Matthew is a published author, independent fiduciary, and internationally recognized authority on retirement plans and their associated fiduciary issues. In the capacity of independent plan fiduciary, Mr. Hutcheson has presided over hundreds of plans with hundreds of thousands of participants and with over 6 billion in assets. Matthew has testified before Congress several times on issues relating to 401k plans and particularly on 401k fees and economics. He is quoted by Bloomberg News, HR Magazine, Investor's Business Daily, American Business Journals and CFO Magazine. He has advised major U.S. corporations and not-for-profit pension plan sponsors. For more than fifteen years, Matthew's primary professional focus has been to help pension sponsors fulfill their duties to plan participants. Of particular interest to BrightScope is Matthew's extensive knowledge of 401k fees, both disclosed and hidden. The algorithms Matthew has developed with BrightScope will enable the company to become the leading expert on fees in the 401k marketplace.

Michael is a recognized leader in the Retirement Industry with over 20 years of experience in Financial Services, Consumer Products and Banking. He is now President of a media, marketing and communications firm focused on personal finance. Previously, Michael led the Retirement Group at Merrill Lynch, providing 401(k), IRA, Equity Award and Retirement Planning solutions to more than 39,000 businesses, 6 million individuals, and $440 billion of assets. Michael is actively involved in promoting savings and shaping retirement policy in the U.S. He has presented at numerous industry and government forums, including briefings with members of Congress, Treasury, the DOL and the IRS. He serves on the Executive Committee and as a Trustee of the Employee Benefit Research Institute (EBRI), a non-partisan, research based think-tank focused on retirement and healthcare. Michael is a strong advocate for increasing the utilization and performance of workplace savings programs as a key tool to help Americans build financial security for life.

Allan is a full Professor of Finance and serves as the Atkinson/Epstein Endowed Chair of Management Leadership at the UCSD Rady School of Management. Dr. Timmermann is a very productive and visible scholar in finance and applied econometrics. He serves as an associate editor on leading journals in finance, economics and forecasting. He uses a mix of theory, data and sophisticated econometric techniques to understand the behavior of financial markets. Of particular interest to BrightScope is Allan's research on mutual fund performance and the extent to which mutual fund "star" managers exist. Allan's research and knowledge of mutual funds and investment selection form the core of the company's analysis of 401k investment menus.

Yannis is a full Professor of Computer Science and Engineering at the University of California, San Diego. His research is on the intersection of database and web technologies. Yannis has published over seventy research articles in scientific conferences and journals, and served on journal editorial boards and program committees for numerous international conferences. In 2000 Yannis founded Enosys Software, which built one of the first generally available distributed XQuery processors, along with software for XML-based integration of distributed sources, and was sold in 2003 to BEA Systems. In 2006 Yannis founded app2you.com, a web service that allows anyone to build within minutes custom, interactive, database-driven applications. Yannis holds a Diploma of Electrical Engineering from the National Technical University of Athens and MS and Ph.D. degrees in Computer Science from Stanford University. Of particular interest to BrightScope is Yannis' extensive knowledge of database architecture and the ability to use collective intelligence to effectively leverage the company's data.

Larry is Managing Director and heads the west coast office of Steven Hall & Partners, a New York City based independent executive compensation consulting firm that serves as outside counsel to Boards, Compensation Committees and management. He brings a wealth of experience to BrightScope with over 25 years in compensation & benefits consulting and human resources management with both domestic and international companies in the biotechnology, high-technology, computer manufacturing, financial services, publishing, petroleum and consumer goods industry sectors. Larry has long held leadership roles including Vice President - Global Compensation, Benefits & HR Information Systems for Life Technologies Corp. and Vice President of Global Human Resources Operations for Dell Inc. His corporate experience also includes leadership roles with Xerox and Pepsi-Cola International after receiving his initial training at General Electric and Exxon Mobil. In addition, Mr. Robinson has served as Senior Consultant at Towers Perrin in executive compensation and benefits. A graduate of the University of Delaware with a Bachelor's degree in Business Administration, he received an M.B.A. from the University of Maryland.

Andy is the founder and chief education officer of VideoCreditScore.com which offers free video-based credit score lessons and product reviews to consumers and real estate professionals. Previously, Andy was the general manager and vice president for myFICO.com, the consumer division of FICO (formerly Fair Isaac Corp). He has been quoted in the Wall Street Journal, New York Times, Kiplinger, Washington Post, and MarketWatch. Prior to FICO, he worked for Apple, Hewlett Packard, and various startups, one of which he helped lead to an IPO. He earned his bachelor's degree at the University of Michigan, and his MBA degree at the Kellogg Graduate School of Business at Northwestern University. Andy lives in San Francisco with his wife Molly and their son Evan.

Bill is a Managing Director at RA Capital Advisors, a premier investment banking firm in San Diego. He heads the firm's defense industry team developing strategies for clients and executing all facets of M&A transactions and financings. Bill was previously a senior shareholder with a law firm, Klinedinst PC. During the 15 years that he practiced law, Bill worked with a broad variety of corporations throughout southern California, advising executives and business leaders on numerous issues involving their companies. Bill served as an artillery officer on active duty in the Army from 1983-1987, followed by a position commanding a firing battery in the Virginia National Guard. Bill was the Republican Party nominee for U.S. Congress, 53rd Congressional District, in 2002. He earned his bachelor's degree at Princeton University, and his law degree at the Marshall-Wythe School of Law at the College of William and Mary.

Elizabeth is the current President of the San Diego Society of Human Resource Management and is a senior professional at Lee Hecht Harrison in San Diego. Elizabeth brings a wealth of experience and knowledge to the BrightScope Team in the areas of human resource management and the challenges HR managers face in managing a 401k plan.