1. A single solution for Payroll, Healthcare and Retirement Benefits
Access the power of
ONE
Thank you for taking time to meet with me today.
INTRODUCING
FIDELITY WORKPLACE SOLUTIONS
PAYROLL / HEALTHCARE / RETIREMENT

2. For businesses like yours
We know the challenges you face
RISING COST OF BENEFITS
ADMINISTRATIVE BURDEN
COMPLEX REGULATIONS
Issue:
Through our long-standing relationships with employers we have come to realize that, for the most part, they don’t like being in the benefit business.
Complex regulations, escalating financial commitments and worrying about health and retirement plans diverts their attention from their business just when they need most to focus. We understand your choices can feel overwhelming and you have limited time to make very important decisions. 2

3. OPERATIONAL EXCELLENCE
We can help
Fidelity Workplace Solutions strives to deliver
BENEFIT INNOVATION
SINGLE PROVIDER
OPERATIONAL EXCELLENCE
Action (how we can help):
That is why Fidelity has created Fidelity Workplace Solutions. An innovative suite of benefit and payroll strategies, from a company known for its service and operational excellence.
For the first time, Fidelity Investments, can service your payroll, support your health and insurance benefits, as well as offer everything needed to support your retirement plan needs. ONE provider – multiple benefits. 3

4. A positive impact on your business
Consolidating core benefits gives you
COST SAVINGS
STREAMLINED ADMINISTRATION
BETTER RESULTS
Impact (how this will impact your business):
By consolidating core benefits and payroll with a single provider you can:
streamline administration
reduce costs
provide better results for you and your employees. 4

5. What is Fidelity Workplace Solutions?
Administration of health and other benefits—all in one place.
HEALTH
RETIREMENT
A tailored strategy for smaller businesses and their employees.
PAYROLL
A seamless payroll administration solution that can reduce costs and save time.
Integration of core benefits powered by Payroll
INTEGRATION Benefits
One Data Source Feeds Payroll & Benefit Programs
Streamlines Employee Management
Simplifies Census Data & Compliance Reporting
OUSTANDING
Results
Time & Cost Savings
Error Reduction
Superior Customer Service & One-Stop Accountability
Improved Employee Productivity & Satisfaction
That’s why we created Fidelity Workplace Solutions - to make benefits management easier and find the right options for you.
When Payroll data syncs automatically with other benefit programs – it creates greater efficiencies and helps aid in compliance requirements; making both 401(k) and Health insurance management easier.
Having data all in one place reduces the need to transfer files to multiple providers and makes it simpler for automated transactions
401(k) Enrollment and Contribution Changes are automated
401(k) Loan Processing is automated
401(k) Funding happens on Payday (eliminates funding gap)
Year -End Testing is simplified
Single Site for Employee Self-Service
Health premiums are automatically deducted
Payroll data also provides great insights that will be useful to help drive better employee results (e.g. those that have not enrolled in your 401(k) plan)
These are just a few examples of how bringing the three together can help save time and improve accuracy – and it also gives you the opportunity to offer quality employee benefits through a known and trusted brand.
And while there is real power in bringing benefits and payroll together; each of these strategies are strong and competitive in their own right – let’s take a quick look at each: 5

6. Fidelity Pay
Seamless payroll solution — that can reduce costs and save time
Full payroll and contribution processing, tax services, ACA reporting, time and labor management — as well as optional advanced reporting capabilities.
A designated professional who understands your payroll needs and is responsible for ensures every payroll is easy, timely, and accurate.
Pay people by check, direct deposit or paycard.
A Web-based interface with full payroll and 401(k) integration, plus employees get access to NetBenefits®.
Over 15 years of payroll experience from a company known for operational excellence.
Web and mobile connectivity allow you to run payroll anywhere there’s Internet access.
SIMPLICITY
DEDICATED SERVICE
ACCESSIBILITY
FLEXIBILITY
INTEGRATION
EXPERTISE
SIMPLICITY
DEDICATED SERVICE
ACCESSIBILITY
FLEXIBILITY
INTEGRATION
EXPERTISE
Payroll administration can be a difficult, time consuming, and expensive process. It’s also a reality of life for every business. But payday doesn’t have to be something to worry about. If you just need a fresh perspective on payroll — Fidelity Payroll may be just what you need.
Fidelity Pay includes:
Dedicated Service
A designated payroll professional that understands your unique, local payroll processing needs and is responsible for ensuring that every payroll is easy, timely, and accurate.
Flexibility
Pay people by check, direct deposit or paycard
Simplicity
A web-based interface with full payroll and 401(k) integration, plus employees get access to NetBenefits
Expertise
Over 15 years of payroll experience from a company known for operational excellence
Integration
Full payroll and contribution processing, tax services, ACA reporting, time and labor management — as well as optional advanced reporting capabilities
Accessibility
Web and mobile connectivity allow you to run payroll anywhere there’s internet access 6

7. Fidelity Health
Comprehensive health and other benefits — all in one place.
One-on-one consulting with the goal of optimizing the type of coverage you offer helping reduce benefit costs. 
Providing access to telemedicine offerings provides increased care options, convenience and cost savings.
A go-to benefits resource who can also help with compliance questions.
Free benefits portal offering100% visibility to all employee benefits information through one platform ­— in real time.
Extensive network of medical, dental, vision and other insurance options for access to the providers you want.
Employee access health and financial benefits — including Fidelity’s HSA — all in one place through NetBenefits®.
EXPERTISE
IMPROVED EFFICIENCY
SUPPORT
CHOICE
SIMPLICITY
REDUCE COST
EXPERTISE
IMPROVED EFFICIENCY
SUPPORT
CHOICE
SIMPLICITY
REDUCE COST
Fidelity Health provides a smart, simple way to manage your benefits while reducing HR administration costs and headaches. We offer seamless access to health benefits, life insurance, tax advantaged accounts, and more ­— all in one place.
Reduce Cost
One-on-one consulting with the goal of optimizing the type of coverage your offer, helping to reduce becosts.
Improved Efficiency
Free benefits portal that provides 100% visibility to all employee benefits information through one platform ­— in real time
Choice
Extensive network of medical, dental, vision and other insurance providers to better control costs
Simplicity
Employee access to health and financial benefits in one place through NetBenefits® — including Fidelity’s HSA
Support
Access to benefit decision guides and telemedicine offerings provide increased care options, convenience and cost savings
Expertise
A dedicated Account Manager is your go-to benefits and compliance resource 7

8. Fidelity Retirement Offer the same program — as much larger companies
Setting the standard for superior client retention through quality implementation, operations and customer service.
A free, comprehensive program that helps employees address immediate financial needs with an eye toward the future.
Investment and distribution support that helps employees answer the question we hear most, “What should I do?”
We help your plan run smoothly, providing fiduciary and investment support, as well as industry and legislative updates and direction.
Meeting employees where they are with a consistent experience across, digital, mobile, phone and in person engagements — all with live rep support.
Here today, here tomorrow — over 70 years of innovation-driven investment and 30+ years of retirement experience.
FINANCIAL WELLNESS
ADVICE
SUPPORT
EXPERIENCE
EXCELLENCE
CONSISTENCY
FINANCIAL WELLNESS
ADVICE
SUPPORT
EXPERIENCE
EXCELLENCE
CONSISTENCY
Fidelity is a great fit for smaller businesses and their employees. Many are surprised to learn that over half of Fidelity’s 401(k) clients have $5 million or less in 401(k) assets and two thirds have less than 150 employees.  We know that your 401(k) plan is important in attracting and keeping quality employees – but that it’s likely not at the top of your to-do list. We help you offer a quality plan and provide the ongoing support you need to be successful.
Financial Wellness
 A free, comprehensive program that helps employees address immediate financial needs with an eye toward the future
Advice
Investment and distribution support that helps employees answer the question we hear most, “What should I do"?
 Support
We help your plan run smoothly providing fiduciary and investment support as well as industry and legislative updates and direction
 Experience
Over 70 years of innovation-driven investment and 30+ years of retirement plan record-keeping experience
 Excellence
Setting the standard for quality implementation, operations and service reflected in superior client retention 
Consistency
Meeting employees where they are - a consistent experience no matter how they engage - digital, mobile, phone, and in person - all with live rep support 8

9. Integrated payroll, health and retirement
Fidelity as your ONE provider
FOR YOUR BUSINESS
Integrated payroll, health and retirement
One service provider for your payroll and core benefit programs
Reduced cost and administrative burden
Quality services from a known provider
Improved accuracy with automated data transmission
The Power of ONE
With Fidelity Investments, you will have a single provider who will be accountable for record keeping and servicing your payroll and core employee benefits programs.
Built-in efficiency for your benefits programs powered by payroll data 9

10. Simple, integrated benefit information
Fidelity as your ONE provider
FOR YOUR EMPLOYEES
Simple, integrated benefit information
Holistic view of payroll and benefit programs with NetBenefits®
Focus on financial well-being today and tomorrow
One resource for all Fidelity benefits
Superior customer service
The Power of ONE
Helping employees choose and make informed benefit decisions is an important step in improving their situation and potentially reducing their benefit costs.
By bringing together core benefits and payroll we have the data and insights to provide more help to your employees – and they have the benefit of seeing all of their benefits in one place.
They can update personal information once and it will automatically update across all of their benefits 10

11. Why Fidelity? Rely on support from a privately-held, trusted provider
WORLD-CLASS SERVICE
TECHNOLOGICAL INNOVATION & SECURITY
OPERATIONAL EXCELLENCE
You can rely on us:
Support from a privately-held, trusted provider, offering world-class service
Technological innovation and operational excellence
70 years of history and heritage
High Net Promoter Score
Outstanding Client Retention Rate
Partnership with Fidelity Center Applied Technology (FCAT)
Industry leading security programs – ISO certifications and Customer protection guarantees 11

12. Fidelity Workplace Solutions
We help EMPLOYERS get more from their BENEFIT spend.
We help EMPLOYEES get more from their BENEFITS.
We want to help employers like you get the most out of your benefit spend by continuing to simply the process for you and your employees. By building in better efficiency at potentially lower costs – you can invest more of your time and talent in your business; while we focus on your benefits and payroll. 12

13. Important Information
Approved for use in advisor and 401(k) markets. Firm review may apply.
Fidelity Brokerage Services LLC, Member NYSE, 900 Salem Street, Smithfield, RI 02917
©2017 FMR LLC. All rights reserved.