1
Your Investment Allocations
Retirement Account Statement
Current Allocations
How your current account balance
is spread among investment types Stocks
BUCKNER
100%
NESHEIM
Future Allocations
How your future contributions will
Summary for April 1, 2020 - June 30, 2020
be allocated among investment
types
100%
Motorcycle Industry Council, Inc.
Ending Balance Your Retirement Outlook® as of 06/12/20
932003 06867 TriNet 401(k) Plan $79,481.71
Total $79,481.71
Beginning Balance $64,029.91 Personalized Rate of Return —All Accounts
Partly Sunny
Money In 3 Mo. YTD 1 Yr. 3 Yr.
Your Contributions $1,057.67 21.76% -8.65% -0.91% 4.44% A partly sunny forecast means your current strategy is likely to
Employer Contributions $288.46 produce retirement income that meets 80% - 94.9% of your goal.
Money Out $0.00 Your Personal Rate of Return (PRR) Monthly Yearly
Credits/Fees -$15.13 represents the specific performance of the Estimated Income, including $3,725.00 $44,700.00
Gain/Loss $14,120.80 investment choices you have selected. The PRR estimated Social Security
calculates the percentage change of your account Income Goal $3,975.00 $47,700.00
Ending Balance $79,481.71
Estimated Income Gap -$250.00 -$3,000.00
Vested Balance $79,481.71 balance by weighting all activity included in the
time period measured. It includes your Improve Your Retirement Outlook today!
investment earnings during the period and is net
IMPORTANT: The projections or other information generated by the engine regarding
of plan fees and credits. Indicated returns are the likelihood of various investment outcomes are hypothetical, do not reflect actual
annualized when performance of one year or investment results, and are not guarantees of future results. Results derived from the
greater is shown. tool may vary with each use and over time. Please visit your plan website for more
information regarding the criteria and methodology used, the engine's limitations and key
This statement has been carefully prepared to ensure it is assumptions, and other important information.
accurate and up-to-date. Should you find any
discrepancies, please let us know in writing within 30 days.
Please direct any concerns to Transamerica by calling the
phone number on this statement or signing into your
account at transamerica.com/portal/home and clicking
"Help".
Contact Us:
800-401-8726
transamerica.com/portal/home Financial Skills for Real Life The CARES Act: What you need to know
See other pages for definitions Your financial life involves more than just retirement planning. That's why we The CARES Act - which aims to provide relief for those financially impacted by the
and explanations. launched the Financial Wellness Center - a fun, easy way to get financially savvy current pandemic - includes provisions that may allow more flexibility in accessing
while social distancing. You'll find learning "playlists" that contain short videos, retirement assets for those who qualify. To learn more, visit
lessons, and tools designed to guide you through each stage of your financial Transamerica.com/portal/home.
journey.
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932003 06867 - TriNet 401(k) Plan
Information on page 2 and forward relates to this specific plan.
Recent Activity
Beginning Ending % of
Fund Balance Money In Money Out Transfers Credits/Fees Gain/Loss Balance Units/Shares account
Stocks
DFA US Small Cap Value Ret Acct $6,264.33 $0.00 $0.00 $0.00 -$0.87 $1,394.20 $7,657.66 943.790276 10%
Legal & General S&P 500 Ret Acct $37,336.38 $673.02 $0.00 $0.00 -$5.32 $7,742.11 $45,746.19 3,324.110566 57%
SSgA S&P Mid Cap Index Ret Acct $20,429.20 $673.11 $0.00 $0.00 -$8.94 $4,984.49 $26,077.86 599.869769 33%
Totals $64,029.91 $1,346.13 $0.00 $0.00 -$15.13 $14,120.80 $79,481.71 100%
Money In Detail
Your Contributions $1,057.67
Employer Contributions $288.46
Fee Summary
Total Fees/Credits
Administration Fee -$6.00
Contract Asset Charge -$9.13
Total Fees/Credits -$15.13
Different funds have different fees and fee structures (please refer to your plan’s Fund and Fee Information, available on the website, for more details). The table above expresses all charges as dollar amounts.
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About Probability Illustrations, Limitations, and Key Assumptions
The probability illustrations generated from the engine are based on Monte Carlo simulations of 500 possible investment scenarios for a given time period and assume a range of possible returns. The
illustrations are generated according to models developed by Morningstar Investment Management LLC, a leading independent provider of asset allocation, manager selection, and portfolio
construction. The Your Retirement Outlook® graphic reflects the difference between the model's estimated annual income (which corresponds to a 70% probability level of income in the investment
scenarios simulated) and your annual income goal.
When forecasting the probability of achieving your income goal, the model employs different returns for different asset classes, based on Morningstar Investment Management's capital market
assumptions developed using historical and forward-looking data. Forecasts of expected return, expected standard deviation and correlation among asset classes based on Morningstar Investment
Management LLC's proprietary equity, fixed income, currency and risk models. Current assets are assigned to asset classes based on Morningstar Categories, and fees and charges inherent in
investing are incorporated with an average fee assumption for each asset class. The benchmarks used for modeling the various asset classes are below. Return assumptions are updated annually;
these updates may have a material impact on your projections. Return assumptions are estimates not guarantees. The returns you experience may be materially different than projections. You cannot
invest directly in an index.
Asset Class Benchmark
Cash Alternatives BofA ML US Treasury Bill 3 Month USD
Lower Risk/Volatility Short Term Bonds BarCap US Govt/Credit 1-3 Yr TR
Aggregate Bonds Barclays Capital US Agg Bond TR
Foreign Bonds Barclays Global Aggregate Ex USD TR
Direct Real Estate NCREIF Transaction Based Index
High Yield Bonds Barclays Capital US Corporate High Yield TR
TIPS Barclays Capital Global Inflation Linked US TIPS TR
Long Term Bonds Barclays Capital US Govt/Credit Long TR
Large Cap Value Equity Russell 1000 Value TR
Large Cap Equity Russell 1000 TR
Mid Cap Value Equity Russell Mid Cap Value TR
Mid-Cap Equity Russell Mid Cap TR
International Equity MSCI EAFE GR
Commodities Bloomberg Commodity TR
Mid / Small Cap Value Equity Russell 2500 Value TR
Large Cap Growth Equity Russell 1000 Growth TR
Mid / Small Cap Equity Russell 2500 TR
Small Cap Value Equity Russell 2000 Value TR
Small Cap Equity Russell 2000 TR
Mid Cap Growth Equity Russell Mid Cap Growth TR
Mid / Small Cap Growth Equity Russell 2500 Growth TR
REITs FTSE NAREIT Equity REITs TR
Higher Risk/Volatility Small Cap Growth Equity Russell 2000 Growth TR
Emerging Markets Equity MSCI EM GR
Unless you choose otherwise or your employer supplies different information, the probability illustrations assume retirement at the age at which you qualify for full Social Security benefits and an
annual retirement income goal of 80% of your projected final working salary. Social Security estimates are based on the Social Security Administration methodology and your current salary. The
probability illustrations also assume a consistent contribution percentage and asset allocation (no future changes or rebalancing unless you are subscribed to a managed account or a target date asset
allocation service), annual inflation of approximately 2%, and annual salary increases based on a calculation that incorporates multiple factors including a salary growth curve and inflation. Mortality
assumptions are based on the Society of Actuaries tables.
The models are subject to a number of limitations. Returns associated with market extremes may occur more frequently than assumed in the models. Some asset classes have relatively limited
histories; for these classes the models use historical data for shorter time periods. The model does not consider other asset classes such as hedge funds or private equity, which may have
characteristics similar or superior to those used in the model. Capital market assumptions are forecasts which involve known and unknown risks, uncertainties, and other factors which may cause the
actual results to differ materially and/or substantially from any future results, performance, or achievements expressed or implied by those projections for any reason.
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There is no guarantee that your income goal will be achieved or that the aggregate accumulated amount will ensure a specified annual retirement income. Results may vary with each use
and over time.
IMPORTANT: The projections or other information generated by the engine regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual
investment results, and are not guarantees of future results. Moreover, even though the tool's estimates are statistically sound based upon the simulations it runs, the tool cannot foresee or
account for every possible scenario that may negatively impact your financial situation. Thus you should monitor your account regularly and base your investment decisions on your time horizon, risk
tolerance, and personal financial situation, as well as on the information in the prospectuses for investments you consider.
Transamerica has licensed the Morningstar® Wealth Forecasting EngineSM from Morningstar, Inc., which is used by Morningstar Investment Management LLC, a registered investment adviser and
subsidiary of Morningstar, Inc, in the services it provides to participants. Morningstar and Morningstar Investment Management are not affiliated with Transamerica. The Morningstar name and logo are
registered marks of Morningstar, Inc.
Securities offered by Transamerica Investors Securities Corporation (TISC), 440 Mamaroneck Avenue, Harrison, NY 10528. Investment advisory services are offered through Transamerica Retirement
Advisors, LLC (TRA), registered investment advisor. All Transamerica companies identified are affiliated companies.
Investments: If you direct the investment of assets in your account under the plan, please note that:
I. Any limitations or restrictions on your right to direct an investment under the plan are explained below.
Not Applicable
II. Importance of a Well-Balanced Diversified Portfolio: To help achieve long-term retirement security, you should give careful consideration to the benefits of a well-balanced and
diversified investment portfolio. Spreading your assets among different types of investments can help you achieve a favorable rate of return, while minimizing your overall risk of losing
money. This is because market or other economic conditions that cause one category of assets, or one particular security, to perform very well often cause another asset category, or
another particular security, to perform poorly. If you invest more than 20% of your retirement savings in any one company or industry, your savings may not be properly diversified.
Although diversification is not a guarantee against loss, it is an effective strategy to help you manage investment risk. In deciding how to invest your retirement savings, you should take
into account all of your assets, including any retirement savings outside of the plan. No single approach is right for everyone because, among other factors, individuals have different
financial goals, different time horizons for meeting their goals, and different tolerances for risk. It is also important to periodically review your investment portfolio, your investment
objectives, and the investment options under the plan to help ensure that your retirement savings will meet your retirement goals.
III. Rights to Additional Information: For sources of information on individual investing and diversification, the Department of Labor provides information at
https://www.dol.gov/agencies/ebsa/laws-and-regulations/laws/pension-protection-act/investing-and-diversification.
Descriptions of your plan's benefits and features are subject to the provisions of the applicable plan documents, which govern in the event of any discrepancy.
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For Information about your privacy rights under applicable law, visit www.transamerica.com/privacy-policy.
Transamerica Investors Securities Corporation (TISC), 440 Mamaroneck Avenue, Harrison, NY 10528, distributes securities products. Any mutual fund offered under the plan is
distributed by that particular fund's associated fund family and its affiliated broker-dealer or other broker-dealers with effective selling agreements such as TISC. Bank collective trusts
funds, if offered under the plan, are not insured by the FDIC, the Federal Reserve Bank or any other government agency and are not registered with the Securities and Exchange
Commission. Group annuity contracts, if offered under the plan, are made available through the applicable insurance company. Any guarantee of principal and/or interest under a group
annuity contract is subject to the claims-paying ability of the applicable insurer. Certain investment options made available under the plan may be offered through affiliates of
Transamerica Retirement Solutions and TISC. These may include: (1) the Transamerica Funds (registered mutual funds distributed by Transamerica Capital, Inc. (TCI) and advised by
Transamerica Asset Management, Inc. (TAM)); (2) Transamerica Retirement Solutions Collective Trust (formerly the Diversified Investment Advisors Collective Trust), a collective trust fund
of Massachusetts Fidelity Trust Company (MFTC) (includes the Stable Pooled Fund); (3) group annuity contracts issued by Transamerica Financial Life Insurance Company (TFLIC), 440
Mamaroneck Avenue, Harrison, NY 10528 (includes the Stable Fund, the Fixed Fund, the Guaranteed Pooled Fund, and SecurePath for Life); and (4) group annuity contracts issued by
Transamerica Life Insurance Company (TLIC), 6400 C Street SW, Cedar Rapids, IA 52499 (includes SecurePath for Life®).
Contact Us: 800-401-8726 | transamerica.com/portal/home 21 3 NESHEIM July 3, 2020
XEROX_HRI_NAME: BUCKNER NESHEIM
XEROX_HRI: 003411202006300494283616952940021353146823919400A6XP0303
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BUCKNER NESHEIM
IRVINE, CA 92612
5091 CINNAMON
411 21353146823919400 4942836169529400 July 3, 2020