THE PARTICIPANT EXPERIENCE
The Participant Experience
Hover over each item to learn more.
New hires
Real Start DC newly eligible onboarding experience
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New plans
Real Start DC newly eligible onboarding experience
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Transitioning
Real Start DC transitioning onboarding experience
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Non-participant
DC participant not enrolled ongoing experience
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Engage
The 45 days leading up to eligibility date prepare the participant for what's next.
Our Real Start DC - Newly Eligible onboarding experience is educational.
Our Real Start DC - Newly Eligible onboarding experience is educational.
Communication experience
Principal welcome eligibility kit
with notices
Notice deliveries are sent to participants to introduce the retirement plan at Principal
- Delivered 60 days prior to effective date
- Directs participants to the Real Start experience on principal.com/welcome
- Variables for match/no match webinar links and auto-enrolled or not
- Paper notices available
Eligibility and Enrollment reminders
- Simple "get started" messaging that drive people to the Real Start experience on principal.com/welcome
- Email or postcard sent 10 days after notices
- Sent to all eligible employees, regardless of plan design
Eligibility and Enrollment reminders
- Simple reminder messaging that drive people to the Real Start experience on principal.com/welcome
- Email or postcard sent 10 days after "get started" messages/ 20 days after notices
- Variable match/no match enrollment webinar link
Eligibility and Enrollment reminders
- Simple reminder messaging that drive people to the Real Start experience on principal.com/welcome
- Email or postcard sent 10 days after first enrollment reminder messages/ 30 days after notices
- Variable match/no match enrollment webinar link
Digital experience
Mobile App
Principal® Real Start enrollment experience
Participants can choose to go through the enrollment experience on their mobile device via the Principal(R) mobile app
Enrollment webinar and MyVirtualCoach
By viewing the enrollment webinar, participants will learn how to set up their account, how much they may want to save, and how to get the answers to their questions
My Virtual Coach is a simple, interactive, and educational experience to help participants plan for retirement
My Virtual Coach is a simple, interactive, and educational experience to help participants plan for retirement
Principal website and Principal® Real Start
Enrollment experience in English and Spanish
Principal® Real Start is the guided enrollment experience that brings participants through the steps of onboarding
Account information page
First account page visit provides a guided tour
The first time participants visit their account page, they'll be brought on a guided tour of important aspects of their account.
Hola Futuro
Principal® Hola Futuro is our bicultural approach for Hispanic savers designed to fit both language needs and cultural values. It helps bring a better understanding of financial education to promote positive savings steps
principal.com
Principal.com offers articles, tools, and resources that can be utilized and accessed 24/7
Principal call center support
The dedicated call center support team is just a call away to answer any questions or concerns participants may have.
Elevate
Ongoing experience after onboarding
Ongoing education
Monthly intrigue theme campaigns with targeted segmentation and personalization
Principal Annual Education Program - Trigger and Targeted Campaigns
Account Security
Haven't logged in for 12 months
This email encourages participants to log in if they have not done so in the last 12 months.
- Sent to participants who have an account balance, are not in the Real Start participant onboarding experience, and have an email on file
- One email included for non-responders
Subscriptions
eNotices and eStatements
- 12 month reminder
Participants are encouraged to set up electronic delivery for their notices and statements
- Sent to participants who have yet to choose to have their statements and notices delivered electronically
Mobile app
And other acctount resource download 12m reminder
Annual message that encourages participants to download the mobile app.
- Sent to those who have yet to download the mobile app
Principal® Milestones
Haven't used for 12 months
Reminder email that is sent to participants to encourage them to use
Principal® Milestones
- Sent to participants who have not used Milestones in the past 12 months
Annual checkup
Annual email encourages participants to checkup on their retirement
- Either through My Virtual Coach checkup or a retirement planning webinar replay
- Sent to those who have not used My Virtual Coach checkup conversation or have viewed the webinar in the last 12 months
Annual deferral email
Annual deferral emails encourage participants to either max the match or consider contributing 10% of eligible pay. If available, participants can choose auto-increase option - One email sent to non-responders who received the first email but didn't increase their deferral in the last 12 months nor maxed out for the year
Investment choices campaign
Investment choice review campaign is coming in late 2020.
Beneficiary review
Participants are encouraged to provide or review their beneficiaries
- Sent annually to participants
- One follow up for non-responders
Retirement Income
Annual income preparation income
Email sent once participants reach age 55. We focus on topics that meet the needs of those as they prepare to enter retirement including investment risk tolerance, income options, Social Security, and Medicare
Expand
Ongoing education
Monthly intrigue theme campaigns with targeted segmentation and personalization
Principal Annual Education Program - Trigger and Targeted Campaigns
eMagazine
The monthly eMagazine is sent to participants to share content and educate on topics that are timely and relevant.
- Segmentation is broken down by age
Webinars
Monthly webinar invites are sent to participants based on targeted segmentation.
- Encourage participants to sign up and learn about the designated monthly topic
New hires
Real Start DC newly eligible onboarding experience
↓
New plans
Real Start DC newly eligible onboarding experience
↓
Transitioning
Real Start DC transitioning onboarding experience
↓
Non-participant
DC participant not enrolled ongoing experience
↓
Engage
The 45 days leading up to eligibility date prepare the participant for what's next.
Our Real Start DC - Newly Eligible onboarding experience is educational.
Our Real Start DC - Newly Eligible onboarding experience is educational.
Communication experience
Principal welcome transition
details with notices
Transition details with notices are sent to participants to inform them of the transition to Principal
- Delivered 30 days prior to blackout
- Directs participants to the Real Start experience on principal.com/welcome
- Variable links for My Virtual Coach
- Paper templates available
Eligibility and Enrollment reminders
- Simple "get started" messaging that drive people to the Real Start experience on principal.com/welcome
- Email or postcard sent 10 days after notices
- Sent to all eligible employees, regardless of plan design
Eligibility and Enrollment reminders
- Simple reminder messaging that drive people to the Real Start experience on principal.com/welcome
- Email or postcard sent 10 days after "get started" messages/ 20 days after notices
- Variable match/no match enrollment webinar link
Eligibility and Enrollment reminders
- Simple reminder messaging that drive people to the Real Start experience on principal.com/welcome
- Email or postcard sent 10 days after first enrollment reminder messages/ 30 days after notices
- Variable match/no match enrollment webinar link
Digital experience
Mobile App
Principal® Real Start enrollment experience
Participants can choose to go through the enrollment experience on their mobile device via the Principal(R) mobile app
Enrollment webinar and MyVirtualCoach
By viewing the enrollment webinar, participants will learn how to set up their account, how much they may want to save, and how to get the answers to their questions
My Virtual Coach is a simple, interactive, and educational experience to help participants plan for retirement
My Virtual Coach is a simple, interactive, and educational experience to help participants plan for retirement
Principal website and
Principal® Real Start
Enrollment experience in English and Spanish
Principal® Real Start is the guided enrollment experience that brings participants through the steps of onboarding
Account information page
First account page visit provides a guided tour
The first time participants visit their account page, they'll be brought on a guided tour of important aspects of their account.
Hola Futuro
Principal® Hola Futuro is our bicultural approach for Hispanic savers designed to fit both language needs and cultural values. It helps bring a better understanding of financial education to promote positive savings steps
principal.com
Principal.com offers articles, tools, and resources that can be utilized and accessed 24/7
Principal call center support
The dedicated call center support team is just a call away to answer any questions or concerns participants may have.
New hires
Real Start DC newly eligible onboarding experience
↓
New plans
Real Start DC newly eligible onboarding experience
↓
Transitioning
Real Start DC transitioning onboarding experience
↓
Non-participant
DC participant not enrolled ongoing experience
↓
Engage
The 45 days leading up to eligibility date prepare the participant for what's next.
Our Real Start DC - Newly Eligible onboarding experience is educational.
Our Real Start DC - Newly Eligible onboarding experience is educational.
Communication experience
Principal welcome eligibility kit
with notices
Transition details with notices are sent to participants to inform them of the transition to Principal
- Delivered 30 days prior to blackout
- Directs participants to the Real Start experience on principal.com/welcome
- Variable links for My Virtual Coach
- Paper templates available
Eligibility and Enrollment reminders
- Simple "get started" messaging that drive people to the Real Start experience on principal.com/welcome
- Email or postcard sent 10 days after notices
- Sent to all eligible employees, regardless of plan design
Eligibility and Enrollment reminders
- Simple reminder messaging that drive people to the Real Start experience on principal.com/welcome
- Email or postcard sent 10 days after "get started" messages/ 20 days after notices
- Variable match/no match enrollment webinar link
Eligibility and Enrollment reminders
- Simple reminder messaging that drive people to the Real Start experience on principal.com/welcome
- Email or postcard sent 10 days after first enrollment reminder messages/ 30 days after notices
- Variable match/no match enrollment webinar link
Digital experience
Mobile App
Principal® Real Start enrollment experience
Participants can choose to go through the enrollment experience on their mobile device via the Principal(R) mobile app
Enrollment webinar and MyVirtualCoach
By viewing the enrollment webinar, participants will learn how to set up their account, how much they may want to save, and how to get the answers to their questions
My Virtual Coach is a simple, interactive, and educational experience to help participants plan for retirement
My Virtual Coach is a simple, interactive, and educational experience to help participants plan for retirement
Principal website and Principal® Real Start
Enrollment experience in English and Spanish
Principal® Real Start is the guided enrollment experience that brings participants through the steps of onboarding
Account information page
First account page visit provides a guided tour
The first time participants visit their account page, they'll be brought on a guided tour of important aspects of their account.
Hola Futuro
Principal® Hola Futuro is our bicultural approach for Hispanic savers designed to fit both language needs and cultural values. It helps bring a better understanding of financial education to promote positive savings steps
principal.com
Principal.com offers articles, tools, and resources that can be utilized and accessed 24/7
Principal call center support
The dedicated call center support team is just a call away to answer any questions or concerns participants may have.
New hires
Real Start DC newly eligible onboarding experience
↓
New plans
Real Start DC newly eligible onboarding experience
↓
Transitioning
Real Start DC transitioning onboarding experience
↓
Non-participant
DC participant not enrolled ongoing experience
↓
Expand
Ongoing education - monthly targeted intrigue theme campaigns
Trigger and Targeted Campaings
Principal Annual Education Program
Monthly eMagazine
The monthly eMagazine is sent to participants to share content and educate on topics that are timely and relevant.
- Segmentation is broken down by age
Monthly webinars
Monthly webinar invites are sent to participants based on targeted segmentation.
- Encourage participants to sign up and learn about the designated monthly topic
Digital experience
Principal Annual Education Program
Principal site
Principal.com offers articles, tools, and resources that can be utilized and accessed 24/7
Hola Futuro
Transcreated online experience
Principal.com offers articles, tools, and resources that can be utilized and accessed 24/7
Principal® Milestones
Principal(R) Milestones is a participant's source for holistic financial wellness tools and resources.
Enrich can be accessed to help participants learn about creating budgets, find scholarships for school, and tips for repaying student loans
ARAG
Participants will also have access to will and other legal document preparation assistance from ARAG
Mobile App
Peronsal account information, quick answers and efficient transactions
Quickly access and check accounts - all while on the go via the mobile app
Webinars
Quickly access and check accounts - all while on the go via the mobile app
Engage
Ongoing experience after onboarding
Trigger and Targeted Campaigns
Principal Annual Education Program
Annual Enrollment reminder
Along with the monthly ongoing education
Email series encourages participants to enroll if they did not enroll during the inital eligibility period
- Two follow up emails for non-responders sent over the course of three weeks
Digital experience
Principal Annual Education Program
Online and mobile apps
Enrollment experience
Principal(R) Real Start is the guided enrollment experience that brings participants through the steps of onboarding - both on a computer or through a mobile device
Dedicated call center
The dedicated call center support team is just a call away to answer any questions or concerns participants may have.