management seeks a very close
correlation between the performance of the
Separate Account before expenses and that of the
S&P 600 Index.
YTD Ret
-14.18
1- Year
-0.39
Composition (% of Assets) as of 08/31/2011
Cash
1.53
U.S. Stocks
Non-U.S. Stocks
0.02
Preferred
Other
0.10
3- Year
5- Year
0.27
-0.18
10-Year
6.86
Fees & Expenses:
98.23
0.12
Since
Incept
Incept
Date
6.33
8/1999
Total Inv
Exp Gross
0.53
# of Transfers Allowed/Time Period
Redemption fee:
1/30 day period
12b-1fee: Total Inv Exp Net: 0.53
Contractual Cap Expiration Date: N/A
Waiver Expiration Date: N/A
Small Growth
SmallCap Growth I Separate
Account A,1,3,19,21,27,F
YTD Ret
The investment seeks long-term growth of capital.
The fund invests at least 80% of net assets in
equity securities of companies with small market
capitalizations (those with market capitalizations
similar to companies in the Russell 2000 Growth
Index) at the time of purchase. It invests in growth
equity securities; growth orientation emphasizes
buying equity securities of companies whose
potential for growth of capital and earnings is
expected to be above average.
1- Year
-13.30
Composition (% of Assets) as of 08/31/2011
U.S. Stocks
91.51
Non-U.S. Stocks
3- Year
1.35
5- Year
5.74
2.64
10-Year
4.31
Fees & Expenses:
8.49
Redemption fee:
Since
Incept
Incept
Date
0.28
12/2000
Total Inv
Exp Gross
1.50
# of Transfers Allowed/Time Period
1/30 day period
12b-1fee: Total Inv Exp Net: 1.48
Contractual Cap Expiration Date: 02/29/2012
Waiver Expiration Date: 02/29/2012
423444
Investment Option Summary - Page 12 of 15
10.31.2011 131126
Investment Option
Summary
Contract/Plan ID Number 8-07309
Investment Advisor
Investment Option Name
and Description
Average Annualized Return as of 09/30/2011
International Equity
This asset class is comprised of investment options that invest in stocks, or shares of ownership in companies with their principal place of business or office outside the
United States. These investment options often carry more risk than U.S. equity investment options but may have the potential for higher returns. They may be an
appropriate choice for long-term investors who are seeking the potential for growth. All investment options in this category have the potential to lose value.
Diversified Emerging Markets
International Emerging Markets
Sep Acct A,4,F
The investment option normally invests the
majority of assets in equities of companies in
emerging market countries. It invests in securities
of companies with their principal place of business
or principal office in emerging market countries;
companies for which the principal securities trade
in an emerging market; or companies, regardless
of where their securities are traded, that derive
50% of their total revenue from either goods or
services produced in emerging market countries.
The fund may invest in securities of companies
with small to medium market capitalizations.
YTD Ret
1- Year
-21.51
-15.00
Composition (% of Assets) as of 08/31/2011
Cash
1.73
Non-U.S. Stocks
97.69
3- Year
5- Year
4.04
3.21
10-Year
15.61
Fees & Expenses:
U.S. Stocks
0.44
Redemption fee:
Other
0.14
12b-1fee: -
Since
Incept
Incept
Date
9.29
1/1995
Total Inv
Exp Gross
1.73
# of Transfers Allowed/Time Period
1/30 day period
Total Inv Exp Net: 1.73
Contractual Cap Expiration Date: N/A
Waiver Expiration Date: N/A
Foreign Large Blend
International I Separate Account
A,4,10,15,21,24,F
The investment seeks long-term growth of capital.
The fund invests primarily in equity securities of
foreign companies. The fund’s investments will
normally be diversified across many different
countries and regions, including countries with
emerging markets. The fund invests in equity
securities of small, medium, and large
capitalization companies. It invests in value equity
securities; the value orientation selection
emphasizes buying equity securities that appear to
be undervalued.
YTD Ret
1- Year
-18.77
-12.69
Composition (% of Assets) as of 08/31/2011
Cash
0.27
Non-U.S. Stocks
98.13
3- Year
5- Year
-4.34
-4.47
10-Year
4.30
Fees & Expenses:
U.S. Stocks
0.80
Redemption fee:
Other
0.80
12b-1fee: -
Since
Incept
Incept
Date
1.39
7/1999
Total Inv
Exp Gross
1.51
# of Transfers Allowed/Time Period
1/30 day period
Total Inv Exp Net: 1.48
Contractual Cap Expiration Date: 02/29/2012
Waiver Expiration Date: 02/29/2012
Foreign Small/Mid Growth
International SmallCap Separate
Account A,1,4,11,F
The investment seeks long-term growth of capital
by investing primarily in stocks of non-US
companies with relatively small capitalizations. It
invests in securities of companies with their
principal place of business or principal office
outside the US; companies for which the principal
securities market is outside the US; or companies,
regardless of where their securities are traded, that
derive 50% of their total revenue outside of the US.
Under normal market conditions, it invests at least
80% in companies similar in size to companies
included in the Citigroup Extended Market Index
(EMI) World ex US.
YTD Ret
-14.92
1- Year
-3.23
Composition (% of Assets) as of 08/31/2011
Cash
Non-U.S. Stocks
Other
1.45
98.32
0.16
3- Year
5- Year
3.54
-1.53
Fees & Expenses:
U.S. Stocks
0.05
Redemption fee:
Convertibles
0.01
12b-1fee: -
10-Year
10.28
Since
Incept
Incept
Date
10.87
1/1995
Total Inv
Exp Gross
1.68
# of Transfers Allowed/Time Period
1/30 day period
Total Inv Exp Net: 1.68
Contractual Cap Expiration Date: N/A
Waiver Expiration Date: N/A
Investment Option Summary - Page 13 of 15
10.31.2011 131126
344543
Investment Option
Summary
A
§
1
2
3
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
Contract/Plan ID Number 8-07309
Returns shown for periods of less than one year are not annualized. All returns displayed here are after net Total Investment Expense of the investment
option.
Insurance products and plan administrative services are provided by Principal Life Insurance Company, a member of the Principal Financial Group® (The
Principal®), Des Moines, IA 50392.
For a Separate Account investment option, Total Investment Expense net equals the sum of these expenses: (a) the amount of money, expressed as a
percentage, deducted for the costs of managing a separate account where applicable, fees for plan administrative services and agent compensation,
plus (b) if the separate account invests in an underlying mutual fund, the total fund operating expenses of the underlying mutual fund, plus (c) if an
underlying mutual fund invests in other mutual funds, the weighted-average management fee of those other mutual funds, as listed in the most recent
prospectus. The actual gross Total Investment Expense may change if an underlying mutual fund’s allocation of assets to other mutual funds changes.
Separate Accounts available through a group annuity contract with the Principal Life Insurance Company. For more information about this investment
option, including its full name, please visit The Principal Web site at www.principal.com or call 1-800-547-7754 for assistance from a retirement
specialist. Certain investment options may not be available in all states or U.S. commonwealths.
Several investment companies have decided to impose redemption fees and/or transfer restrictions on certain plan and/or participant transactions. One
or more of the investment options in your employer’s retirement plan may be impacted. For more information, visit The Principal Web site at
www.principal.com.
These results are for the investment options available through your employer’s retirement plan, and may be different from the results for other
retirement plans. Past performance is not a guarantee of future results. Principal values and investment returns will fluctuate so that values upon
redemption may be worth more or less than original costs. Total returns illustrated are net of investment expenses and management fees.
This composite represents past performance of the firm hired to provide day to day investment decisions for the portfolio and is not indicative of future
performance. This is not the performance of the Separate Account nor of the Separate Account’s underlying mutual fund holding, if applicable, and
should not be considered as a substitute for the Separate Account’s performance. The composite return data represented includes the impact of the
deduction of all fees from the sub-advisor’s accounts, but should not be construed as representative of the expenses incurred by the portfolio available
through The Principal. Some differences between the management of the Separate Account and the composite portfolios may occur due to the steady
inflow of cash and the tax deferral nature of a retirement plan Separate Account.
Small-cap and mid-cap investment options are subject to more fluctuation in value and may have additional risks than other investment options with
stocks of larger, more stable companies.
Each index based investment option is invested in the stocks or bonds of the index it tracks. Performance of indexes reflects the unmanaged results for
the market segment the selected stocks or bonds represent. There is no assurance an index based investment option will match the performance of the
index tracked.
This Separate Account invests solely in the Institutional class shares of the Principal Funds. All voting rights associated with ownership of shares in the
mutual fund are the rights of the Separate Account, not of contract holders investing in the Separate Account. For further information on the
underlying mutual fund, see the prospectus of the fund.
International and global investment options are subject to additional risk due to fluctuating exchange rates, foreign accounting and financial policies,
and other economic and political environments.
High yield investment options are subject to greater credit risk associated with high yield bonds.
S&P 500 is a trademark of The McGraw-Hill Companies, Inc., and has been licensed for use by Principal Life Insurance Company and Principal
Management Corporation. The product is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no
representation regarding the advisability of investing in the product.
S&P SmallCap 600 is a trademark of The McGraw-Hill Companies, Inc. and has been licensed for use by Principal Life Insurance Company and Principal
Management Corporation. The product is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no
representation regarding the advisability of investing in the product.
S&P MidCap 400 is a trademark of The McGraw-Hill Companies, Inc. and has been licensed for use by Principal Life Insurance Company and Principal
Management Corporation. The product is not sponsored, endorsed, sold or promoted by Standard & Poor’s and Standard & Poor’s makes no
representation regarding the advisability of investing in the Product.
These calculated returns reflect the historical performance of the oldest share class of the fund, adjusted to reflect a portion of the fees and expenses of
this share class. For time periods prior to inception date of the fund, predecessor performance is reflected. Please see the fund’s prospectus for more
information on specific expenses, and the fund’s most recent shareholder report for actual date of first sale. Expenses are deducted from income earned
by the fund. As a result, dividends and investment results will differ for each share class.
This Separate Account invests solely in the Institutional class shares of the Principal Funds. All voting rights associated with ownership of shares in the
mutual fund are the rights of the Separate Account, not of contract holders investing in the Separate Account. For further information on the
underlying mutual fund, see the prospectus of the fund.
Effective November 13, 2006, Dimensional Fund Advisors (DFA) was added as an additional sub-advisor. Performance results displayed reflect all
sub-advisors managing this portfolio during the time periods displayed.
Equity investment options involve greater risk, including heightened volatility, than fixed-income investment options. Fixed-income investment options
are subject to interest rate risk, and their value will decline as interest rates rise.
Small-cap and mid-cap stocks may have additional risks, including greater price volatility.
Fixed-income investment options are subject to interest rate risk, and their value will decline as interest rates rise. Neither the principal of bond
investment options nor their yields are guaranteed by the U.S. government.
Effective March 31, 2007, references to Fidelity Management & Research as investment advisor were replaced with Fidelity (Pyramis Global Adv). This is
a name change only and does not affect the management, objective, or strategy of this investment option.
Effective January 2, 2008, this portfolio is co-sub-advised by JP Morgan and Neuberger Berman Fixed Income LLC (formerly named Lehman Brothers
Asset Management). Prior to January 2, 2008 Post Advisory Group was a third sub-advisor for this portfolio. Performance results displayed reflect all
sub-advisors managing this portfolio during the time periods displayed.
Fixed-income and asset allocation investment options that invest in mortgage securities are subject to increased risk due to real estate exposure.
Effective December 31, 2008, this portfolio is sub-advised by BlackRock Financial Management, Inc. Prior to December 31, 2008, the portfolio was
sub-advised by Principal Global Investors.
443446
Investment Option Summary - Page 14 of 15
10.31.2011 131126
Investment Option
Summary
Contract/Plan ID Number 8-07309
19
20
21
22
23
24
25
26
27
28
29
F
--
This investment option maintains a voluntary waiver which is reflected in the value displayed for Total Investment Expense - Net. This waiver may be
discontinued at any time.
Effective April 9, 2009, this portfolio is sub-advised by Edge Asset Management. Prior to April 9, 2009, the portfolio was sub-advised by Principal Global
Investors.
This Separate Account invests solely in the Institutional class share of a mutual fund (Fund) from Principal Funds, Inc. The manager of the Fund,
Principal Management Corporation, invests between 10% and 40% of the Fund’s assets in common stocks in an attempt to match or exceed the
performance of the Fund’s benchmark index for performance.
Effective July 14, 2009, Brown Advisory was added as an additional sub-advisor. Performance results displayed reflect all sub-advisors managing this
portfolio during the time periods displayed.
Asset allocation does not guarantee a profit or protect against a loss. Investing in real estate, small-cap, international, and high-yield investment options
involves additional risks. Additionally there is no guarantee this investment option will provide adequate income at or through retirement.
Effective January 11, 2010, Schroders was added as an additional sub-advisor. Performance results displayed reflect all sub-advisors managing this
portfolio during the time periods displayed.
Fixed-income investment options are subject to interest rate risk, and their value will decline as interest rates rise. Neither the principal of bond
investment options nor their yields are guaranteed by the U.S. or any other government entity. Concentrating investments in natural resources
industries can be affected significantly by events relating to those industries, such as variations in the commodities markets, weather, disease,
embargoes, international, political and economic developments, the success of exploration projects, tax and other government regulations and other
factors. Investment in derivatives entails specific risks relating to liquidity, leverage and credit that may reduce returns and/or increase volatility. REIT
securities are subject to risk factors associated with the real estate industry and tax factors of REIT registration. An MLP that invests in a particular
industry (e.g., oil and gas) may be harmed by detrimental economic events within that industry. As partnerships, MLPs may be subject to less
regulation (and less protection for investors) under state laws than corporations. In addition, MLPs may be subject to state taxation in certain
jurisdictions, which may reduce the amount of income paid by an MLP to its investors.
The Investment Advisor will display "Multiple Sub-Advisors" for certain target-date, target-risk and specialty investment options where the assets are
directed by the Investment Manager to multiple underlying investment options. These underlying investment options may use multiple sub-advisors
who are responsible for the day-to-day management responsibilities.
Effective September 20, 2010, Brown Advisory was added as an additional sub-advisor. Effective May 1, 2009, Columbus Circle Investors was added as
an additional sub-advisor. Performance results displayed reflect all sub-advisors managing this portfolio during the time periods displayed.
This Separate Account invests directly in the Institutional class shares of a Principal LifeTime Fund. The mutual fund operating expenses for each
Principal LifeTime Fund are reflected in the Total Investment Expense of the Separate Accounts well as the operating expenses of the underlying funds
in which the Principal LifeTime Fund invests. Based on the asset allocation of the Principal LifeTime Funds as in the prospectus dated March 1, 2011, the
weighted average operating expenses of the underlying funds are: Principal LifeTime Strategic Income, 0.59%; Principal LifeTime 2010, 0.67%; Principal
LifeTime 2015, 0.69%; Principal LifeTime 2020, 0.71%; Principal LifeTime 2025, 0.72%; Principal LifeTime 2030, 0.73%; Principal LifeTime 2035, 0.74%;
Principal LifeTime 2040, 0.74%; Principal LifeTime 2045, 0.75%; Principal LifeTime 2050, 0.76%; Principal LifeTime 2055, 0.75%. For further information
on all mutual fund expenses, see the prospectus of the underlying Principal LifeTime Fund. All voting rights associated with ownership of shares in the
mutual fund are the rights of the Separate Account, not of contract holders investing in the Separate Account.
This Separate Account invests directly in the Institutional class shares of a Principal Strategic Asset Management Portfolio (SAM). Performance results
shown prior to January 16, 2007, are of the mutual fund (Institutional class performance adjusted based on the historical performance of the A class
shares of the Fund where Institutional class shares is not available) only adjusted for the fees of the Separate Accounts since the Separate Account was
not available. The underlying SAM Portfolio indirectly bears its pro rata share of the management fees incurred by the underlying Principal Fund in
which this portfolio invests. Based on the asset allocation of the Principal Strategic Asset Management Portfolio outlined in the prospectus dated March
1, 2011, the weighted average operating expenses of the underlying funds are: Flexible Income, 0.59%; Conservative Balanced, 0.62%; Balanced,
0.66%; Conservative Growth, 0.69%; Strategic Growth, 0.71%. While the operating expenses of the underlying mutual funds are not part of the SAM
Portfolio operating expenses they are included in the Total Investment Expense. Performance results shown for the SAM Portfolio reflect the application
of these expenses. For further information on all mutual fund expenses, see the prospectus of the underlying SAM Portfolio. All voting rights associated
with ownership of shares in the mutual fund are the rights of the Separate Account, not of contract holders investing in the Separate Account.
Investment option limits transfer activity. Once the number of allowed transfers is met, participants are not allowed to transfer back into an investment
option which they have transferred out of until the holding period elapses. All participant investment transfers and non-scheduled rebalancing activity
are counted toward the number of transfers allowed. Contributions into the investment option are not impacted. Participants may still transfer out to
different investment options or to money market or Guaranteed options.
Frequent trading policies applied to Mutual Fund Network investment options may not exactly match the mutual fund’s Prospectus. Principal Life
works with each fund family to implement appropriate policies and guidelines. Mutual Fund Network fund families may also monitor for excessive
trading and enforce limitations in addition to or in lieu of policy implemented by Principal Life Insurance Company. Please refer to the prospectus for
details. See the offering documents for details on transfer limitations for investment options that are not classified as mutual funds.
Before investing in mutual funds, investors should carefully consider the investment objectives, risks, charges
and expenses of the funds. This and other information is contained in the free prospectus, which can be
obtained from your local representative, by visiting principal.com, or by contacting us at 800-547-7754.
Please read the prospectus carefully before investing.
The value of the investment options will fluctuate so that when redeemed, shares or units may be
worth more or less than the original cost.
Investment Option Summary - Page 15 of 15
10.31.2011 131126
344745
Integrated Statistics Incorporated
401(k) Plan
Principal Life Insurance Company
Des Moines, IA 50306-9394
Plan Summary
Contract/Plan ID Number 8-07309
Am I eligible for Integrated Statistics Incorporated 401(k) Plan?
You are eligible to join the plan if you:
•
are at least age 21
•
have completed 3 month(s) of service with the company
You enter the plan on any date on or after you meet the eligibility requirements.
If employed on 01/01/2012, the service requirement does not apply.
Where do my contributions come from?
Contributions in general are from total pay from Integrated Statistics Incorporated including
salary deferral contributions.
Your benefits representative can provide more detailed information.
Are there limits to my contributions?
You may choose to contribute up to 100% of your total pay.
Your taxable income is reduced by the amount you contribute through salary deferral. This lets
you reduce your taxable income. Your total salary deferral in 2011 may not be more than
$16,500.00.
Your maximum contribution percentage and/or dollar amount may also be limited by Internal
Revenue Service regulations.
If you are 50 years old or older during the plan year and you have met the annual IRS Deferral
limit (or the specified plan limit for deferrals), you may contribute a catch-up deferral of up to
$5,500 in 2011. If you qualify and are interested in making Catch-up contributions, please
contact your Plan Administrator for details.
Can I make Roth salary deferral after-tax contributions?
Roth salary deferral contributions are another option to designate your salary deferral
contributions.
Roth salary deferral contributions are made on an after-tax basis. You may designate any amount
of the available salary deferral limit for a plan calendar year as Roth salary deferral contributions.
Roth salary deferral contributions plus your pre-tax salary deferral contributions are counted
toward the annual salary deferral contribution amount and salary deferral contribution
percentage mentioned above.
Distributions from your Roth salary deferral contribution account will generally be tax-free if the
distribution meets the qualified distribution requirements, death or disability and you have
maintained the Roth salary deferral account for at least 5 taxable years.
10.31.2011 131126
Plan Summary - Page 1 of 5
344947
Plan Summary
Contract/Plan ID Number 8-07309
.
Can I change my contributions to the retirement plan?
You may stop making salary deferral contributions at any time. You may change your salary
deferral amount daily. Changes will be implemented as soon as administratively feasible.
Employer Contributions
Your employer will match 100% of the first 4% of the pay you contribute to the plan through
salary deferral.
When a matching contribution is made to the plan, it will be calculated based on salary deferrals
and pay as of the end of the pay period.
Your employer may make a discretionary contribution at the end of the plan year if you meet the
requirements below.
You will receive contributions if you are an active participant on the last day of the plan year
during the latest accrual service.
Employer contributions may change in the future.
I have a retirement account with a previous employer, can I combine the two?
You may be allowed to rollover into this plan all or a portion of the retirement funds you have
outside this plan. You may then withdraw all or a portion of your rollover contributions. The
number of withdrawals may be limited. Refer to your Summary Plan Description for more details.
To receive additional information, contact your Plan Administrator, visit us at principal.com or call
1-800-547-7754.
When am I vested in the retirement plan funds?
You are always 100% vested in the contributions YOU choose to defer and in the employer
matching contributions.
You are vested in employer contributions based on years of vesting service with your employer as
shown below
The vesting schedule is
5.0 Years Graded Custom
1.0 Years
20.00%
2.0 Years
40.00%
3.0 Years
60.00%
4.0 Years
80.00%
5.0 Years
100.00%
The vesting schedule applies to the following contribution(s):
Employer Discretionary
10.31.2011 131126
483450
Plan Summary - Page 2 of 5
Plan Summary
Contract/Plan ID Number 8-07309
.
Investment Options
This retirement benefit plan intends to qualify as an ERISA §404(c) plan. This means that the Plan
Fiduciary has transferred some responsibility for investing the retirement account to you.
You are able to direct the investment of the retirement account balance by choosing among
several investment options.
For the plan to qualify under ERISA §404(c), you must be given:
•
the opportunity to diversify the investment, and
•
the ability to make an informed decision
In order for you to make informed investment decisions, it is important that you read the
investment material (including prospectuses if applicable) available from your plan sponsor.
You may also obtain this information by calling our Client Contact Center at 1-800-547-7754.
You may elect the investment direction of all contributions to the retirement plan. Please see the
Summary Plan Description for details.
Please review the §404(c) information included in your enrollment kit. If you have questions
about investment options under the Plan your 404(c) contact can assist you. The contact is:
LAURA SHULMAN
16 SUMNER ST
WOODS HOLE MA 02543-1439
----
For detailed information about your investment options, please visit us at principal.com or
contact us at 1-800-547-7754.
How often can I make changes to the investment options in the retirement plan?
•
anytime
Note that when transferring existing balances from one investment option to another,
redemption fees or restrictions on transfer frequency may apply. Refer to the redemption fee and
transfer restriction policy on The Principal Website or contact your Plan Administrator.
Changes can be made through Teletouch® (a toll-free number) and the Web site.
A charge will apply to all paper requests.
How can I access my account information?
You may obtain account information through:
•
Participant Statement (quarterly)
•
Call your interactive voice response system, Teletouch®.
•
Visit our Website at principal.com to access the account.
10.31.2011 131126
Plan Summary - Page 3 of 5
345149
Plan Summary
Contract/Plan ID Number 8-07309
.
How are the fees for the retirement plan paid?
Your plan sponsor is paying a portion of the plan administrative expenses. The remaining plan
administrative expenses reduce the credited investment return.
When can I begin receiving benefits from the retirement plan?
Benefits are payable at:
•
Retirement (age 65)
•
Age 59 1/2 and still working
•
Qualified Reservist
•
Death
•
Disability*
•
Termination of employment
Please refer to the participant notice or Summary Plan Description provided to you by your plan
sponsor about withdrawal benefits
*You may need to cease employment to receive this benefit.
Financial Hardship
You may withdraw all or part of the vested account if you can prove financial hardship and are
unable to meet your financial needs another way. If allowed to withdraw salary deferral
contributions, withdrawal will not include earnings.
The plan defines hardship as an "immediate and severe financial need" along with establishing
the allowable reasons to receive such a withdrawal. Please see your Summary Plan Description
for more details regarding hardship withdrawals.
Salary deferral contributions will generally be suspended for six months after your withdrawal.
If I need to take a loan from the plan, what are the guidelines?
You may borrow up to 50% of the vested account balance or $50,000.00 (whichever is less).
The minimum loan amount is $1,000.00.
1 loan(s) can be approved in a 12-month period. You may have 1 loan(s) outstanding at any
time.
The interest rate will be determined when you apply for your loan. You pay back both the
principal and interest directly to the account held for you in the plan through payroll deduction.
10.31.2011 131126
503452
Plan Summary - Page 4 of 5
Plan Summary
Contract/Plan ID Number 8-07309
.
Loans must be repaid within a 5-year period. See your loan administrator for additional details.
Refer to the Summary Plan Description for more details on contributions available for a plan loan.
Other Information
Your salary deferral contributions are included in the wages used to determine your social
security tax.
This plan summary includes a brief description of your plan sponsor’s retirement plan features.
While this plan summary outlines many of the major provisions of your participating plan
sponsor’s retirement plan, this summary does not provide you with every plan detail. The legal
plan document, which governs this plan, provides full details. If there are any discrepancies
between this plan summary and the legal plan document, the legal plan document will govern.
From time to time, your plan sponsor may elect to amend the retirement plan provisions. This
plan summary may be updated to reflect proposed amendments to the plan document
provisions. Until a plan amendment is adopted, however, the legal plan document will govern.
Contact your plan sponsor if you would like more details regarding applicable retirement plan
provisions. This document is not a Summary Plan Description.
Most withdrawals/distributions are subject to taxation and required withholding. Check with
your financial/tax advisor on how this may affect you.
The Principal® is required by the IRS to withhold 20% of the portion of a distribution that is
eligible for rollover if it is not directly rolled over to another eligible retirement plan, including an
IRA, or used to purchase an annuity to be paid over a minimum period of the lesser of 10 years or
the participant’s life expectancy. This withholding will offset a portion of federal income taxes
you owe on the distribution.
The retirement account may be affected differently by individual state taxation rules. Contact
your tax advisor with questions.
Client Contact Center retirement specialists at The Principal® are available to answer questions
about the retirement plan. Please call 1-800-547-7754 Monday through Friday, 7 am - 9 pm
(Central Time), to speak to a retirement specialist.
To find out more information about The Principal®, visit our website at principal.com
Insurance products and plan administrative services are provided by Principal Life Insurance
Company, a member of the Principal Financial Group® (The Principal®), Des Moines, IA 50392
10.31.2011 131126
Plan Summary - Page 5 of 5
345351
Important Notice regarding ERISA 404(c) from
Integrated Statistics Incorporated 401(k) Plan
Contract/Plan ID Number 8-07309
Important
The plan sponsor chose to qualify the Plan as an ERISA 404(c) plan. This means the plan fiduciary
should not be liable for any investment losses that result from a participant’s investment control.
Please read on for more information.
The enclosed materials use these defined words and phrases:
Plan means Integrated Statistics Incorporated 401(k) Plan.
Plan Fiduciary means the individual(s) holding authority over the operation and administration
of the Plan and its retirement funds. The Plan Sponsor is the Plan Fiduciary.
Plan Sponsor means Integrated Statistics Incorporated.
You means the plan participant or beneficiary.
Plan’s 404(c) Contact means the individual(s) you should contact if you have any questions
about the investment options under the Plan. The Plan’s 404(c) Contact is:
LAURA SHULMAN
16 SUMNER ST
WOODS HOLE, MA 02543-1439
d
D
The Plan’s 404(c) Contact can provide the following additional
information, if asked.
General Fund Expenses
• Annual Investment management fees for each investment option under the retirement plan
and plan administrative expenses, if any may be deducted from each investment.
Financial Statements provided to the Plan Sponsor by the investment manager(s)
• Annual reports of the investment manager
• Plan investment option performance
• Prospectus made available by the Plan Sponsor
Portfolio Assets
• List of the assets and their values in the portfolio
Stable Value Fund
• Annual report identifying the issuers
• Rate of return
• Maturity dates
Investment Performance
• Past, current, and specific investment performance of each investment option. (Note: This is
already provided in the Investment Option Summary.)
Values of Shares
• Values of shares in the account. (Note: You can find the values of the various investment options
in your retirement plan statement)
10.31.2011 131126
404(c) - Page 1 of 2
345553
Contract/Plan ID Number 8-07309
Information about ERISA Section 404(c)
General Information
Investment Responsibility
The Employee Retirement Income Security Act (ERISA) provides rules about the investment of retirement
funds. ERISA Section 404(c) lets a Plan Fiduciary transfer some responsibility for the investment of
retirement funds to plan participants. The Plan Sponsor intends to comply with ERISA Section 404(c)
requirements by providing information for you to make informed investment decisions and by letting
you:
• Direct the investment of individual retirement accounts
• Choose from at least three diverse investment options, and
• Change investment choices at least quarterly.
How Does This Affect You?
To help you make informed investment choices and for more information about the investment options
available to you, including investment objectives, performance, and fees, please review the enclosed
materials or visit us at www.principal.com . (Note: The 404(c) Contact will provide information about
any other investment choices available under the Plan and not previously mentioned in these materials.)
The Plan Fiduciary makes certain investment options are available under the Plan. You decide which of
those options works best for you according to your age and circumstances. This means that you are
responsible for directing the investment in the account. It also may relieve the Plan Fiduciary of liability
for any losses that result from your investment choices.
Transferring Investment Options
You can transfer funds between the different investment options at least quarterly. The Plan may allow
for more frequent transfers. To transfer retirement funds, you need to use TeleTouch® or the Internet.
You choose from a variety of investment options. For detailed information about the investment options,
see the enclosed descriptions or visit us at www.principal.com.
Stable Value
You can transfer retirement funds from the stable value fund on any business day without any surrender
charges or penalties. Withdrawals and transfers directed by your plan sponsor may, however, be delayed
up to 12 months according to provisions in the participation agreement.
Please see the enclosed Investment Option Summary for descriptions.
Insurance products and plan administrative services are provided by Principal Life Insurance Company, a member of
the Principal Financial Group® (The Principal®), Des Moines, IA 50392.
543456
404(c) - Page 2 of 2
10.31.2011 131126
RETIREMENT SAVINGS WORKSHEET
Here’s a quick and easy way to figure out the percentage of your pay you may need to save in order to generate 85 percent
of your pre-retirement income at retirement. Grab a calculator to help with the math.
STEPS
1. Current income:
Enter your current annual gross income.
2. Retirement income goal:
Multiply STEP 1 by 85% and enter this amount.
3. Social Security income:
Enter the value from TABLE A that most closely
corresponds to your income.
4. Annual retirement income:
Subtract STEP 3 from STEP 2 and enter the remainder.
5. Future retirement income:
Multiply STEP 4 by the inflation factor from
TABLE B that most closely matches the number
of years until you retire and enter the result.
5.5 Defined Benefit Estimate:
If you have a Defined Benefit (DB) plan, subtract your
estimated future annual DB plan benefit from STEP 5.
6. Retirement goal*:
Multiply STEP 5 (or STEP 5.5 if you have a DB benefit)
by 22.50 and enter the result.
TABLE A
$
SOCIAL SECURITY BENEFITS
Annual Gross
Income
Estimated
Annual Benefit
$25,000
$11,520
$30,000
$12,900
$
$40,000
$15,672
$50,000
$18,444
$
$60,000
$20,496
$80,000
$23,088
$100,000
$25,692
$
Figures show the approximate maximum benefit for a
30-year-old who will retire at age 65 in 2045 in today’s dollars.
For a more accurate estimate of your Social Security benefits,
call 1-800-772-1213 to obtain SSA Form 7004. Source: Social
Security Administration’s website benefit calculator.
$
$
TABLE B**
INFLATION FACTOR
$
*Assumes a 4.5% withdrawal rate adjusted annually for inflation in retirement.
7. Current portfolio:
Enter the total amount of current retirement
investments, including savings in the retirement plan.
8. Value of current investments at retirement:
Multiply STEP 7 by the growth factor from
TABLE C that corresponds most closely to the number
of years until you retire and enter the result.
9. Retirement savings shortfall:
Subtract STEP 8 from STEP 6 to get how much
you still need to accumulate before you retire and
enter the result.
10. Annual savings goal:
Multiply STEP 9 by the accumulation factor
from TABLE C that most closely matches the number
of years until you retire and enter the result.
11. Percentage of your pay you need to save:
Divide STEP 10 by STEP 1 and multiply by 100
(e.g. 0.119 x 100 = 12%) to get the total percentage
(including employer match, if applicable) to help reach a
retirement savings goal of 85 percent of your pre-retirement
income at retirement.
$
$
Years to
Retirement
Inflation
Factor
5
1.16
10
1.34
15
1.56
20
1.81
25
2.09
30
2.43
35
2.81
40
3.26
TABLE C**
$
ACCUMULATION FACTOR
$
%
**Table B: Assumes annual inflation of 3%; Table C: Growth factor - assumes an 8% annual rate of return
on current investments before retirement; Accum. Factor - assumes the amount you invest each year before
retirement occurs mid-year at an 8% annual rate of return. Assumes annual inflation of 3% before retirement.
Years to
Retirement
Growth
Factor
Accumulation
Factor
5
1.469
.155
10
2.159
.059
15
3.172
.030
20
4.661
.017
25
6.848
.010
30
10.063
.006
35
14.785
.004
40
21.725
.003
This worksheet is for illustrative purposes only. It is hypothetical and does not guarantee any specific returns on any
investment options.
principal.com
345755
NOTES
563458
Integrated Statistics Incorporated 401(k) Plan
Benefit from ongoing support from The Principal®
Once you’ve enrolled in your employer’s retirement savings plan, see how you can
benefit from all The Principal retirement tools and services.
Simplify your life
Do you have more than one retirement savings plan?
Or have you recently changed jobs and aren’t sure of
statements are available online at principal.com for
13 months.
your options? Cut through the confusion of multiple
Plan Ahead. Get Ahead.®
accounts and piles of paperwork. Ask our retirement
At The Principal, we’re dedicated to
specialists at 1-800-547-7754 how you can save time
keeping you up-to-date on the
and money by consolidating qualified retirement
information you need to help plan
funds into one account.
a more secure financial future. As a
retirement savings plan participant,
Comprehensive account statements
you will receive
You’ll receive periodic statements of the retirement
It will help you stay on top of the latest
account, providing you with a clear snapshot of the
retirement planning news and keep you up-to-date
savings balance, account activity and investment
on a broad range of personal financial topics.
.
option performance. They make it easy for you to
monitor the account contributions and help you
make sure you are on track to meet your future
retirement savings goals. Past retirement plan
principal.com
CONNECT WITH US:
youtube.com/principal
twitter.com/ThePrincipal
Principal Financial
345957
MY PRINCIPAL ® EDGE MILESTONES
Whether you’re a financial rookie, old pro or somewhere in between, Milestones
online is available to help you plan for retirement. Once you’ve enrolled in the retirement
plan, visit www.principal.com/milestones and answer a few simple questions.
In minutes, you can calculate the estimated income you’ll need in retirement, learn
about different investing strategies and get information on picking a retirement plan
contribution rate. You can also get answers to such questions as:
• Will retiring at age 67 instead of age 65 make a big difference?
• How much of an impact will it make if you increase your contribution?
• What’s the effect of bumping up your contribution by $100 a month?
This unique retirement planning tool is being offered to you at no additional fee, with
regular follow-up and ongoing assistance from The Principal ®.
My Principal® Edge Milestones makes
it quick and easy to draft your own
Personalized Retirement Guide.
Plus, you can come back at any time
to make sure you’re still on course.
WWW.PRINCIPAL.COM/MILESTONES
/
S O
S
583460
Integrated Statistics Incorporated 401(k) Plan
24-HOUR ACCOUNT ACCESS
Get instant access to retirement savings account information 24 hours a day by setting up a secure password
or personal identification number online, or via our automated phone system.
ONLINE
• Visit principal.com.
• Under Account Login, select PERSONAL as the
login type, and click GO.
• Click the ESTABLISH YOUR NEW USERNAME
AND PASSWORD link.
• Enter your SOCIAL SECURITY NUMBER and
the ACCOUNT/CONTRACT NUMBER: 807309.
• Verify your identity, create your username
and password, enter your e-mail address,
and select and answer your online security
questions.
BY PHONE
• Call our automated phone system at
1-800-547-7754.
• Enter your SOCIAL SECURITY NUMBER.
• Listen to the menu, and select an option.
• If prompted, enter/establish your PIN.
• Follow the prompts to:
Access daily account values
Obtain investment performance
information
• Log back in to principal.com.
Transfer retirement funds between
available investment options
• Follow the prompts to choose a login image
and phrase.
Make changes to investments
or your PIN
• Once logged in, you’ll find all of this and more:
Account Information
Personalized rate of return, balances,
contribution information
Investments
Investment performance, asset mix, investor
profiles, Investor Profile Quiz
Historical Information
Activity summary, transactions, statements,
electronic history
Planning Center
Retirement planning with My Principal® Edge
Milestones, 404(c) notice, investing basics,
saving, budgeting, online seminars
Review the status of a pending or
completed distribution
Access information on changing
jobs or retiring and other retirement
savings options
WE’LL GIVE YOU AN EDGE ®
The Principal Financial Group®, Des Moines, Iowa 50392-0001, principal.com
While this communication may be used to promote or market a transaction or an idea that is discussed in the publication,
it is intended to provide general information about the subject matter covered and is provided with the understanding that the
member companies of the Principal Financial Group® are not rendering legal, accounting, or tax advice. It is not a marketed opinion
and may not be used to avoid penalties under the Internal Revenue Code. You should consult with appropriate counsel or other
advisors on all matters pertaining to legal, tax, or accounting obligations and requirements.
Insurance products and plan administrative services are provided by Principal Life Insurance Company, a member of the
Principal Financial Group® (The Principal®), Des Moines, IA 50392.
Principal Financial Group, Inc. is licensed under the following, and related Ronald A. Katz Technology Licensing, L.P. United States
Patents: 5,128,984; 5,5,561,707; 5,684,863; 5,815,551; 5,828,73 4; 5,917,893; 5,898,762; 5,974,120; and others.
This workbook content is current as of the production date noted below. If there are any discrepancies between this information
and the legal plan document, the legal plan document will govern. If the production date is older than six months, you should contact
your plan sponsor or log in to principal.com for current retirement plan and investment option information. The member companies
of the Principal Financial Group® prohibit the manipulation of this workbook content. If your plan sponsor elects to provide this
workbook electronically, The Principal® is not responsible for any unauthorized changes.
10/31/2011
PQ8304 | 08/2011 | t110420038l
©2011 Principal Financial Services, Inc.