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Reports - 2020.11.19 - 33729
PLANSUMMARYOakland County Retirement PlansPresentedby: Stephanie Biddle, Vice President, Key AccountsAs Of: September 30, 2020 Report contains information up through the last business day of end period.For Plan Sponsor or Consultant Use Only Section I: Oakland County 401(A) Employees Retirement SystemPlan Summary – 940070Section II: Oakland County 457(b) Deferred Compensation PlanPlan Summary – 940080Section III: Oakland County 457(b) PTNE PlanPlan Summary – 940090Section IV: Forfeiture AccountSection V: Suspense AccountSection VI: Service Standards GuaranteesSection VII: Monthly Activity Report – Q3 2020Table Of ContentsOakland County Retirement PlansFor Plan Sponsor or Consultant Use Only 2 Section I:Oakland County 401(A) Employees RetirementSystem, Plan Summary – 940070Oakland County 401(A) Employees Retirement SystemFor Plan Sponsor or Consultant Use Only 3 Plan Summary and Benchmark TrendsOakland County 401(A) Employees Retirement SystemFor Plan Sponsor or Consultant Use Only 4 Oakland County 401(A) Employees Retirement SystemFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Historical Plan Statistics*Includes RolloversHistorical Plan Statistics6/30/20207/31/20208/31/20209/30/20206/30/20207/31/20208/31/20209/30/2020Total Participants Balances$664,923,007$694,247,170$726,305,394$712,167,000Contributions*$2,626,674$2,434,859$2,581,130$2,474,671Distributions*($2,263,128)($2,190,243)($2,065,695)($1,657,124)Cash Flow$363,546$244,616$515,435$817,547Account BalancesAverage Participant Balance$125,221$130,891$137,168$134,422Participation / DeferralsParticipation Rate12.8%13.1%13.2%13.3%Average Contribution Rate (%)4.6%4.6%4.6%4.6%Total Participants with a Balance5,3105,3045,2955,298Asset Allocation% of Plan Assets in Stable Value10.7%10.4%10.0%10.6%% of Plan Assets for GoalMaker Participants17.7%17.7%17.6%17.8%Participation Rate in GoalMaker11.1%11.1%11.1%11.1%Number of Participants in GoalMaker588588589590Number of Participants in One Fund1,4361,4361,4391,449Number of Participants in Four or More Funds1,9591,9651,9591,957DistributionsTotal Number of All Withdrawals*170182189183 Termination$1,750,104$1,261,654$1,163,465$827,324 Hardship$0$0$0$0 In Service$6,415$26,858$456,606$238,486 Coronavirus-Related Withdrawal$0$0$0$0 Subtotal of Termination, Hardship, Inservice, Coronavirus-Related Withdrawal$1,756,519$1,288,512$1,620,071$1,065,811Amount of Distributions Representing Rollovers$1,530,772$1,033,412$1,025,972$683,797% of Assets Distributed*0.3%0.3%0.3%0.2%LoansNumber of New Loans22283334Number of Outstanding Active Loans1,0581,0611,0701,083Average Loan Balance$7,372$7,429$7,496$7,5645 Oakland County 401(A) Employees Retirement SystemFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Plan SummaryPlan Demographics Summary6/30/2020 4/1/20204/1/2020-6/30/20207/1/2020-9/30/2020Total Participants* 5,310 5,298 Active Participants 3,574 3,554 Terminated Participants 1,611 1,621 Other Participants** 122 120 Multiple Status Participants*** 3 3Average Participant Balance $125,221 $134,422 Average Account Balance for Active Participants $143,296 $154,663Median Participant Balance $43,899 $48,236 Median Participant Balance for Active Participants $68,520 $74,982Participants Age 50 and Over 2,382 2,405 Total Assets for Participants Age 50 and Over $429,562,059 $462,658,414Total (Contributions + Rollovers In) $9,621,762 $7,490,660 Employee Contributions $2,800,147 $2,208,627 Employer Contributions $6,786,121 $5,096,870 Rollovers In $35,493 $185,164Total Distributions ($5,404,594) ($5,913,062)Percentage of Assets Distributed 0.8% 0.8%Market Value Gain / Loss**** $92,525,928 $45,851,558Total Participant Balances $664,923,007 $712,167,000*** Participant(s) with an account balance greater than $0 in more than one participant status category (e.g. Active status in one subplan but Terminated status in another subplan).****This is not the equivalent of a plan level return on investment due to the timing of additions, distributions and underlying investment performance. *Participant(s) with an account balance greater than $0. **Participant(s) who are not active, terminated or suspended, but have an account balance greater than $0 (e.g. break-in-service, rehire, etc.). Rollovers In is the total dollars credited to participant accounts within the period defined that originated in other qualified retirement plan accounts.6 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 401(A) Employees Retirement SystemPlan SummaryPlan FeaturesGoalMaker6/30/2020 9/30/2020Plan Assets for Participants in GoalMaker $117,469,719 $126,511,855% of Plan Assets for GoalMaker Participants17.7% 17.8%# of Participants in GoalMaker588590 Participation Rate in GoalMaker11.1% 11.1% Prudential % of Participants in GoalMaker - As of 12/31/2019IncomeFlex6/30/2020 9/30/2020% of Plan Assets Invested in IncomeFlex Funds for IncomeFlex Participants49.6% 52.6%# of Participants in IncomeFlex101102 Participation Rate in IncomeFlex1.9%1.9%Prudential % of Participants in IncomeFlex - As of 12/31/2019Stable Value6/30/2020 9/30/2020Participation Rate in Stable Value24.9% 24.9%% of Plan Assets in Stable Value10.7% 10.6%Prudential % of Plan Assets in Stable Value - As of 12/31/201952.3%7.3%22.1%Participant Activity Call Center4/1/2020 - 6/30/20207/1/2020 - 9/30/2020Total Call Volume408 471Loans4/1/2020 - 6/30/20207/1/2020 - 9/30/2020Amount of New Loans Taken $487,441 $1,137,901# of New Loans46 95# of Outstanding Active Loans 1,058 1,083% of Participants have Outstanding Active Loans 10.8% 10.9%Prudential % of Participants have Outstanding Active Loans - As of 12/31/201913.6%Transaction SummaryTransactions4/1/2020 - 6/30/20207/1/2020 - 9/30/2020Total Enrollees*2628 Contribution Rate Increases for Active Participants**3340 Contribution Rate Decreases for Active Participants**1424Total Contribution Rate Changes**4764Number of Participants with Transfers1,402154Loan Initiations4695Distributions485554**Sum of month over month contribution rate (% and $) changes are for active participants during the reporting period. This excludes any terminations, enrollments or auto enrollments(if applicable on the plan) during the respective months in which contribution rate changes occurred.*Number of participants that w ere enrolled into the plan w ithin the reporting period. This can include those individuals w ho self enrolled or auto enrolled, if applicable on the plan. Rehires may not be included if their original enrollment date falls outside the reporting period.7 For Plan Sponsor or Consultant Use OnlyPlan SummaryOakland County 401(A) Employees Retirement SystemBenchmark Trends – Plan FeaturesPlan FeaturesYour PlanPrudential Book ofBusinessIndustryAverage*Plan Sponsor Survey 2019**Plan Sponsor Survey 2020***GoalMaker®Yes67.0%0.0%NANAInvestment Options43.013.525.324.922.9IncomeFlex®Yes25.3%13.3%9.9%9.2%LoansYes63.5%74.4%91.6%82.0%Plan Allows Catch-Up Contributions (Administered Through Prudential)No48.1%NANANA **2019 Annual Survey, 2019 (Overall) ***2020 Annual Survey, 2020 (Overall) *Annual Survey, 2020 (Industry Specific Results) – Government Municipal This information should not be considered an offer or solicitation of securities, insurance products or services. No offer is intended nor should this material be construed as an offer of any product. The information is being presented by us solely in our role as the plan’s service provider and/or record keeper.© 2020 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide.Prudential’s Book of Business averages are as of 12/31/2019External Benchmark Source: PLANSPONSOR Defined Contribution Annual Survey 8 For Plan Sponsor or Consultant Use OnlyPlan SummaryOakland County 401(A) Employees Retirement SystemBenchmark Trends – Participant BehaviorPlan FeaturesYour PlanPrudential Book ofBusinessIndustryAverage*Plan Sponsor Survey 2019**Plan Sponsor Survey 2020***Average Account Balance$134,422$73,876$89,180$102,586$103,108Median Account Balance$48,236$70,895$67,239$77,204$79,970% of Plan Assets in Stable Value10.6%22.1%0.0%NANAAverage # of Funds Held4.75.36.75.56.3% of 55+ Participants Utilizing IncomeFlex®4.3%9.5%0.0%NANA% of Participants Utilizing GoalMaker®11.1%52.3%0.0%NANA% of Participants have Outstanding Active Loans10.9%13.6%18.3%13.5%14.2%Average Loan Balance$7,564$7,754$9,939$10,257$10,121 **2019 Annual Survey, 2019 (Overall) ***2020 Annual Survey, 2020 (Overall)Prudential’s Book of Business averages are as of 12/31/2019External Benchmark Source: PLANSPONSOR Defined Contribution Annual Survey *Annual Survey, 2020 (Industry Specific Results) – Government Municipal This information should not be considered an offer or solicitation of securities, insurance products or services. No offer is intended nor should this material be construed as an offer of any product. The information is being presented by us solely in our role as the plan’s service provider and/or record keeper.© 2020 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide.9 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 401(A) Employees Retirement SystemPlan SummaryAsset Allocation/Net Activity By AgeJuly 1, 2020 to September 30, 2020Less than 25 25-3435-4445-5455-6465+TotalTotal Participant Balances$825,734 $26,273,953 $104,575,450 $256,808,718 $185,276,467 $138,406,678 $712,167,000% Assets0.1%3.7%14.7%36.1%26.0%19.4%100.0%Average Contribution Rate ($)$0$0$0$0$62$0$62Average Contribution Rate (%)4.3%4.2%4.2%4.8%5.4%7.6%4.6%Prudential Avg. Contribution Rate (%) as of 12/31/20195.0%6.0%6.8%8.0%9.6%11.3%7.6% Contributions$109,570 $1,321,774 $1,745,051 $2,503,022 $1,312,403 $313,676 $7,305,497 Rollovers In*$0 $31,308 $51,653 $99,052$0$3,150 $185,164Total (Contributions + Rollovers In)$109,570 $1,353,083 $1,796,704 $2,602,074 $1,312,403 $316,826 $7,490,660 Cash Distributions$0 ($93,500) ($312,096) ($642,181) ($940,570) ($1,156,585) ($3,144,932) Rollovers Out$0 ($37,576) ($150,749) ($390,127) ($1,335,975) ($853,703) ($2,768,130)Total (Cash Distributions + Rollovers Out)$0 ($131,076) ($462,845) ($1,032,309) ($2,276,544) ($2,010,288) ($5,913,062)Net Activity$109,570 $1,222,006 $1,333,860 $1,569,766 ($964,141) ($1,693,462) $1,577,599Total Participants**999221,1491,4521,0566225,300Average Account Balance$8,341 $28,497 $91,014 $176,866 $175,451 $222,519 $134,371Prudential Avg. Account Balance as of 12/31/2019$3,645 $16,118 $46,246 $89,262 $123,641 $125,460$73,876Median Account Balance$5,802 $21,073 $51,581 $118,876 $75,101 $66,295$48,236Prudential Median Account Balance as of 12/31/2019$4,531 $11,969 $31,729 $52,216 $78,108 $116,384$70,895High Balance$52,403 $219,870 $738,223 $1,226,679 $1,336,291 $2,876,396Low Balance$6$108$72$44$145$1,273*Rollovers In is the total dollars credited to participant accounts w ithin the period defined that originated in other qualified retirement plan accounts.**Total column for participant count is a sum of participants across each age group. E.g. If a participant has both a main account and beneficiary account w ithin different age groups (decedent's date of birth), that participant will be counted twice.Average Balance By Years of Service as of September 30, 2020Years of Service0-5 6-10 11-15 16-20 21-25 26-30 31-35 36-40 41-45 46-50 51-55 56-60Average Account Balance* $24,115 $65,751 $117,222 $198,568 $281,502 $356,503 $365,605 $498,889 $564,629 $716,936 $0 $2,876,396* Active Employees10 Retirement ReadinessOakland County 401(A) Employees Retirement SystemFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.11 IncomeFlex ParticipationFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 401(A) Employees Retirement SystemPlan SummaryAs Of 9/30/2020<=44 45-54 55-64 65+ Grand TotalParticipants Enrolled in IncomeFlex 9 21 37 35 102IncomeFlex AssetsAs of 9/30/2020, the participants invested in IncomeFlex have 52.6% of their total plan assets in these funds, with an average balance of $195,697.IncomeFlex UtilizationDuring the period of 7/1/2020 to 9/30/2020, the IncomeFlex participation rate was 1.9%.12 Plan ActivityOakland County 401(A) Employees Retirement SystemFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.13 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.INVESTMENT OPTIONS4/1/2020 - 6/30/2020 % 7/1/2020 - 9/30/2020 %Change%TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS$733,7917.7%$556,5927.6%($177,198) -24.1%TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS$688,7927.2%$526,3547.2%($162,438) -23.6%TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS$665,3596.9%$503,7736.9%($161,587) -24.3%TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS$677,1227.1%$500,4636.9%($176,660) -26.1%TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS$581,3076.1%$442,5346.1%($138,773) -23.9%TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS$545,1265.7%$417,1825.7%($127,944) -23.5%GUARANTEED INCOME FUND$493,2995.2%$368,6155.1%($124,684) -25.3%FIDELITY GROWTH COMPANY K6 FUND$311,0883.3%$356,7914.9%$45,70314.7%JPMORGAN EQUITY INCOME FUND CLASS R5$447,5254.7%$340,9004.7%($106,625) -23.8%TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS$429,6814.5%$327,6404.5%($102,041) -23.7%TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS$431,8044.5%$317,7544.4%($114,051) -26.4%MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3$394,3004.1%$301,5754.1%($92,725) -23.5%LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND$332,8113.5%$259,7123.6%($73,100) -22.0%FIDELITY 500 INDEX FUND$326,4613.4%$255,6733.5%($70,788) -21.7%T. ROWE PRICE NEW HORIZONS FUND$291,9923.1%$240,6443.3%($51,349)-17.6%PGIM TOTAL RETURN BOND FUND -CLASS Z$268,8772.8%$207,6092.8%($61,268) -22.8%EATON VANCE ATLANTA CAPITAL SMID-CAP FUND CLASS A$238,7232.5%$172,0722.4%($66,651) -27.9%TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS$224,2572.3%$162,2842.2%($61,973) -27.6%TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS$174,0591.8%$127,4681.7%($46,591) -26.8%FIDELITY EMERGING MARKETS INDEX FUND$156,1521.6%$119,2641.6%($36,888) -23.6%VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A$127,9731.3%$97,4791.3%($30,495) -23.8%FIDELITY SMALL CAP INDEX FUND$119,9111.3%$90,7341.2%($29,177) -24.3%FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I$116,4371.2%$87,0351.2%($29,402) -25.3%BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A$96,3181.0%$76,3341.0%($19,983) -20.7%AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E$95,9591.0%$73,2071.0%($22,752) -23.7%AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5$77,6910.8%$62,7940.9%($14,897) -19.2%TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS$61,6180.6%$47,7320.7%($13,886) -22.5%PIMCO INCOME FUND CLASS A$52,7200.6%$41,0160.6%($11,704) -22.2%FIDELITY PURITAN FUND$40,2940.4%$33,6550.5%($6,639) -16.5%COHEN & STEERS REALTY SHARES FUND CLASS L$42,7310.5%$30,2380.4%($12,493) -29.2%PGIM HIGH YIELD FUND- CLASS Z$36,9570.4%$27,3830.4%($9,574) -25.9%PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND$33,9270.4%$24,7170.3%($9,211) -27.1%FIDELITY MID CAP INDEX FUND$33,1190.4%$24,0520.3%($9,067) -27.4%FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND$26,2430.3%$21,9420.3%($4,300) -16.4%FIDELITY INTERNATIONAL INDEX FUND$27,3880.3%$20,4020.3%($6,986)-25.5%DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS$19,5200.2%$15,0170.2%($4,503) -23.1%BNY MELLON NATURAL RESOURCES FUND CLASS I$13,3710.1%$10,2600.1%($3,111) -23.3%TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS$8,1890.1%$5,6640.1%($2,525) -30.8%GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS$5,7960.1%$4,0590.1%($1,737) -30.0%COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS$3,4780.0%$2,7130.0%($766) -22.0%COLUMBIA INCOME BUILDER FUND ADVISOR CLASS$3,3210.0%$2,1980.0%($1,122) -33.8%VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL$8150.0%$1,9700.0%$1,155141.7%FIDELITY GROWTH COMPANY$129,9661.4%$00.0%($129,966) -100.0%Total Assets Contributed$9,586,269100.0%$7,305,497100.0%($2,280,772) -23.8%Contributions by FundOakland County 401(A) Employees Retirement SystemPlan Summary14 INVESTMENT OPTIONSINOUTNETGUARANTEED INCOME FUND$5,868,439 ($1,821,018) $4,047,422PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND$1,602,519($21,053) $1,581,466FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND$1,161,268 ($250,200) $911,068FIDELITY PURITAN FUND$604,884 ($136,002) $468,883T. ROWE PRICE NEW HORIZONS FUND$1,001,343 ($561,754) $439,589TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS$570,371($251,770) $318,600SELF DIRECTED BROKERAGE ACCOUNT$438,520 ($169,621) $268,899DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS$263,428($15,743) $247,686VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL$215,916($232) $215,683TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS$466,106($291,307) $174,799PIMCO INCOME FUND CLASS A$583,802 ($423,749) $160,053FIDELITY GROWTH COMPANY K6 FUND$1,871,157 ($1,789,863)$81,295BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A$120,197($81,834)$38,363TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS$26,451$0$26,451TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS$55,351($33,567)$21,784COLUMBIA INCOME BUILDER FUND ADVISOR CLASS$0($3,016)($3,016)BNY MELLON NATURAL RESOURCES FUND CLASS I$11,820($20,529)($8,709)GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS$0($15,380)($15,380)FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I$88,923 ($132,089)($43,167)FIDELITY INTERNATIONAL INDEX FUND$6,508($51,167)($44,659)VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A$116,796 ($171,524)($54,728)TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS$6,356($65,458)($59,102)FIDELITY EMERGING MARKETS INDEX FUND$134,950 ($224,939)($89,989)TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS$50,797 ($151,388) ($100,591)FIDELITY MID CAP INDEX FUND$152,540 ($253,492) ($100,952)AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5$116,278 ($269,700)($153,422)TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS$174,992($332,914) ($157,922)TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS$51,353 ($211,529) ($160,176)PGIM HIGH YIELD FUND- CLASS Z$102,632 ($328,508) ($225,876)MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3$366,374 ($617,061) ($250,687)COHEN & STEERS REALTY SHARES FUND CLASS L$2,162 ($290,546) ($288,383)TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS$0 ($318,876) ($318,876)TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS$9,492 ($350,002) ($340,509)AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E$269,959 ($633,254) ($363,295)FIDELITY SMALL CAP INDEX FUND$162,705 ($531,535) ($368,829)PGIM TOTAL RETURN BOND FUND -CLASS Z$531,864 ($1,158,868) ($627,005)JPMORGAN EQUITY INCOME FUND CLASS R5$278,011 ($1,040,915) ($762,904)LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND$1,324,513 ($2,148,227) ($823,714)TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS$0 ($981,531) ($981,531)EATON VANCE ATLANTA CAPITAL SMID-CAP FUND CLASS A$77,243 ($1,275,341) ($1,198,098)FIDELITY 500 INDEX FUND$288,722 ($1,749,241) ($1,460,519)TOTAL$19,174,744 ($19,174,744)$07/1/2020 to 9/30/2020For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Plan SummaryOakland County 401(A) Employees Retirement SystemInterfund Transfers15 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Participant Distribution StatisticsOakland County 401(A) Employees Retirement SystemPlan SummaryTotalAmount of Withdrawals Taken4/1/2020 - 7/1/2020 -4/1/2020 - 7/1/2020 -Distribution Type6/30/2020 9/30/2020 Change % Change 6/30/2020 9/30/2020 Change % ChangeTermination$4,032,414 $3,252,443 ($779,971)-19%881162832%Installment Payment$979,519 $1,024,944 $45,4255%373394216%In-Service Withdrawal$217,951 $721,950 $503,999231%7169129%Death Distribution$138,774 $526,248 $387,473279%1216433%QDRO$35,936 $385,205 $349,269972%5105100%Required Minimum Distribution$0$2,272 $2,272n/a022n/aGrand Total$5,404,594 $5,913,062 $508,4689%4855546914%# of WithdrawalsTermination - A withdraw al that is taken when the participant is active and terminating from employment or is already in a 'Terminated' status.Installment Payment - An Installment distribution is a payment option that disburses funds over time (i.e. monthly, quarterly, yearly).In-Service Withdrawal - A distribution that is taken while the participant is still active, before termination from employment.Death Distribution - Distribution taken by a beneficiary. This could include required minimum distributions, installment payments, etc.QDRO - Distribution taken by the recipient of a QDRO. This could include required minimum distributions, installment payments, etc.Required Minimum Distribution - Minimum amounts that a participant must withdraw annually upon reaching a certain age or retirement. This would exclude any beneficiary or QDRO accounts.Distribution Sub-TypeAge < 50 Age >= 50 TotalAge < 50 Age >= 50 TotalRollover$237,125 $2,531,004 $2,768,13071421Cash$498,533 $2,646,399 $3,144,93236497533Grand Total$735,658 $5,177,403 $5,913,06243511554Amount of Withdrawals Taken# of Withdrawals7/1/2020 - 9/30/202016 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Rollover Distributions StatisticsOakland County 401(A) Employees Retirement SystemPlan SummaryRollover InstitutionRollover Distribution Amount# of PptsRollover InstitutionRollover Distribution Amount# of PptsRollover InstitutionRollover Distribution Amount# of PptsRollover InstitutionRollover Distribution Amount# of PptsCharles Schwab$1,056,208 2 RBC Capital Markets$2,126,729 1 Merrill Lynch$833,886 2 NFS$726,786 2TD Ameritrade$684,057 2 Morgan Stanley$807,491 1 TD Ameritrade$748,522 2 Fidelity$440,393 2JP Morgan$657,105 4 Fidelity$196,424 2 Raymond James$551,066 1 Raymond James$416,874 2RBC Capital Markets$293,329 1 Hilltop Securities$130,134 1 Charles Schwab$304,829 1 New York Life$341,327 1Raymond James$164,525 3 Security Benefit$96,329 1 Fidelity$258,779 4 Charles Schwab$271,087 2Russell Family Solo 401k Plan $159,739 1 Ameriprise$93,227 1 Cetera Financial$172,665 1 Edward Jones$144,001 2NFS$102,676 1 Prudential$38,659 3 Prudential$145,278 3 Merrill Lynch$97,767 2TIAA$77,310 1 Charles Schwab$33,840 1 Ameriprise$127,772 2 Morgan Stanley$86,008 1Fidelity$64,284 3 Merrill Lynch$19,222 1 Midland National $81,055 1 TSP$64,636 1American Equity$50,000 1 TTE Jabil 401k$17,011 1 Thrift Savings Plan$75,330 1 Flagstar Bank$54,487 1Thrift Savings Plan$41,323 2 Vanguard$11,824 2 Principal$68,381 1 Financial Trust Co$46,438 1Capital Bank & Trust$39,476 1 TIAA$11,520 2 Pershing$26,757 1 Principal$45,870 1Great West$23,029 1 Thrift Savings Plan$8,527 1 NFS$23,551 2 PNC Bank$24,949 1AEIF$20,133 1 Allianz$7,756 1 Total$3,417,870 22 Security Benefit$5,144 1Vanguard$13,900 1 Pershing$418 1Pershing$2,362 1State of Michigan 401k Plan $12,043 1 APEX Clearing$338 1Total$2,768,130 21Edward Jones$1,411 1 Nationwide$39 1Voya$938 1 Total$3,599,488 22Prudential$416 1Community Financial CU$362 1Total$3,462,263 3010/1/2019 - 12/31/20191/1/2020 - 3/31/20204/1/2020 - 6/30/20207/1/2020 - 9/30/202017 Loan ActivityFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 401(A) Employees Retirement SystemPlan SummaryLoan Utilization By Participant Age*Includes all participant statuses with balance > $0. <25 25-34 35-44 45-54 55-64 65+ OverallParticipants*99 922 1,149 1,452 1,056 622 5,300w/Loan4 57 177 208 104 29 5794.0%6.2%15.4%14.3%9.9%4.7%10.9%% of Participants With Withdrawal ActivityAs of 9/30/20207/1/2020 - 9/30/2020Average loan balance is $7,5641.7% initiated a new loanPrudential Book of Business Average is $7,754 as of 12/31/201910.9% of participants have outstanding active loans0.3% initiated In-Service Withdrawal13.6% Prudential Book of Business Average as of 12/31/201946.1% of participants with loans that have multiple loans28.6% Prudential Book of Business Average as of 12/31/201918 Participant Loan StatisticsFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Amount of Loans Taken # of Active LoansLoan Initiations4/1/2020-6/30/20207/1/2020-9/30/2020Change % Changeas of 6/30/2020as of 9/30/2020Change % ChangeGeneral Purpose$424,441 $1,126,029 $701,588165% 952980283%Residential$63,000 $11,872 ($51,128)(81%) 106103(3) (3%)Grand Total$487,441 $1,137,901 $650,460133% 1,058 1,083252%4/1/2020-6/30/20207/1/2020-9/30/2020# of Outstanding Active Loans1,058 1,083# of New Loans4695Average Loan Balance$7,372 $7,564Total Outstanding Loan Balance $7,799,479 $8,191,697Oakland County 401(A) Employees Retirement SystemPlan Summary# of Oustanding Active Loansas of 9/30/2020Participant Count1 3122133365435534Total5794/1/2020-6/30/20207/1/2020-9/30/2020# of Deemed Loans 3 7Total Deemed Principal Loan Balance $21,015 $66,534Loan CountTotal Loan Principal Due Amount Total Loan Interest Due Amount39$366,221.39$55,443.68CARES Loan Suspension Stats as of 9/30/202019 Participant Transaction StatisticsFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 401(A) Employees Retirement SystemPlan SummaryDefinitions:Unique Callers – The number of individuals that spoke to a Participant Service Center Representative during the reporting period (e.g., If thesame individual called five times during the reporting period, they would only be counted once). Total Call Volume – The number of calls to a Participant Service Center Representative during the reporting period (e.g., If the same individual called five times during the reporting period, they would be counted five times). 10/1/2019 - 12/31/20191/1/2020 - 3/31/20204/1/2020 - 6/30/20207/1/2020 - 9/30/2020Call CenterUnique Callers359367240281Total Call Volume606651408471Participant WebsiteUnique Web Logins2,1692,2781,8682,069Total Web Logins31,632 37,323 44,772 46,145Call Center Reason Category10/1/2019 - 12/31/20191/1/2020 - 3/31/20204/1/2020 - 6/30/20207/1/2020 - 9/30/2020Account Explanations1291349687Allocation Changes & Exchange2371712Contributions121149Disbursements242200106200Enrollments3846Forms616135Fund Information612126Hardships2231IFX0890IVR or Web Assistance2720108Loans108859186Other1217129Payment Questions0000Plan Explanations62024Regen Reg Letter0100Status of Research4313Tax Information12114Website Processing46562731Total60665140847120 Investment DiversificationOakland County 401(A) Employees Retirement SystemFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.21 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.0%10%20%30%40%50%60%70%80%90%100%Less than 25 25-3435-4445-5455-6465+Stable ValueFixed Inc-DomesticFixed Inc-Glbl / InternationalAllocationEquity - U.S. LargeEquity - U.S. Mid/SmallEquity - Glbl / InternationalAlternative / OtherLess than 25 25-34 35-44 45-54 55-64 65+ TotalParticipants Invested in Only One Fund 71 307 352 316 240 163 1,449Average # of Funds per Participant 2.2 3.1 4.0 5.9 5.6 4.6 4.7Prudential Participants Avg. # of Funds per Participant as of 12/31/2019 5.5 5.5 5.5 5.5 5.3 4.2 5.3% of Plan Assets in Stable Value 0.3% 0.8% 2.1% 5.4% 14.8% 22.7% 10.6%Prudential % of Plan Assets in Stable Value as of 12/31/2019 9.0% 8.2% 10.3% 14.8% 25.3% 41.4% 22.1%Assets by Asset Class and Age as of September 30, 2020Oakland County 401(A) Employees Retirement SystemPlan SummaryFund Utilization By Age as of September 30, 2020Asset AllocationAsset ClassYour Plan Assets as of 9/30/2020 Your Plan % as of 9/30/2020Stable Value $75,137,296 10.6%Fixed Inc-Domestic $46,838,655 6.6%Fixed Inc-Glbl / International $9,757,843 1.4%Allocation $258,794,950 36.3%Equity - U.S. Large $171,415,241 24.1%Equity - U.S. Mid/Small $73,361,769 10.3%Equity - Glbl / International $57,589,317 8.1%Alternative / Other $19,271,928 2.7%Total Participant Balances $712,167,000 100.0%22 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.The funds in boldtype denote inclusion in the GoalMaker®product.Oakland County 401(A) Employees Retirement SystemPlan SummaryUtilization by Fund as of September 30, 2020INVESTMENT OPTIONSBalance % Invested in Fund # of PptsPpts Using as Sole InvestmentGUARANTEED INCOME FUND$75,137,296 10.6% 1,319 103TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS$66,012,6469.3%921272LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND$57,120,2208.0%1,1805FIDELITY GROWTH COMPANY K6 FUND$42,328,0055.9%1,35613TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS$39,226,4575.5%772103JPMORGAN EQUITY INCOME FUND CLASS R5$38,376,0775.4%1,3841FIDELITY 500 INDEX FUND$33,278,1594.7%1,04714PGIM TOTAL RETURN BOND FUND -CLASS Z$31,657,3894.4%1,1250TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS$31,645,6144.4%54186MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3$30,905,6584.3%1,0231T. ROWE PRICE NEW HORIZONS FUND$23,317,0153.3%1,22319EATON VANCE ATLANTA CAPITAL SMID-CAP FUND CLASS A$22,414,9513.1%1,2830TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS$22,336,0303.1%56787TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS$20,688,6682.9%677115PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND$19,961,1162.8%10216TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS$19,870,7142.8%977136SELF DIRECTED BROKERAGE ACCOUNT$15,746,2442.2%894TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS$10,934,9521.5%30749FIDELITY SMALL CAP INDEX FUND$10,179,8191.4%4781BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A$9,757,8431.4%6270FIDELITY PURITAN FUND$9,749,4801.4%5427FIDELITY EMERGING MARKETS INDEX FUND$9,696,5951.4%9300VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A$8,906,4741.3%1,0570AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E$8,622,3811.2%8401TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS$7,691,7931.1%615111FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I$6,530,5820.9%9460TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS$6,219,1930.9%478159AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5$6,139,5680.9%3501PIMCO INCOME FUND CLASS A$5,568,8610.8%3030PGIM HIGH YIELD FUND- CLASS Z$4,198,1550.6%3230FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND$2,990,9830.4%1662COHEN & STEERS REALTY SHARES FUND CLASS L$2,911,6100.4%3152DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS$2,132,9850.3%2180TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS$2,061,0930.3%182121FIDELITY MID CAP INDEX FUND$2,012,9270.3%1230FIDELITY INTERNATIONAL INDEX FUND$1,748,1490.2%2160TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS$1,002,2390.1%8513COLUMBIA INCOME BUILDER FUND ADVISOR CLASS$853,7790.1%570BNY MELLON NATURAL RESOURCES FUND CLASS I$614,0750.1%1440TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS$541,1770.1%707GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS$476,9660.1%500VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL$312,7790.0%120COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS$290,2820.0%430Total$712,167,000100.0%023 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 401(A) Employees Retirement SystemPlan SummaryInvestment UtilizationDue to rounding, bar graph may not equal 100%24 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 401(A) Employees Retirement SystemPlan SummaryActive/Suspended Terminated Active/Suspended Terminated Active/Suspended TerminatedLess than 25300041825-34511915037935-445124084411845-54172595133221855-64241449630512865+5512116039Total59231632330715590Active/Suspended Terminated Active/Suspended Terminated Active/Suspended TerminatedLess than 25$16,397$0$0$0$43,121 $15,049 $74,56725-34$46,409 $17,902 $660,542 $4,091 $2,178,186 $37,123 $2,944,25235-44$204,487 $70,147 $4,241,127$0 $14,124,412 $217,812 $18,857,98445-54$3,992,408 $650,783 $14,793,412 $441,131 $35,308,880 $225,799 $55,412,41355-64$4,217,912 $2,230,075 $17,559,513 $1,551,891 $9,756,100 $369,385 $35,684,87665+$1,263,144 $1,524,965 $4,702,007 $4,190,172 $1,857,474$0 $13,537,762Total$9,740,757 $4,493,872 $41,956,602 $6,187,285 $63,268,172 $865,168 $126,511,855Conservative ModerateAggressiveConservative ModerateAggressiveParticipant Age RangeTotalTotalParticipant Age Rangeaverage contribution rate (%) for active 4.3%GoalMaker participants1.5 Yearsaverage length of time GoalMakerparticipants have been enrolled in GoalMakeractively elected GoalMaker11.1%GoalMaker participation rate for those whoGoalMaker® Participationas of 9/30/202012/31/2019 3/31/2020 6/30/2020 9/30/2020Plan Assets for Participants in GoalMaker $112,559,524 $100,304,219 $117,469,719 $126,511,855# of Participants in GoalMaker 560 577 588 590Participation Rate in GoalMaker 10.5% 10.8% 11.1% 11.1%% of Plan Assets for GoalMaker Participants 17.1% 17.7% 17.7% 17.8%Prudential Book of Business For Plans Offering GoalMaker – As of 12/31/2019The participation rate in GoalMaker is 52.3%.The percentage of plan assets for GoalMaker participants is 21.7%. Percentage of Assets by GoalMaker® Participation Portfolio - As of 9/30/202011.3%38.1%50.7%ConservativeModerateAggressiveDue to rounding, pie chart may not equal 100%25 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 401(A) Employees Retirement SystemPlan SummaryDefault Investor12/31/2019 3/31/2020 6/30/2020 9/30/2020Plan Assets for Participants in GoalMaker $0 $0 $0 $0# of Participants in GoalMaker 0 0 0 0 Participation Rate in GoalMaker0.0% 0.0% 0.0%0.0%% of Plan Assets for GoalMaker Participants0.0% 0.0% 0.0%0.0%Non-Default Investor12/31/2019 3/31/2020 6/30/2020 9/30/2020Plan Assets for Participants In GoalMaker $112,559,524 $100,304,219 $117,469,719 $126,511,855# of Participants in GoalMaker 560 577 588 590Participation Rate in GoalMaker 10.5% 10.8% 11.1% 11.1%% of Plan Assets for GoalMaker Participants 17.1% 17.7% 17.7% 17.8%Total12/31/2019 3/31/2020 6/30/2020 9/30/2020Plan Assets for Participants In GoalMaker $112,559,524 $100,304,219 $117,469,719 $126,511,855# of Participants in GoalMaker 560 577 588 590Participation Rate in GoalMaker 10.5% 10.8% 11.1% 11.1%% of Plan Assets for GoalMaker Participants 17.1% 17.7% 17.7% 17.8%Percentage of Assets byGoalMaker® Investor -As of 9/30/20200.0%100.0%Default InvestorNon-Default InvestorGoalMaker®Participation – Default vs Non-Default InvestorDue to rounding, pie chart may not equal 100%26 Plan SummaryOakland County 401(A) Employees Retirement SystemFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Asset ClassLess than 25 25-34 35-44 45-54 55-6465+TotalStable Value$2,100 $200,144 $2,245,957 $13,770,018 $27,477,468 $31,441,609 $75,137,296Fixed Inc-Domestic$2,683 $328,339 $3,524,129 $16,716,138 $17,189,839 $9,077,526 $46,838,655Fixed Inc-Glbl / International$772 $41,157 $464,537 $3,300,451 $4,118,942 $1,831,985 $9,757,843Allocation$567,027 $18,300,906 $49,973,333 $80,872,353 $63,882,847 $45,198,485 $258,794,950Equity - U.S. Large$116,883 $3,264,181 $22,957,137 $74,157,538 $40,258,053 $30,661,449 $171,415,241Equity - U.S. Mid/Small$98,721 $2,679,984 $13,004,156 $32,455,612 $15,527,529 $9,595,767 $73,361,769Equity - Glbl / International$37,548 $1,330,633 $9,762,361 $27,756,775 $12,301,631 $6,400,369 $57,589,317Alternative / Other$0 $128,609 $2,643,839 $7,779,833 $4,520,160 $4,199,488 $19,271,928Total Assets$825,734 $26,273,953 $104,575,450 $256,808,718 $185,276,467 $138,406,678 $712,167,000% of Assets0.1%3.7% 14.7% 36.1% 26.0% 19.4% 100.0% Active Participants79731826 1,099660162 3,557 Terminated Participants15179299332365433 1,623 Other Participants*51224213127120Total Participants**99922 1,149 1,452 1,056622 5,300Asset Allocation by Age Group as of September 30, 2020*Participant(s) who are not active, terminated or suspended, but have an account balance greater than $0 (e.g. break-in-service, rehire, etc.).**Total column for participant count is a sum of participants across each age group. E.g. If a participant has both a main account and beneficiary account within different age groups (decedent's date of birth), that participant will be counted twice.27 Plan SummaryOakland County 401(A) Employees Retirement SystemFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.INVESTMENT OPTIONSLess than 25 25-3435-4445-5455-6465+TotalGUARANTEED INCOME FUND$2,100 $200,144 $2,245,957 $13,770,018 $27,477,468 $31,441,609 $75,137,296TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS$0 $64,126 $8,653,993 $21,755,832 $18,573,236 $16,965,460 $66,012,646LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND$32,427 $547,712 $6,105,157 $22,961,417 $13,597,669 $13,875,838 $57,120,220FIDELITY GROWTH COMPANY K6 FUND$58,413 $1,523,763 $7,027,676 $21,080,041 $8,627,496 $4,010,617 $42,328,005TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS$0 $37,250 $6,303,898 $29,655,759 $2,453,871 $775,678 $39,226,457JPMORGAN EQUITY INCOME FUND CLASS R5$12,243 $698,599 $5,668,501 $15,995,941 $8,970,089 $7,030,703 $38,376,077FIDELITY 500 INDEX FUND$13,800 $493,754 $4,132,527 $13,980,323 $8,913,463 $5,744,291 $33,278,159PGIM TOTAL RETURN BOND FUND -CLASS Z$1,725 $141,162 $1,787,276 $11,713,602 $11,399,828 $6,613,796 $31,657,389TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS$0$0 $1,330,008 $5,693,105 $17,642,877 $6,979,623 $31,645,614MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3$17,723 $770,782 $5,037,978 $14,651,102 $6,481,388 $3,946,685 $30,905,658T. ROWE PRICE NEW HORIZONS FUND$80,783 $1,841,787 $4,971,053 $9,669,562 $4,191,474 $2,562,357 $23,317,015EATON VANCE ATLANTA CAPITAL SMID-CAP FUND CLASS A$4,274 $296,838$3,176,634 $10,554,626 $5,148,840 $3,233,740 $22,414,951TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS$0 $61,448 $615,781 $15,034,764 $6,471,150 $152,888 $22,336,030TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS$0$3,894$16,760,344 $3,871,457 $51,577$1,396 $20,688,668PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND$38 $29,834 $66,215 $816,228 $6,025,876 $13,022,926 $19,961,116TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS$16,333 $5,788,569 $13,244,394 $685,174 $75,536 $60,707 $19,870,714SELF DIRECTED BROKERAGE ACCOUNT$0 $53,080 $2,037,439 $6,073,867 $3,683,403 $3,898,456 $15,746,244TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS$5,115$167$9,310 $467,363 $8,380,983 $2,072,013 $10,934,952FIDELITY SMALL CAP INDEX FUND$3,884 $124,716 $1,625,561 $4,198,518$2,480,844 $1,746,298 $10,179,819BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A$772 $41,157 $464,537 $3,300,451 $4,118,942 $1,831,985 $9,757,843FIDELITY PURITAN FUND$0 $16,672 $763,893 $2,493,117 $2,620,316 $3,855,481 $9,749,480FIDELITY EMERGING MARKETS INDEX FUND$6,767 $332,601 $2,106,561 $4,805,098 $1,903,161 $542,407 $9,696,595VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A$3,917 $214,696 $1,645,221 $3,990,451 $1,897,313 $1,154,875 $8,906,474AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E$1,861 $88,115 $1,362,992 $4,315,577 $1,789,150 $1,064,687 $8,622,381TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS$10,413 $5,316,453 $2,113,471 $237,608 $13,848$0 $7,691,793FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I$5,863 $173,679 $1,320,205 $3,118,783 $1,273,107 $638,945 $6,530,582TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS$16,894 $6,189,195 $10,895$2,209$0$0 $6,219,193AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5$9,770 $99,427 $890,016 $2,820,226 $1,773,963 $546,167 $6,139,568PIMCO INCOME FUND CLASS A$0 $51,006 $523,204 $1,975,010 $2,355,300 $664,341 $5,568,861PGIM HIGH YIELD FUND- CLASS Z$0 $18,219 $328,848 $1,595,464 $1,447,390 $808,233 $4,198,155FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND$0 $114,343 $493,290 $800,606 $997,409 $585,336 $2,990,983COHEN & STEERS REALTY SHARES FUND CLASS L$0 $65,658 $511,187 $1,453,737 $682,589 $198,438 $2,911,610DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS$958$3,127 $335,529 $560,810 $845,200 $387,361 $2,132,985TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS$518,234$792,267 $92,387 $59,223 $598,984$0 $2,061,093FIDELITY MID CAP INDEX FUND$0 $28,268 $265,483 $923,673 $535,951 $259,552 $2,012,927FIDELITY INTERNATIONAL INDEX FUND$2 $34,221 $324,683 $1,007,835 $288,575 $92,832 $1,748,149TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS$0$0$0$0$218,059 $784,180 $1,002,239COLUMBIA INCOME BUILDER FUND ADVISOR CLASS$0$1,032$6,885 $93,784$728,972 $23,106 $853,779BNY MELLON NATURAL RESOURCES FUND CLASS I$0$9,871 $95,213 $252,228 $154,168 $102,595 $614,075TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS$0$0$1,859$6,731 $27,560 $505,026 $541,177GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS$1,424$5,487 $40,132 $156,938 $65,394 $207,591 $476,966VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL$0$352 $23,275 $139,817 $149,335$0 $312,779COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS$0$482 $55,982 $70,646 $144,712 $18,459 $290,282Total Assets$825,734 $26,273,953 $104,575,450 $256,808,718 $185,276,467 $138,406,678 $712,167,000% of Assets0.1%3.7%14.7%36.1%26.0%19.4% 100.0%Total Participants999221,1491,4521,0566225,300Avg. Account Balance$8,341 $28,497 $91,014 $176,866 $175,451 $222,519 $134,371Fund Allocation by Age Group as of September 30 , 202028 INVESTMENT OPTIONSLess than 25 25-3435-4445-5455-6465+TotalGUARANTEED INCOME FUND3491283814303281,319TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS019204312200186921LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND6671864432861931,181FIDELITY GROWTH COMPANY K6 FUND171272104763571701,357TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS021255973315772JPMORGAN EQUITY INCOME FUND CLASS R591262564983331631,385FIDELITY 500 INDEX FUND4511433722901881,048PGIM TOTAL RETURN BOND FUND -CLASS Z4631454173391581,126TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS00209537650541MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R39991803892271201,024T. ROWE PRICE NEW HORIZONS FUND141482324332941031,224EATON VANCE ATLANTA CAPITAL SMID-CAP FUND CLASS A81082324903161301,284TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS02143861596567TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS0348118751677PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND135213735102TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS64085441432977SELF DIRECTED BROKERAGE ACCOUNT031438221289TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS1133219179307FIDELITY SMALL CAP INDEX FUND1319517811954478BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A3387923719774628FIDELITY PURITAN FUND0868190160118544FIDELITY EMERGING MARKETS INDEX FUND1011318635420959931VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A10112209383249951,058AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E243157332203104841TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS2449156530615FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I1010418634922077946TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS64681300478AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5424721299031350PIMCO INCOME FUND CLASS A012501348127304PGIM HIGH YIELD FUND- CLASS Z011491348545324FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND0914416834166COHEN & STEERS REALTY SHARES FUND CLASS L017671307823315DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS 1 536936420219TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS82924130182FIDELITY MID CAP INDEX FUND01320453411123FIDELITY INTERNATIONAL INDEX FUND11633835825216TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS0000117485COLUMBIA INCOME BUILDER FUND ADVISOR CLASS0142222857BNY MELLON NATURAL RESOURCES FUND CLASS I0424713411144TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS001885471GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS 1 3121813 350VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL01146012COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS0141319643Total Participants999221,1491,4521,0566225,300Average # of Funds Per Participant2.23.14.05.95.64.64.7Plan SummaryOakland County 401(A) Employees Retirement SystemFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Participant Count by Fund by Age Group as of September 30, 202029 30Oakland County 401(A) Employees Retirement SystemPlan SummaryFor Plan Sponsor or Consultant Use OnlyAssets and contributions reflect actual participant account balances and do not include outstanding loan balances, forfeitures, and / or expense account assets.Customer should promptly report any inaccuracy or discrepancy to the brokerage firm(s).All oral communications should be re-confirmed in writing to protect the customer’s legal rights, including rights under the Securities Investor Protection act (SIPA).This information should not be considered an offer or solicitation of securities, insurance products or services. No offer is intended nor should this material be construed as an offer of any product. The information is being presented by us solely in our role as the plan’s service provider and or record keeper. Retirement products and services are provided by Prudential Retirement Insurance and Annuity Company, Hartford, CT, or its affiliates.© 2020 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide.Prudential’s Book of Business averages are as of 12/31/2019.30 Section II:Oakland County 457(b) Deferred Compensation PlanPlan Summary – 940080Oakland County 457(b) Deferred Compensation PlanFor Plan Sponsor or Consultant Use Only 31 Plan Summary and Benchmark TrendsOakland County 457(b) Deferred Compensation PlanFor Plan Sponsor or Consultant Use Only 32 Oakland County 457(b) Deferred Compensation PlanFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Historical Plan Statistics*Includes RolloversHistorical Plan Statistics6/30/20207/31/20208/31/20209/30/20206/30/20207/31/20208/31/20209/30/2020Total Participants Balances$307,850,695$322,019,922$338,828,186$332,171,975Contributions*$943,763$912,824$912,463$970,173Distributions*($915,979)($1,287,513)($1,800,434)($976,686)Cash Flow$27,784($374,689)($887,971)($6,513)Account BalancesAverage Participant Balance$89,831$94,268$98,957$97,013Participation / DeferralsParticipation Rate69.1%69.3%69.5%69.7%Average Contribution Rate (%)8.6%8.6%8.5%8.6%Total Participants with a Balance3,4273,4163,4243,424Asset Allocation% of Plan Assets in Stable Value14.0%13.4%13.1%13.5%% of Plan Assets for GoalMaker Participants14.0%14.0%14.1%14.3%Participation Rate in GoalMaker18.7%18.8%18.9%18.9%Number of Participants in GoalMaker640642647647Number of Participants in One Fund1,1231,1211,1181,114Number of Participants in Four or More Funds1,7221,7141,7201,721DistributionsTotal Number of All Withdrawals*79909392 Termination$631,288$919,611$1,368,002$280,801 Hardship$0$0$0$0 In Service$0$0$0$0 Coronavirus-Related Withdrawal$124,478$140,619$111,310$162,255 Subtotal of Termination, Hardship, Inservice, Coronavirus-Related Withdrawal$755,766$1,060,230$1,479,312$443,056Amount of Distributions Representing Rollovers$309,664$675,063$984,832$141,665% of Assets Distributed*0.3%0.4%0.5%0.3%LoansNumber of New Loans12445Number of Outstanding Active Loans276269267268Average Loan Balance$7,487$7,249$7,310$7,08633 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.CARES Act ActivityOakland County 457(b) Deferred Compensation PlanCARES Act elections: Distribution elections implemented on June 19, 2020,Loan Suspension elections implemented on May 5, 2020:•Coronavirus Related (In Service) Distributions up to $25,000•Covid Related Loan Suspensions for existing & new loansCRD‐Corona Virus Related DistributionData is as of April 2020‐September 2020, except Loan Suspensions, this is noting loans still suspended as of September 30, 2020CARES Data9/30/2020CRDs 53CARES Act Loans Initiations 1CARES Act Loan Suspensions 9CRDs by Range9/30/2020Up to $5k 25$5,001-$10k 7$10,001-$25k 21CRDs by Status 9/30/2020CRDsPPT Count Total CRD9/30/2020Active48$497,882 Average$10,163Termed5$40,780 Median$5,781Total53$538,663 Total CRDs$538,663Oakland County 457(b) Deferred Compensation PlanCARES Act Loans Month InitiationTotal Count Total Amount Average Amount Median AmountJun1 $2,494$2,494$2,494Grand Total1 $2,494$2,494$2,494CARES Act Loan Suspensions as of 9/30/2020Total CountTotal Principal Due AmountTotal Interest Due Amount9 $115,582.84 $15,590.3734 Oakland County 457(b) Deferred Compensation PlanFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Plan SummaryPlan Demographics Summary6/30/2020 4/1/20204/1/2020-6/30/20207/1/2020-9/30/2020Total Participants* 3,427 3,424 Active Participants 2,594 2,594 Terminated Participants 737 736 Suspended Participants 6 6 Other Participants** 87 85 Multiple Status Participants*** 3 3Average Participant Balance $89,831 $97,013 Average Account Balance for Active Participants $74,527$80,207Median Participant Balance $22,751 $24,404 Median Participant Balance for Active Participants $17,160 $18,853Participants Age 50 and Over 1,745 1,754 Total Assets for Participants Age 50 and Over $247,763,626 $266,692,053Total (Contributions + Rollovers In) $3,363,516 $2,795,459 Employee Contributions $3,320,213 $2,770,738 Rollovers In $43,303 $24,721Total Distributions ($1,861,746) ($4,064,633)Percentage of Assets Distributed 0.6% 1.2%Market Value Gain / Loss**** $47,455,598 $25,615,175Total Participant Balances $307,850,695 $332,171,975*** Participant(s) with an account balance greater than $0 in more than one participant status category (e.g. Active status in one subplan but Terminated status in another subplan).****This is not the equivalent of a plan level return on investment due to the timing of additions, distributions and underlying investment performance. *Participant(s) with an account balance greater than $0. **Participant(s) who are not active, terminated or suspended, but have an account balance greater than $0 (e.g. break-in-service, rehire, etc.). Rollovers In is the total dollars credited to participant accounts within the period defined that originated in other qualified retirement plan accounts.35 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 457(b) Deferred Compensation PlanPlan SummaryPlan FeaturesGoalMaker6/30/2020 9/30/2020Plan Assets for Participants in GoalMaker $43,067,234 $47,394,583% of Plan Assets for GoalMaker Participants 14.0% 14.3%# of Participants in GoalMaker640 647 Participation Rate in GoalMaker 18.7% 18.9% Prudential % of Participants in GoalMaker - As of 12/31/2019IncomeFlex6/30/2020 9/30/2020% of Plan Assets Invested in IncomeFlex Funds for IncomeFlex Participants 27.0% 36.3%# of Participants in IncomeFlex24 24 Participation Rate in IncomeFlex 0.7% 0.7%Prudential % of Participants in IncomeFlex - As of 12/31/2019Auto Features6/30/2020 9/30/2020 % of Contributing Participants in Contribution Accelerator 7.2% 7.0%Prudential % of Contributing Participants in Contribution Accelerator - As of 12/31/2019Stable Value6/30/2020 9/30/2020Participation Rate in Stable Value 33.2% 33.3%% of Plan Assets in Stable Value 14.0% 13.5%Prudential % of Plan Assets in Stable Value - As of 12/31/201952.3%7.3%32.5%22.1%Participant Activity Call Center4/1/2020 - 6/30/20207/1/2020 - 9/30/2020Total Call Volume249 264Loans4/1/2020 - 6/30/20207/1/2020 - 9/30/2020Amount of New Loans Taken $244,374 $151,189# of New Loans16 13# of Outstanding Active Loans 276 268% of Participants have Outstanding Active Loans 6.4% 6.3%Prudential % of Participants have Outstanding Active Loans - As of 12/31/201913.6%Transaction SummaryTransactions4/1/2020 - 6/30/20207/1/2020 - 9/30/2020Total Enrollees* 15 32 Contribution Rate Increases for Active Participants** 170 241 Contribution Rate Decreases for Active Participants** 53 63Total Contribution Rate Changes** 223 304Number of Participants with Transfers 1,613 122Loan Initiations 16 13Distributions 208 275**Sum of month over month contribution rate (% and $) changes are for active participants during the reporting period. This excludes any terminations, enrollments or auto enrollments(if applicable on the plan) during the respective months in which contribution rate changes occurred.*Number of participants that w ere enrolled into the plan w ithin the reporting period. This can include those individuals w ho self enrolled or auto enrolled, if applicable on the plan. Rehires may not be included if their original enrollment date falls outside the reporting period.36 For Plan Sponsor or Consultant Use OnlyPlan SummaryOakland County 457(b) Deferred Compensation PlanBenchmark Trends – Plan FeaturesPlan FeaturesYour PlanPrudential Book ofBusinessIndustryAverage*Plan Sponsor Survey 2019**Plan Sponsor Survey 2020***Auto Enrollment (Administered Through Prudential)No53.2%38.5%46.3%48.2%Auto Enrollment Default RateNA3% (44.4% of Plans)25.0%38.9%39.5%Contribution Accelerator (Administered Through Prudential)Yes51.9%37.1%37.8%40.0%GoalMaker®Yes67.0%NANANAInvestment Options43.013.522.624.922.9IncomeFlex®Yes25.3%20.8%9.9%9.2%LoansYes63.5%70.8%91.6%82.0%Plan Allows RothNo32.8%73.4%71.8%76.9%Plan Allows Catch-Up Contributions (Administered Through Prudential)Yes48.1%NANANA **2019 Annual Survey, 2019 (Overall) ***2020 Annual Survey, 2020 (Overall) *Annual Survey, 2020 (Industry Specific Results) – Government Federal This information should not be considered an offer or solicitation of securities, insurance products or services. No offer is intended nor should this material be construed as an offer of any product. The information is being presented by us solely in our role as the plan’s service provider and/or record keeper.© 2020 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide.Prudential’s Book of Business averages are as of 12/31/2019External Benchmark Source: PLANSPONSOR Defined Contribution Annual Survey 37 For Plan Sponsor or Consultant Use OnlyPlan SummaryOakland County 457(b) Deferred Compensation PlanBenchmark Trends – Participant BehaviorPlan FeaturesYour PlanPrudential Book ofBusinessIndustryAverage*Plan Sponsor Survey 2019**Plan Sponsor Survey 2020***Participation Rate69.7%70.5%67.3%79.2%78.9%Average Contribution Rate (%)8.6%7.6%6.8%6.8%7.1%Average Account Balance$97,013$73,876$73,900$102,586$103,108Median Account Balance$24,404$70,895$52,723$77,204$79,970% of Plan Assets in Stable Value13.5%22.1%NANANAAverage # of Funds Held5.35.34.75.56.3% of 55+ Participants Utilizing IncomeFlex®0.7%9.5%NANANA% of Participants Utilizing GoalMaker®18.9%52.3%NANANA% of Participants have Outstanding Active Loans6.3%13.6%16.3%13.5%14.2%Average Loan Balance$7,086$7,754$8,748$10,257$10,121 **2019 Annual Survey, 2019 (Overall) ***2020 Annual Survey, 2020 (Overall)Prudential’s Book of Business averages are as of 12/31/2019External Benchmark Source: PLANSPONSOR Defined Contribution Annual Survey *Annual Survey, 2020 (Industry Specific Results) – Government Federal This information should not be considered an offer or solicitation of securities, insurance products or services. No offer is intended nor should this material be construed as an offer of any product. The information is being presented by us solely in our role as the plan’s service provider and/or record keeper.© 2020 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide.38 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 457(b) Deferred Compensation PlanPlan SummaryAsset Allocation/Net Activity By AgeJuly 1, 2020 to September 30, 2020Less than 25 25-3435-4445-5455-6465+TotalTotal Participant Balances$124,921 $4,594,450 $22,696,902 $88,314,848 $114,086,583 $102,354,270 $332,171,975% Assets0.0%1.4%6.8%26.6%34.3%30.8%100.0%Average Contribution Rate ($)$72$100$126$192$240$361$179Average Contribution Rate (%)6.2%7.3%8.4%8.1%13.1%10.4%8.6%Prudential Avg. Contribution Rate (%) as of 12/31/20195.0%6.0%6.8%8.0%9.6%11.3%7.6% Contributions$19,214 $315,580 $475,944 $1,008,356 $737,881 $213,763 $2,770,738 Rollovers In*$0 $22,455$0$2,266$0$0$24,721Total (Contributions + Rollovers In)$19,214 $338,035 $475,944 $1,010,622 $737,881 $213,763 $2,795,459 Cash Distributions$0 ($61,372) ($70,843) ($415,432) ($1,131,569) ($583,857) ($2,263,072) Rollovers Out$0$0 ($46,713) ($238,740) ($839,607) ($676,501) ($1,801,561)Total (Cash Distributions + Rollovers Out)$0 ($61,372) ($117,555)($654,172) ($1,971,175) ($1,260,358) ($4,064,633)Net Activity$19,214 $276,663 $358,389 $356,450 ($1,233,294) ($1,046,595) ($1,269,173)Total Participants**445016401,0008014403,426Average Account Balance$2,839$9,171 $35,464 $88,315 $142,430 $232,623$96,956Prudential Avg. Account Balance as of 12/31/2019$3,645 $16,118 $46,246 $89,262 $123,641 $125,460$73,876Median Account Balance$1,590$4,257$9,935 $38,086 $59,448 $99,989$24,404Prudential Median Account Balance as of 12/31/2019$4,531 $11,969 $31,729 $52,216 $78,108 $116,384$70,895High Balance$18,739 $154,983 $524,756 $1,138,604 $1,946,036 $2,873,650Low Balance$80$20$21$0.11$0.01$0.01**Total column for participant count is a sum of participants across each age group. E.g. If a participant has both a main account and beneficiary account w ithin different age groups (decedent's date of birth), that participant will be counted twice.*Rollovers In is the total dollars credited to participant accounts w ithin the period defined that originated in other qualified retirement plan accounts.Average Balance By Years of Service as of September 30, 2020Years of Service 0 - 5 6 - 10 11 - 15 16 - 20 21 - 25 26 - 30 31 - 35 36 - 40 41 - 45 46 - 50 51 -55 56-60Average Account Balance* $12,736 $25,649 $38,586 $65,213 $135,199 $190,316 $167,331 $232,547 $377,769 $1,314,945 $0 $1,373,131* Active Employees39 Retirement ReadinessOakland County 457(b) Deferred Compensation PlanFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.40 Oakland County 457(b) Deferred Compensation PlanFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Plan SummaryParticipation Rate As of September 30, 20206/30/20209/30/2020 Total Eligible To Contribute Population3,6033,586 Contributing (A)2,4892,499 Enrolled Not Contributing (B)127125 Eligible Not Enrolled (C)9879626/30/20209/30/2020Participation Rate *69.1%69.7% Prudential Book of Business 12/31/2019 Plan Sponsor Survey 2020 - National AverageEligible Not Enrolled – An individual who meets the requirements to join the plan, but has not enrolled in the plan (as of close of business on the last business day of the period).Contributing – Count of participants who are active/eligible and have a contribution rate (%) or amount ($) greater than zero (as of close of business on the last business day of the period).Enrolled Not Contributing – An individual who is enrolled in the plan, but does not have a contribution rate (%, $) greater than zero (as of close of business on the last business day of the period).Definitions:70.5%78.9%* Participation Rate is calculated by A/(A+B+C)69.7%3.5%26.8%ContributingEnrolled Not ContributingEligible Not EnrolledDue to rounding, pie chart may not equal 100%41 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 457(b) Deferred Compensation PlanPlan SummaryParticipation Rate By Employee Location as of September 30, 2020By Location NameContributingEnrolled Not ContributingEligible Not EnrolledCompliance Office3 0 0 100.0%Sheriff/Independence32 0 1 97.0%Human Resources33 2 0 94.3%Sheriff/Brandon11 1 0 91.7%Sheriff/Rochester Hills55 2 3 91.7%Sheriff/Oxford16 1 1 88.9%Equalization67 2 7 88.2%Sheriff/Commerce34 1 4 87.2%Sheriff/Addison6 0 1 85.7%Sheriff/Orion28 1 4 84.8%Sheriff/Oakland11 1 1 84.6%Sheriff545 23 79 84.2%Management & Budget/Fiscal Services72 2 13 82.8%Planning & Economic Development22 0 5 81.5%Sheriff/Lyon17 1 3 81.0%52/1 District Court38 0 9 80.9%Corporation Counsel/Risk Management20 0 5 80.0%Purchasing8 0 2 80.0%Sheriff/Springfield8 1 1 80.0%Workforce Development4 0 1 80.0%County Executive 60 0 16 78.9%Community & Home Improvement11 0 3 78.6%Treasurer28 4 4 77.8%Sheriff/Highland12 1 3 75.0%Sheriff/Pontiac60 2 18 75.0%IT94 7 25 74.6%LocationParticipantsParticipation Rate %9/30/2020ContributingEnrolled Not ContributingEligible Not EnrolledMedical Examiner 14 1 4 73.7%Support Services21 0 8 72.4%52/2 District Court18 0 7 72.0%Animal Control15 1 5 71.4%Homeland Security5 0 2 71.4%Parks and Recreation52 2 22 68.4%Prosecuting Attorney108 2 48 68.4%Health200 10 85 67.8%Aviation & Transportation12 0 6 66.7%Board Of Commissioners25 0 13 65.8%Clerk/Register of Deeds52 1 28 64.2%52/4 District Court16 1 9 61.5%Water Resources Commissioner201 13 116 60.9%Veterans Services Admin9 0 6 60.0%Community Corrections27 1 19 57.4%Circuit Court210 12 147 56.9%Economic Dev & Comm Affairs5 0 4 55.6%Facilities 94 5 71 55.3%Housing Counsel & Homeless Services1 0 1 50.0%52/3 District Court21 1 22 47.7%Probate Court20 2 20 47.6%Children’s Village Admin.77 3 104 41.8%MSU Extension Administration1 0 4 20.0%Children's Village0020.0%#N/A0 18 0 0.0%Total2,499 125 962 69.7%LocationParticipantsParticipation Rate %9/30/202042 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 457(b) Deferred Compensation PlanPlan SummaryParticipation Rate By Employee Location as of September 30, 2020By Participation Rate %ContributingEnrolled Not ContributingEligible Not Enrolled52/1 District Court38 0 9 80.9%52/2 District Court18 0 7 72.0%52/3 District Court21 1 22 47.7%52/4 District Court16 1 9 61.5%Animal Control15 1 5 71.4%Aviation & Transportation12 0 6 66.7%Board Of Commissioners25 0 13 65.8%Children’s Village Admin.77 3 104 41.8%Children's Village0020.0%Circuit Court210 12 147 56.9%Clerk/Register of Deeds52 1 28 64.2%Community & Home Improvement11 0 3 78.6%Community Corrections27 1 19 57.4%Compliance Office3 0 0 100.0%Corporation Counsel/Risk Management20 0 5 80.0%County Executive 60 0 16 78.9%Economic Dev & Comm Affairs5 0 4 55.6%Equalization67 2 7 88.2%Facilities 94 5 71 55.3%Health200 10 85 67.8%Homeland Security5 0 2 71.4%Housing Counsel & Homeless Services1 0 1 50.0%Human Resources33 2 0 94.3%IT94 7 25 74.6%Management & Budget/Fiscal Services72 2 13 82.8%Medical Examiner 14 1 4 73.7%LocationParticipantsParticipation Rate %9/30/2020ContributingEnrolled Not ContributingEligible Not EnrolledMSU Extension Administration1 0 4 20.0%Parks and Recreation52 2 22 68.4%Planning & Economic Development22 0 5 81.5%Probate Court20 2 20 47.6%Prosecuting Attorney108 2 48 68.4%Purchasing8 0 2 80.0%Sheriff545 23 79 84.2%Sheriff/Addison6 0 1 85.7%Sheriff/Brandon11 1 0 91.7%Sheriff/Commerce34 1 4 87.2%Sheriff/Highland12 1 3 75.0%Sheriff/Independence32 0 1 97.0%Sheriff/Lyon17 1 3 81.0%Sheriff/Oakland11 1 1 84.6%Sheriff/Orion28 1 4 84.8%Sheriff/Oxford16 1 1 88.9%Sheriff/Pontiac60 2 18 75.0%Sheriff/Rochester Hills55 2 3 91.7%Sheriff/Springfield8 1 1 80.0%Support Services21 0 8 72.4%Treasurer28 4 4 77.8%Veterans Services Admin9 0 6 60.0%Water Resources Commissioner201 13 116 60.9%Workforce Development4 0 1 80.0%#N/A0 18 0 0.0%Total2,499 125 962 69.7%LocationParticipantsParticipation Rate %9/30/202043 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 457(b) Deferred Compensation PlanPlan SummaryRetirement Income Calculator (RIC) AnalysisTotal Retirement Income Calculator Completions - Number of RIC completions for the given time period. If a single participant completed the RIC multiple times within the given time period, they would be counted multiple times.Unique Completions: Total number of unique active/eligibles that completed the retirement income calculator during the reporting periodContribution Rate Increases: Total number of active/eligibles that completed the retirement income calculator and increased their contribution rate.Average Balance RIC Participant - For participants who have a balance greater than $0 that have previously completed the RIC - The total balance of active participants divided by the total count of active participantsAverage Balance Non-RIC Participant - For participants who have a balance greater than $0 that have NOT previously completed the RIC - The total balance of active participants divided by the total count of active participantsAverage Contribution Rate RIC Participant - For participants who have completed the RIC - The total of all contribution rates (%) for active participants who have completed the RIC divided by the number of active participants that have completed the RIC who have non-zero contribution rates.Average Contribution Rate Non RIC Participant - For participants who have NOT completed the RIC - The total of all contribution rates (%) for active participants who have completed the RIC divided by the number of active participants that have completed the RIC who have non-zero contribution rates.Average Income Replacement, RIC Participant - Calculated by summing the income replacement percentages of all active, eligible & suspended participants who have completed the RIC divided by the total count of all those active, eligible & suspended participants that have completed the RIC. Individuals not enrolled in the plan are excluded from the calculation.Average Income Replacement, Non- RIC Participant - Calculated by summing the income replacement percentages of all active, eligible & suspended participants who have not completed the RIC divided by the total count of all those active, eligible & suspended participants that have completed the RIC. Individuals not enrolled in the plan are excluded from the calculation.Participant - An individual who has enrolled in the plan and has a non-zero account balance.Total Retirement Income Calculator Completions290Unique Completions217Contribution Rate Increase26Average Balance, RIC Participant$84,082Average Balance, Non-RIC Participant$81,536Average Contribution Rate, RIC Participant8.83%Average Contribution Rate, Non-RIC Participant8.24%Total Count of Participants w ith a RIC Gap1,095Average RIC Gap $3,093Total Count of Participants w ith a RIC Surplus440Average RIC Surplus $2,192Average Income Replacement, RIC Participant62%Average Income Replacement, Non-RIC Participant87%Note - due to market volatility and COVID, the numbers might be low er than prior quarters.Since Inception for Currently Active Participants as of 9/30/20207/1/2020 - 9/30/202044 IncomeFlex ParticipationFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 457(b) Deferred Compensation PlanPlan SummaryAs Of 9/30/2020<=44 45-54 55-64 65+ Grand TotalParticipants Enrolled in IncomeFlex 7 8 3 6 24IncomeFlex AssetsAs of 9/30/2020, the participants invested in IncomeFlex have 36.3% of their total plan assets in these funds, with an average balance of $101,390.IncomeFlex UtilizationDuring the period of 7/1/2020 to 9/30/2020, the IncomeFlex participation rate was 0.7%.45 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 457(b) Deferred Compensation PlanPlan SummaryAuto Features (1 of 2)As of September 30, 202046 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 457(b) Deferred Compensation PlanPlan SummaryAuto Features (2 of 2)Number of Participants in both Auto Enrollment & Contribution Accelerator as of Reporting End Date: Total number of participants with an auto enrollment date as of end of reporting period, did not decline auto enrollment, and did not change any of their default options. In addition, these participants were enrolled or defaulted into Contribution Accelerator and still remain in the program as of the reporting end date.Number of Participants in Auto Enrollment Status: Total number of participants with an auto enrollment date as of end of reporting period, did not decline auto enrollment , and did not change any of their default options.Number of Participants That Were Auto Enrolled During the Reporting Period: Participants with an auto enrollment date between the beginning and end date of the reporting period. If a participant later declined auto enrollment or made a change to their default option(s), the participant is still included in this count because their auto enrollment date is within the reporting period.Auto Enrollment Default Options: A pre-selected set of choices made for the participant by the plan (contribution rate, investment(s), and asset allocation).Number of Auto Enrolled Participants Who Stopped Participating:Total number of individuals who were previously auto enrolled, but decided to set their contribution rate to 0% during the reporting period.Number of Auto Enrollment Declines: Total number of individuals who are active/eligible, but declined from being automatically enrolled into the Plan during the reporting period.Number of Contribution Accelerator Declines: Total number of individuals who are active/eligible, but declined from having their contribution rate automatically increased. This could include new enrollees or those who were previously enrolled in Contribution Accelerator at one time. For Opt-In Plans, this would also include participants who made a contribution rate change via Participant Website and decided not to select the “Activate” Contribution Accelerator prompt upon making their contribution rate change.Auto Features7/1/2020 - 9/30/2020 Number of Participants Enrolled Into Contribution Accelerator During the Reporting Period*11 Number of Participants That Declined Contribution Accelerator During the Reporting Period38 Number of Participants Enrolled Into Contribution Accelerator During the Reporting Period and Still Remain in the Program*10 Defaulted Into Contribution Accelerator*0 Opted Into Contribution Accelerator*10 Opted Into Contribution Accelerator at 1% Contribution Increment*6 Opted Into Contribution Accelerator at >1% Contribution Increment4* Includes participants with Contribution Accelerator Increment Amounts ($) if applicable on the planContribution Accelerator47 Plan ActivityOakland County 457(b) Deferred Compensation PlanFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.48 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.INVESTMENT OPTIONS4/1/2020 - 6/30/2020 % 7/1/2020 - 9/30/2020 %Change%FIDELITY GROWTH COMPANY K6 FUND$253,7207.6%$306,88811.1%$53,16821.0%FIDELITY 500 INDEX FUND$320,8129.7%$260,7359.4%($60,077) -18.7%GUARANTEED INCOME FUND$237,0887.1%$188,8196.8%($48,269) -20.4%JPMORGAN EQUITY INCOME FUND CLASS R5$212,2186.4%$175,9946.4%($36,225) -17.1%T. ROWE PRICE NEW HORIZONS FUND$168,3715.1%$155,8545.6%($12,517)-7.4%MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3$172,7455.2%$141,2005.1%($31,544) -18.3%PGIM TOTAL RETURN BOND FUND -CLASS Z$132,0964.0%$112,2774.1%($19,820) -15.0%TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS$132,1434.0%$112,2044.1%($19,939) -15.1%TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS$127,7133.9%$112,1604.1%($15,553) -12.2%TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS$134,5094.1%$110,1274.0%($24,381) -18.1%TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS$114,7313.5%$80,5022.9%($34,229) -29.8%TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS$93,8922.8%$80,0982.9%($13,794) -14.7%TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS$93,8172.8%$78,6792.8%($15,138) -16.1%TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS$87,9252.7%$70,7732.6%($17,151) -19.5%FIDELITY EMERGING MARKETS INDEX FUND$86,7802.6%$70,7262.6%($16,054) -18.5%FIDELITY PURITAN FUND$82,2652.5%$69,0502.5%($13,216) -16.1%VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A$79,2272.4%$65,8432.4%($13,384) -16.9%AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E$77,5932.3%$64,9972.4%($12,595) -16.2%EATON VANCE ATLANTA CAPITAL SMID-CAP FUND CLASS A$78,2272.4%$62,2762.3%($15,951) -20.4%LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND$62,1671.9%$56,4362.0%($5,730)-9.2%FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I$66,0282.0%$53,6201.9%($12,408) -18.8%TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS$55,1001.7%$38,2121.4%($16,888) -30.6%FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND$45,8121.4%$38,1291.4%($7,683) -16.8%BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A$43,3711.3%$36,9321.3%($6,440) -14.8%FIDELITY SMALL CAP INDEX FUND$44,9031.4%$33,3171.2%($11,586) -25.8%AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5$25,9960.8%$25,1700.9%($827)-3.2%FIDELITY MID CAP INDEX FUND$27,8490.8%$23,5630.9%($4,286) -15.4%FIDELITY INTERNATIONAL INDEX FUND$29,0290.9%$22,1670.8%($6,862) -23.6%COHEN & STEERS REALTY SHARES FUND CLASS L$24,4760.7%$19,8130.7%($4,663) -19.1%TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS$21,9840.7%$18,4090.7%($3,576) -16.3%PGIM HIGH YIELD FUND- CLASS Z$15,4580.5%$15,2280.6%($230)-1.5%PIMCO INCOME FUND CLASS A$15,8710.5%$15,1460.6%($725)-4.6%TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS$6,0730.2%$10,7450.4%$4,67276.9%GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS$9,7150.3%$9,6600.4%($55)-0.6%COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS$10,8200.3%$9,1460.3%($1,674) -15.5%PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND$6,6970.2%$6,8580.3%$1612.4%COLUMBIA INCOME BUILDER FUND ADVISOR CLASS$6,5920.2%$5,6600.2%($932) -14.1%TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS$6,1480.2%$3,4300.1%($2,718) -44.2%TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS$5,0100.2%$3,3740.1%($1,636) -32.7%DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS$3,4590.1%$3,1900.1%($268)-7.8%BNY MELLON NATURAL RESOURCES FUND CLASS I$2,8720.1%$2,4300.1%($442) -15.4%VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL$2980.0%$9010.0%$603202.2%FIDELITY GROWTH COMPANY$98,6143.0%$00.0%($98,614) -100.0%Total Assets Contributed$3,320,213100.0%$2,770,738100.0%($549,475) -16.5%Contributions by FundOakland County 457(b) Deferred Compensation PlanPlan Summary49 INVESTMENT OPTIONSINOUTNETGUARANTEED INCOME FUND$3,335,689 ($1,066,915) $2,268,774PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND$736,485($1,070) $735,415T. ROWE PRICE NEW HORIZONS FUND$516,931 ($246,447) $270,483FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND$589,464 ($365,847) $223,617TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS$200,748$0$200,748VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL$233,545($50,342) $183,203DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS$179,535($27,101) $152,434TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS$126,109$0$126,109AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5$165,697($42,912) $122,785TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS$83,747$0$83,747BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A$98,623($52,883)$45,741COLUMBIA INCOME BUILDER FUND ADVISOR CLASS$119,977($75,789)$44,188FIDELITY EMERGING MARKETS INDEX FUND$72,310($35,564)$36,746TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS$59,656($25,677)$33,979TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS$21,233($688)$20,545TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS$21,568($3,281)$18,287TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS$7,261$0$7,261SELF DIRECTED BROKERAGE ACCOUNT$35,614($30,029)$5,585BNY MELLON NATURAL RESOURCES FUND CLASS I$3,806($5,708)($1,902)TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS$0($7,961)($7,961)TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS$0($9,205)($9,205)GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS$2,374($13,250)($10,877)TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS$0($14,755)($14,755)PGIM TOTAL RETURN BOND FUND -CLASS Z$234,427 ($262,316)($27,888)TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS$0($31,425)($31,425)TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS$0($36,265)($36,265)COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS$92,807 ($142,414)($49,607)PIMCO INCOME FUND CLASS A$230,172 ($287,348)($57,176)FIDELITY MID CAP INDEX FUND$20,452 ($104,357)($83,905)MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3$56,474 ($141,221)($84,747)FIDELITY PURITAN FUND$276,647 ($374,289)($97,642)FIDELITY INTERNATIONAL INDEX FUND$12,985 ($112,396)($99,411)PGIM HIGH YIELD FUND- CLASS Z$35,507 ($162,254) ($126,747)FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I$46,107 ($192,395) ($146,288)FIDELITY SMALL CAP INDEX FUND$31,671 ($181,162) ($149,492)LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND$799,434($955,179) ($155,746)JPMORGAN EQUITY INCOME FUND CLASS R5$101,639 ($300,116) ($198,477)COHEN & STEERS REALTY SHARES FUND CLASS L$2,061 ($204,959) ($202,898)AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E$19,021 ($270,362) ($251,341)VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A$46,434 ($308,559) ($262,125)EATON VANCE ATLANTA CAPITAL SMID-CAP FUND CLASS A$41,528 ($430,712) ($389,184)FIDELITY GROWTH COMPANY K6 FUND$854,820 ($1,715,693) ($860,873)FIDELITY 500 INDEX FUND$218,085 ($1,441,796) ($1,223,711)TOTAL$9,730,641 ($9,730,641)$07/1/2020 to 9/30/2020For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Plan SummaryOakland County 457(b) Deferred Compensation PlanInterfund Transfers50 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Participant Distribution StatisticsOakland County 457(b) Deferred Compensation PlanPlan SummaryTotalAmount of Withdrawals Taken4/1/2020 - 7/1/2020 -4/1/2020 - 7/1/2020 -Distribution Type6/30/2020 9/30/2020 Change % Change 6/30/2020 9/30/2020 Change % ChangeTermination$1,321,230 $2,568,414 $1,247,18494%39612256%Coronavirus-Related Withdrawal$124,478 $414,184 $289,706233%104333330%Death Distribution$69,910 $761,870 $691,960990%7147100%Installment Payment$299,127 $313,658 $14,5315%15115432%In-Service Withdrawal$47,000$0 ($47,000)-100%10(1)-100%Required Minimum Distribution$0$6,506 $6,506n/a022n/aGross Adjustment$0$0$0n/a011n/aGrand Total$1,861,746 $4,064,633 $2,202,887118%2082756732%# of WithdrawalsTermination - A withdraw al that is taken when the participant is active and terminating from employment or is already in a 'Terminated' status.Coronavirus-Related Withdrawal - A distribution that is requested by a participant in which they meet certain qualifications under the CARES Act. Note, the 59 ½ early withdrawal tax penalty does not apply.Death Distribution - Distribution taken by a beneficiary. This could include required minimum distributions, installment payments, etc.Installment Payment - An Installment distribution is a payment option that disburses funds over time (i.e. monthly, quarterly, yearly).In-Service Withdrawal - A distribution that is taken while the participant is still active, before termination from employment.Required Minimum Distribution - Minimum amounts that a participant must withdraw annually upon reaching a certain age or retirement. This would exclude any beneficiary or QDRO accounts.Gross Adjustment - The total of all adjustments made to an account or plan in absolute terms, regardless of whether or not the adjustments were positive or negative. Distribution Sub-TypeAge < 50 Age >= 50 TotalAge < 50 Age >= 50 TotalRollover$46,713 $1,754,848 $1,801,56111213Cash$263,112 $1,999,960 $2,263,07233229262Grand Total$309,825 $3,754,808 $4,064,63334241275Amount of Withdrawals Taken# of Withdrawals7/1/2020 - 9/30/202051 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Rollover Distribution StatisticsOakland County 457(b) Deferred Compensation PlanPlan SummaryRollover InstitutionRollover Distribution Amount# of Ppts Rollover InstitutionRollover Distribution Amount# of Ppts Rollover InstitutionRollover Distribution Amount# of Ppts Rollover InstitutionRollover Distribution Amount# of PptsFidelity $806,315 2 Fidelity $1,608,544 4 Charles Schw ab $261,983 1 Raymond James$818,625 3TD Ameritrade$498,305 2 RBC Capital Markets$532,779 1 Raymond James$259,450 1 NFS$291,619 1JP Morgan$244,654 4 Allianz$136,307 1 LPL$203,597 1 Merrill Lynch$166,951 1Pershing$205,306 1 Prudential$104,235 2 Pershing$53,104 1 Prudential$150,000 1RBC Capital Markets$124,558 1 Ameriprise$52,779 1 Equitable$50,215 1 Charles Schwab$104,000 1Prudential$92,874 1 TIAA$14,215 2 Fidelity$28,691 2 Vibe CU$94,952 1Russell Family Solo 401k Plan $76,761 1 E Trade$1,538 1 Ameriprise$21,288 2 Pershing$62,207 1Voya$27,104 1 Merrill Lynch$1,185 1 Prudential$18,656 1 TSP$46,713 1Charles Schwab$18,567 1 Total$2,451,582 13 NFS$518 1 Fidelity$42,083 1NFS$14,365 1Total$897,501 11 Edward Jones$19,873 1Total$2,108,809 15Principal$4,538 1Total$1,801,561 1310/1/2019 -12/31/20191/1/2020 -3/31/20204/1/2020 -6/30/20207/1/2020 -9/30/202052 Loan ActivityFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 457(b) Deferred Compensation PlanPlan SummaryLoan Utilization By Participant Age*Includes all participant statuses with balance > $0. <25 25-34 35-44 45-54 55-64 65+ OverallParticipants*44 501 640 1,000 801 440 3,426w/Loan0 8 42 86 67 11 2140.0%1.6%6.6%8.6%8.4%2.5%6.3%% of Participants With Withdrawal ActivityAs of 9/30/20207/1/2020 - 9/30/2020Average loan balance is $7,0860.4% initiated a new loanPrudential Book of Business Average is $7,754 as of 12/31/20196.3% of participants have outstanding active loans13.6% Prudential Book of Business Average as of 12/31/201925.2% of participants with loans that have multiple loans28.6% Prudential Book of Business Average as of 12/31/201953 Participant Loan StatisticsFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Amount of Loans Taken # of Active LoansLoan Initiations4/1/2020-6/30/20207/1/2020-9/30/2020Change % Changeas of 6/30/2020as of 9/30/2020Change % ChangeGeneral Purpose$244,374 $146,189 ($98,184)(40%) 243235(8) (3%)Residential$0 $5,000 $5,0000%333300%Grand Total$244,374 $151,189 ($93,184)(38%) 276268(8) (3%)4/1/2020-6/30/20207/1/2020-9/30/2020# of Outstanding Active Loans276268# of New Loans1613Average Loan Balance$7,487 $7,086Total Outstanding Loan Balance $2,066,348 $1,899,052Oakland County 457(b) Deferred Compensation PlanPlan Summary# of Oustanding Active Loansas of 9/30/2020Participant Count1160254Total214Deemed Loans4/1/2020-6/30/20207/1/2020-9/30/2020# of Deemed Loans 21Total Deemed Principal Loan Balance $10,052 $15,95854 Participant Transaction StatisticsFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 457(b) Deferred Compensation PlanPlan SummaryDefinitions:Unique Callers – The number of individuals that spoke to a Participant Service Center Representative during the reporting period (e.g., If thesame individual called five times during the reporting period, they would only be counted once). Total Call Volume – The number of calls to a Participant Service Center Representative during the reporting period (e.g., If the same individual called five times during the reporting period, they would be counted five times). 10/1/2019 - 12/31/20191/1/2020 - 3/31/20204/1/2020 - 6/30/20207/1/2020 - 9/30/2020Call CenterUnique Callers198204173171Total Call Volume316305249264Participant WebsiteUnique Web Logins2,0362,1171,7241,925Total Web Logins29,712 35,058 41,656 43,821Call Center Reason Category10/1/2019 - 12/31/20191/1/2020 - 3/31/20204/1/2020 - 6/30/20207/1/2020 - 9/30/2020Account Explanations77734146Allocation Changes & Exchange78118Contributions13643Disbursements11911991117Enrollments25212Forms1001Fund Information2272Hardships6162IFX0002IVR or Web Assistance3574Loans44305237Other8799Payment Questions0000Plan Explanations31044Regen Reg Letter0000Status of Research1313Tax Information0600Website Processing30301414Total31630524926455 Investment DiversificationOakland County 457(b) Deferred Compensation PlanFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.56 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.0%10%20%30%40%50%60%70%80%90%100%Less than 25 25-3435-4445-5455-6465+Stable ValueFixed Inc-DomesticFixed Inc-Glbl / InternationalAllocationEquity - U.S. LargeEquity - U.S. Mid/SmallEquity - Glbl / InternationalAlternative / OtherLess than 25 25-34 35-44 45-54 55-64 65+ TotalParticipants Invested in Only One Fund 17 231 224 273 231 138 1,114Average # of Funds per Participant 4.5 4.9 5.1 5.8 5.6 4.5 5.3Prudential Participants Avg. # of Funds per Participant as of 12/31/2019 5.5 5.5 5.5 5.5 5.3 4.2 5.3% of Plan Assets in Stable Value 4.7% 1.3% 2.5% 5.4% 17.6% 19.0% 13.5%Prudential % of Plan Assets in Stable Value as of 12/31/2019 9.0% 8.2% 10.3% 14.8% 25.3% 41.4% 22.1%Assets by Asset Class and Age as of September 30, 2020Oakland County 457(b) Deferred Compensation PlanPlan SummaryFund Utilization By Age as of September 30, 2020Asset AllocationAsset ClassYour Plan Assets as of 9/30/2020 Your Plan % as of 9/30/2020Stable Value $44,953,222 13.5%Fixed Inc-Domestic $23,525,396 7.1%Fixed Inc-Glbl / International $4,044,803 1.2%Allocation $71,372,511 21.5%Equity - U.S. Large $122,855,422 37.0%Equity - U.S. Mid/Small $32,114,912 9.7%Equity - Glbl / International $22,548,716 6.8%Alternative / Other $10,756,993 3.2%Total Participant Balances $332,171,975 100.0%57 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.The funds in boldtype denote inclusion in the GoalMaker®product.Oakland County 457(b) Deferred Compensation PlanPlan SummaryUtilization by Fund as of September 30, 2020INVESTMENT OPTIONSBalance % Invested in Fund # of PptsPpts Using as Sole InvestmentFIDELITY GROWTH COMPANY K6 FUND$66,367,305 20.0% 1,562 42GUARANTEED INCOME FUND$44,953,222 13.5% 1,141 131FIDELITY 500 INDEX FUND$33,051,912 10.0% 950 22T. ROWE PRICE NEW HORIZONS FUND$16,095,754 4.8% 1,362 31FIDELITY PURITAN FUND$15,397,811 4.6% 495 26PGIM TOTAL RETURN BOND FUND -CLASS Z$14,675,817 4.4% 1,011 2JPMORGAN EQUITY INCOME FUND CLASS R5$12,304,009 3.7% 1,192 2TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS $12,141,765 3.7% 168 71LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND $10,907,7493.3%6676TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS$9,315,7222.8%14385SELF DIRECTED BROKERAGE ACCOUNT$8,895,4582.7%1096MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3$8,804,2732.7%7430TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS$6,749,8362.0%203102AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E$6,168,0701.9%7011TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS$4,940,3731.5%15997EATON VANCE ATLANTA CAPITAL SMID-CAP FUND CLASS A$4,758,4131.4%9511VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A$4,598,8211.4%1,1431TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS$4,549,2581.4%180112TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS$4,113,9071.2%6023BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A$4,044,8031.2%5640FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND$3,997,0271.2%2235TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS$3,996,8301.2%7016FIDELITY EMERGING MARKETS INDEX FUND$3,728,8191.1%1,0230FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I$3,342,6091.0%1,1100TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS$2,484,1130.7%7511PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND$2,433,3580.7%243FIDELITY SMALL CAP INDEX FUND$2,325,5490.7%2120TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS$2,223,4200.7%144102PGIM HIGH YIELD FUND- CLASS Z$1,892,3670.6%2033FIDELITY INTERNATIONAL INDEX FUND$1,815,1130.5%2920COHEN & STEERS REALTY SHARES FUND CLASS L$1,724,9550.5%1704AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5$1,597,5210.5%3291PIMCO INCOME FUND CLASS A$1,381,8910.4%892TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS$1,276,1820.4%137105COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS$1,015,3970.3%800FIDELITY MID CAP INDEX FUND$993,7660.3%1193COLUMBIA INCOME BUILDER FUND ADVISOR CLASS$826,0510.2%720DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS$562,8970.2%431TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS$557,5400.2%9673GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS$434,9200.1%730TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS$366,3440.1%4024VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL$224,4460.1%80BNY MELLON NATURAL RESOURCES FUND CLASS I$136,5800.0%570Total$332,171,975100.0%58 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 457(b) Deferred Compensation PlanPlan SummaryInvestment UtilizationDue to rounding, bar graph may not equal 100%59 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 457(b) Deferred Compensation PlanPlan SummaryActive/Suspended Terminated Active/Suspended Terminated Active/Suspended TerminatedLess than 254010611225-3410126266110635-448030191113145-54171624141122655-64191241552513465+7410710038Total6518170193669647Active/Suspended Terminated Active/Suspended Terminated Active/Suspended TerminatedLess than 25$4,126$0$2,784$0$20,084 $2,955 $29,95025-34$37,226$986 $173,182 $1,147 $586,635$198 $799,37335-44$23,457$0 $940,422$489 $3,957,354 $83,248 $5,004,97145-54$1,202,236 $35,655 $5,596,566 $110,957 $14,546,639 $188,727 $21,680,78055-64$3,160,817 $1,691,500 $4,477,584 $552,869 $3,816,074 $268,806 $13,967,65065+$1,071,136 $671,051 $1,571,733 $1,085,825 $1,512,115$0 $5,911,860Total$5,498,999 $2,399,192 $12,762,270 $1,751,287 $24,438,901 $543,934 $47,394,583Conservative ModerateAggressiveConservative ModerateAggressiveParticipant Age RangeTotalTotalParticipant Age Rangeaverage contribution rate (%) for active 8.6%GoalMaker participants1.5 Yearsaverage length of time GoalMakerparticipants have been enrolled in GoalMakeractively elected GoalMaker18.9%GoalMaker participation rate for those whoGoalMaker® Participationas of 9/30/202012/31/2019 3/31/2020 6/30/2020 9/30/2020Plan Assets for Participants in GoalMaker $39,664,148 $36,602,812$43,067,234 $47,394,583# of Participants in GoalMaker 601 633 640 647Participation Rate in GoalMaker 17.8% 18.5% 18.7% 18.9%% of Plan Assets for GoalMaker Participants 13.3% 14.1% 14.0% 14.3%Prudential Book of Business For Plans Offering GoalMaker – As of 12/31/2019The participation rate in GoalMaker is 52.3%.The percentage of plan assets for GoalMaker participants is 21.7%. Percentage of Assets by GoalMaker® Participation Portfolio - As of 9/30/202016.7%30.6%52.7%ConservativeModerateAggressiveDue to rounding, pie chart may not equal 100%60 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 457(b) Deferred Compensation PlanPlan SummaryDefault Investor12/31/2019 3/31/2020 6/30/2020 9/30/2020Plan Assets for Participants in GoalMaker $0 $0 $0 $0# of Participants in GoalMaker 0 0 0 0 Participation Rate in GoalMaker0.0% 0.0% 0.0%0.0%% of Plan Assets for GoalMaker Participants0.0% 0.0% 0.0%0.0%Non-Default Investor12/31/2019 3/31/2020 6/30/2020 9/30/2020Plan Assets for Participants In GoalMaker $39,664,148 $36,602,812$43,067,234 $47,394,583# of Participants in GoalMaker 601 633 640 647Participation Rate in GoalMaker 17.8% 18.5% 18.7% 18.9%% of Plan Assets for GoalMaker Participants 13.3% 14.1% 14.0% 14.3%Total12/31/2019 3/31/2020 6/30/2020 9/30/2020Plan Assets for Participants In GoalMaker $39,664,148 $36,602,812$43,067,234 $47,394,583# of Participants in GoalMaker 601 633 640 647Participation Rate in GoalMaker 17.8% 18.5% 18.7% 18.9%% of Plan Assets for GoalMaker Participants 13.3% 14.1% 14.0% 14.3%Percentage of Assets byGoalMaker® Investor -As of 9/30/20200.0%100.0%Default InvestorNon-Default InvestorGoalMaker®Participation – Default vs Non-Default InvestorDue to rounding, pie chart may not equal 100%61 Plan SummaryOakland County 457(b) Deferred Compensation PlanFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Asset ClassLess than 25 25-34 35-44 45-54 55-6465+TotalStable Value$5,920 $59,250 $556,222 $4,769,918 $20,084,975 $19,476,937 $44,953,222Fixed Inc-Domestic$902 $137,096 $1,213,989 $5,643,005 $10,139,784 $6,390,620 $23,525,396Fixed Inc-Glbl / International$273 $10,953 $82,241 $1,236,526 $1,829,689 $885,122 $4,044,803Allocation$40,049 $1,565,494 $4,714,695 $16,199,730 $26,105,600 $22,746,943 $71,372,511Equity - U.S. Large$29,658 $1,518,201 $8,335,031 $34,724,506 $36,754,218 $41,493,807 $122,855,422Equity - U.S. Mid/Small$34,153 $756,226 $3,983,874 $11,471,280 $9,718,805 $6,150,573 $32,114,912Equity - Glbl / International$13,821 $528,437 $2,803,988 $9,439,798 $6,279,907 $3,482,764 $22,548,716Alternative / Other$145 $18,792 $1,006,863 $4,830,085 $3,173,604 $1,727,504 $10,756,993Total Assets$124,921 $4,594,450 $22,696,902 $88,314,848 $114,086,583 $102,354,270 $332,171,975% of Assets0.0%1.4%6.8% 26.6% 34.3% 30.8% 100.0% Active Participants41460571866544115 2,597 Terminated Participants33861123228285738 Suspended Participants0012126 Other Participants*0379283885Total Participants**44501640 1,000801440 3,426Avg Account Balance$2,839 $9,171 $35,464 $88,315 $142,430 $232,623 $96,956Asset Allocation by Age Group as of September 30, 2020*Participant(s) who are not active, terminated or suspended, but have an account balance greater than $0 (e.g. break-in-service, rehire, etc.).**Total column for participant count is a sum of participants across each age group. E.g. If a participant has both a main account and beneficiary account within different age groups (decedent's date of birth), that participant will be counted twice.62 Plan SummaryOakland County 457(b) Deferred Compensation PlanFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.INVESTMENT OPTIONSLess than 25 25-3435-4445-5455-6465+TotalFIDELITY GROWTH COMPANY K6 FUND$16,640 $593,603 $4,251,403 $18,995,438 $18,929,228 $23,580,994 $66,367,305GUARANTEED INCOME FUND$5,920 $59,250 $556,222 $4,769,918 $20,084,975 $19,476,937 $44,953,222FIDELITY 500 INDEX FUND$499 $518,877 $1,804,803 $8,193,886 $10,789,268 $11,744,580 $33,051,912T. ROWE PRICE NEW HORIZONS FUND$26,883 $433,784 $1,888,736 $5,237,176 $5,735,461 $2,773,713 $16,095,754FIDELITY PURITAN FUND$0$7,230 $315,658 $3,343,449 $5,156,511 $6,574,962 $15,397,811PGIM TOTAL RETURN BOND FUND -CLASS Z$661 $86,544 $520,098 $3,749,981 $6,601,865 $3,716,668 $14,675,817JPMORGAN EQUITY INCOME FUND CLASS R5$5,400 $272,818 $1,533,453 $4,645,762 $3,404,499 $2,442,077 $12,304,009TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS$243$3,901 $56,178 $1,519,957 $5,711,938 $4,849,549 $12,141,765LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND$7,119 $132,893 $733,160 $2,833,935 $3,474,484 $3,726,157 $10,907,749TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS$0$0 $72,827 $895,168 $7,047,788 $1,299,939 $9,315,722SELF DIRECTED BROKERAGE ACCOUNT$0$8,757 $803,364 $4,149,397 $2,428,862 $1,505,077 $8,895,458MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3$7,288 $203,975 $1,343,429 $4,447,542 $2,013,988 $788,052 $8,804,273TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS$0$6,250$279,547 $3,760,870 $2,397,004 $306,166 $6,749,836AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E$252 $127,937 $497,886 $2,060,123 $1,779,548 $1,702,324 $6,168,070TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS$0 $15,005 $640,271 $3,037,974 $1,107,533 $139,590 $4,940,373EATON VANCE ATLANTA CAPITAL SMID-CAP FUND CLASS A$1,727 $72,553 $574,668 $2,069,149 $1,263,984 $776,332 $4,758,413VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A$1,633 $110,150 $554,278 $1,702,404 $1,073,431 $1,156,924 $4,598,821TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS$0 $37,207 $1,319,484 $2,334,191 $597,013 $261,363 $4,549,258TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS$0$0$0 $10,884 $1,618,133 $2,484,889 $4,113,907BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A$273 $10,953 $82,241$1,236,526 $1,829,689 $885,122 $4,044,803FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND$0 $34,584 $453,467$537,546 $1,790,145 $1,181,285 $3,997,027TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS$0$0 $27,343 $213,655 $768,664 $2,987,167 $3,996,830FIDELITY EMERGING MARKETS INDEX FUND$2,813 $126,936 $594,291 $1,837,347 $901,192 $266,240 $3,728,819FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I$1,695 $74,451 $500,506 $1,543,037 $764,592 $458,329 $3,342,609TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS$0$3,275 $22,524 $139,170 $392,676 $1,926,467 $2,484,113PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND$0$670$4,096 $211,869 $476,643 $1,740,081 $2,433,358FIDELITY SMALL CAP INDEX FUND$2,085 $43,866 $316,502 $648,906 $532,349 $781,840 $2,325,549TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS$749 $308,351 $1,457,442 $439,727 $10,765$6,387 $2,223,420PGIM HIGH YIELD FUND- CLASS Z$241$6,232 $55,836 $359,715 $761,988 $708,355 $1,892,367FIDELITY INTERNATIONAL INDEX FUND$11 $12,464 $145,866 $491,618 $618,798 $546,355 $1,815,113COHEN & STEERS REALTY SHARES FUND CLASS L$145$9,542 $184,587 $634,235 $688,705 $207,741 $1,724,955AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5$3,458 $54,712 $178,840 $491,894 $779,005 $89,612 $1,597,521PIMCO INCOME FUND CLASS A$0$6,075 $139,000 $660,588 $378,030 $198,196 $1,381,891TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS$3,819 $556,462 $469,247 $70,855 $175,797$2 $1,276,182COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS$0$2,266 $14,466 $110,969 $328,120 $559,577 $1,015,397FIDELITY MID CAP INDEX FUND$130 $21,423 $149,183 $270,607 $348,989 $203,435 $993,766COLUMBIA INCOME BUILDER FUND ADVISOR CLASS$0$0 $18,718 $178,092 $458,861 $170,380 $826,051DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS$0$1,395 $31,121 $224,206 $279,636 $26,539 $562,897TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS$9,632 $513,017 $22,293$9,843$2,756$0 $557,540GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS$0$2,413 $43,676 $111,274 $187,377 $90,180 $434,920TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS$25,608 $114,126$9,068 $34,025 $183,517$0 $366,344VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL$0$10 $12,211 $55,485 $156,740$0 $224,446BNY MELLON NATURAL RESOURCES FUND CLASS I$0$493 $18,912 $46,454 $56,037 $14,685 $136,580Total Assets$124,921 $4,594,450 $22,696,902 $88,314,848 $114,086,583 $102,354,270 $332,171,975% of Assets0.0%1.4%6.8%26.6%34.3%30.8% 100.0%Total Participants445016401,0008014403,426Avg. Account Balance$2,839$9,171 $35,464 $88,315 $142,430 $232,623 $96,956Fund Allocation by Age Group as of September 30, 202063 INVESTMENT OPTIONSLess than 25 25-3435-4445-5455-6465+TotalFIDELITY GROWTH COMPANY K6 FUND211722595353851911,563GUARANTEED INCOME FUND10781282923912421,141FIDELITY 500 INDEX FUND399141314244150951T. ROWE PRICE NEW HORIZONS FUND21222274446301991,363FIDELITY PURITAN FUND1750158163118497PGIM TOTAL RETURN BOND FUND -CLASS Z81321573142841171,012JPMORGAN EQUITY INCOME FUND CLASS R517190244386261951,193TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS116336859168LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND810212520415771667TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS005269616143SELF DIRECTED BROKERAGE ACCOUNT0218423413109MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R31211814426016346743TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS02181026813203AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E49813622416179702TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS042711892160EATON VANCE ATLANTA CAPITAL SMID-CAP FUND CLASS A1212519233122369952VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A16195230360253901,144TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS05907591180TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS0003243360BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A5487020617857564FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND01525637248223TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS0057144470FIDELITY EMERGING MARKETS INDEX FUND14189214342211531,023FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I15188229367235771,111TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS03814173375PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND02583624FIDELITY SMALL CAP INDEX FUND12540675425212TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS233921232144PGIM HIGH YIELD FUND- CLASS Z21427716029203FIDELITY INTERNATIONAL INDEX FUND16472765128292COHEN & STEERS REALTY SHARES FUND CLASS L11434574816170AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-567375101659329PIMCO INCOME FUND CLASS A05113926889TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS48141641137COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS03821282181FIDELITY MID CAP INDEX FUND11019423512119COLUMBIA INCOME BUILDER FUND ADVISOR CLASS00923301072DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS0331717343TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS287331096GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS 0 5172222 773TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS824422040VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL0114208BNY MELLON NATURAL RESOURCES FUND CLASS I03112116657Total Participants445016401,0008014403,426Average # of Funds Per Participant4.54.95.15.85.64.55.3Plan SummaryOakland County 457(b) Deferred Compensation PlanFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Participant Count by Fund by Age Group as of September 30, 202064 35Oakland County 457(b) Deferred Compensation PlanPlan SummaryFor Plan Sponsor or Consultant Use OnlyAssets and contributions reflect actual participant account balances and do not include outstanding loan balances, forfeitures, and / or expense account assets.Customer should promptly report any inaccuracy or discrepancy to the brokerage firm(s).All oral communications should be re-confirmed in writing to protect the customer’s legal rights, including rights under the Securities Investor Protection act (SIPA).This information should not be considered an offer or solicitation of securities, insurance products or services. No offer is intended nor should this material be construed as an offer of any product. The information is being presented by us solely in our role as the plan’s service provider and or record keeper. Retirement products and services are provided by Prudential Retirement Insurance and Annuity Company, Hartford, CT, or its affiliates.© 2020 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide.Prudential’s Book of Business averages are as of 12/31/2019.65 Section III:Oakland County 457(b) PTNE PlanPlan Summary – 940090Oakland County 457(b) PTNE PlanFor Plan Sponsor or Consultant Use Only 66 Plan Summary and Benchmark TrendsOakland County 457(b) PTNE PlanFor Plan Sponsor or Consultant Use Only 67 Oakland County 457(b) PTNE PlanFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Historical Plan Statistics*Includes RolloversHistorical Plan Statistics6/30/20207/31/20208/31/20209/30/20206/30/20207/31/20208/31/20209/30/2020Total Participants Balances$11,111,089$11,512,642$11,981,933$11,809,159Contributions*$82,729$88,256$94,990$93,046Distributions*($41,583)($66,418)($29,644)($39,146)Cash Flow$41,146$21,838$65,346$53,900Account BalancesAverage Participant Balance$3,942$4,061$4,153$4,051Participation / DeferralsTotal Participants with a Balance2,8192,8352,8852,915Asset Allocation% of Plan Assets in Stable Value3.1%3.0%3.0%2.8%Number of Participants in One Fund1,7091,7311,7851,818Number of Participants in Four or More Funds7778DistributionsTotal Number of All Withdrawals*17161421 Termination$28,979$59,499$27,270$30,818 Hardship$0$0$0$0 In Service$0$0$0($814) Coronavirus-Related Withdrawal$0$0$0$0 Subtotal of Termination, Hardship, Inservice, Coronavirus-Related Withdrawal$28,979$59,499$27,270$30,004Amount of Distributions Representing Rollovers$18,501$46,736$2,717$10,096% of Assets Distributed*0.4%0.6%0.2%0.3%68 Oakland County 457(b) PTNE PlanFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Plan SummaryPlan Demographics Summary6/30/2020 4/1/20204/1/2020-6/30/20207/1/2020-9/30/2020Total Participants* 2,819 2,915 Active Participants 1,764 1,776 Terminated Participants 991 1,077 Other Participants** 64 62Average Participant Balance $3,942 $4,051 Average Account Balance for Active Participants $4,553 $4,746Median Participant Balance $1,733 $1,812 Median Participant Balance for Active Participants $1,817 $1,913Participants Age 50 and Over 1,018 1,041 Total Assets for Participants Age 50 and Over $7,217,585 $7,605,166Total (Contributions + Rollovers In) $353,077 $276,292 Employee Contributions $220,260 $228,617 Employer Contributions $46,184 $47,675 Rollovers In $86,633 $0Total Distributions ($134,893) ($135,208)Percentage of Assets Distributed 1.2% 1.1%Market Value Gain / Loss**** $1,322,029 $556,986Total Participant Balances $11,111,089 $11,809,159****This is not the equivalent of a plan level return on investment due to the timing of additions, distributions and underlying investment performance. *Participant(s) with an account balance greater than $0. **Participant(s) who are not active, terminated or suspended, but have an account balance greater than $0 (e.g. break-in-service, rehire, etc.). Rollovers In is the total dollars credited to participant accounts within the period defined that originated in other qualified retirement plan accounts.69 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 457(b) PTNE PlanPlan SummaryPlan FeaturesStable Value6/30/2020 9/30/2020Participation Rate in Stable Value1.3%1.2%% of Plan Assets in Stable Value3.1%2.8%Prudential % of Plan Assets in Stable Value - As of 12/31/201922.1%Participant Activity Call Center4/1/2020 - 6/30/20207/1/2020 - 9/30/2020Total Call Volume94 98Transaction SummaryTransactions4/1/2020 - 6/30/20207/1/2020 - 9/30/2020Total Enrollees* 58 132Number of Participants with Transfers 3 5Distributions5851*Number of participants that were enrolled into the plan within the reporting period. This can include those individuals w ho self enrolled or auto enrolled, if applicable on the plan. Rehires may not be included if their original enrollment date falls outside the reporting period.70 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 457(b) PTNE PlanPlan SummaryAsset Allocation/Net Activity By AgeJuly 1, 2020 to September 30, 2020Less than 25 25-3435-4445-5455-6465+TotalTotal Participant Balances$734,778 $1,578,120 $1,192,948 $1,575,895 $2,517,317 $4,210,101 $11,809,159% Assets6.2%13.4%10.1%13.3%21.3%35.7%100.0% Contributions$56,651 $21,599 $20,060 $33,914 $70,440 $73,629 $276,292Total (Contributions + Rollovers In)$56,651 $21,599 $20,060 $33,914 $70,440 $73,629 $276,292 Cash Distributions($9,255) ($9,259) ($1,881) ($4,381) ($33,165) ($17,720) ($75,660) Rollovers Out($1,576) ($3,169)$0 ($5,222) ($25,951) ($23,631) ($59,548)Total (Cash Distributions + Rollovers Out)($10,830) ($12,427) ($1,881) ($9,602) ($59,116) ($41,351) ($135,208)Net Activity$45,821$9,171 $18,179 $24,312 $11,323 $32,277 $141,084Total Participants8716002652794144862,915Average Account Balance$844$2,630$4,502$5,648$6,080$8,663$4,051Prudential Avg. Account Balance as of 12/31/2019$3,645 $16,118 $46,246 $89,262 $123,641 $125,460$73,876Median Account Balance$474$1,997$2,725$2,581$3,596$6,452$1,812Prudential Median Account Balance as of 12/31/2019$4,531 $11,969 $31,729 $52,216 $78,108 $116,384$70,89571 Retirement ReadinessOakland County 457(b) PTNE PlanFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.72 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 457(b) PTNE PlanPlan SummaryRetirement Income Calculator (RIC) AnalysisTotal Retirement Income Calculator Completions - Number of RIC completions for the given time period. If a single participant completed the RIC multiple times within the given time period, they would be counted multiple times.Unique Completions: Total number of unique active/eligibles that completed the retirement income calculator during the reporting periodContribution Rate Increases: Total number of active/eligibles that completed the retirement income calculator and increased their contribution rate.Average Balance RIC Participant - For participants who have a balance greater than $0 that have previously completed the RIC - The total balance of active participants divided by the total count of active participantsAverage Balance Non-RIC Participant - For participants who have a balance greater than $0 that have NOT previously completed the RIC - The total balance of active participants divided by the total count of active participantsAverage Contribution Rate RIC Participant - For participants who have completed the RIC - The total of all contribution rates (%) for active participants who have completed the RIC divided by the number of active participants that have completed the RIC who have non-zero contribution rates.Average Contribution Rate Non RIC Participant - For participants who have NOT completed the RIC - The total of all contribution rates (%) for active participants who have completed the RIC divided by the number of active participants that have completed the RIC who have non-zero contribution rates.Average Income Replacement, RIC Participant - Calculated by summing the income replacement percentages of all active, eligible & suspended participants who have completed the RIC divided by the total count of all those active, eligible & suspended participants that have completed the RIC. Individuals not enrolled in the plan are excluded from the calculation.Average Income Replacement, Non- RIC Participant - Calculated by summing the income replacement percentages of all active, eligible & suspended participants who have not completed the RIC divided by the total count of all those active, eligible & suspended participants that have completed the RIC. Individuals not enrolled in the plan are excluded from the calculation.Participant - An individual who has enrolled in the plan and has a non-zero account balance.Total Retirement Income Calculator Completions9Unique Completions9Average Balance, RIC Participant$6,986Average Balance, Non-RIC Participant$4,547Total Count of Participants w ith a RIC Gap47Average RIC Gap $4,648Total Count of Participants w ith a RIC Surplus38Average RIC Surplus $3,796Average Income Replacement, RIC Participant88%Note - due to market volatility and COVID, the numbers might be low er than prior quarters.Since Inception for Currently Active Participants as of 9/30/20207/1/2020 - 9/30/202073 Plan ActivityOakland County 457(b) PTNE PlanFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.74 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.INVESTMENT OPTIONS4/1/2020 - 6/30/2020 % 7/1/2020 - 9/30/2020 %Change%TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS$45,70517.2%$63,98223.2%$18,27740.0%TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS$39,41314.8%$36,69613.3%($2,718)-6.9%TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS$29,69111.1%$32,24411.7%$2,5528.6%TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS$33,21912.5%$30,23210.9%($2,988)-9.0%TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS$25,1359.4%$22,9418.3%($2,194)-8.7%TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS$17,8996.7%$17,8216.5%($79)-0.4%TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS$21,2398.0%$17,7866.4%($3,453) -16.3%TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS$14,6465.5%$12,3444.5%($2,302) -15.7%TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS$13,7685.2%$12,0434.4%($1,725) -12.5%TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS$10,1293.8%$9,1463.3%($983)-9.7%TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS$7,8002.9%$8,9093.2%$1,10914.2%TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS$5,5972.1%$8,7513.2%$3,15456.3%GUARANTEED INCOME FUND$2,2010.8%$3,3991.2%$1,19854.4%Total Assets Contributed$266,444100.0%$276,292100.0%$9,8483.7%Contributions by FundOakland County 457(b) PTNE PlanPlan Summary75 INVESTMENT OPTIONSINOUTNETTIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS$21,730$0$21,730TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS$5,146$0$5,146TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS$2,650($5,146)($2,496)TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS$0($3,068)($3,068)TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS$0($8,522)($8,522)GUARANTEED INCOME FUND$7,839($20,629)($12,790)TOTAL$37,366($37,366)$07/1/2020 to 9/30/2020For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Plan SummaryOakland County 457(b) PTNE PlanInterfund Transfers76 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Participant Distribution StatisticsOakland County 457(b) PTNE PlanPlan SummaryTotalAmount of Withdrawals Taken4/1/2020 - 7/1/2020 -4/1/2020 - 7/1/2020 -Distribution Type6/30/2020 9/30/2020 Change % Change 6/30/2020 9/30/2020 Change % ChangeTermination$110,286 $117,587 $7,3017%4940(9)-18%Death Distribution$22,535 $14,659 ($7,876)-35%32(1)-33%Installment Payment$2,072$2,103$311%6600%QDRO$0$1,673 $1,673n/a011n/aIn-Service Withdrawal$0-$814($814)n/a022n/aGrand Total$134,893 $135,208$3150%5851(7)-12%# of WithdrawalsTermination - A withdraw al that is taken when the participant is active and terminating from employment or is already in a 'Terminated' status.Death Distribution - Distribution taken by a beneficiary. This could include required minimum distributions, installment payments, etc.Installment Payment - An Installment distribution is a payment option that disburses funds over time (i.e. monthly, quarterly, yearly).QDRO - Distribution taken by the recipient of a QDRO. This could include required minimum distributions, installment payments, etc.In-Service Withdrawal - A distribution that is taken while the participant is still active, before termination from employment.Distribution Sub-TypeAge < 50 Age >= 50 TotalAge < 50 Age >= 50 TotalRollover$6,421 $53,127 $59,5486612Cash$24,775 $50,885 $75,660182139Grand Total$31,196 $104,013 $135,208242751Amount of Withdrawals Taken# of Withdrawals7/1/2020 - 9/30/202077 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Rollover Distributions StatisticsOakland County 457(b) PTNE PlanPlan SummaryRollover InstitutionRollover Distribution Amount# of Ppts Rollover InstitutionRollover Distribution Amount# of Ppts Rollover InstitutionRollover Distribution Amount# of Ppts Rollover InstitutionRollover Distribution Amount# of PptsFidelity $31,573 3 Fifth Third Bank $18,594 1 LPL $17,833 2 Morgan Stanley$23,090 1Direct Transfer to 940080 $30,794 6 Prudential$12,401 2 NFS$3,235 2 Charles Schw ab$17,181 1PNC Investments$16,748 2 Charles Schwab$12,231 2 Primerica$2,251 1 Edw ard Jones$6,450 1Merrill Lynch$10,584 1 TD Ameritrade$6,768 2 Charles Schw ab$2,184 1 Pershing$5,222 2Prudential$8,663 2 State of Michigan 401k Plan $5,845 2 E Trade$2,065 1 Prudential$3,169 1Community Financial CU $7,051 1 Fidelity$4,987 2 Fidelity$1,227 2 Fidelity$3,154 2JP Morgan$4,979 1 Athene$4,427 1 TIAA$1,176 1 Michigan Education Savings Program $724 1Morgan Stanley$3,143 1 Thrift Savings Plan$3,873 1 Prudential$624 1 Guideline$333 1Genesys CU$3,104 1 Direct Transfer to 940080 $3,791 2 JP Morgan$518 1 Vibe CU$145 1Great West$2,342 1 Merrill Lynch$3,469 2 Ally Bank$368 1 State of Michigan 457 Plan$82 1Thrift Savings Plan$2,106 1 Principal$3,244 1 Capital Bank & Trust $292 1 Total$59,548 12Charles Schw ab$1,360 1 USAA$2,957 1 Total$31,771 14First Bank$591 1 Edw ard Jones$1,809 1Pershing$484 1 Raymond James$511 1Verde Capital Mgmt$44 1 Vanguard$332 1Total$123,568 24 Total$85,238 2210/1/2019 - 12/31/20191/1/2020 - 3/31/20204/1/2020 - 6/30/20207/1/2020 - 9/30/202078 Participant Transaction StatisticsFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 457(b) PTNE PlanPlan SummaryDefinitions:Unique Callers – The number of individuals that spoke to a Participant Service Center Representative during the reporting period (e.g., If thesame individual called five times during the reporting period, they would only be counted once). Total Call Volume – The number of calls to a Participant Service Center Representative during the reporting period (e.g., If the same individual called five times during the reporting period, they would be counted five times). 10/1/2019 - 12/31/20191/1/2020 - 3/31/20204/1/2020 - 6/30/20207/1/2020 - 9/30/2020Call CenterUnique Callers126976969Total Call Volume1891259498Participant WebsiteUnique Web Logins461532425471Total Web Logins4,6715,3977,7078,243Call Center Reason Category10/1/2019 - 12/31/20191/1/2020 - 3/31/20204/1/2020 - 6/30/20207/1/2020 - 9/30/2020Account Explanations37222226Allocation Changes & Exchange0112Contributions3101Disbursements123845856Enrollments0100Forms0000Fund Information0020Hardships0000IFX1000IVR or Web Assistance4011Loans3310Other6246Payment Questions0000Plan Explanations1333Regen Reg Letter0000Status of Research0201Tax Information0410Website Processing11212Total189125949879 Investment DiversificationOakland County 457(b) PTNE PlanFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.80 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.0%10%20%30%40%50%60%70%80%90%100%Less than 25 25-3435-4445-5455-6465+Stable ValueAllocationLess than 25 25-34 35-44 45-54 55-64 65+ TotalParticipants Invested in Only One Fund 655 416 181 169 190 207 1,818Average # of Funds per Participant 1.3 1.3 1.3 1.4 1.6 1.6 1.4Prudential Participants Avg. # of Funds per Participant as of 12/31/2019 5.5 5.5 5.5 5.5 5.3 4.2 5.3% of Plan Assets in Stable Value 0.0% 0.7% 0.5% 0.5% 6.2% 3.7% 2.8%Prudential % of Plan Assets in Stable Value as of 12/31/2019 9.0% 8.2% 10.3% 14.8% 25.3% 41.4% 22.1%Assets by Asset Class and Age as of September 30, 2020Oakland County 457(b) PTNE PlanPlan SummaryFund Utilization By Age as of September 30, 2020Asset AllocationAsset ClassYour Plan Assets as of 9/30/2020 Your Plan % as of 9/30/2020Stable Value $336,256 2.9%Allocation $11,472,903 97.2%Total Participant Balances $11,809,159 100.0%81 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 457(b) PTNE PlanPlan SummaryUtilization by Fundas of September 30, 2020INVESTMENT OPTIONSBalance % Invested in Fund # of PptsPpts Using as Sole InvestmentTIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS $1,928,828 16.3% 302 130TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS $1,436,72012.2%29150TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS$1,186,86710.1%278114TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS$1,166,3649.9%30176TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS$1,068,8009.1%397200TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS$1,032,6668.7%29662TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS$746,0496.3%20497TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS$740,6126.3%223112TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS$738,2236.3%219103TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS$612,2255.2%899650TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS$549,7254.7%324110GUARANTEED INCOME FUND$336,2562.8%3615TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS$265,8242.3%30299Total$11,809,159100.0%82 For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Oakland County 457(b) PTNE PlanPlan SummaryInvestment UtilizationDue to rounding, bar graph may not equal 100%83 Plan SummaryOakland County 457(b) PTNE PlanFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Asset ClassLess than 25 25-34 35-44 45-54 55-6465+TotalStable Value$0 $10,292 $6,133 $8,250 $156,646 $154,935 $336,256Allocation$734,778 $1,567,828 $1,186,814 $1,567,646 $2,360,670 $4,055,166 $11,472,903Total Assets$734,778 $1,578,120 $1,192,948 $1,575,895 $2,517,317 $4,210,101 $11,809,159% of Assets6.2% 13.4% 10.1% 13.3% 21.3% 35.7% 100.0% Active Participants471252159188324382 1,776 Terminated Participants389330947982103 1,077 Other Participants*111812128162Total Participants871600265279414486 2,915Asset Allocation by Age Group as of September 30, 2020*Participant(s) who are not active, terminated or suspended, but have an account balance greater than $0 (e.g. break-in-service, rehire, etc.).84 Plan SummaryOakland County 457(b) PTNE PlanFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.INVESTMENT OPTIONSLess than 25 25-3435-4445-5455-6465+TotalTIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS$8,610$5,280$815$1,696 $49,934 $1,862,493 $1,928,828TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS$0$357$2,714$847 $347,764 $1,085,039 $1,436,720TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS$0$391$19 $624,198 $434,780 $127,480 $1,186,867TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS$0$379$19 $190,889 $670,124 $304,955 $1,166,364TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS$8,571$790,754 $151,508$0 $19,795 $98,172 $1,068,800TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS$0$367$0$0 $618,409 $413,890 $1,032,666TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS$0$12,183 $484,063 $202,290 $10,624 $36,889 $746,049TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS$511 $188,224 $364,464 $128,974 $27,411 $31,029 $740,612TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS$0$403 $143,766 $394,424 $138,568 $61,062 $738,223TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS$477,746 $92,747$4,259 $16,605 $20,868$0 $612,225TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS$129,586 $341,785 $35,188$7,724$5,034 $30,407 $549,725GUARANTEED INCOME FUND$0 $10,292$6,133$8,250 $156,646 $154,935 $336,256TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS$109,754 $134,959$0$0 $17,360$3,751 $265,824Total Assets$734,778 $1,578,120 $1,192,948 $1,575,895 $2,517,317 $4,210,101 $11,809,159% of Assets6.2%13.4%10.1%13.3%21.3%35.7% 100.0%Total Participants8716002652794144862,915Avg. Account Balance$844$2,630$4,502$5,648$6,080$8,663$4,051Fund Allocation by Age Group as of September 30, 202085 INVESTMENT OPTIONSLess than 25 25-3435-4445-5455-6465+TotalTIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS 3514366238302TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS011161227291TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS01110016412278TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS0112519183301TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS16279840711397TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS0100130165296TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS03939846204TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS1631133754223TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS0132118617219TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS798941330899TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS8220922254324GUARANTEED INCOME FUND0441101736TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS1611360041302Total Participants8716002652794144862,915Average # of Funds Per Participant1.31.31.31.41.61.61.4Plan SummaryOakland County 457(b) PTNE PlanFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Participant Count by Fund by Age Group as of September 30, 202086 22Oakland County 457(b) PTNE PlanPlan SummaryFor Plan Sponsor or Consultant Use OnlyAssets and contributions reflect actual participant account balances and do not include outstanding loan balances, forfeitures, and / or expense account assets.Customer should promptly report any inaccuracy or discrepancy to the brokerage firm(s).All oral communications should be re-confirmed in writing to protect the customer’s legal rights, including rights under the Securities Investor Protection act (SIPA).This information should not be considered an offer or solicitation of securities, insurance products or services. No offer is intended nor should this material be construed as an offer of any product. The information is being presented by us solely in our role as the plan’s service provider and or record keeper. Retirement products and services are provided by Prudential Retirement Insurance and Annuity Company, Hartford, CT, or its affiliates.© 2020 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide.Prudential’s Book of Business averages are as of 12/31/2019.87 Section IV: Forfeiture AccountOakland County 401(A) Employees Retirement SystemFor Plan Sponsor or Consultant Use Only 88 Forfeiture AccountOakland County 401(A) Employees Retirement SystemFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Forfeiture Account Activity – QuarterJuly 1, 2020 through September 30, 2020Forfeiture Account Activity – Year to DateJanuary 1, 2020 through September 30, 2020Forfeiture Account Activity – Prior Year 2019SourceInvestmentBeginning Forfeiture BalanceAdditions ReductionsInvestment ResultsDividends / Capital GainsEnding Forfeiture Balance457B MATCHGuaranteed Income Fund 990.82 0.00 0.00 15.27 0.00 1,006.09EE MANDATORY PRETAXGuaranteed Income Fund 0.00 141.41 0.00 0.34 0.00 141.75EMPLOYER NONELECTIVE VESTING Guaranteed Income Fund 249,826.83 203,699.55 ( 75,616.39) 5,414.71 0.00 383,324.70 250,817.65 203,840.96 ( 75,616.39) 5,430.32 0.00 384,472.54Forfeiture Account YTD - 2020SourceInvestmentBeginning Forfeiture BalanceAdditions ReductionsInvestment ResultsDividends / Capital GainsEnding Forfeiture Balance457B MATCHGuaranteed Income Fund 968.87 0.14 0.00 21.81 0.00 990.82457B MATCHTiaa-cref Lifecycle Index Retirement Income Fund Institutional Class 0.13 0.00 ( 0.14) 0.01 0.00 0.00EMPLOYER NONELECTIVE VESTING Guaranteed Income Fund 149,703.74 1,470,965.16 ( 1,393,609.72) 22,767.65 0.00 249,826.83EMPLOYER NONELECTIVE VESTING Tiaa-cref Lifecycle Index Retirement Income Fund Institutional Class 963,314.28 0.00 ( 981,179.90) 17,865.62 0.00 0.00 1,113,987.02 1,470,965.30 ( 2,374,789.76) 40,655.09 0.00 250,817.65Forfeiture Account 2019SourceInvestmentBeginning Forfeiture BalanceAdditions ReductionsInvestment ResultsDividends / Capital GainsEnding Forfeiture Balance457B MATCHGuaranteed Income Fund 1,001.33 0.00 0.00 4.76 0.00 1,006.09EE MANDATORY PRETAXGuaranteed Income Fund 0.00 141.41 0.00 0.34 0.00 141.75EMPLOYER NONELECTIVE VESTING Guaranteed Income Fund 388,643.10 68,456.14 ( 75,616.39) 1,841.85 0.00 383,324.70 389,644.43 68,597.55 ( 75,616.39) 1,846.95 0.00 384,472.54Forfeiture Account 3Q2020 (7/1/20-9/30/20)89 35Oakland County 401(A) Employees Retirement SystemForfeiture AccountFor Plan Sponsor or Consultant Use OnlyAssets and contributions reflect actual participant account balances and do not include outstanding loan balances, forfeitures, and / or expense account assets.Customer should promptly report any inaccuracy or discrepancy to the brokerage firm(s).All oral communications should be re-confirmed in writing to protect the customer’s legal rights, including rights under the Securities Investor Protection act (SIPA).This information should not be considered an offer or solicitation of securities, insurance products or services. No offer is intended nor should this material be construed as an offer of any product. The information is being presented by us solely in our role as the plan’s service provider and or record keeper. Retirement products and services are provided by Prudential Retirement Insurance and Annuity Company, Hartford, CT, or its affiliates.© 2020 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide.Prudential’s Book of Business averages are as of 12/31/2019.90 Section V: Suspense AccountOakland County 401(A) Employees Retirement SystemFor Plan Sponsor or Consultant Use Only 91 Suspense AccountOakland County 401(A) Employees Retirement SystemFor Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.Suspense Account Activity – QuarterJuly 1, 2020 through September 30, 2020SourceInvestmentBeginning Suspense BalanceAdditions ReductionsInvestment ResultsDividends / Capital GainsEnding Suspense BalanceEE MANDATORY PRETAXGuaranteed Income Fund 1,625.82 1,500.00 0.00 11.37 0.00 3,137.19EMPLOYER NONELECTIVE VESTING Guaranteed Income Fund 59,893.28 4,943.66 0.00 297.98 0.00 65,134.92 61,519.11 6,443.66 0.00 309.35 0.00 68,272.1292 38Oakland County 401(A) Employees Retirement SystemSuspense AccountFor Plan Sponsor or Consultant Use OnlyAssets and contributions reflect actual participant account balances and do not include outstanding loan balances, forfeitures, and / or expense account assets.Customer should promptly report any inaccuracy or discrepancy to the brokerage firm(s).All oral communications should be re-confirmed in writing to protect the customer’s legal rights, including rights under the Securities Investor Protection act (SIPA).This information should not be considered an offer or solicitation of securities, insurance products or services. No offer is intended nor should this material be construed as an offer of any product. The information is being presented by us solely in our role as the plan’s service provider and or record keeper. Retirement products and services are provided by Prudential Retirement Insurance and Annuity Company, Hartford, CT, or its affiliates.© 2020 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide.Prudential’s Book of Business averages are as of 12/31/2019.93 Section VI: Service Standards GuaranteesOakland County Retirement PlansFor Plan Sponsor or Consultant Use Only 94 Performance Incentives Plan ID Plan Name 940070 Oakland County - 401(a) In the event that Prudential fails to meet a performance standard with respect to a service (as set forth in the administrative Service Agreement) for any quarter, Prudential shall make responsible efforts to rectify the situation and deliver against that standard in the next quarter. In addition, in the event that Prudential failed to improve its performance regarding the previously identified service within the next calendar quarter, Prudential will provide a “Reimbursement Amount” as described in this Exhibit in the subsequent quarter. In the event a Reimbursement Amount is due, that amount shall be either (i) applied against the Plan’s administrative expenses otherwise due to Prudential, or (ii) credited toward additional administrative services to be provided by Prudential to the Plan, or (iii) credited to a Plan Expense Account in accordance with the terms outlined in the administrative agreement. Prudential and the Plan Sponsor have agreed to the performance standards set forth below. Such standards shall apply to the plan recordkeeping and other administrative services Prudential is providing on behalf of the Plan. Text29Total dollars at risk each calendar year from service shortfalls related to plan services provided by Prudential on behalf of the Plan will be capped at $40,000 for the Plan Sponsor’s plans maintained on Prudential’s recordkeeping system. Amount at Risk GuaranteeService Results - 1st Quarter 2020 Results - 2nd Quarter 2020 Results - 3rd Quarter 2020 Results - 4th Quarter 2020 Participant Services Phone Response Time Participant Service Representitives Available Monday Through Friday 8 am to 9 pm ET (Excluding Holidays). Scheduled days before or after holidays the participant service center will close at 5:00PM ET. 80% of calls answered within 20 seconds for live operator, and an abandonment rate of less than 2%. If call volumes exceed 10% of normal or budgeted volumes the month would be excluded. $1,500 per quarter Hours of Operation: On Target Overall Service Level: 59% Overall Abandon Rate: 4.4% Hours of Operation: On Target Overall Service Level: 49% Overall Abandon Rate: 6.8% Hours of Operation: On Target; Overall Service Level 41%; Overall Abandon Rate: 9.1% Quarterly Statement Delivery 98% mailed or posted to the website within ten (10) business days after quarter close. Dependancy: Receipt of all necessary information (example, message approval) from the Plan Sponsor 3 weeks prior to the end of the quarter for which the statement period is appicable $1,500 per quarter On Target On Target On Target Loan Initiations 99% of loans processed within 2 business days provided the request is received in good order by 4 p.m. ET (2 p.m. ET for transactions involving company stock) $1,400 per quarter 100%100%100% Withdrawals, Hardships and Rollover Out 99% withdrawals processed within 2 business days provided the request is received in good order by 4 p.m.ET ( 2 p.m. ET for transactions involving company stock) $1,400 per quarter 96.0%100%100% Contribution Posting Prudential will post 99% of contributions and repayments to participant accounts within one (1) business day of receipt of good order request. $1,400 per quarter 100%100%100% 95 Amount at Risk GuaranteeService Results - 1st Quarter 2020 Results - 2nd Quarter 2020 Results - 3rd Quarter 2020 Results - 4th Quarter 2020 Plan Sponsor Reports Data for the Preceding quarter is available on the plan sponsor website within 10 business days after the quarter end. Plan sponsors can create customized, ad hoc reports via the Online Retirement Center for Plan Sponsors website. The website allows you to select from a wide range of data fields to include in your report, and to submit the report request instantly. The Plan Sponsor can also elect to receive an e- mail notification when the report is ready, typically within 24 hours. $1,400 per quarter 100%100%100% Participant Satisfaction 80 percent rating of Satisfied to Highly Satisfied on a 4-point scale $1,400 per quarter Overall Customer Satisfaction: 92% Overall Customer Satisfaction: 91.22% *** Survey Data represents 10.5 weeks vs 13 weeks of data due to a technical challenge Overall Customer Satisfaction: 90.73% Participant Level Investment Transfers 99% of fund transfers processed the same day if initiated by 4 p.m. ET (2 p.m. ET for transactions innvolving company stock) $1,400 per quarter 100%100%100% 96 Performance Incentives Plan ID Plan Name 940080 Oakland County - 457(b) In the event that Prudential fails to meet a performance standard with respect to a service (as set forth in the administrative Service Agreement) for any quarter, Prudential shall make responsible efforts to rectify the situation and deliver against that standard in the next quarter. In addition, in the event that Prudential failed to improve its performance regarding the previously identified service within the next calendar quarter, Prudential will provide a “Reimbursement Amount” as described in this Exhibit in the subsequent quarter. In the event a Reimbursement Amount is due, that amount shall be either (i) applied against the Plan’s administrative expenses otherwise due to Prudential, or (ii) credited toward additional administrative services to be provided by Prudential to the Plan, or (iii) credited to a Plan Expense Account in accordance with the terms outlined in the administrative agreement. Prudential and the Plan Sponsor have agreed to the performance standards set forth below. Such standards shall apply to the plan recordkeeping and other administrative services Prudential is providing on behalf of the Plan. Text29Total dollars at risk each calendar year from service shortfalls related to plan services provided by Prudential on behalf of the Plan will be capped at $40,000 for the Plan Sponsor’s plans maintained on Prudential’s recordkeeping system. Amount at Risk GuaranteeService Results - 1st Quarter 2020 Results - 2nd Quarter 2020 Results - 3rd Quarter 2020 Results - 4th Quarter 2020 Participant Services Phone Response Time Participant Service Representitives Available Monday Through Friday 8 am to 9 pm ET (Excluding Holidays). Scheduled days before or after holidays the participant service center will close at 5:00PM ET. 80% of calls answered within 20 seconds for live operator, and an abandonment rate of less than 2%. If call volumes exceed 10% of normal or budgeted volumes the month would be excluded. $1,500 per quarter Hours of Operation: On Target Overall Service Level: 59% Overall Abandon Rate: 4.4% Hours of Operation: On Target Overall Service Level: 49% Overall Abandon Rate: 6.8% Hours of Operation: On Target; Overall Service Level 41%; Overall Abandon Rate: 9.1% Quarterly Statement Delivery 98% mailed or posted to the website within ten (10) business days after quarter close. Dependancy: Receipt of all necessary information (example, message approval) from the Plan Sponsor 3 weeks prior to the end of the quarter for which the statement period is appicable $1,500 per quarter On Target On Target On Target Loan Initiations 99% of loans processed within 2 business days provided the request is received in good order by 4 p.m. ET (2 p.m. ET for transactions involving company stock) $1,400 per quarter 100%100%100% Withdrawals, Hardships and Rollover Out 99% withdrawals processed within 2 business days provided the request is received in good order by 4 p.m.ET ( 2 p.m. ET for transactions involving company stock) $1,400 per quarter 100%100%100% Contribution Posting Prudential will post 99% of contributions and repayments to participant accounts within one (1) business day of receipt of good order request. $1,400 per quarter 100%100%100% 97 Amount at Risk GuaranteeService Results - 1st Quarter 2020 Results - 2nd Quarter 2020 Results - 3rd Quarter 2020 Results - 4th Quarter 2020 Plan Sponsor Reports Data for the Preceding quarter is available on the plan sponsor website within 10 business days after the quarter end. Plan sponsors can create customized, ad hoc reports via the Online Retirement Center for Plan Sponsors website. The website allows you to select from a wide range of data fields to include in your report, and to submit the report request instantly. The Plan Sponsor can also elect to receive an e- mail notification when the report is ready, typically within 24 hours. $1,400 per quarter 100%100%100% Participant Satisfaction 80 percent rating of Satisfied to Highly Satisfied on a 4-point scale $1,400 per quarter Overall Customer Satisfaction: 92% Overall Customer Satisfaction: 91.22% *** Survey Data represents 10.5 weeks vs 13 weeks of data due to a technical challenge Overall Customer Satisfaction: 90.73% Participant Level Investment Transfers 99% of fund transfers processed the same day if initiated by 4 p.m. ET (2 p.m. ET for transactions innvolving company stock) $1,400 per quarter 100%100%100% 98 Performance Incentives Plan ID Plan Name 940090 Oakland County - 457(b) In the event that Prudential fails to meet a performance standard with respect to a service (as set forth in the administrative Service Agreement) for any quarter, Prudential shall make responsible efforts to rectify the situation and deliver against that standard in the next quarter. In addition, in the event that Prudential failed to improve its performance regarding the previously identified service within the next calendar quarter, Prudential will provide a “Reimbursement Amount” as described in this Exhibit in the subsequent quarter. In the event a Reimbursement Amount is due, that amount shall be either (i) applied against the Plan’s administrative expenses otherwise due to Prudential, or (ii) credited toward additional administrative services to be provided by Prudential to the Plan, or (iii) credited to a Plan Expense Account in accordance with the terms outlined in the administrative agreement. Prudential and the Plan Sponsor have agreed to the performance standards set forth below. Such standards shall apply to the plan recordkeeping and other administrative services Prudential is providing on behalf of the Plan. Text29Total dollars at risk each calendar year from service shortfalls related to plan services provided by Prudential on behalf of the Plan will be capped at $40,000 for the Plan Sponsor’s plans maintained on Prudential’s recordkeeping system. Amount at Risk GuaranteeService Results - 1st Quarter 2020 Results - 2nd Quarter 2020 Results - 3rd Quarter 2020 Results - 4th Quarter 2020 Participant Services Phone Response Time Participant Service Representitives Available Monday Through Friday 8 am to 9 pm ET (Excluding Holidays). Scheduled days before or after holidays the participant service center will close at 5:00PM ET. 80% of calls answered within 20 seconds for live operator, and an abandonment rate of less than 2%. If call volumes exceed 10% of normal or budgeted volumes the month would be excluded. $1,500 per quarter Hours of Operation: On Target Overall Service Level: 59% Overall Abandon Rate: 4.4% Hours of Operation: On Target Overall Service Level: 49% Overall Abandon Rate: 6.8% Hours of Operation: On Target; Overall Service Level 41%; Overall Abandon Rate: 9.1% Quarterly Statement Delivery 98% mailed or posted to the website within ten (10) business days after quarter close. Dependancy: Receipt of all necessary information (example, message approval) from the Plan Sponsor 3 weeks prior to the end of the quarter for which the statement period is appicable $1,500 per quarter On Target On Target On Target Loan Initiations 99% of loans processed within 2 business days provided the request is received in good order by 4 p.m. ET (2 p.m. ET for transactions involving company stock) $1,400 per quarter 100%100%100% Withdrawals, Hardships and Rollover Out 99% withdrawals processed within 2 business days provided the request is received in good order by 4 p.m.ET ( 2 p.m. ET for transactions involving company stock) $1,400 per quarter 100%100%100% Contribution Posting Prudential will post 99% of contributions and repayments to participant accounts within one (1) business day of receipt of good order request. $1,400 per quarter 100%100%100% 99 Amount at Risk GuaranteeService Results - 1st Quarter 2020 Results - 2nd Quarter 2020 Results - 3rd Quarter 2020 Results - 4th Quarter 2020 Plan Sponsor Reports Data for the Preceding quarter is available on the plan sponsor website within 10 business days after the quarter end. Plan sponsors can create customized, ad hoc reports via the Online Retirement Center for Plan Sponsors website. The website allows you to select from a wide range of data fields to include in your report, and to submit the report request instantly. The Plan Sponsor can also elect to receive an e- mail notification when the report is ready, typically within 24 hours. $1,400 per quarter 100%100%100% Participant Satisfaction 80 percent rating of Satisfied to Highly Satisfied on a 4-point scale $1,400 per quarter Overall Customer Satisfaction: 92% Overall Customer Satisfaction: 91.22% *** Survey Data represents 10.5 weeks vs 13 weeks of data due to a technical challenge Overall Customer Satisfaction: 90.73% Participant Level Investment Transfers 99% of fund transfers processed the same day if initiated by 4 p.m. ET (2 p.m. ET for transactions innvolving company stock) $1,400 per quarter 100%100%100% 100 Section VII: Monthly Activity Report – Q3 2020Oakland County Retirement PlansFor Plan Sponsor or Consultant Use Only 101 Oakland County Retirement PlansFor Plan Sponsor or Consultant Use Only Monthly Activity ReportOnsite Education Results Q3 2020Reported ActivityAction TakenGroup Meetings Group AttendeesIndividualMeetingsTotal ParticipantsReachedTotal Webinars Conducted Oakland County Retirement Quarterly Reporting6232245 6EnrollmentContrib. IncreasesRollover ($)Quarterly Totals23$0102 280 Trumbull StreetHartford, CT 06103© 2020 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo, the Rock symbol and Bring Your Challenges are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide.