ERISA 408(b)(2) Investment Expense Disclosure

Sign in ERISA 408(b)(2) Investment Expense Disclosure Location: St. Louis, MO Salary: open Posted: September 21, 2026 Contact this candidate Resume: **-****-**-**** *** ACCESS with SPS IM - Tier Zero Page 1 of 5 ADP Investment Fund Expense and Compensation Disclosure SPS 3(38) – Tier 0 As of 8/24/2026 The following information is provided by ADP, Inc. (“ADP”), pursuant to Section 408(b)(2) of the Employee Retirement Income Security Act of 1974, as amended (“ERISA”) and is being provided by ADP solely to satisfy ADP’s disclosure obligations under Section 408(b)(2). In furnishing this information to satisfy ADP’s disclosure obligations under Section 408(b)(2) of ERISA, ADP is not undertaking to provide any investment recommendation or advice. By electing to receive investment management services provided by ADP Strategic Plan Services, LLC (“SPS”), your Plan’s investment funds will be selected by SPS, which will serve as your Plan’s investment manager. SPS will select an investment lineup for your Plan based upon the Tier you select (if more than one investment Tier is made available for selection) and the investment Guideline you determine is suitable for your Plan. The investment funds listed below are included in one or more of the investment lineups SPS currently has selected for the Tier shown at the top of this page. This Disclosure is not intended, and should not be construed as, a recommendation of the investment funds listed. As your Plan’s investment manager, SPS will have complete and ultimate discretion over selection of investment funds for participating plans. INVESTMENT EXPENSES AND ADDITIONAL INFORMATION ADP INVESTMENT COMPENSATION Information about total annual operating expenses for the funds currently selected by SPS for inclusion in one or more of the investment lineups for the investment Tier indicated above. Additional investment related information is contained in the fund’s disclosure materials. Until you have access to the ADP Plan Sponsor Website, access a fund’s disclosure materials (which will also reflect any updates to the expense information provided below), by typing the link provided in Column A below into your internet browser. Once you have access to the ADP Plan Sponsor Website ([контакт скрыт]), investment expense and related information about the funds SPS has designated for your Plan will be provided on that Web site as follows: ADP updates annual operating expense and performance information monthly. Select “Fund Information” from the “Plan” tab, then click on the “Review Funds” link. Additional investment related information is contained in the disclosure and descriptive materials provided for each fund. Select “Fund Information” from the “Plan” tab, then click on the “Review Funds” link. Any updates to these materials are posted at least quarterly. Additional investment-related information for your Plan’s designated investments may also be found in the Participant Fee Disclosure Statement. Select “Plan Information” from the “Resources” tab, click on “Fee Disclosure,” then click on the “Participant Fee Disclosure” link. Any updates to this information are made monthly. If the investment funds SPS selects include one or more collective trusts, please note: If ADP receives a service provider disclosure prepared by a provider of fiduciary services to a collective trust, ADP will post that disclosure with other fund disclosure materials for your Plan; in some cases, this information may be included in other disclosure materials for a fund rather than in a separate document. ADP will post any updates to these disclosures on at least a monthly basis. Access fund disclosure materials as explained above. ADP makes no representation as to the completeness or accuracy of disclosure materials provided by the issuer of an investment fund. This chart explains the indirect compensation ADP expects to receive for services provided by ADP to the investment funds listed. This compensation generally is paid to ADP by the fund (or the fund’s distributor, transfer agent, or another agent). In general, these amounts are paid to ADP Broker-Dealer, Inc., but in some cases, where permitted by law, may be paid to ADP, Inc.. (Whenever this disclosure describes compensation received for services to investment funds, references to “ADP” are intended to refer to ADP, Inc. or ADP Broker-Dealer, Inc., as applicable.) In general these amounts are paid to ADP from amounts that are already reflected in a fund’s annual operating expenses. In some cases, some portion of these amounts may be paid out of a fund affiliate’s own assets. Until you have access to the ADP Plan Sponsor Website, ADP will inform you if any of this information changes. Once you have access to the ADP Plan Sponsor Website, access updates to the compensation information for the funds SPS has designated for your Plan by visiting [контакт скрыт] Select “Fund Information” from the “Plan” tab, then click on the “Review Funds” link. ADP updates this information monthly. INVESTMENT EXPENSES AND ADDITIONAL INFORMATION ADP INVESTMENT COMPENSATION A Fund Name & Prospectus/ Fund Declaration Link B Total Expense Ratio (Net) C Total Expense Ratio (Gross) D 12b-1 Fees E Sub-Transfer Agent/ Shareholder Servicing Fees F Common Collective Trust Service Payments G Total Paid to ADP Invesco Stable Asset Fund - ADPZ Class [контакт скрыт] 0.29% 0.29% 0.00% 0.00% 0.00% 0.00% State Street U.S. Inflation Protected Bond Index Securities Lending Series [контакт скрыт] 0.02% 0.02% 0.00% 0.00% 0.00% 0.00% Vanguard Intermediate Term Bond Index Fund - Admiral Class [контакт скрыт] adpretpre&fundid=921937801 0.06% 0.06% 0.00% 0.00% 0.00% 0.00% BlackRock Total Return Fund - Class K [контакт скрыт] adpretpre&fundid=09252M743 0.37% 0.37% 0.00% 0.00% 0.00% 0.00% 99-4567-T0-0217 ADP ACCESS with SPS IM - Tier Zero Page 2 of 5 ADP Investment Fund Expense and Compensation Disclosure INVESTMENT EXPENSES AND ADDITIONAL INFORMATION ADP INVESTMENT COMPENSATION A Fund Name & Prospectus/ Fund Declaration Link B Total Expense Ratio (Net) C Total Expense Ratio (Gross) D 12b-1 Fees E Sub-Transfer Agent/ Shareholder Servicing Fees F Common Collective Trust Service Payments G Total Paid to ADP BlackRock High Yield Portfolio - Class K [контакт скрыт] adpretpre&fundid=09260B614 0.47% 0.48% 0.00% 0.00% 0.00% 0.00% Fidelity Freedom Index Retirement Fund - Premier II Class [контакт скрыт] id=adpretpre&fundid=31579T102 0.04% 0.04% 0.00% 0.00% 0.00% 0.00% Fidelity Freedom Index 2010 Fund - Premier II Class Shares [контакт скрыт] id=adpretpre&fundid=31579T201 0.04% 0.04% 0.00% 0.00% 0.00% 0.00% Fidelity Freedom Index 2015 Fund - Premier II Class Shares [контакт скрыт] id=adpretpre&fundid=31579T870 0.04% 0.04% 0.00% 0.00% 0.00% 0.00% Fidelity Freedom Index 2020 Fund - Premier II Class Shares [контакт скрыт] id=adpretpre&fundid=31579T300 0.04% 0.04% 0.00% 0.00% 0.00% 0.00% Fidelity Freedom Index 2025 Fund - Premier II Class Shares [контакт скрыт] id=adpretpre&fundid=31579T409 0.04% 0.04% 0.00% 0.00% 0.00% 0.00% Fidelity Freedom Index 2030 Fund - Premier II Class Shares [контакт скрыт] id=adpretpre&fundid=31579T508 0.04% 0.04% 0.00% 0.00% 0.00% 0.00% Fidelity Freedom Index 2035 Fund - Premier II Class Shares [контакт скрыт] id=adpretpre&fundid=31579T607 0.04% 0.04% 0.00% 0.00% 0.00% 0.00% Fidelity Freedom Index 2040 Fund - Premier II Class Shares [контакт скрыт] id=adpretpre&fundid=31579T706 0.04% 0.04% 0.00% 0.00% 0.00% 0.00% Fidelity Freedom Index 2045 Fund - Premier II Class Shares [контакт скрыт] id=adpretpre&fundid=31579T805 0.04% 0.04% 0.00% 0.00% 0.00% 0.00% Fidelity Freedom Index 2050 Fund - Premier II Class Shares [контакт скрыт] id=adpretpre&fundid=31579T888 0.04% 0.04% 0.00% 0.00% 0.00% 0.00% Fidelity Freedom Index 2055 Fund - Premier II Class Shares [контакт скрыт] id=adpretpre&fundid=31579T862 0.04% 0.04% 0.00% 0.00% 0.00% 0.00% Fidelity Freedom Index 2060 Fund - Premier II Class Shares [контакт скрыт] id=adpretpre&fundid=31579T854 0.04% 0.04% 0.00% 0.00% 0.00% 0.00% Fidelity Freedom Index 2065 Fund - Premier II Class Shares [контакт скрыт] id=adpretpre&fundid=31579T847 0.04% 0.04% 0.00% 0.00% 0.00% 0.00% Fidelity Freedom Index 2070 Fund - Premier II Class Shares [контакт скрыт] id=adpretpre&fundid=31579T839 0.04% 0.04% 0.00% 0.00% 0.00% 0.00% MFS Total Return Fund - Class R6 [контакт скрыт] adpretpre&fundid=552981375 0.40% 0.40% 0.00% 0.00% 0.00% 0.00% 99-4567-T0-0217 ADP ACCESS with SPS IM - Tier Zero Page 3 of 5 ADP Investment Fund Expense and Compensation Disclosure INVESTMENT EXPENSES AND ADDITIONAL INFORMATION ADP INVESTMENT COMPENSATION A Fund Name & Prospectus/ Fund Declaration Link B Total Expense Ratio (Net) C Total Expense Ratio (Gross) D 12b-1 Fees E Sub-Transfer Agent/ Shareholder Servicing Fees F Common Collective Trust Service Payments G Total Paid to ADP Vanguard Balanced Index Fund - Admiral Class [контакт скрыт] adpretpre&fundid=921931200 0.07% 0.07% 0.00% 0.00% 0.00% 0.00% JPMorgan Equity Income Fund - Class R6 [контакт скрыт] adpretpre&fundid=46636U876 0.45% 0.45% 0.00% 0.00% 0.00% 0.00% State Street Russell Large Cap Val Index Securities Lending Series Fund - X [контакт скрыт] 0.01% 0.01% 0.00% 0.00% 0.00% 0.00% BlackRock Advantage Large Cap Core Fund - Class K [контакт скрыт] adpretpre&fundid=09250J718 0.43% 0.51% 0.00% 0.00% 0.00% 0.00% State Street Russell Large Cap Index Sec Lending Series Fund - Class II [контакт скрыт] 778 0.06% 0.06% 0.00% 0.00% 0.00% 0.00% State Street S&P 500® Index Securities Lending - Class X [контакт скрыт] 737 0.01% 0.01% 0.00% 0.00% 0.00% 0.00% American Funds The Growth Fund of America - Class R6 [контакт скрыт] adpretpre&fundid=399874817 0.29% 0.29% 0.00% 0.00% 0.00% 0.00% State Street Russell Large Cap Growth Index Securities Lending Series - X [контакт скрыт] 0.01% 0.01% 0.00% 0.00% 0.00% 0.00% Fidelity Mid Cap Index Fund [контакт скрыт] adpretpre&fundid=316146265 0.03% 0.03% 0.00% 0.00% 0.00% 0.00% State Street Russell Small Cap Value Index Securities Lending Series - II [контакт скрыт] 0.01% 0.01% 0.00% 0.00% 0.00% 0.00% State Street Russell Small Cap® Index Securities Lending Fund - Class X [контакт скрыт] 644 0.01% 0.01% 0.00% 0.00% 0.00% 0.00% Janus Henderson Triton Fund - Class N [контакт скрыт] adpretpre&fundid=47103D793 0.67% 0.67% 0.00% 0.00% 0.00% 0.00% State Street Russell Small Cap Growth Securities Lending Fund - Class X [контакт скрыт] 594 0.02% 0.02% 0.00% 0.00% 0.00% 0.00% State Street Global All Cap Equity Ex-U.S. Index SL Fund - X [контакт скрыт] 651 0.04% 0.05% 0.00% 0.00% 0.00% 0.00% State Street World Developed ex US Index Securities Lending Fund - Class X [контакт скрыт] 636 0.02% 0.03% 0.00% 0.00% 0.00% 0.00% T. Rowe Price Overseas Stock Fund - Class I [контакт скрыт] adpretpre&fundid=77956H435 0.67% 0.67% 0.00% 0.00% 0.00% 0.00% State Street Emerging Markets Index Securities Lending Fund - Class X [контакт скрыт] 628 0.05% 0.07% 0.00% 0.00% 0.00% 0.00% 99-4567-T0-0217 ADP ACCESS with SPS IM - Tier Zero Page 4 of 5 ADP Investment Fund Expense and Compensation Disclosure INVESTMENT EXPENSES AND ADDITIONAL INFORMATION ADP INVESTMENT COMPENSATION A Fund Name & Prospectus/ Fund Declaration Link B Total Expense Ratio (Net) C Total Expense Ratio (Gross) D 12b-1 Fees E Sub-Transfer Agent/ Shareholder Servicing Fees F Common Collective Trust Service Payments G Total Paid to ADP Principal Real Estate Securities Fund - Class R6 [контакт скрыт] adpretpre&fundid=74256W568 0.81% 0.81% 0.00% 0.00% 0.00% 0.00% State Street REIT Index Securities-Lending Series Fund - Class II [контакт скрыт] 600 0.05% 0.05% 0.00% 0.00% 0.00% 0.00% DFA Commodity Strategy Portfolio - Institutional Class [контакт скрыт] adpretpre&fundid=23320G463 0.32% 0.32% 0.00% 0.00% 0.00% 0.00% Percentages shown are expressed as a percentage of an investment fund's total assets. Percentages shown are based on average daily balance. H Redemption Fees: In addition to the expenses shown in the chart above, certain mutual funds may also charge a redemption fee which may apply when shares of the mutual fund are sold. This fee varies from fund to fund and is explained in detail in a mutual fund’s prospectus. Information about redemption fees and market timing restrictions may be found on the ADP Plan Sponsor Website. Select “Fund Information” from the “Plan” tab, then click on the “Market Timing Restrictions” link. 99-4567-T0-0217 ADP ACCESS with SPS IM - Tier Zero Page 5 of 5 ADP Investment Fund Expense and Compensation Disclosure A This column details the name (and share class if applicable) of each investment fund and the location where its prospectus or Declaration of Trust can be accessed until they are available on the ADP Plan Sponsor Website. Specific funds that will be selected for your Plan depend upon the Tier (if more than one Tier is made available for selection) and investment Guidelines you have selected with SPS. A prospectus or Declaration of Trust may not be available for any “frozen” investment funds that have been accommodated by ADP in connection with your Plan’s conversion to ADP. B A total expense ratio (net) is a fund’s annual operating expenses expressed as a percentage of average net assets and includes management fees, administrative fees, and any marketing and distribution fees. Expense ratios directly reduce returns to investors. The expense ratio typically includes the following types of fees: accounting, administrator, advisor, auditor, board of directors, custodial, distribution (12b-1), legal organizational, professional, registration, shareholder reporting, sub-advisor, and transfer agency. The expense ratio does not reflect the fund’s brokerage costs or any investor sales charges. For publicly traded mutual funds, the net prospectus expense ratio is collected from the fund’s most recent prospectus and provided by Morningstar. This is the percentage of fund assets paid for operating expenses and management fees. Collective Trust Fund expense ratios are provided by the investment manager. ADP takes the expense ratios for mutual funds from a monthly Morningstar data feed and updates its systems with this information by the 6th business day of each month. If a mutual fund’s prospectus is updated between data updates, any change to the expense ratio may not be reflected in this chart. To confirm an expense ratio has not changed in the interim, look at the mutual fund’s prospectus. The introduction to this chart explains how to access a fund’s disclosure materials on the ADP Plan Sponsor Website. To calculate a fund’s net expense ratio for a one-year period expressed as a dollar amount for a $1,000 investment, multiply the net expense ratio shown times $1,000. (For example, a net expense ratio of 0.75% X $1,000 equals $7.50 per $1,000.00.) C In contrast to the net expense ratio, the gross expense ratio does not reflect any fee waivers in effect during the time period. Morningstar pulls the prospectus gross expense ratio from the fund’s most recent prospectus. Collective Trust Fund expense ratios are provided by the investment managers. ADP takes the expense ratios for mutual funds from a monthly Morningstar data feed and updates its systems with this information by the 6th business day of each month. If a mutual fund’s prospectus is updated between data updates, any change to the expense ratio may not be reflected in this chart. To confirm an expense ratio has not changed in the interim, look at the mutual fund’s prospectus. The introduction to this chart explains how to access a fund’s disclosure materials on the ADP Plan Sponsor Website. To calculate a fund’s gross expense ratio for a one-year period expressed as a dollar amount for a $1,000 investment, multiply the gross expense ratio shown times $1,000. (For example, a gross expense ratio of 0.75% X $1,000 equals $7.50 per $1,000.00.) D 12b-1 fees are generally received for providing one or more of the following services to or on behalf of investment funds or their affiliates: distribution services (including marketing), communication services, and shareholder servicing (includes: furnishing personal and other services and assistance, answering routine inquiries regarding a fund, assisting in changing dividend options, account designations and addresses, assistance with changing shareholder account designations and maintaining such recordkeeping accounts or such other services as the fund may require). E Sub-Transfer Agent/Shareholder Servicing Fees are generally received for providing one or more of the following services to or on behalf of investment funds or their affiliates: sub-accounting and administrative services (including, among others: order processing, recordkeeping, communications and shareholder/participant servicing). F Common Collective Trust Service Payments are generally received for providing one or more of the following services to or on behalf of common collective trust funds or their affiliates: sub-accounting and administrative services (including, among others: order processing, recordkeeping, communications and shareholder/participant servicing). G This is the total of the amounts shown in columns D, E, and F and shows the total compensation ADP expects to receive from the investment funds. H A redemption fee is a fee that some investment funds charge their shareholders when the shareholders redeem their shares. Although a redemption fee is deducted from redemption proceeds just like a deferred sales load, it is not considered to be a sales load. Unlike a sales load, which is used to pay brokers, a redemption fee is typically used to defray fund costs associated with a shareholder’s redemption and is paid directly to the fund, not to a broker. The explanation of total expense ratios (net and gross), as well as information concerning total expense ratios (net and gross) for all publicly-traded mutual funds, excluding money market funds, is provided by © 2017 Morningstar, Inc. All Rights Reserved. Information concerning total expense ratios for money market funds an