Participant Data Specification — Sample XML Documents

• Participant Batch Enroll File – Multiple Participants
• Participant Batch Enroll File – Integrated Accounts
• Participant Batch OptOut File
• Real-time File for UI Experience
• Real-time Participant File – Participant with Termed Account Status
• Real-time Participant File – Different Fund Line Ups By Service Option
• Real-time Participant File – Participant with Immediate Fixed Annuity
• (Partial) Real-time Participant File – Participant with GMWB
• Real-time Call Center File
• Proposal File

Participant Batch Enroll File – Multiple Participants

<?xml version="1.0" encoding="UTF-8"?>
<!--Sample XML file generated by XML Spy v4.4 U (http://www.xmlspy.com)-->
<BatchParticipantInput TimeStamp="2001-12-17T09:30:47-05:00" FileType="1" xmlns="http://www.morningstar.com/retirement" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
	<ParticipantData>
		<Enroll ClientID="ABCD">
			<ParticipantInfo>
				<Participant UserID="999999999" FirstName="John" MiddleName="A" LastName="Doe" DOB="1950-08-13"Gender="M" MaritalStatus="1" Email="jdoe@xyz.com">
					<Addr>
						<Address1>225 W. Wacker</Address1>
						<Address2>ABC Company</Address2>
						<City>Chicago</City>
						<State>IL</State>
						<Zip>60606</Zip>
						<Country>USA</Country>
					</Addr>
					<SocialSecurity SSFlag="1"/>
				</Participant>
			</ParticipantInfo>
			<ParticipantPlanData>
				<Salary Amount="100000"/>
				<Pension Amount="60000" StartYear="2032-08-13"/>
				<InstAcct PlanID="J1234" PlanType="401K" CombLimit="100.0" Status="Active">
					<AccountBalance>
						<Port>
							<Security TransactionID="45645" Balance="5000" CurMin="0"CurMax="10000000" FutMax="100.0">
								<CusFundID>456456</CusFundID>
							</Security>
							<Security TransactionID="789789" Balance="6000" CurMin="0"CurMax="10000000" FutMax="100.0">
								<CusFundID>GUDSLKJ</CusFundID>
							</Security>
							<Security TransactionID="MSTARID1" Balance="1500" CurMin="1000"CurMax="1500" FutMax="100">
								<MorningstarID>SPUSA04JPX</MorningstarID>
							</Security>
						</Port>
					</AccountBalance>
					<BrkgBalance>
						<OverallBalance>9000</OverallBalance>
					</BrkgBalance>
					<PreTaxContri EnableSMART="false" SMARTProvided="false">
						<Default>
							<MaxContri>
								<Rate>25.0</Rate>
							</MaxContri>
							<CurContri>
								<Rate>6.0</Rate>
							</CurContri>
						</Default>
						<EmployerMatch DollarCap="1500" CompanyStockMatch="0.0">
							<ThreeTier>
								<Tier1>
									<Rate>100.0</Rate>
									<Perc>3.0</Perc>
								</Tier1>
								<Tier2>
									<Rate>50.0</Rate>
									<Perc>2.0</Perc>
								</Tier2>
								<Tier3>
									<Rate>25.0</Rate>
									<Perc>1.0</Perc>
								</Tier3>
							</ThreeTier>
						</EmployerMatch>
					</PreTaxContri>
					<PostTaxContri>
						<Default>
							<MaxContri>
								<Rate>30.0</Rate>
							</MaxContri>
							<CurContri>
								<Rate>4.0</Rate>
							</CurContri>
						</Default>
						<EmployerMatch DollarCap="2000">
							<ThreeTier>
								<Tier1>
									<Rate>100.0</Rate>
									<Perc>5.0</Perc>
								</Tier1>
								<Tier2>
									<Rate>30.0</Rate>
									<Perc>6.0</Perc>
								</Tier2>
							</ThreeTier>
						</EmployerMatch>
					</PostTaxContri>
					<Loan amount="50000"/>
					<Catchup50Years ContriDollar="2000"/>
				</InstAcct>
			</ParticipantPlanData>
		</Enroll>
	</ParticipantData>
	<ParticipantData>
		<Enroll ClientID="ABCD">
			<ParticipantInfo>
				<Participant UserID="456451236" FirstName="Jane" MiddleName="Barbara" LastName="Smith" DOB="1975-08-23" Gender="F">
				</Participant>
			</ParticipantInfo>
			<ParticipantPlanData>
				<Salary Amount="50000"/>
				<InstAcct PlanID="WXYZ" PlanType="401K" CombLimit="100.0" Status="Active">
					<AccountBalance>
						<Port>
							<Security TransactionID="54564" Balance="10000" FutContriPerc="50.0"CurMin="6000" CurMax="10000" FutMax="0.0">
								<CusFundID>58645</CusFundID>
							</Security>
							<Security TransactionID="48948" Balance="20000" CurMin="0" CurMax="10000000"FutMax="100.0">
								<CusFundID>4845</CusFundID>
							</Security>
						</Port>
					</AccountBalance>
					<PreTaxContri EnableSMART="true" SMARTProvided="true">
						<Default>
							<MaxContri>
								<Rate>100.0</Rate>
							</MaxContri>
							<CurContri>
								<Rate>3.0</Rate>
							</CurContri>
						</Default>
						<EmployerMatch DollarCap="5000" CompanyStockMatch="10.0">
							<ThreeTier>
								<Tier1>
									<Rate>100.0</Rate>
									<Perc>9.0</Perc>
								</Tier1>
								<Tier2>
									<Rate>50.0</Rate>
									<Perc>3.0</Perc>
								</Tier2>
								<Tier3>
									<Rate>30.0</Rate>
									<Perc>6.0</Perc>
								</Tier3>
							</ThreeTier>
						</EmployerMatch>
						<SMART Threshold="3.0" Contri="4.0" Contriinc="1.0" MaxLimit="10.0"/>
					</PreTaxContri>
				</InstAcct>
			</ParticipantPlanData>
		</Enroll>
	</ParticipantData>
</BatchParticipantInput>

Participant Batch Enroll File – Integrated Accounts

<?xml version="1.0" encoding="utf-8"?>
<BatchParticipantInput xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" TimeStamp="2016-05-06T10:48:36"FileType="1" xmlns="http://www.morningstar.com/retirement"xsi:schemaLocation="http://www.morningstar.com/retirement/BatchParticipantInput.xsd">
	<ParticipantData>
		<Enroll ClientID="DEVP50">
			<ParticipantInfo>
				<Participant UserID="TestUser" FirstName="WEFVYSYW" LastName="LESPMVF" DOB="1958-10-03"MaritalStatus="false" Email="SCSTestAccount@aol.com" TaxState="OH">
					<Addr>
						<Address1>Attn: Stech</Address1>
						<Address2>4150 Kinross Lakes Parkway</Address2>
						<City>Richfield</City>
						<State>OH</State>
						<Zip>44286</Zip>
						<Country>United States</Country>
					</Addr>
				</Participant>
			</ParticipantInfo>
			<ParticipantPlanData>
				<Salary Amount="131289.6" Freq="1"/>
				<InstAcct PlanID="CSTest123" PlanType="401K" Status="Active" EnableFutureElections="true"EnableContributionChanges="false" EnableRebalance="false">
					<AccountBalance>
						<Port>
							<Security Balance="135070.0439">
								<Ticker>DPDFX</Ticker>
								<Cusip>246248744</Cusip>
							</Security>
							<Security Balance="415955.97008">
								<Ticker>OGGAX</Ticker>
								<Cusip>4812C0399</Cusip>
							</Security>
							<Security Balance="87114.96487">
								<Ticker>PRRIX</Ticker>
								<Cusip>693391104</Cusip>
							</Security>
							<Security Balance="230163.48816">
								<Ticker>PTTRX</Ticker>
								<Cusip>693390700</Cusip>
							</Security>
							<Security Balance="170479.51765">
								<Ticker>MSFT</Ticker>
							</Security>
						</Port>
					</AccountBalance>
					<RothContri>
						<PreTaxDefault>
							<Default>
								<MaxContri>
									<Rate>25</Rate>
								</MaxContri>
								<CurContri>
									<Rate>20</Rate>
								</CurContri>
							</Default>
						</PreTaxDefault>
						<RothDefault>
							<Default>
								<MaxContri>
									<Rate>25</Rate>
								</MaxContri>
								<CurContri>
									<Rate>0</Rate>									</CurContri>
							</Default>
						</RothDefault>
					</RothContri>
					<Catchup50Years ContriRate="6">
						<PreTaxDefault>
							<Default>
								<MaxContri>
									<Rate>25</Rate>
								</MaxContri>
							</Default>
						</PreTaxDefault>
					</Catchup50Years>
				</InstAcct>
				<InstAcct PlanID="85_TestPlan" PlanType="457B" Status="Active" EnableFutureElections="true"EnableContributionChanges="false" EnableRebalance="false">
					<AccountBalance>
						<Port>
							<Security Balance="97251.07">
								<MorningstarID>F00000MJRV</MorningstarID>
							</Security>
							<Security Balance="197251.07392">
								<MorningstarID>FOUSA00CGI</MorningstarID>
							</Security>
							<Security Balance="57251.07392">
								<Ticker>GE</Ticker>
							</Security>
						</Port>
					</AccountBalance>
					<PreTaxContri>
						<Default>
							<MaxContri>
								<Rate>100</Rate>
							</MaxContri>
							<CurContri>
								<Rate>10</Rate>
							</CurContri>
						</Default>
					</PreTaxContri>
				</InstAcct>
			</ParticipantPlanData>
			<ParticipantEnrollInfo>
				<Plan PlanType="457B" PlanID="85_TestPlan"></Plan>
			</ParticipantEnrollInfo>
		</Enroll>
	</ParticipantData>
</BatchParticipantInput>

Participant Batch OptOut File

Opt out participants can either be sent in a separate Opt Out Participant batch file or they can be included in a non-quarterly participant batch file (file type=1) along with Enroll participants. Opt out participants should not be included in a quarterly participant batch file (file type=2).

<BatchParticipantInput TimeStamp="2001-12-17T09:30:47-05:00" FileType="1" xmlns="http://www.morningstar.com/retirement"xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"xsi:schemaLocation="http://www.morningstar.com/retirement://rmicas.morningstar.com/retirement/xmlschemas/BatchParticipantInput.xsd">
<!-- OPT OUT PPT "g12-8PMPMDwH58" -->
	<ParticipantData>
		<OptOut ClientID="DWHX6">
<ParticipantInfo UserID="2x12-14PMThursday" FirstName="METHODOLOGY" MiddleName="" LastName="ADDITINT3"/>
<ParticipantPlanData PlanID="ddwhFP1" PlanType="401K" TPAID="AABBCC"/>
</OptOut>
</ParticipantData>
</BatchParticipantInput>

Real-time File for UI Experience

<?xml version="1.0" encoding="UTF-8"?>
<!--Sample XML file generated by XML Spy v4.4 U (http://www.xmlspy.com)-->
<RTParticipantInput TimeStamp="2021-11-10T13:13:26" ReturnCode="0" xmlns="http://www.morningstar.com/retirement" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.morningstar.com/retirement">
	<ParticipantData ClientID="ABCD">
		<ParticipantInfo>
			<Participant UserID="123456789" UID="999999999" FirstName="Joe" LastName="Smith" DOB="1950-08-13" Gender="M"Email="jdoe@ddd.com">
				<SocialSecurity SSFlag="0"/>
			</Participant>
		</ParticipantInfo>
		<ParticipantPlanData>
			<Salary Amount="100000"/>
			<Pension Amount="10000000" StartYear="2031-01-01"/>
			<InstAcct PlanID="000000" PlanType="401K" CombLimit="100.0" CombDollarCap="7000" Status="Active">
				<AccountBalance>
					<Port>
						<Security TransactionID="PPPPPP" Balance="6500" FutContriPerc="25.0" CurMin="3500"CurMax="50000" FutMax="100.0">
							<CusFundID>2323233</CusFundID>
						</Security>
						<Security TransactionID="QQQQQ" Balance="75000" FutContriPerc="0.0" CurMin="0"CurMax="10000000" FutMax="100.0">
							<CusFundID>128128128</CusFundID>
						</Security>
						<Security TransactionID="MSTARID1" Balance="1500" CurMin="1000" CurMax="1500"FutMax="100">
							<MorningstarID>SPUSA04JPX</MorningstarID>
						</Security>
					</Port>
				</AccountBalance>
				<BrkgBalance>
					<OverallBalance>3600</OverallBalance>
				</BrkgBalance>
				<PreTaxContri EnableSMART="false" SMARTProvided="false">
					<Default>
						<MaxContri>
							<Rate>50.0</Rate>
						</MaxContri>
						<CurContri>
							<Rate>6.0</Rate>
						</CurContri>
					</Default>
					<EmployerMatch DollarCap="1500">
						<ThreeTier>
							<Tier1>
								<Rate>80.0</Rate>
								<Perc>6.0</Perc>
							</Tier1>
						</ThreeTier>
					</EmployerMatch>
				</PreTaxContri>
			
				<PostTaxContri>
					<Default>
						<MaxContri>
							<Rate>25.0</Rate>
						</MaxContri>
						<CurContri>
							<Rate>1.0</Rate>
						</CurContri>
					</Default>
					<EmployerMatch DollarCap="1600">
						<ThreeTier>
							<Tier1>
								<Rate>100.0</Rate>
								<Perc>2.0</Perc>
							</Tier1>
							<Tier2>
								<Rate>50.0</Rate>
								<Perc>3.0</Perc>
							</Tier2>
							<Tier3>
								<Rate>25.0</Rate>
								<Perc>2.0</Perc>
							</Tier3>
						</ThreeTier>
					</EmployerMatch>
				</PostTaxContri>
				<Loan amount="2000" EndDate="2006-08-13"/>
				<Catchup50Years ContriDollar="1000"/>
			</InstAcct>
			<InstAcct PlanID="JJJJJJJ" PlanType="401K" Status="Active">
				<AccountBalance>
					<Port>
						<Security TransactionID="123456" Balance="10000" FutContriPerc="100.0" CurMin="0"CurMax="10000000" FutMax="100.0">
							<CusFundID>55555</CusFundID>
						</Security>
					</Port>
				</AccountBalance>
				<PreTaxContri EnableSMART="false" SMARTProvided="true">
					<Default>
						<MaxContri>
							<Rate>50.0</Rate>
						</MaxContri>
						<CurContri>
							<Rate>10.0</Rate>
						</CurContri>
					</Default>
					<EmployerMatch DollarCap="1000">
						<ThreeTier>
							<Tier1>
								<Rate>100.0</Rate>
								<Perc>5.0</Perc>
							</Tier1>
						</ThreeTier>
					</EmployerMatch>
				</PreTaxContri>
			</InstAcct>
		</ParticipantPlanData>
	</ParticipantData>
</RTParticipantInput>

Real-time Participant File – Participant with Termed Account Status

Note that the values sent for contribution-related fields would be disregarded since this account has a Status of “Termed".

<!-- edited with XMLSPY v2004 rel. 3 U (http://www.xmlspy.com) by Ingrid Indrisavitri (private) -->
<RTParticipantInput TimeStamp="2001-12-17T09:30:47-05:00" ReturnCode="0" xmlns="http://www.morningstar.com/retirement"xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.morningstar.com/retirement
V:\SHARE\CF_IMPLEMENT\XSD\RealTimeParticipantInput.xsd">
	<ParticipantData ClientID="DEVP20" xmlns="http://www.morningstar.com/retirement" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
		<ParticipantInfo>
			<Participant UserID="123445589" FirstName="Jane" MiddleName="Anne" LastName="Taylor" DOB="1956-01-01"Gender="F" MaritalStatus="0" Email="jane@abc.com">
				<Addr>
					<Address1>3561 Finch Avenue East</Address1>
					<Address2>Apt. 206</Address2>
					<Address3>Station B</Address3>
					<City>South Bend</City>
					<State>Indiana</State>
					<Zip>46617</Zip>
					<Country>USA</Country>
				</Addr>
			</Participant>
		</ParticipantInfo>
		<ParticipantPlanData ConsiderPartner="1">
			<Salary Amount="100000" Freq="1"/>
			<InstAcct PlanID="FPLAN1" TPAID="" PlanType="401K" AccountID="1111" CombLimit="100" Status="Termed"  >
				<AccountBalance>
					<Port>
						<Security TransactionID="HACAX" Balance="50000" FutContriPerc="100">
							<CusFundID>HACAX</CusFundID>
						</Security>
						<Security Balance="5000" TransactionID="MSFT">
						<Ticker>MSFT</Ticker>
							</Security>
					</Port>
				</AccountBalance>
				<PreTaxContri EnableSMART="false" SMARTProvided="false">
					<Default>
						<MaxContri>
							<Rate>30</Rate>
						</MaxContri>
						<CurContri>
							<Rate>15.5</Rate>
						</CurContri>
					</Default>
					<EmployerMatch CompanyStockMatch="6">
						<EmployerContri>1</EmployerContri>
					</EmployerMatch>
				</PreTaxContri>
				<PostTaxContri>
					<Default>
						<MaxContri>
							<Rate>30</Rate>
						</MaxContri>
						<CurContri>
							<Rate>1</Rate>
						</CurContri>
					</Default>
				</PostTaxContri>
				<Catchup50Years ContriDollar="1000" Length="2"> </Catchup50Years>
				<CatchupLast3Years ContriRate="1" Length="2"></CatchupLast3Years>
			</InstAcct>
		</ParticipantPlanData>
	</ParticipantData>
</RTParticipantInput>

Real-time Participant File – Different Fund Line Ups By Service Option

<?xml version="1.0" standalone="yes"?>
<!-- edited with XMLSPY v2004 rel. 3 U (http://www.xmlspy.com) by Ethel Marie Restificar (private) -->
<RTParticipantInput xmlns="http://www.morningstar.com/retirement" TimeStamp="2005-10-26T14:32:38.7831535-04:00" ReturnCode="0"xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"xsi:schemaLocation="http://www.morningstar.com/retirement:\SHARE\CF_IMPLEMENT\XSD\RealTimeParticipantInput.xsd">
	<ParticipantData ClientID="DEVCLIENT">
		<ParticipantInfo>
			<Participant UserID="TESTUSER" FirstName="DAVID" LastName="TEST" DOB="1952-04-21">
				<Addr>
					<Address1>225 TEST LANE</Address1>
					<Address2/>
					<City>HARTFORD</City>
					<State>CT</State>
					<Zip>12345</Zip>
					<Country/>
				</Addr>
			</Participant>
		</ParticipantInfo>
		<ParticipantPlanData ConsiderPartner="false">
			<InstAcct PlanID="TESTPLAN" PlanType="401K" Status="Active">
				<AccountBalance>
					<Port>
						<Security TransactionID="81111R767" Balance="0" FutContriPerc="0">
							<Cusip>81111R767</Cusip>
						</Security>
						<Security TransactionID="378947501" Balance="0" FutContriPerc="0">
							<Cusip>378947501</Cusip>
						</Security>
						<Security TransactionID="81116P832" Balance="0" FutContriPerc="0">
							<Cusip>81116P832</Cusip>
						</Security>
						<Security TransactionID="460965825" Balance="0" FutContriPerc="0">
							<Cusip>460965825</Cusip>
						</Security>
						<Security TransactionID="81111Y606" Balance="0" FutContriPerc="0">
							<Cusip>81111Y606</Cusip>
						</Security>
						<Security TransactionID="81124F107" Balance="10000" FutContriPerc="0">
							<CusFundID>81124F107</CusFundID>
						</Security>
						<Security TransactionID="888888888" Balance="0" FutContriPerc="0">
							<CusFundID>888888888</CusFundID>
						</Security>
						<Security TransactionID="018918185" Balance="0" FutContriPerc="0">
							<Cusip>018918185</Cusip>
						</Security>
						<Security TransactionID="779547207" Balance="0" FutContriPerc="0">
							<Cusip>779547207</Cusip>
						</Security>
						<Security TransactionID="81111R767_MBM" Balance="40139.22" FutContriPerc="100">
							<CusFundID>81111R767_MBM</CusFundID>
						</Security>
						<Security TransactionID="378947501_MBM" Balance="0" FutContriPerc="0">
							<CusFundID>378947501_MBM</CusFundID>
						</Security>
						<Security TransactionID="81116P832_MBM" Balance="0" FutContriPerc="0">
							<CusFundID>81116P832_MBM</CusFundID>
						</Security>
						<Security TransactionID="460965825_MBM" Balance="0" FutContriPerc="0">
							<CusFundID>460965825_MBM</CusFundID>
						</Security>
						<Security TransactionID="81111Y606_MBM" Balance="0" FutContriPerc="0">
							<CusFundID>81111Y606_MBM</CusFundID>
						</Security>
						<Security TransactionID="018918185_MBM" Balance="0" FutContriPerc="0">
							<CusFundID>018918185_MBM</CusFundID>
						</Security>
						<Security TransactionID="779547207_MBM" Balance="0" FutContriPerc="0">
							<CusFundID>779547207_MBM</CusFundID>
						</Security>
					</Port>
				</AccountBalance>
			</InstAcct>
		</ParticipantPlanData>
	</ParticipantData>
</RTParticipantInput>

Real-time Participant File – Participant with Immediate Fixed Annuity

<RTParticipantInput TimeStamp="2001-12-17T09:30:47-05:00" ReturnCode="0" xmlns="http://www.morningstar.com/retirement"xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.morningstar.com/retirement http://rmicas.morningstar.com/retirement/xmlschemas/RealTimeParticipantInput.xsd">
	<ParticipantData ClientID="DEVP51" xmlns="http://www.morningstar.com/retirement" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance">
		<ParticipantInfo>
			<Participant UserID="0302MC94_910a" FirstName="METHODOLOGY" MiddleName="Over80"LastName="PARTNERNODATA" DOB="1925-01-01" Gender="M" MaritalStatus="1" Email="TEST@yahoo.com">
				<Addr>
					<Address1>3561 Finch Avenue East</Address1>
					<Address2>Apt. 206</Address2>
					<Address3>Station B</Address3>
					<City>Scarborough</City>
					<State>Ontario</State>
					<Zip>12345</Zip>
					<Country>USA</Country>
				</Addr>
			</Participant>
		</ParticipantInfo>
		<ParticipantPlanData>
			<InstAcct PlanID="ANNUITY1" PlanType="401K" AccountID="demo" CombLimit="50">
				<AccountBalance>
					<Port>
						<Security TransactionID="TESTHACAX" Balance="150000" FutContriPerc="100">
							<CusFundID>TESTHACAX</CusFundID>
						</Security>
					</Port>
				</AccountBalance>
				<PreTaxContri EnableSMART="false" SMARTProvided="false">
					<Default>
						<MaxContri>
							<Rate>30</Rate>
						</MaxContri>
						<CurContri>
							<Rate>13</Rate>
						</CurContri>
					</Default>
					<EmployerMatch>
						<ThreeTier>
							<Tier1>
								<Rate>7</Rate>
								<Perc>100</Perc>
							</Tier1>
						</ThreeTier>
					</EmployerMatch>
					<SMART/>
				</PreTaxContri>
			</InstAcct>
			<Annuity>
				<AnnuityInfo AnnuityID="103" AnnuityType="1" AmountAvailableForPurchase="75000">
					<AnnuityDetail AnnuityIncome="1200" IncomeFrequency="1" PercOfPortfolio="10"/>
					<AnnuityDetail AnnuityIncome="2400" IncomeFrequency="1" PercOfPortfolio="20"/>
					<AnnuityDetail AnnuityIncome="3600" IncomeFrequency="1" PercOfPortfolio="30"/>
					<AnnuityDetail AnnuityIncome="4800" IncomeFrequency="1" PercOfPortfolio="40"/>
					<AnnuityDetail AnnuityIncome="6000" IncomeFrequency="1" PercOfPortfolio="50"/>
				</AnnuityInfo>
			</Annuity>
		</ParticipantPlanData>
	</ParticipantData>
</RTParticipantInput>

(Partial) Real-time Participant File – Participant with GMWB

<ParticipantInfo>
	<Participant UserID="TESTUSERID9999" FirstName="John" MiddleName="Michael" LastName="Doe" DOB="1954-01-01" Gender="M" MaritalStatus="1"Email="ms@morningstar.com" IsRetired="false" TaxState="CA">
		<Addr>
			<Address1>3561 Finch Avenue East</Address1>
			<Address2>Apt. 206</Address2>
			<Address3/>
			<City>Scarborough</City>
			<State>CA</State>
			<Zip>94501</Zip>
			<Country>USA</Country>
		</Addr>
	</Participant>
</ParticipantInfo>
<ParticipantPlanData ConsiderPartner="1">
	<Salary Amount="28000" Freq="1"/>
	<InstAcct PlanID="401KPLAN1" TPAID="" PlanType="401K">
		<AccountBalance>
			<Port>
				<Security TransactionID="HACAX" Balance="25000" PreTaxPerc="50" RothPerc=”50”  >
					<Ticker>HACAX</Ticker>
				</Security>
			</Port>
		</AccountBalance>
		<AnnuityBalance ContractID="ABC123" LockIn="false" PaymentStartYear="2020" WithdrawPercent="4" BenefitBase="200000" RiderContinuesforSpouse="F" >
			<Port>
				<Security TransactionID="BalancedFund" Balance="10000" PreTaxPerc="100">
					<MorningstarID>BalancedFund_9999</MorningstarID>
				</Security>
			</Port>
		</AnnuityBalance>

Real-time Call Center File

<?xml version="1.0" encoding="UTF-8"?>
<!--Sample XML file generated by XML Spy v4.4 U (http://www.xmlspy.com)-->
<CCParticipantInput TimeStamp="2021-11-10T13:13:26" ReturnCode="0" xmlns="http://www.morningstar.com/retirement" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.morningstar.com/retirement">
	<ParticipantData ClientID="ASDF">
		<ParticipantInfo>
			<Participant UserID="777777777" FirstName="James" LastName="Knowles" DOB="1967-08-13">
				<Addr>
					<Address1>6 First Street</Address1>
					<City>Anywhere</City>
					<State>IL</State>
					<Zip>00000-0000</Zip>
					<Country>USA</Country>
				</Addr>
			</Participant>
		</ParticipantInfo>
		<ParticipantPlanData>
			<Salary Amount="90000"/>
			<Pension Amount="20000" StartYear="2034-08-13"/>
			<InstAcct PlanID="55555" PlanType="401K" Status="Active">
				<AccountBalance>
					<Port>
						<Security TransactionID="55555" Balance="60000" FutContriPerc="100.0" CurMin="0"CurMax="10000000" FutMax="100.0">
							<CusFundID>55555</CusFundID>
						</Security>
						<Security TransactionID="66666" Balance="40000" FutContriPerc="0.0" CurMin="40000"CurMax="10000000" FutMax="100.0">
							<CusFundID>66666</CusFundID>
						</Security>
						<Security TransactionID="MSTARID1" Balance="1500" CurMin="1000" CurMax="1500"FutMax="100">
							<MorningstarID>SPUSA04JPX</MorningstarID>
						</Security>
					</Port>
				</AccountBalance>
				<PreTaxContri EnableSMART="false" SMARTProvided="false">
					<Default>
						<MaxContri>
							<Rate>100.0</Rate>
						</MaxContri>
						<CurContri>
							<Rate>50.0</Rate>
						</CurContri>
					</Default>
					<EmployerMatch DollarCap="6000" CompanyStockMatch="10.0">
						<ThreeTier>
							<Tier1>
								<Rate>100.0</Rate>
								<Perc>5.0</Perc>
							</Tier1>
						</ThreeTier>
					</EmployerMatch>
				</PreTaxContri>
			</InstAcct>
		</ParticipantPlanData>
	</ParticipantData>
</CCParticipantInput>

Proposal File

<?xml version="1.0" encoding="UTF-8"?>
<!--Sample XML file generated by XML Spy v4.4 U (http://www.xmlspy.com)-->
<STParticipantInput TimeStamp="2021-11-10T13:13:26" ReturnCode="0" xmlns="http://www.morningstar.com/retirement" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xsi:schemaLocation="http://www.morningstar.com/retirement">
	<ParticipantData ClientID="WXYZ">
		<ParticipantInfo>
			<Participant UserID="666666666" FirstName="John" LastName="Wayne" DOB="1945-08-13">
				<Addr>
					<Address1>225 W. Wacker Drive</Address1>
					<City>Chicago</City>
					<State>IL</State>
					<Zip>60606-0000</Zip>
					<Country>USA</Country>
				</Addr>
				<SocialSecurity SSFlag="1"/>
			</Participant>
		</ParticipantInfo>
		<ParticipantPlanData>
			<Salary Amount="25000"/>
			<Pension Amount="30000" StartYear="2015-08-13"/>
			<InstAcct PlanID="JJJJJJ" PlanType="401K" Status="Active">
				<AccountBalance>
					<Port>
						<Security TransactionID="444444" Balance="10000" FutContriPerc="6.0" CurMin="0"CurMax="10000000" FutMax="100.0">
							<CusFundID>444444</CusFundID>
						</Security>
						<Security TransactionID="555555" Balance="60000" FutContriPerc="94.0" CurMin="0"CurMax="10000000" FutMax="100.0">
							<CusFundID>555555</CusFundID>
						</Security>
						<Security TransactionID="MSTARID1" Balance="1500" CurMin="1000" CurMax="1500"FutMax="100">
							<MorningstarID>SPUSA04JPX</MorningstarID>
						</Security>
					</Port>
				</AccountBalance>
				<BrkgBalance>
					<OverallBalance>3000</OverallBalance>
				</BrkgBalance>
				<PreTaxContri EnableSMART="true" SMARTProvided="true">
					<Default>
						<MaxContri>
							<Rate>50.0</Rate>
						</MaxContri>
						<CurContri>
							<Rate>10.0</Rate>
						</CurContri>
					</Default>
					<EmployerMatch DollarCap="1500" CompanyStockMatch="30.0">
						<ThreeTier>
							<Tier1>
								<Rate>75.0</Rate>
								<Perc>6.0</Perc>
							</Tier1>
							<Tier2>
								<Rate>50.0</Rate>
								<Perc>3.0</Perc>
							</Tier2>
						</ThreeTier>
					</EmployerMatch>
					<SMART Threshold="4.0" Contri="6.0" Contriinc="2.0" MaxLimit="11.0"/>
				</PreTaxContri>
				<PostTaxContri>
					<Default>
						<MaxContri>
							<Rate>60.0</Rate>
						</MaxContri>
						<CurContri>
							<Rate>2.0</Rate>
						</CurContri>
					</Default>
					<EmployerMatch DollarCap="2000">
						<ThreeTier>
							<Tier1>
								<Rate>60.0</Rate>
								<Perc>1.0</Perc>
							</Tier1>
						</ThreeTier>
					</EmployerMatch>
				</PostTaxContri>
				<Catchup50Years ContriDollar="500"/>
			</InstAcct>
		</ParticipantPlanData>
	</ParticipantData>
	<ParticipantData ClientID="OUPI">
		<ParticipantInfo>
			<Participant UserID="333333333" FirstName="Scott" LastName="Jones" DOB="1980-08-13" Gender="M">
				<Addr>
					<Address1>1 Main Street</Address1>
					<City>Springfield</City>
					<State>OH</State>
					<Zip>12345</Zip>
					<Country>USA</Country>
				</Addr>
			</Participant>
		</ParticipantInfo>
		<ParticipantPlanData>
			<Salary Amount="65000"/>
			<InstAcct PlanID="HHHHHHH" PlanType="401K" Status="Active">
				<AccountBalance>
					<Port>
						<Security TransactionID="55555" Balance="10000000" FutContriPerc="100.0" CurMin="0"CurMax="10000000" FutMax="100.0">
							<CusFundID>55555</CusFundID>
						</Security>
					</Port>
				</AccountBalance>
				<PreTaxContri EnableSMART="false" SMARTProvided="false">
					<Default>
						<MaxContri>
							<Rate>100.0</Rate>
						</MaxContri>
						<CurContri>
							<Rate>6.0</Rate>
						</CurContri>
					</Default>
					<EmployerMatch DollarCap="9000" CompanyStockMatch="80.0">
						<ThreeTier>
							<Tier1>
								<Rate>100.0</Rate>
								<Perc>5.0</Perc>
							</Tier1>
						</ThreeTier>
					</EmployerMatch>
				</PreTaxContri>
			</InstAcct>
		</ParticipantPlanData>
	</ParticipantData>
</STParticipantInput>