COMPERIO was founded in May 2006 by two investment professionals whose goal from its inception has been to provide plan sponsors (fiduciaries) an objective, independent third-party evaluation of their investment portfolios and fees. COMPERIO is owned today by James R. Sotell. Comperio is incorporated as a Subchapter S Corporation in the State of North Carolina. Our headquarters is in Cary, North Carolina. As of 12/31/2023, COMPERIO advises Plan Sponsors on approximately $2 Billion in retirement plan assets for ongoing retainer business. Retirement Plan Consulting Services COMPERIO's services will consist of the following components to provide a complete set of advisory services to retirement plan sponsors. Clients may choose to use any or all these services. Investment Policy Statement Preparation (hereinafter referred to as ''IPS''): COMPERIO will meet with the client to determine an appropriate investment strategy that reflects the plan sponsor's stated investment objectives for management of the plan. COMPERIO will then prepare a written Investment Policy Statement (“IPS”) stating those needs and goals and encompassing a Policy under which these goals are to be achieved. The IPS will also list the criteria for selection of investment managers and the procedures and timing interval for monitoring of the investment manager's performance. Selection of Investment Vehicles: COMPERIO will review various investments to determine which investments are appropriate to implement the client's IPS. COMPERIO will review various investments, consisting primarily of mutual funds (both passive and actively managed), collective trust and/or ETFs to determine which of these investments are appropriate to implement the client's IPS. The number of investments to be recommended will be determined by the client and COMPERIO, based upon the IPS. Monitoring of Investment Performance: Client investments will be monitored continuously based on the procedures and timing intervals delineated in the IPS. Although COMPERIO will not be involved in any way in the purchase or sale of these investments, COMPERIO will supervise the client's portfolio and will make recommendations to the client as market factors and the retirement plan's needs dictate. Evaluation of Total Plan Cost: COMPERIO will provide support to the client in understanding and evaluating total plan cost and revenue sharing (if any). Employee Communications & Education: For retirement plans, including profit sharing and 401(k) plans where there are individual accounts with participants exercising control over assets in their own account (''self-directed plans''), COMPERIO may also provide educational support and investment workshops designed for the Plan Participants. The nature of the topics to be covered will be determined by COMPERIO and the client under the guidelines established in ERISA Section 404(c). Enrollment and educational meeting will cover investment principles and concepts, plan information, and the advantages of tax-deferred savings. Plan information: COMPERIO provides information that informs participants about the benefits of retirement plans, advantages of contributing to a plan or increasing their contributions, the tax status of contributions, terms of the plan and the impact of withdrawals or loans on retirement income. In addition, COMPERIO provides information pertaining to the investments offered in the plan, such as investment objectives, risk and return characteristics of a particular fund and historical returns. General financial and investment information: COMPERIO may provide plan participants with information about general investment concepts, including concepts such as diversification, dollar-cost averaging, compounding, risk and return, the effect of inflation, and tax deferral. COMPERIO also will include information about the historic differences in rates of return between different asset classes based on standard

market indices (identifying, e.g., bonds, equities, and cash as examples of asset classes). COMPERIO may also assist participants with tools to estimate future retirement income needs, determine investment time horizons and assess risk tolerance. Asset allocation model portfolios: COMPERIO may provide information or materials that provide hypothetical asset allocation model portfolios with different time horizons and risk profiles. Under certain conditions for educational purposes, specific fund options may be identified with asset classes. COMPERIO utilizes pie charts, graphs, and case studies to show hypothetical allocation models based on generally accepted investment theories that consider the historic returns of different asset classes over defined periods of time. Participants are provided with descriptions of material facts and assumptions to accompany the models, and facts and assumptions that figure in the model which may include retirement ages, income levels, rates of return, financial resources, replacement income ratios, and inflation rates. Third Party Manager Search and Monitoring: COMPERIO also provides third party manager search and monitoring services for Pension Plans (Defined Benefit Plans). Based on a client's individual circumstances and needs, COMPERIO will determine which money manager's portfolio management services are appropriate for that client. Factors considered in making this determination include quantitative and qualitative factors including but not limited account size, risk tolerance and the investment philosophy of the independent money manager. Clients should refer to the independent money manager's legally required disclosure document for a full description of the services offered. COMPERIO will meet with the client on a regular basis, or as determined by the client, to review the account. If COMPERIO believes that a particular independent money manager is performing inadequately, or if COMPERIO believes that a different manager is more suitable for a client's particular needs, then COMPERIO may recommend that the client contract with a different money manager. Under this scenario, COMPERIO will assist the client in selecting a new money manager, and then monitor that money manager's performance. Financial Planning Services COMPERIO may also provide advice in the form of Financial Planning. Clients purchasing this service may receive a written financial plan, providing the client with a detailed financial plan designed to achieve their stated financial goals and objectives. In general, the financial plan may address any or all the following areas of concern: PERSONAL: Family records, budgeting, personal liability, estate information and financial goals. TAX & CASH FLOW: Income tax and spending analysis and planning for past, current and future years. COMPERIO may illustrate the impact of various investments on a client's current income tax and future tax liability. DEATH & DISABILITY: Cash needs at death, income needs of surviving dependents, estate planning and disability income analysis. RETIREMENT: Analysis of current strategies and investment plans to help the client achieve his or her retirement goals. INVESTMENTS: Analysis of investment alternatives and their effect on a client's portfolio. COMPERIO gathers required information through in-depth personal interviews. Information gathered includes a client's current financial status, future goals, and attitudes towards risk. Related documents supplied by the client are carefully reviewed, including a questionnaire completed by the client, and a written report may be prepared. Should a client choose to implement the recommendations contained in the plan, COMPERIO suggests the client work closely with his/her attorney, accountant, insurance agent, and/or stockbroker. Implementation of financial plan recommendations is entirely at the client's discretion.