Sponsor Disclosure

Section 408(b)(2) Disclosure Summary:

Plan Recordkeeping and Administrative Services Provided by Voya

As a plan fiduciary, you need to have information that allows you to assess the reasonableness of your plan?s arrangements with service providers and the reasonableness of the compensation your plan is providing for those services. This summary report was prepared with that purpose in mind. It summarizes in one place vital pieces of information about the recordkeeping and administrative services we provide to your plan and the cost of those services. This report has been prepared in conformity with the United States Department of Labor final service provider fee disclosure regulations under Section 408(b)(2) of ERISA.

Voya companies have been providing recordkeeping and administrative services to defined contribution plans for more than 40 years. We bring that experience to bear by combining cutting-edge technology to help manage your plan, comprehensive support to help navigate today?s regulatory landscape, dedicated resources to support your specific plan needs; and communications to help educate, guide and motivate your participants to take full advantage of the benefits of the plan. Voya maintains working relationships with a wide range of fund families to provide a broad range of diverse investment alternatives that plans may select from to construct investment choices that are appropriate for their participant base. We have the experience and the capability to work closely in support of your local advisers and other local service providers that you may engage.

For additional information and materials to help you understand the fee disclosure regulations, and the reports available to you, please go to: http://foremployers.voya.com/retirement-plans/fee-disclosure.

Please click on the links below for information about the costs associated with your plan?s investments, the services we provide and the compensation we receive in connection with those services. Please also refer to your Voya contract and/or other program documents and disclosure for additional information. In the event of a conflict between this summary and the contract or other program agreements or disclosure, the terms of the contract and/or other program agreements and disclosure will prevail.

[ ] Investment Expenses and Indirect Compensation

[ ] Service Description and Direct Compensation

[ ] Supplemental Disclosure Document

Insurance products, annuities and funding agreements issued by Voya Retirement Insurance and Annuity Company ("VRIAC") One Orange Way, Windsor, CT 06095 , which is solely responsible for meeting its obligations. Plan administrative services provided by VRIAC or Voya Institutional Plan Services, LLC. All companies are members of the VoyaTM family of companies. Securities distributed by or offered through Voya Financial Partners, LLC (member SIPC) or other broker-dealers with which it has a selling agreement. C11-0114-026R (2/11)