ERISA 408(b)(2) Fee Disclosure Guide

This document is a guide that provides information about fees and compensation related to services offered by Ameriprise Financial Services, LLC to retirement plans. It aims to comply with the Department of Labor regulation under section 408(b)(2) of the Employee Retirement Income Security Act of 1974 (ERISA). The guide is intended for plan fiduciaries responsible for selecting service providers for their plans. It outlines the variability of fees based on factors such as contributions, account duration, investment selections, and trading frequency. The document also details the indirect fees paid to financial advisors and subcontractors and references additional documents for further information on services and fees. Furthermore, it describes the general services provided by Ameriprise Financial, including investment products and recordkeeping services, and clarifies the fiduciary status of the firm under applicable laws. It emphasizes the responsibility of plan sponsors to ensure compliance with ERISA requirements.