TechnologyPlan Sponsor

• Plan Access, our dynamic online plan-management tool, enables plan sponsors to view plan information and participant accounts, submit payrolls and view and order reports

• Streamlined payroll submission process, customized for each payroll provider

Participant• Retirement Access, our participant website,

allows participants to enroll in the plan, view real time account information, process transactions, rebalance assets and access interactive calculators. Also available via a mobile app

• English and Spanish VRU available 24 hours a day, 7 days a week. Customer Service Representatives available, toll-free, 8 a.m. to 8 p.m. Eastern Time

Plan communication and educationPlan Sponsor

• Quarterly Plan Service Review provides a detailed plan synopsis and statistics

• Periodic e-Communications provide news and updates that may impact your plan and participants

Participant• Automated employee campaigns

utilizing sophisticated targeting and behavioral science techniques to help drive engagement and improve retirement readiness

• Employee enrollment and education support available, along with a robust suite of on-demand tools and calculators

• MapMyFinancesSM, an online educational planning tool, helps employees create a comprehensive game plan for financial wellness tailored to their personal situation*

• Deferral Illustrator, a personalized savings analysis (census data required)

• Quarterly participant benefit statements• Interactive employee website,

www.MassMutual.com/retirementaccess

MassMutual Aviator®

Program Guide

E M P LOY E R

MassMutual Aviator is a comprehensive retirement program designed to ease your administrative burdens while helping your employees improve their retirement readiness.

FOR FINANCIAL PROFESSIONAL AND EMPLOYER USE ONLY.

NOT A BANK OR CREDIT UNION DEPOSIT OR OBLIGATION • NOT FDIC OR NCUA INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT GUARANTEED BY ANY BANK OR CREDIT UNION

View demos of Retirement Access at www.MassMutualrsdemo.com/

retirementaccess and Plan Access at www.MassMutualrsdemo.com/planaccess/

* Guidance may not be available for certain products. Guidance is based on MapMyFinances assumptions and information provided by the employee and employer.

1 Envestnet Retirement Solutions, LLC (“ERS”) is a SEC registered investment adviser and is the fiduciary provider for the MassMutual Fiduciary Assure program. ERS is a majority owned subsidiary of Envestnet, Inc. (NYSE:ENV). ERS and Envestnet, Inc. are not affiliated with MassMutual or any of its subsidiaries.

2 Not available in New York state. Guarantees are based on the claims-paying ability of the issuer, Massachusetts Mutual Life Insurance Company.

FOR FINANCIAL PROFESSIONAL AND EMPLOYER USE ONLY.

I N V E S T M E N T O P T I O N S P R O V I D E D B Y W E L L K N O W N A S S E T M A N A G E R S

Asset managers may vary based on share class availability or program.

Plan administration• Experienced client service teams• Prototype plan document and plan

amendment services• Annual compliance testing and

reporting services• IRS and DOL filing support services

Note: if you are working with a third-party administrator (TPA), these plan administration services will be provided by your TPA.

Additional Features• Online Distributions and Loans approval • Rollover IRA option available• Robust auto enrollment and auto increase

options available

Investment solutions• Open architecture approach, with investments

that span the spectrum of asset classes and investing styles

• Lifestyle (risk-based) and target date (retirement-based) asset allocation options

• Fiduciary Assure, powered by Envestnet Retirement Solutions, LLC (ERS), offers sponsors ERISA 3(21) and ERISA 3(38) fiduciary services1

• MassMutual Lifetime Income, providing guaranteed retirement income for life2

• Model My Goals asset allocation program that provides simplified asset allocation for participants with a profes-sionally designed investment strategy

• Plans may select a maximum of 40 investment choices, which may include the Fixed Account

FOR FINANCIAL PROFESSIONAL AND EMPLOYER USE ONLY.

With MassMutual, your clients work with a well-established company, one with superior financial ratings and a long track record serving the retirement plans market.

A solid track record of achievement

3 Data for MassMutual’s Workplace and Institutional Solutions, as of December 31, 2018.4 Ratings are for MassMutual (Springfield, MA 01111) and its subsidiaries, C.M. Life Insurance Co. and MML Bay State Life

Insurance Co. (Enfield, CT 06082). Ratings are subject to change.5 Dividends are not guaranteed.6 FORTUNE® AND FORTUNE® 500 are registered trademarks of Time, Inc. and are used under license. FORTUNE® and

Time, Inc. are not affiliated with and do not endorse products or services of MassMutual.

Among the highest financial strength ratings4 of any company in any industry

Financial strength ratings are as of May 31, 2019

A.M. Best A++ (Superior; top category of 15)

Fitch RatingsAA+

(Very Strong; second category of 21)

Moody’s Investors Service

Aa3 (High Quality; fourth

category of 21)

Standard & Poor’sAA+

(Very Strong; second category of 21)

MassMutual has paid dividends5 to eligible participating policyowners every year since 1869.

1851 YEAR

FOUNDED

70+YEARS

servicing retirement plans

2.6Mparticipating employees3

$185.3Bassets under

management3

93%client

retention3

#93 on the FORTUNE® 500 list,

June 20186

2019 World’s Most Ethical Company by Ethisphere Institute

For additional information, including a proposal that contains the most current program information and fees, contact your financial professional, your

local MassMutual retirement representative or call, 1-800-874-2502, option 4.

© 2019 Massachusetts Mutual Life Insurance Company (MassMutual®), Springfield, MA 01111-0001. All rights reserved. www.MassMutual.com.RS2904 1119 C:RS-33624-11

FOR FINANCIAL PROFESSIONAL AND EMPLOYER USE ONLY. The information provided is not written or intended as specific tax or legal advice. MassMutual, its subsidiaries, employees and representatives are not authorized to give tax or legal advice. Individuals are encouraged to seek advice from their own tax or legal counsel.The MassMutual Aviator program is funded by a group variable funding agreement (Form series GP 8000, not available in MN, NH, PA, WA and WI) or by a group variable annuity contract (Form GP 8100 in MN, NH, PA, WA and WI) issued by Massachusetts Mutual Life Insurance Company, Springfield, MA. The Form GP 8000 series includes state variations.Not withstanding some of the terms used in these materials (e.g., plan sponsor or employer), these materials are directed to and are intended for use by the referenced plan’s independent fiduciary adviser based on MassMutual’s understanding that (a) the independent fiduciary has under management or control total assets of at least $50 million, or is a broker-dealer, investment adviser, insurance carrier, or bank, as defined in 29 CFR section 2510.3-21(c)(1), (b) the independent fiduciary is responsible for exercising independent judgment in evaluating any transaction between the plan and MassMutual and (c) the independent fiduciary is capable of evaluating investment risks independently, both in general and with regard to particular transactions and investment strategies. Unless you tell us otherwise, MassMutual will assume that our understanding of the independent fiduciary’s role and qualifications is correct. MassMutual is not undertaking to provide impartial investment advice, or give advice in a fiduciary capacity, in connection with any investment by, or other transaction of, the plan. MassMutual and its affiliates have a financial interest in any investment made by the plan while a client of MassMutual’s and may receive 12(b)(1) fees, sub-transfer agency fees, shareholder servicing fees, revenue sharing, investment advisory fees, administrative fees, asset charges, float, optional services fees and other fees and revenue as a result of any investment by the plan. MassMutual will provide the plan with a complete description of all such fees prior to any investment by the plan and upon request.Investors should consider an investment’s objectives, risks, charges and expenses carefully before investing. For this and other information, see the applicable prospectus (and/or summary prospectuses, if available) for the investment options listed available from your financial professional or our website. Read them carefully before investing.Envestnet Retirement Solutions, LLC (“ERS”) is a SEC registered investment adviser and is the fiduciary provider for the MassMutual Fiduciary Assure program. ERS is a majority owned subsidiary of Envestnet, Inc. (NYSE:ENV). ERS and Envestnet, Inc. are not affiliated with MassMutual or any of its subsidiaries.