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It is an easy method of paying plan expenses. However, under this method plan participants may not share equally in the cost of
Total Fees
the plan. Those with higher balances and those using higher revenue sharing funds can be more highly impacted.
of revenue sharing increases the cost of the fund and reduces the performance of the fund.
Revenue sharing is a portion of the fund expense which is sent to the plan to help the plan pay plan expenses.
Revenue Sharing
Employees do not see or know how much revenue sharing they pay in each fund
Management Fee
investment management Paid to Plan for plan services or Retained by mutual fund company for paid to broker 1.58% 1.10% 0.48% 1.56% 1.10% 0.46% 1.12% 0.65% 0.47% 0.81% 0.35% 0.46% 0.51% 0.05% 0.46% 0.46% 0.00% 0.46% 19 © 2022 Innovest Portfolio Solutions, LLC
Revenue Sharing from Funds –when utilized to pay plan expenses
Fund Manager Costs: Share Classes

Understanding Fiduciary Responsibilities
Growth R1 Growth R2 Growth R3 Growth R4 Growth R5 Growth R6

Higher percentages Example of Share Classes and Fees Fund Name / Share Class American Funds EuroPacific American Funds EuroPacific American Funds EuroPacific American Funds EuroPacific American Funds EuroPacific American Funds EuroPacific

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