"Retirement services providers must build a bridge between behavior and engagement. At MassMutual, our behavioral communications platform provides just such a bridge," says Sheridan. "MassMutual has committed significant resources to ongoing research and analysis of participant behavior and preferences. The research suggests that a mix of plan design changes and behavioral communications can help put participants on the path to a secure retirement. As a result, we are creating more personalized statements, educational tools, and interactive experiences that are more meaningful," he adds.

"MassMutual is developing participant communications that complement the natural tendencies, attitudes and preferences of retirement savers," explains Salka. "Through the delivery of personalized, relevant information at a variety of touch points, education is interactive and engaging and messages are consistent and easy to act upon."

Registered users of MassMutual's plan sponsor and adviser Web sites may view or download a copy at www.massmutual.com/retire. To request a free printed copy, please contact your MassMutual retirement services professional or call (800) 767-1000, ext. 47820.

About MassMutual
MassMutual's Retirement Services Division has been serving retirement plans for nearly 60 years. MassMutual offers a full range of products and services for corporate, union, nonprofit and governmental employers' defined benefit, defined contribution and nonqualified deferred compensation plans. The division serves more than one million participants.

MassMutual Financial Group is the fleet name for Massachusetts Mutual Life Insurance Company (MassMutual) [of which Retirement Services is a division) and its affiliates, with more than 13 million clients and over $395 billion in assets under management at year-end 2005.

Founded in 1851, MassMutual is a mutually owned financial protection, accumulation and income management company headquartered in Springfield, Mass. We are a premier provider of life insurance, annuities, disability income insurance, long term care insurance, retirement planning products, income management and other products and services for individuals, business owners, and corporate and institutional markets.

MassMutual's affiliates include OppenheimerFunds, Inc.; Babson Capital Management LLC; Baring Asset Management Limited; Cornerstone Real Estate Advisers LLC; MML Investors Services, Inc., member FINRA and SiPC (www.finra.org www.sipc.org); The MassMutual Trust Company, FSB; MML Bay State Life Insurance Company; C.M. Life Insurance Company; and MassMutual International, Inc.

©2006 Massachusetts Mutual Life Insurance Company (MassMutual) and affiliates, Springfield, MA 01111-0001. All rights reserved. Securities offered through registered representatives of MML Investors Services, Inc., a MassMutual subsidiary.