Technology

Plan 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

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

• 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 education

Plan Sponsor• Quarterly Plan Service Review provides

a detailed plan synopsis and statistics• Periodic e-Communications provide

news and updates that impact your plan and participants

Participant• RetireSMART, a comprehensive

employee communication program that drives action

• Group education meetings• Deferral Illustrator, a personalized

savings analysis (census data required)• Quarterly participant benefit statements• Interactive educational employee

website, www.massmutual.com/retirementaccess

MassMutual AviatorProgram Guide

E M P LOY E R

MassMutual Aviator is a retirement program designed to ease your administrative burdens while helping your employees retire on their own terms.

FOR FINANCIAL PROFESSIONAL AND EMPLOYER USE ONLY. NOT FOR USE WITH THE PUBLIC.

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

ML

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

amendment services• Annual compliance testing and reporting• 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.

Investment solutions• No proprietary fund requirement • Investments that span the spectrum

of asset classes and investing styles• Lifestyle (risk-based) and target

date (retirement-based) asset allocation options

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

• Self Directed Brokerage Account (SDBA)

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

1

Fund families may vary based on share class availability or program. Plans may select a maximum of 40 investment choices. Please request a sales proposal for more information.Fidelity Investments & Pyramid Design is a registered service mark of FMR Corp. MassMutual and Fidelity Investments are not affiliated.

FOR FINANCIAL PROFESSIONAL AND EMPLOYER USE ONLY. NOT FOR USE WITH THE PUBLIC.

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 T H E F O L L O W I N G W E L L - K N O W N

F U N D C O M P A N I E S :

2FOR FINANCIAL PROFESSIONAL AND EMPLOYER USE ONLY. NOT FOR USE WITH THE PUBLIC.

A strong mutual company with the right, experienced people

Among the highest financial strength ratings3 of any company in any industry

A.M. Best A++

Fitch Ratings AA+

Moody’s Investors Service AA2

Standard & Poor’s AA+

MassMutual has paid dividends4 to eligible participating policyowners every year since 1869.

#77 FORTUNE® 500, June 20175

2018 FORTUNE® Most Admired Companies

MassMutual at-a-glance

1 As of March 31, 2017.2 As of December 31, 2016.3 Financial strength ratings are as of January 1, 2018. Ratings are for Massachusetts Mutual Life Insurance Company

(MassMutual) (Springfield, MA 01111-0001) and its subsidiaries, C.M. Life Insurance Co. and MML Bay State Life Insurance Co. (Enfield, CT 06082). Ratings are subject to change.

4 Dividends are not guaranteed.5 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, Licensee.

1851 YEAR

FOUNDED

70+YEARS

servicing retirement plans

3Mparticipating employees1

$170.4Bassets under

management1

94%client

retention2

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.

© 2018 Massachusetts Mutual Life Insurance Company (MassMutual), Springfield, MA 01111-0001. All rights reserved. www.massmutual.com.RS3126 318 C:RS-43572-00

FOR FINANCIAL PROFESSIONAL AND EMPLOYER USE ONLY. NOT FOR USE WITH THE PUBLIC. 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 PA, WA and WI) or by a group variable annuity contract (Form GP 8100, available in PA, WA, WI), issued by Massachusetts Mutual Life Insurance Company, Springfield, MA. The Form GP 8000 series includes state variations.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.