Abstract: A computer-implemented method executed by at least one processor includes steps of communicating over a computer network a plurality of inputs to a pension risk transfer pricing service, the plurality of inputs including pension plan census data, applying by the pension risk transfer pricing service a computer-implemented pension risk transfer model for generating pension risk transfer pricing, and providing through the pension risk transfer pricing service a user interface for interacting with a user by communicating the pension risk transfer pricing and investments to the user and the user interface configured such that the user is able to strike the pension risk transfer at the pension risk transfer pricing.

Abstract: A method, system, and process for predicting growth for group benefits usage where data is received at a processor of a computing device and from at least one external data source connected over a communications network with the computing device, data for populating one or more of the set of variables for each of the plurality of companies. The method includes receiving at the processor of the computing device and from at least one internal data source in operative communication with the computing device, data for populating one more additional variable within the set of variables for each of the plurality of companies and executing the instructions for implementing the scoring model to apply the scoring model to evaluate the plurality of companies using the processor of the computing device in order to generate the single score indicative of growth for each of the plurality of companies.

Abstract: Some embodiments include an employee benefits enrollment server system and method including operations that when executed by a computing device process and display an employee diagnosis survey with employee questions related to the employee's thoughts or attitudes to saving, insurance, investing and their financial future. The operations include accessing a diagnostics server including attributes related to financial psychology and/or behavioral economics and assigning an attribute to the employee. The operations can include displaying personalized benefits based on a profile of the employee determined by the diagnostics server based on at least one employee response to the at least one diagnostic survey and at least one of the attributes.

Abstract: The present invention discloses methods of managing workflow. One aspect of the present invention includes receiving work at a first location, determining identifying information associated with the work, building a request based on a type of the work to be completed, at least partially completing the request, and submitting the request for processing. Another aspect of the invention provides for assigning the work to workers in more than one geographical location. A further aspect of the invention provides for monitoring the location or progress of the work. Another aspect of the invention provides for monitoring of those who perform the work.

Abstract: A retirement savings calculator for computing a deferral percentage needed to replace income at retirement age. One embodiment includes a sleeve having an open end and a plurality of windows. An insert is slidably inserted into the open end of the sleeve. The retirement savings calculator calculates a savings ratio based on savings and income. A deferral percentage is calculated based on the savings ratio, current age, and replacement income percentage. In another embodiment, the deferral percentage is calculated in software. The retirement savings calculator can be used to promote savings in a retirement plan.

Abstract: The present invention involves a system, method, and apparatus for applet caching. The method includes requesting a web page from a server, the web page including an applet tag identifying a first applet for execution; executing the first applet in response to receiving the web page; and determining if a second applet is cached locally based on the execution of the first applet. The present invention also includes a method of applet loading on a client having the steps of requesting a web page from a server, the web page including a cache check to be executed by the client and determining if an applet is cached locally based on the execution of the cache check. The invention further includes a system and apparatus for client caching.

Abstract: A system and method for enrolling participants in a retirement plan simplifies election decisions necessary to enroll in the retirement plan and encourages retirement savings through use of the retirement plan. An enrollment form is provided to participants, the enrollment form includes a convenience election option whereby if the participant selects the convenience election option then does not specify the allocation of investments into funds. The enrollment form is processed and if the convenience election option is selected the participants contributions are allocated into funds based on the expected retirement age of the participant.

Abstract: A system and method for encouraging or promoting proper and/or informed use of group retirement plans is disclosed. In one aspect, the present invention is used to identify the need for changes in plan use or administration and provide appropriate solutions for encouraging or promoting the changes. An assessment tool is used to collect information regarding characteristics associated with group retirement plan. Based on this assessment, areas in need of change are identified, and areas in need of change and appropriate solutions are prioritized.

Abstract: A method for providing home financing is disclosed. The method includes providing a retirement plan to a participant, marketing a home loan program to the participant, receiving a request for a home loan from the participant, and using salary information and balance information associated with the retirement plan to approve a home loan for the participant without requiring separate verification of salary and retirement plan balance information. A system for home financing is also disclosed. The system includes a retirement plan providing unit for providing an employer sponsored retirement plan having a participant, a home financing unit for providing home financing loans, and means for sharing information between the retirement plan providing unit and the home financing unit to verify proof of employment, income, and assets for the participant for approving a home financing loan through information associated with the employer sponsored retirement plan.