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What are they saying about the CSD-RT?
What do you like most about the Trust?
Looking for a single vendor program to simplify administration. Very impressed with the
transparency of fees in the CSD program. Low rate and transparency of fees compared to other
programs/vendors. Ease of administration. Resources regarding trends etc. in 403 market place
available at the asking from VALIC, CSD as well as CBIZ
Joel Cracchiolo
Meramec Valley R-III
What do you like most about the Trust?
We like the way the Trust is structured with its low administrative fees and the variety of
investment opportunities. In addition, we like having one advisor working with our employees.
Having one advisor for our plan gives our employees a sense of security. Our advisor is in our
district every few months checking on and meeting with our employees and the Director of
Personnel to ensure everyone is content with their plans. All of our employees who
participated in plans prior to the CSD Trust opened new accounts and a majority transferred
existing funds to their Trust accounts. When Gasconade County R-2 Schools joined the Trust,
we had 19 people participating in a 403/457(b) plan. We now have 50 employees investing in
403(b)/457(b) plans through the CSD Retirement Trust. Another positive is the advisor is an
employee of the Trust and is not receiving commission off our employees 403/457(b) plan.
Chuck Garner
Gasconade County R-2
What do you like most about the Trust?
The School District of Washington has been part of the CSD Retirement Trust since it began in
January, 2010. We joined the trust for two major reasons. First, we always strive to provide our
employees with the best possible benefit package. After much research, we felt the CSD
Retirement Trust gave our employees the best option to enhance their retirement. As part of
that research, we found that some employees were unknowingly being charged hidden fees.
Some employees who were investing small amounts ($10 per month) were being charged so
much in fees that they would never see a return on their investment. Because of the reduced
fees and a great fund lineup, the CSD Retirement Trust gives our employees the best
opportunity to maximize the return on their investment. Second, the administrative burden has
been drastically reduced. Prior to joining the CSD Trust, our human resource and finance
departments were continually trying to correct recordkeeping and paperwork problems with
multiple providers. Those issues have now been eliminated and we are also much more
comfortable knowing we are in compliance with government requirements. Some employees
who had developed good relationships with specific advisors and understandably they had
concerns about the single provider format. The CSD Trust was very helpful in providing
information we could use to help us educate our employees. The single biggest selling point we