5 investments. If the IPS criteria require an investment to be removed, IAR will provide information and analysis to assist the Plan Fiduciary to evaluate replacement investment alternatives.
• Recommendations to Allocate and Rebalance Model Asset Allocation Portfolios: Based on the Plan’s IPS or other investment guidelines established by the Plan, the IAR will review the investment options available to the Plan and will make recommendations to assist the Plan Fiduciary to create and maintain Model Portfolios. Once the Plan Fiduciary approves the Model Portfolios, the IAR will provide reports information and recommendations, on a periodic basis, designed to assist the Plan Fiduciary to monitor the Plan’s investments. If the IPS criteria require an investment to be removed, the IAR will provide information and analysis to assist the Plan Fiduciary to evaluate replacement investment alternatives to be included in the Model Portfolios. Upon reasonable request he IAR will make recommendations to the Plan Fiduciary to rebalance the Model Portfolios to maintain their desired allocations.
• Recommendations to Select and Monitor Investment Managers: Based on the Plan’s IPS or other guidelines established by the Plan, IAR will review the potential investment managers available to the Plan and will make recommendations to assist the Plan Fiduciary to select one or more investment managers. Once the Plan Fiduciary approves the investment manager, IAR will provide, on a periodic basis, reports, information and recommendations to assist the Plan Fiduciary to monitor the Plan’s investment managers. If the IPS criteria require an investment manager to be removed, IAR will provide information and analysis to assist the Plan Fiduciary to evaluate replacement investment managers.
• Navigate Model Portfolios (“NRP”): Caleb Hopkins, CFA® manages a series of Navigate 401k discretionary investment models constructed utilizing mutual funds or ETFs. These portfolios were developed for investors looking for a strategic allocation providing diversification across major asset classes in a discretionary program. Investments will consist primarily of mutual funds and ETF assets and be focused on traditional fixed income, US equity, and international equity strategies. Investments will typically be spread across strategies provided by multiple investment management firms. These models are available as Conservative, Moderately Conservative, Moderate, Moderately Aggressive and Aggressive risk profiles. Additional information on the qualifications and background of Navigate 401K’s Investment Team leaders can be found in the Brochure Supplement (Form ADV Part 2B) at the back of this Brochure.
• Assistance with Plan Fiduciaries’ Governance and Committee Review, Including: ➢ Determining Plan Objectives and Plan Design Options Reviewing ➢ Retirement

Plan Committee Structure Requirements ➢ Reviewing Participant Education and Communication Strategy, Including ERISA 404(c) Requirements ➢ Coordinating and Reconciling Participant Disclosures Under ERISA Rule 404(a)(5) and Developing Requirements for Responding to Participant Requests for Additional Information ➢ Developing and Maintaining a Fiduciary Audit File ➢ Attending Periodic Meetings with Plan Fiduciary (Upon Request by Plan Fiduciary)
• Assistance with Plan Fiduciaries’ Vendor Management (Service Provider Selection/Review), Including: ➢ Reviewing Fees and Services and Identifying Procedures to Track the Receipt and Evaluation of ERISA 408(b)(2) Disclosures ➢ Providing Periodic Benchmarking of Fees and Services to Assist Review for Reasonableness ➢ Reviewing ERISA Spending Accounts or Plan Expense Recapture Accounts (PERAs) ➢ Generating and Evaluating Service Provider Requests for Proposals (RFPs) and or Requests for Information (RFIs) Support with Contract Negotiations ➢ Service Provider Transition and/or Plan Conversion
• Investment Education for Plan Fiduciaries Concerning: ➢ Investment Policy Statements ➢ Assessment of Overall Investment Structure of Plan (i.e., types and number of asset classes, model portfolios, etc.) ➢ Review of the Plan’s Investment Options ➢ Review of Qualified Designated Investment Alternatives (QDIA) ➢ Search and Review of Investment Managers
• Employee Investment Education and Communication Including: ➢ Providing Group Enrollment and Investment Education Meetings ➢ Providing Fee Specific Education and Communicate the Plan’s Requirements for Requesting Additional Information about Plan Fees and Expenses ➢ Supporting Individual Participant Questions ➢ Providing Periodic Updates Upon Request ➢ Assisting Participants with Retirement Readiness ➢ Attending Periodic Meetings with Plan Fiduciary (Upon Request by Plan Fiduciary) N401k does not offer Wrap Fee Program Accounts. As of December 31, 2023, the firm has $131,986,568 discretionary assets under management and $0 non-discretionary assets under management. Form ADV, Part 2A, Item 5 The following types of fees will be assessed: Asset Management – Fees are charged either quarterly or monthly in advance and are based primarily on asset size and the level of complexity of the services provided. In individual cases, N401k has the sole discretion to negotiate fees that are lower than the standard fee shown or to waive fees. Fees are not based on the share of capital gains or capital appreciation of the funds or any portion of the funds. Comparable services for lower fees may be available from other sources. Fees for the initial quarter or month will be prorated based upon the number of calendar days in the calendar quarter or month that the advisory agreement is in effect. In most cases, fees