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MASSACHUSETTS MUTUAL LIFE INSURANCE COMPANY
Defined Benefit and Defined Contribution

Recordkeeping Operations System

Information Processing

The Company has established and implemented General Information Technology Controls applicable to
DB and DC Recordkeeping computer systems. These are described in the Defined Benefit and Defined
Contribution Recordkeeping Operations General Information Technology Controls System SOC 1 Report
®
available to clients of MassMutual and their auditors.
PRS, PAS, CAS DB and DC Recordkeeping Systems Overview

Below lists MassMutual’s key business applications supporting its internally developed MassMutual PRS,
PAS and CAS DB and DC recordkeeping system that are hosted at the Company's Springfield,
Massachusetts Data Center. Matrix is an externally hosted system at Matrix Financial Solutions
Advantage/LVAdmin (LVAdmin): Performs individual benefit calculations for DB participants.
LVAdmin is a Windows based application.

Proprietary Recordkeeping System (PRS): Maintains DC records on a plan and participant level;
accounts for contributions received by MassMutual; receives Net Asset Value (NAV) information
from the Consolidation and Routing System (CaRS); and sends summary DC, contract, and plan
level data to the Case Accounting System (CAS). While PRS is not used for DB recordkeeping, it
should be noted that PRS is used to support limited DB functions such as providing Plan Sponsor
fund information for web access, Compliance Testing and Reporting Service (CTRS) statement
creation and Plan Sponsor fee disclosure. PRS is a client server application and is operated on
an HP/UNIX server.
Case Accounting System (CAS): The primary DB recordkeeping system. Maintains DB records
and tracks investments and contributions on a plan and contract level; reports daily financial
activity; processes reserves and periodic payments; receives summary DC contract and plan
level data from PRS and receives periodic payment expense and reserve information from PAS.
CAS is operated in a Windows environment with some supporting functions operated in a Unix
environment.

Matrix: For newly onboarded plans Matrix is a registered digitally enabled investment platform
available for servicing Qualified & Non-Qualified DB contracts offering a wide range of investment
services. Matrix Trust Company is an externally hosted system at Matrix Financial Solutions.
Participant Accounting System (PAS): DB only. Maintains individual retiree pension accounts;
calculates reserves, benefits and taxes; sends daily electronic fund transfers to banks; and sends
periodic payment, expense and reserve information to CAS. PAS is operated on an IBM AIX
environment.
Fundlinx: Collects NAVs, unit values and portfolio investments for group annuity and direct mutual
fund investments; receives distribution rates, NAVs, trades from the recordkeeping system and
action items from the National Securities Clearing Corporation (NSCC); and transmits daily trades
to the NSCC and to Mutual Fund companies. Fundlinx is a vendor built application operated in
the Windows environment.
Automated phone system: Provides DC and DB plan participants with confidential access to
account information from any touch-tone telephone, 7x24x365 access. The automated phone
system is operated on a Voice Response Unit (VRU) system which is on a vendor platform,
inContact. The automated phone system is used to direct participants to a call center employee in
order to obtain account balances, change investment elections, initiate investment transfers,
process enrollments, obtain investment performance data and request loans (if applicable to the

MassMutual Defined Benefit and Defined Description of the System Provided by
Contribution Recordkeeping Operations System MassMutual
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