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Reports - 2021.08.12 - 34767
For Institutional Plan Sponsor use only. Not to be distributed to plan participants or the general public. Oakland County Retirement Plans Presented by: Stephanie Biddle, Vice President, Key Accounts As Of: June 30, 2021 Report contains information up through the last business day of end period. PLAN SUMMARY For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. Table of Contents Section I Oakland County 401(A) Employees Retirement System Plan Summary –940070 Section II Oakland County 457(b) Deferred Compensation Plan Plan Summary –940080 Section III Oakland County 457(b) PTNE Plan Plan Summary –940090 Section IV Monthly Activity Report –Q2 2021 Section V Forfeiture Account Section VI Suspense Account Section VII Service Standards Guarantees 2 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. Section I: Oakland County 401(A) Employees Retirement System Plan Summary –940070 3 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. PLAN SUMMARY AND BENCHMARK TRENDS 4 Plan Summary Historical Plan Statistics 9/30/2020 12/31/2020 3/31/2021 6/30/2021 7/1/2020 - 9/30/2020 10/1/2020 - 12/31/2020 1/1/2021 - 3/31/2021 4/1/2021 - 6/30/2021 Total Participants Balances $712,167,000 $791,650,616 $805,522,154 $847,406,701 Contributions*$7,490,660 $8,715,129 $9,339,436 $9,523,712 Distributions*($5,913,062) ($6,183,722) ($13,849,569) ($15,142,631) Cash Flow $1,577,599 $2,531,407 ($4,510,133) ($5,618,919) Market Value Gain / Loss**$45,851,558 $77,010,802 $18,508,623 $47,597,680 Account Balances Average Participant Balance $134,422 $148,946 $151,585 $159,437 Participation / Deferrals Total Participants with a Balance 5,298 5,315 5,314 5,315 Asset Allocation % of Plan Assets in Stable Value 10.6%10.3%10.8%10.0% % of Plan Assets for GoalMaker Participants 17.8%17.5%18.3%18.6% Participation Rate in GoalMaker 11.1%11.1%11.5%11.7% Number of Participants in GoalMaker 590 588 613 624 Number of Participants in One Fund 1,449 1,497 1,533 1,577 Number of Participants in Four or More Funds 1,957 1,958 1,961 1,955 Distributions Number of Distributions*554 612 613 594 Termination $3,252,443 $4,803,483 $10,989,204 $13,395,352 Hardship $0 $0 $0 $0 In Service $721,950 $78,109 $202,907 $96,775 Coronavirus-Related Withdrawal $0 $0 $0 $0 Amount of Distributions $5,913,062 $6,183,722 $13,849,569 $15,142,631 Amount of Distributions Representing Rollovers $2,768,130 $3,019,087 $9,388,050 $11,693,807 % of Assets Distributed*0.8%0.8%1.7%1.8% Loans Number of New Loans 95 73 74 75 Number of Outstanding Active Loans 1,083 1,094 1,074 1,046 Average Loan Balance $7,564 $7,437 $7,363 $7,479 *Includes Rollovers, Coronavirus-Related Distributions & Repayments, and Qualified Birth or Adoption Distributions & Repayments if applicable on the plan. **This is not the equivalent of a plan level return on investment due to the timing of additions, distributions and underlying investment performance. For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Oakland County 5 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Plan Demographics Summary 3/31/2021 1/1/2021 1/1/2021- 3/31/2021 4/1/2021- 6/30/2021 Total Participants*5,314 5,315 Active Participants 3,558 3,474 Terminated Participants 1,638 1,723 Other Participants**115 115 Multiple Status Participants***3 3 Average Participant Balance $151,585 $159,437 Average Account Balance for Active Participants $170,992 $177,161 Median Participant Balance $56,014 $58,858 Median Participant Balance for Active Participants $84,707 $90,309 Participants Age 50 and Over 2,438 2,441 Total Assets for Participants Age 50 and Over $528,292,483 $556,000,070 Total (Contributions + Rollovers In)$9,339,436 $9,523,712 Employee Contributions $2,365,553 $2,742,943 Employer Contributions $6,846,932 $6,686,555 Rollovers In $126,952 $94,213 Total Distributions ($13,849,569) ($15,142,631) Percentage of Assets Distributed 1.7%1.8% Market Value Gain / Loss****$18,508,623 $47,597,680 Total Participant Balances $805,522,154 $847,406,701 *** 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. Oakland County 401(A) Employees Retirement System 6 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Plan Features GoalMaker 3/31/2021 6/30/2021 Plan Assets for Participants in GoalMaker $147,233,035 $157,361,572 % of Plan Assets for GoalMaker Participants 18.3%18.6% # of Participants in GoalMaker 613 624 Participation Rate in GoalMaker 11.5%11.7% Prudential % of Participants in GoalMaker - As of 12/31/2020 IncomeFlex 3/31/2021 6/30/2021 % of Plan Assets Invested in IncomeFlex Funds for IncomeFlex Participants 51.9%52.4% # of Participants in IncomeFlex 98 96 Participation Rate in IncomeFlex 1.8%1.8% Prudential % of Participants in IncomeFlex - As of 12/31/2020 Stable Value 3/31/2021 6/30/2021 Participation Rate in Stable Value 25.0%24.8% % of Plan Assets in Stable Value 10.5%10.0% Prudential % of Plan Assets in Stable Value - As of 12/31/2020 eDelivery 3/31/2021 6/30/2021 # of Participants Enrolled in eDelivery 2,917 2,932 % of Participants in eDelivery 68.0% 68.0% Prudential % of Participants in eDelivery - As of 12/31/2020 50.4% 20.7% 52.2% 7.8% Oakland County 401(A) Employees Retirement System Transaction Summary Participant Activity 7 Plan Summary For Plan Sponsor or Consultant Use Only Plan Features Your Plan Prudential Book of Business Industry Average* Plan Sponsor Survey 2020** Plan Sponsor Survey 2021*** GoalMaker®Yes 65.1%N/A N/A N/A Investment Options 44.0 13.5 26.5 22.9 22.7 IncomeFlex®Yes 26.5%26.3%9.2%11.1% Loans Yes 63.5%80.0%82.0%80.5% Plan Allows Roth N/A 34.0%70.4%76.9%81.1% Plan Allows Catch-Up Contributions (Administered Through Prudential)N/A 48.1%N/A N/A N/A Default eDelivery No N/A N/A N/A N/A **2020 Annual Survey, 2020 (Overall) ***2021 Annual Survey, 2021 (Overall) *Annual Survey, 2021 (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. © 2021 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 12/31/2020 External Benchmark Source: PLANSPONSOR Defined Contribution Annual Survey Oakland County 401(A) Employees Retirement System Benchmark Trends –Plan Features 8 Plan Summary For Plan Sponsor or Consultant Use Only Plan Features Your Plan Prudential Book of Business Industry Average* Plan Sponsor Survey 2020** Plan Sponsor Survey 2021*** Average Account Balance $159,437 $80,721 $99,973 $103,108 $110,278 Median Account Balance $58,858 $77,565 $65,359 $79,970 $83,441 % of Plan Assets in Stable Value 10.0%20.7%N/A N/A N/A Average # of Funds Held 4.7 5.2 5.1 6.3 5.0 % of 55+ Participants Utilizing IncomeFlex®4.0%9.1%N/A N/A N/A % of Participants Utilizing GoalMaker®11.7%52.2%N/A N/A N/A % of Participants have Outstanding Active Loans 10.5%12.2%10.2%14.2%12.8% Average Loan Balance $7,479 $7,891 $9,190 $10,121 $10,709 % of Participants Utilizing eDelivery 68.0%50.4%N/A N/A N/A **2020 Annual Survey, 2020 (Overall) ***2021 Annual Survey, 2021 (Overall) Prudential’s Book of Business averages are as of 12/31/2020 External Benchmark Source: PLANSPONSOR Defined Contribution Annual Survey *Annual Survey, 2021 (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. © 2021 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. Oakland County 401(A) Employees Retirement System Benchmark Trends –Participant Behavior 9 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Asset Allocation/Net Activity By Age April 1, 2021 to June 30, 2021 Less than 25 25-34 35-44 45-54 55-64 65+Total Total Participant Balances $1,061,243 $35,306,112 $122,985,506 $306,755,481 $223,973,829 $157,324,529 $847,406,701 % Assets 0.1%4.2%14.5%36.2%26.4%18.6%100.0% Average Contribution Rate ($)$0 $0 $0 $0 $331 $0 $331 Average Contribution Rate (%)4.8%4.4%4.5%4.8%5.2%7.2%4.7% Prudential Avg. Contribution Rate (%) as of 12/31/2020 5.2%6.2%7.0%8.1%9.7%11.4%7.7% Contributions $150,084 $1,755,161 $2,253,079 $3,251,115 $1,631,276 $388,783 $9,429,498 Rollovers In*$0 $116 $27,452 $20,278 $46,367 $0 $94,213 Total (Contributions + Rollovers In)$150,084 $1,755,278 $2,280,532 $3,271,393 $1,677,643 $388,783 $9,523,712 Cash Distributions ($7,832)($52,685)($213,836)($520,219)($1,374,303)($1,279,948)($3,448,824) Rollovers Out ($609)($7,927)($456,708)($530,340)($4,709,456)($5,988,768)($11,693,807) Total (Cash Distributions + Rollovers Out)($8,441)($60,612)($670,544)($1,050,559)($6,083,758)($7,268,716)($15,142,631) Net Activity $141,643 $1,694,665 $1,609,987 $2,220,834 ($4,406,115)($6,879,933)($5,618,919) Total Participants**112 936 1,123 1,457 1,063 626 5,317 Average Account Balance $9,475 $37,720 $109,515 $210,539 $210,700 $251,317 $159,377 Prudential Avg. Account Balance as of 12/31/2020 $3,940 $17,635 $49,972 $97,117 $136,242 $138,917 $80,721 Median Account Balance $6,191 $28,181 $62,727 $142,673 $94,955 $73,131 $58,858 Prudential Median Account Balance as of 12/31/2020 $4,404 $14,335 $34,065 $58,607 $86,341 $121,113 $77,565 High Balance $1,576,655 $2,440,837 $2,210,337 $3,329,743 $2,275,652 $2,917,295 Low Balance $63 $0.01 $3 $1 $0.01 $19 *Rollovers In is the total dollars credited to participant accounts within 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 within different age groups (decedent's date of birth), that participant will be counted twice. Oakland County 401(A) Employees Retirement System Average Balance By Years of Service as of June 30, 2021 Years of Service 0-5 6-10 11-15 16-20 21-25 26-30 31-35 36-40 41-45 46-50 51-55 56-60 Average Account Balance* $160,765 $156,364 $130,773 $168,985 $176,189 $140,075 $175,208 $171,075 $264,058 $71,898 $0 $22,470 * Active Employees 10 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. RETIREMENT READINESS 11 Plan Summary 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 System IncomeFlex Participation 12 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. PLAN ACTIVITY 13 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. INVESTMENT OPTIONS 1/1/2021 - 3/31/2021 % 4/1/2021 - 6/30/2021 %Change % TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS $714,322 7.8%$756,704 8.0%$42,382 5.9% TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS $609,105 6.6%$657,488 7.0%$48,383 7.9% TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS $613,171 6.7%$656,210 7.0%$43,040 7.0% TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS $597,537 6.5%$652,831 6.9%$55,294 9.3% TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS $569,375 6.2%$600,047 6.4%$30,671 5.4% TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS $438,826 4.8%$495,193 5.3%$56,367 12.8% FIDELITY GROWTH COMPANY K6 FUND $508,046 5.5%$494,679 5.3%($13,367)-2.6% GUARANTEED INCOME FUND $483,047 5.2%$483,591 5.1%$545 0.1% JPMORGAN EQUITY INCOME FUND CLASS R5 $423,887 4.6%$426,869 4.5%$2,982 0.7% TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS $439,165 4.8%$416,253 4.4%($22,912)-5.2% TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS $439,676 4.8%$404,638 4.3%($35,039)-8.0% MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3 $395,669 4.3%$382,481 4.1%($13,188)-3.3% FIDELITY 500 INDEX FUND $315,750 3.4%$327,889 3.5%$12,139 3.8% T. ROWE PRICE NEW HORIZONS FUND $349,970 3.8%$326,831 3.5%($23,140)-6.6% LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND $288,632 3.1%$293,659 3.1%$5,027 1.7% TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS $238,259 2.6%$273,025 2.9%$34,766 14.6% PGIM TOTAL RETURN BOND FUND -CLASS Z $250,474 2.7%$255,034 2.7%$4,560 1.8% BLACKROCK MID-CAP GROWTH EQUITY PORTFOLIO INSTITUTIONAL SHARES $206,064 2.2%$207,381 2.2%$1,317 0.6% FIDELITY EMERGING MARKETS INDEX FUND $161,228 1.8%$158,288 1.7%($2,939)-1.8% TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS $168,221 1.8%$150,866 1.6%($17,354) -10.3% VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A $119,307 1.3%$125,378 1.3%$6,072 5.1% FIDELITY SMALL CAP INDEX FUND $111,078 1.2%$116,401 1.2%$5,324 4.8% FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I $110,280 1.2%$113,342 1.2%$3,062 2.8% BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A $97,241 1.1%$96,751 1.0%($490)-0.5% AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E $76,856 0.8%$79,106 0.8%$2,250 2.9% AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5 $69,821 0.8%$69,908 0.7%$87 0.1% PIMCO INCOME FUND CLASS A $53,536 0.6%$50,418 0.5%($3,118)-5.8% TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS $70,060 0.8%$50,230 0.5%($19,829) -28.3% FIDELITY PURITAN FUND $47,542 0.5%$46,908 0.5%($634)-1.3% FIDELITY MID CAP INDEX FUND $37,128 0.4%$41,967 0.5%$4,839 13.0% PGIM HIGH YIELD FUND- CLASS Z $31,497 0.3%$33,800 0.4%$2,303 7.3% COHEN & STEERS REALTY SHARES FUND CLASS L $27,927 0.3%$30,784 0.3%$2,858 10.2% DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS $27,017 0.3%$29,376 0.3%$2,359 8.7% FIDELITY INTERNATIONAL INDEX FUND $25,078 0.3%$28,466 0.3%$3,388 13.5% FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND $28,650 0.3%$21,091 0.2%($7,559) -26.4% PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND $22,710 0.3%$20,715 0.2%($1,995)-8.8% TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS $6,528 0.1%$16,796 0.2%$10,268 157.3% BNY MELLON NATURAL RESOURCES FUND CLASS I $14,111 0.2%$14,011 0.2%($100)-0.7% TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS $8,957 0.1%$7,503 0.1%($1,454) -16.2% VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL $5,283 0.1%$6,213 0.1%$930 17.6% GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS $5,144 0.1%$4,584 0.1%($560) -10.9% COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS $2,946 0.0%$3,026 0.0%$80 2.7% COLUMBIA INCOME BUILDER FUND ADVISOR CLASS $3,364 0.0%$2,765 0.0%($599) -17.8% Total Assets Contributed $9,212,484 100.0%$9,429,498 100.0%$217,014 2.4% Contributions by Fund Oakland County 401(A) Employees Retirement System 14 Plan Summary Interfund Transfers 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 System 15 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Participant Distribution Statistics Oakland County 401(A) Employees Retirement System 16 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Rollover Distributions Statistics Oakland County 401(A) Employees Retirement System Rollover Institution Rollover Distribution Amount # of Ppts Rollover Institution Rollover Distribution Amount # of Ppts Rollover Institution Rollover Distribution Amount # of Ppts Rollover Institution Rollover Distribution Amount # of Ppts NFS $726,786 2 Oppenheimer $699,102 1 Pershing $1,181,018 4 Fidelity $2,178,985 3 Fidelity $440,393 2 Fidelity $656,345 7 Prudential $1,177,627 4 Morgan Stanley $2,045,454 5 Raymond James $416,874 2 Ameriprise $350,699 2 LPL $1,086,703 2 NFS $1,148,979 4 New York Life $341,327 1 Charles Schwab $289,920 2 Charles Schwab $1,033,937 3 TD Ameritrade $1,102,829 1 Charles Schwab $271,087 2 LPL $201,465 1 TD Ameritrade $998,651 4 Merrill Lynch $1,091,254 5 Edward Jones $144,001 2 Edward Jones $184,899 2 Fidelity $851,980 10 Thrivent Financial $814,189 1 Merrill Lynch $97,767 2 Merrill Lynch $169,506 2 Jackson National $659,684 1 Raymond James $764,341 2 Morgan Stanley $86,008 1 TD Ameritrade $94,146 2 NFS $595,988 2 Ameriprise $534,143 1 Thrift Savings Plan $64,636 1 Principal $89,699 1 Allianz $303,926 2 UBS $474,432 1 Flagstar Bank $54,487 1 Lincoln $86,422 1 Nationwide $272,391 1 Baird $276,972 1 Financial Trust Co $46,438 1 T Rowe Price $40,027 1 Edward Jones $249,645 4 Principal $227,259 1 Principal $45,870 1 Citizens Bank $37,013 1 American Equity $200,000 1 Jackson National $209,081 1 PNC Bank $24,949 1 Mass Mutual $27,630 1 Morgan Stanley $149,433 2 Pershing $173,659 3 Security Benefit $5,144 1 Prudential $20,997 1 UBS $146,099 1 Wells Fargo $166,530 1 Pershing $2,362 1 Midland $18,692 1 Primerica $144,000 1 JP Morgan $121,215 1 Total $2,768,130 21 Mutual of Omaha $15,593 1 Vanguard $137,433 2 Charles Schwab $88,151 2 Equity Trust Co $15,000 1 Fifth Third Bank $110,564 1 Edward Jones $71,691 3 TIAA $8,430 1 Alerus Financial $31,540 1 Prudential $58,899 2 Nationwide $6,954 1 E Trade $27,799 1 T Rowe Price $38,824 1 Transamerica $6,547 1 Merrill Lynch $24,923 1 PNC Bank $27,676 2 Total $3,019,087 31 Thrift Savings Plan $2,715 1 Ohio Deferred Compensation Plan $25,136 1 Raymond James $1,992 1 LPL $17,518 1 Total $9,388,050 50 ISTO $11,134 1 Lincoln Investments $7,547 1 Nationwide $5,764 2 SEI $4,275 1 State of Michigan $4,120 1 Walmart 401K Plan $2,772 1 Capital Group $980 1 Total $11,693,807 51 4/1/2021 - 6/30/20217/1/2020 - 9/30/2020 10/1/2020 - 12/31/2020 1/1/2021 - 3/31/2021 17 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Loan Activity Loan Utilization By Participant Age *Includes all participant statuses with balance > $0. % of Participants With Withdrawal Activity Oakland County 401(A) Employees Retirement System 18 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Participant Loan Statistics Oakland County 401(A) Employees Retirement System # of Oustanding Active Loans as of 6/30/2021 Participant Count 1 312 2 120 3 56 4 34 5 38 Total 560 1/1/2021- 3/31/2021 4/1/2021- 6/30/2021 # of Deemed Loans 8 19 Total Deemed Principal Loan Balance $21,157 $112,471 19 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Definitions: Unique Callers –The number of individuals that spoke 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 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). Registered Participants -The total number of individuals that established an account as of the reporting end date, for which they can access their retirement plan via the Participant Website. Participant Transaction Statistics Oakland County 401(A) Employees Retirement System 20 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. INVESTMENT DIVERSIFICATION 21 Plan Summary 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 25-34 35-44 45-54 55-64 65+ Stable Value Fixed Inc-Domestic Fixed Inc-Glbl / International Allocation Equity - U.S. Large Equity - U.S. Mid/Small Equity - Glbl / International Alternative / Other Less than 25 25-34 35-44 45-54 55-64 65+Total Participants Invested in Only One Fund 92 362 373 344 237 169 1,577 Average # of Funds per Participant 2.0 3.1 3.9 5.9 5.7 4.7 4.7 Prudential Participants Avg. # of Funds per Participant as of 12/31/2020 5.1 5.3 5.4 5.4 5.2 4.2 5.2 % of Plan Assets in Stable Value 0.4% 0.9% 2.1% 5.7% 14.3% 20.6% 10.0% Prudential % of Plan Assets in Stable Value as of 12/31/2020 7.4% 6.7% 9.0% 13.8% 24.0% 38.3% 20.7% Self Directed Brokerage Account # of Participants 0 3 16 36 28 11 94 Oakland County 401(A) Employees Retirement System Fund Utilization By Age As of June 30, 2021 Assets by Asset Class and Age As of June 30, 2021 Asset Allocation 22 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. The funds in bold type denote inclusion in the GoalMaker®product. INVESTMENT OPTIONS Balance % Invested in Fund # of Ppts Ppts Using as Sole Investment GUARANTEED INCOME FUND $85,049,290 10.0%1,320 104 TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS $69,174,500 8.2%870 262 LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND $62,096,361 7.3%1,110 6 JPMORGAN EQUITY INCOME FUND CLASS R5 $52,313,175 6.2%1,414 1 TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS $47,795,343 5.6%749 112 FIDELITY GROWTH COMPANY K6 FUND $46,017,197 5.4%1,390 11 FIDELITY 500 INDEX FUND $41,065,180 4.8%999 13 TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS $36,078,454 4.3%516 86 MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3 $36,077,746 4.3%1,065 0 PGIM TOTAL RETURN BOND FUND -CLASS Z $33,516,524 4.0%1,142 0 BLACKROCK MID-CAP GROWTH EQUITY PORTFOLIO INSTITUTIONAL SHARES $28,039,496 3.3%1,308 0 TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS $26,233,810 3.1%662 130 T. ROWE PRICE NEW HORIZONS FUND $26,204,981 3.1%1,272 20 TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS $26,131,576 3.1%933 154 TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS $24,183,611 2.9%546 93 PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND $22,543,688 2.7%96 13 SELF DIRECTED BROKERAGE ACCOUNT $19,809,164 2.3%94 4 FIDELITY SMALL CAP INDEX FUND $15,855,614 1.9%470 1 VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A $14,176,428 1.7%1,102 0 FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I $12,980,709 1.5%994 0 FIDELITY EMERGING MARKETS INDEX FUND $12,936,852 1.5%967 0 TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS $12,661,170 1.5%288 49 FIDELITY PURITAN FUND $12,202,035 1.4%541 7 TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS $11,476,807 1.4%597 126 BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A $11,292,057 1.3%671 0 AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E $10,524,417 1.2%811 1 TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS $9,409,199 1.1%473 174 AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5 $7,716,273 0.9%356 1 PIMCO INCOME FUND CLASS A $6,688,073 0.8%321 0 PGIM HIGH YIELD FUND- CLASS Z $4,552,345 0.5%315 0 COHEN & STEERS REALTY SHARES FUND CLASS L $3,697,766 0.4%319 2 FIDELITY MID CAP INDEX FUND $3,433,184 0.4%158 0 DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS $3,032,807 0.4%220 0 FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND $2,516,911 0.3%162 2 TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS $2,475,632 0.3%228 167 FIDELITY INTERNATIONAL INDEX FUND $2,429,401 0.3%210 0 BNY MELLON NATURAL RESOURCES FUND CLASS I $1,254,562 0.1%142 0 TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS $1,229,124 0.1%76 14 COLUMBIA INCOME BUILDER FUND ADVISOR CLASS $961,959 0.1%52 0 VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL $584,995 0.1%29 1 GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS $357,996 0.0%47 0 COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS $278,911 0.0%38 0 TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS $258,058 0.0%60 6 TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS $93,317 0.0%17 17 Total $847,406,701 100.0%0 Oakland County 401(A) Employees Retirement System Utilization by Fund as of June 30, 2021 23 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Due to rounding, bar graph may not equal 100% Investment Utilization Oakland County 401(A) Employees Retirement System 24 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Due to rounding, pie chart may not equal 100% Oakland County 401(A) Employees Retirement System 25 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Due to rounding, pie chart may not equal 100% GoalMaker® Participation –Default vs Non-Default Investor Oakland County 401(A) Employees Retirement System 26 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Asset Class Less than 25 25-34 35-44 45-54 55-64 65+Total Stable Value $4,214 $305,931 $2,525,767 $17,636,400 $32,093,089 $32,483,890 $85,049,290 Fixed Inc-Domestic $3,273 $265,290 $3,191,106 $19,176,843 $18,876,812 $9,072,248 $50,585,572 Fixed Inc-Glbl / International $1,487 $48,141 $505,659 $3,825,714 $4,933,495 $1,977,562 $11,292,057 Allocation $764,960 $23,885,694 $58,751,409 $95,448,973 $73,687,522 $50,369,726 $302,908,284 Equity - U.S. Large $108,484 $4,663,051 $26,452,304 $84,411,154 $50,192,890 $36,249,026 $202,076,909 Equity - U.S. Mid/Small $137,053 $4,038,931 $16,805,865 $44,365,174 $22,315,962 $13,027,426 $100,690,412 Equity - Glbl / International $41,360 $2,024,178 $11,586,411 $32,417,386 $15,986,411 $7,986,939 $70,042,685 Alternative / Other $412 $74,895 $3,166,985 $9,473,838 $5,887,648 $6,157,713 $24,761,492 Total Assets $1,061,243 $35,306,112 $122,985,506 $306,755,481 $223,973,829 $157,324,529 $847,406,701 % of Assets 0.1%4.2%14.5%36.2%26.4%18.6%100.0% Active Participants 90 725 815 1,105 614 129 3,478 Terminated Participants 18 200 283 333 422 468 1,724 Other Participants*4 11 25 19 27 29 115 Total Participants**112 936 1,123 1,457 1,063 626 5,317 Avg Account Balance $9,475 $37,720 $109,515 $210,539 $210,700 $251,317 $159,377 *Participant(s) who are not active, terminated or suspended, but have an account b alance greater than $0 (e.g. b reak-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 b irth), that participant will be counted twice. Oakland County 401(A) Employees Retirement System Asset Allocation by Age Group as of June 30, 2021 27 Plan Summary INVESTMENT OPTIONS Less than 25 25-34 35-44 45-54 55-64 65+Total GUARANTEED INCOME FUND $4,214 $305,931 $2,525,767 $17,636,400 $32,093,089 $32,483,890 $85,049,290 TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS $0 $80,501 $7,262,296 $23,955,409 $19,720,015 $18,156,279 $69,174,500 LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND $3,196 $797,347 $6,808,295 $23,361,943 $15,566,011 $15,559,569 $62,096,361 JPMORGAN EQUITY INCOME FUND CLASS R5 $24,061 $1,152,817 $7,610,393 $21,398,023 $13,366,117 $8,761,763 $52,313,175 TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS $0 $35,269 $5,505,594 $37,259,350 $3,644,953 $1,350,177 $47,795,343 FIDELITY GROWTH COMPANY K6 FUND $49,524 $1,905,823 $7,346,899 $22,719,492 $9,945,314 $4,050,146 $46,017,197 FIDELITY 500 INDEX FUND $30,502 $782,817 $4,549,186 $16,799,603 $11,043,435 $7,859,638 $41,065,180 TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS $0 $0 $1,351,949 $6,086,360 $21,096,566 $7,543,579 $36,078,454 MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3 $27,023 $1,134,454 $6,130,214 $15,964,471 $8,430,513 $4,391,071 $36,077,746 PGIM TOTAL RETURN BOND FUND -CLASS Z $3,273 $142,257 $1,680,620 $12,302,697 $12,286,222 $7,101,455 $33,516,524 BLACKROCK MID-CAP GROWTH EQUITY PORTFOLIO INSTITUTIONAL SHARES $7,828 $436,074 $3,999,272 $12,199,572 $7,046,966 $4,349,784 $28,039,496 TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS $0 $905 $19,869,197 $6,313,377 $48,808 $1,524 $26,233,810 T. ROWE PRICE NEW HORIZONS FUND $102,359 $2,485,254 $5,956,472 $10,905,930 $4,443,103 $2,311,863 $26,204,981 TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS $18,716 $6,162,149 $18,864,538 $903,469 $42,595 $140,109 $26,131,576 TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS $0 $89,929 $419,493 $15,074,573 $8,425,788 $173,829 $24,183,611 PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND $45 $35,116 $81,346 $1,555,621 $6,152,651 $14,718,909 $22,543,688 SELF DIRECTED BROKERAGE ACCOUNT $0 $34,743 $2,508,794 $6,840,079 $4,628,562 $5,796,986 $19,809,164 FIDELITY SMALL CAP INDEX FUND $8,333 $215,115 $1,814,883 $7,201,176 $3,690,348 $2,925,759 $15,855,614 VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A $9,474 $424,565 $2,361,601 $6,233,315 $3,197,350 $1,950,123 $14,176,428 FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I $8,506 $405,453 $2,253,693 $6,237,972 $3,009,126 $1,065,958 $12,980,709 FIDELITY EMERGING MARKETS INDEX FUND $10,900 $546,695 $2,700,456 $6,195,983 $2,774,183 $708,635 $12,936,852 TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS $10,033 $0 $6,180 $549,876 $9,623,968 $2,471,112 $12,661,170 FIDELITY PURITAN FUND $0 $28,927 $909,336 $3,265,309 $3,399,186 $4,599,277 $12,202,035 TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS $7,849 $6,510,826 $4,304,044 $307,423 $346,665 $0 $11,476,807 BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A $1,487 $48,141 $505,659 $3,825,714 $4,933,495 $1,977,562 $11,292,057 AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E $2,291 $90,634 $1,427,125 $5,048,032 $2,316,479 $1,639,857 $10,524,417 TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS $12,162 $9,376,349 $17,871 $2,817 $0 $0 $9,409,199 AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5 $896 $194,386 $801,061 $3,641,814 $2,065,909 $1,012,208 $7,716,273 PIMCO INCOME FUND CLASS A $0 $74,071 $584,038 $2,721,965 $2,608,169 $699,829 $6,688,073 PGIM HIGH YIELD FUND- CLASS Z $0 $19,688 $403,101 $1,759,412 $1,826,460 $543,684 $4,552,345 COHEN & STEERS REALTY SHARES FUND CLASS L $289 $33,775 $533,448 $2,077,453 $801,184 $251,618 $3,697,766 FIDELITY MID CAP INDEX FUND $553 $72,469 $419,945 $1,587,209 $929,069 $423,939 $3,433,184 DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS $0 $5,797 $256,154 $1,257,085 $1,043,254 $470,517 $3,032,807 FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND $0 $22,712 $196,704 $1,096,605 $957,495 $243,395 $2,516,911 TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS $622,839 $1,564,057 $151,244 $90,614 $46,880 $0 $2,475,632 FIDELITY INTERNATIONAL INDEX FUND $250 $49,664 $478,760 $1,424,229 $286,980 $189,518 $2,429,401 BNY MELLON NATURAL RESOURCES FUND CLASS I $124 $6,378 $124,743 $556,307 $457,902 $109,109 $1,254,562 TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS $0 $0 $0 $0 $302,135 $926,989 $1,229,124 COLUMBIA INCOME BUILDER FUND ADVISOR CLASS $0 $1,667 $8,321 $74,344 $815,253 $62,375 $961,959 VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL $1,201 $24,247 $137,530 $132,094 $272,013 $17,910 $584,995 GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS $0 $8,346 $48,795 $142,857 $112,347 $45,650 $357,996 COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS $0 $764 $70,489 $39,079 $155,212 $13,367 $278,911 TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS $0 $0 $0 $10,433 $22,059 $225,566 $258,058 TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS $93,317 $0 $0 $0 $0 $0 $93,317 Total Assets $1,061,243 $35,306,112 $122,985,506 $306,755,481 $223,973,829 $157,324,529 $847,406,701 % of Assets 0.1%4.2%14.5%36.2%26.4%18.6%100.0% Total Participants 112 936 1,123 1,457 1,063 626 5,317 Avg. Account Balance $9,475 $37,720 $109,515 $210,539 $210,700 $251,317 $159,377 Fund Allocation by Age Group as of June 30, 2021 Oakland County 401(A) Employees Retirement System For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.28 Plan Summary INVESTMENT OPTIONS Less than 25 25-34 35-44 45-54 55-64 65+Total GUARANTEED INCOME FUND 3 48 116 388 434 331 1,320 TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS 0 17 171 308 189 185 870 LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND 3 70 166 418 274 180 1,111 JPMORGAN EQUITY INCOME FUND CLASS R5 9 136 243 507 352 168 1,415 TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS 0 1 92 608 35 13 749 FIDELITY GROWTH COMPANY K6 FUND 13 143 215 484 361 175 1,391 FIDELITY 500 INDEX FUND 5 48 122 364 274 187 1,000 TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS 0 0 18 73 378 47 516 MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3 8 110 172 402 251 123 1,066 PGIM TOTAL RETURN BOND FUND -CLASS Z 3 62 139 423 352 164 1,143 BLACKROCK MID-CAP GROWTH EQUITY PORTFOLIO INSTITUTIONAL SHARES 10 118 218 493 331 139 1,309 TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS 0 2 416 238 5 1 662 T. ROWE PRICE NEW HORIZONS FUND 12 167 238 439 310 107 1,273 TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS 4 346 563 14 3 3 933 TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS 0 4 12 324 199 7 546 PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND 1 2 5 21 34 33 96 SELF DIRECTED BROKERAGE ACCOUNT 0 3 16 36 28 11 94 FIDELITY SMALL CAP INDEX FUND 3 32 80 193 110 52 470 VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A 9 123 202 396 270 103 1,103 FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I 9 113 180 367 244 81 994 FIDELITY EMERGING MARKETS INDEX FUND 9 117 180 367 227 67 967 TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS 1 0 4 32 161 90 288 FIDELITY PURITAN FUND 0 10 63 190 163 117 543 TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS 1 384 204 5 3 0 597 BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A 3 41 77 255 217 79 672 AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E 1 39 141 326 202 103 812 TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS 4 466 1 2 0 0 473 AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5 2 30 64 139 89 33 357 PIMCO INCOME FUND CLASS A 0 12 44 150 86 30 322 PGIM HIGH YIELD FUND- CLASS Z 0 10 47 128 91 40 316 COHEN & STEERS REALTY SHARES FUND CLASS L 1 14 62 143 76 23 319 FIDELITY MID CAP INDEX FUND 1 16 27 61 40 14 159 DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS 0 7 30 105 58 21 221 FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND 0 6 11 48 65 33 163 TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS 83 136 4 1 4 0 228 FIDELITY INTERNATIONAL INDEX FUND 1 16 34 82 54 23 210 BNY MELLON NATURAL RESOURCES FUND CLASS I 1 4 21 71 36 9 142 TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS 0 0 0 0 10 66 76 COLUMBIA INCOME BUILDER FUND ADVISOR CLASS 0 1 3 20 21 7 52 VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL 2 5 3 6 10 3 29 GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS 0 4 7 18 15 3 47 COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS 0 1 3 12 17 5 38 TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS 0 0 0 10 6 45 61 TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS 17 0 0 0 0 0 17 Total Participants 112 936 1,123 1,457 1,063 626 5,317 Average # of Funds Per Participant 2.0 3.1 3.9 5.9 5.7 4.7 4.7 For 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 June 30, 2021 Oakland County 401(A) Employees Retirement System 29 Plan Summary 30 For Plan Sponsor or Consultant Use Only Assets 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. © 2021 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo and the Rock symbol 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 12/31/2020. Oakland County 401(A) Employees Retirement System 30 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. Section II: Oakland County 457(b) Deferred Compensation Plan Plan Summary –940080 31 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. PLAN SUMMARY AND BENCHMARK TRENDS 32 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Oakland County 33 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Plan Demographics Summary 3/31/2021 1/1/2021 1/1/2021- 3/31/2021 4/1/2021- 6/30/2021 Total Participants*3,460 3,452 Active Participants 2,592 2,500 Terminated Participants 777 862 Suspended Participants 5 5 Other Participants**84 84 Multiple Status Participants***2 1 Average Participant Balance $107,564 $114,636 Average Account Balance for Active Participants $86,585 $88,773 Median Participant Balance $27,460 $29,141 Median Participant Balance for Active Participants $21,372 $21,969 Participants Age 50 and Over 1,811 1,813 Total Assets for Participants Age 50 and Over $301,111,876 $320,985,580 Total (Contributions + Rollovers In)$3,465,549 $4,016,388 Employee Contributions $3,226,331 $3,840,707 Rollovers In $239,218 $175,681 Total Distributions ($6,933,486) ($6,479,492) Percentage of Assets Distributed 1.9%1.6% Market Value Gain / Loss****$9,511,691 $26,190,605 Total Participant Balances $372,171,828 $395,723,648 *** 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. Oakland County 457(b) Deferred Compensation Plan 34 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Plan Features GoalMaker 3/31/2021 6/30/2021 Plan Assets for Participants in GoalMaker $54,986,501 $58,972,390 % of Plan Assets for GoalMaker Participants 14.8%14.9% # of Participants in GoalMaker 701 710 Participation Rate in GoalMaker 20.3%20.6% Prudential % of Participants in GoalMaker - As of 12/31/2020 IncomeFlex 3/31/2021 6/30/2021 % of Plan Assets Invested in IncomeFlex Funds for IncomeFlex Participants 35.2%38.0% # of Participants in IncomeFlex 25 24 Participation Rate in IncomeFlex 0.7%0.7% Prudential % of Participants in IncomeFlex - As of 12/31/2020 Auto Features 3/31/2021 6/30/2021 % of Contributing Participants in Contribution Accelerator 7.7%8.0% Prudential % of Contributing Participants in Contribution Accelerator - As of 12/31/2020 Stable Value 3/31/2021 6/30/2021 Participation Rate in Stable Value 34.2%34.1% % of Plan Assets in Stable Value 13.5%12.5% Prudential % of Plan Assets in Stable Value - As of 12/31/2020 eDelivery 3/31/2021 6/30/2021 # of Participants Enrolled in eDelivery 2,287 2,285 % of Participants in eDelivery 78.4% 78.4% Prudential % of Participants in eDelivery - As of 12/31/2020 50.4% 20.7% 52.2% 7.8% 15.7% Oakland County 457(b) Deferred Compensation Plan Transaction Summary Participant Activity 35 Plan Summary For Plan Sponsor or Consultant Use Only Oakland County 457(b) Deferred Compensation Plan Benchmark Trends –Plan Features 36 Plan Summary For Plan Sponsor or Consultant Use Only Plan Features Your Plan Prudential Book of Business Industry Average* Plan Sponsor Survey 2020** Plan Sponsor Survey 2021*** Participation Rate 69.4%70.5%66.9%78.9%79.0% Average Contribution Rate (%)8.5%7.7%7.1%7.1%7.5% Average Account Balance $114,636 $80,721 $99,973 $103,108 $110,278 Median Account Balance $29,141 $77,565 $65,359 $79,970 $83,441 % of Plan Assets in Stable Value 12.5%20.7%N/A N/A N/A Average # of Funds Held 5.5 5.2 5.1 6.3 5.0 % of 55+ Participants Utilizing IncomeFlex®0.7%9.1%N/A N/A N/A % of Participants Utilizing GoalMaker®20.6%52.2%N/A N/A N/A % of Participants have Outstanding Active Loans 5.5%12.2%10.2%14.2%12.8% Average Loan Balance $6,595 $7,891 $9,190 $10,121 $10,709 % of Participants Utilizing eDelivery 78.4%50.4%N/A N/A N/A **2020 Annual Survey, 2020 (Overall) ***2021 Annual Survey, 2021 (Overall) Prudential’s Book of Business averages are as of 12/31/2020 External Benchmark Source: PLANSPONSOR Defined Contribution Annual Survey *Annual Survey, 2021 (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. © 2021 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. Oakland County 457(b) Deferred Compensation Plan Benchmark Trends –Participant Behavior 37 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Asset Allocation/Net Activity By Age April 1, 2021 to June 30, 2021 Less than 25 25-34 35-44 45-54 55-64 65+Total Total Participant Balances $167,028 $6,315,459 $26,316,558 $106,488,858 $132,593,933 $123,841,811 $395,723,648 % Assets 0.0%1.6%6.7%26.9%33.5%31.3%100.0% Average Contribution Rate ($)$78 $114 $144 $207 $258 $415 $195 Average Contribution Rate (%)6.6%6.7%8.0%8.3%13.4%9.8%8.5% Prudential Avg. Contribution Rate (%) as of 12/31/2020 5.2%6.2%7.0%8.1%9.7%11.4%7.7% Contributions $23,110 $402,929 $656,287 $1,352,503 $1,045,139 $360,738 $3,840,707 Rollovers In*$0 $14,703 $0 $159,438 $0 $1,540 $175,681 Total (Contributions + Rollovers In)$23,110 $417,633 $656,287 $1,511,941 $1,045,139 $362,279 $4,016,388 Cash Distributions ($155)($20,665)($3,896)($318,542)($712,024)($472,001)($1,527,285) Rollovers Out $0 ($4,356)($79,512)($63,007)($1,264,498)($3,540,834)($4,952,207) Total (Cash Distributions + Rollovers Out)($155)($25,021)($83,408)($381,549)($1,976,523)($4,012,836)($6,479,492) Net Activity $22,955 $392,611 $572,880 $1,130,391 ($931,384)($3,650,557)($2,463,104) Total Participants**41 507 635 1,010 798 462 3,453 Average Account Balance $4,074 $12,457 $41,443 $105,435 $166,158 $268,056 $114,603 Prudential Avg. Account Balance as of 12/31/2020 $3,940 $17,635 $49,972 $97,117 $136,242 $138,917 $80,721 Median Account Balance $1,714 $6,611 $12,922 $44,042 $73,143 $106,123 $29,141 Prudential Median Account Balance as of 12/31/2020 $4,404 $14,335 $34,065 $58,607 $86,341 $121,113 $77,565 High Balance $27,253 $206,556 $574,690 $1,152,279 $2,351,834 $3,852,369 Low Balance $254 $31 $41 $36 $0.01 $0.01 *Rollovers In is the total dollars credited to participant accounts within 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 within different age groups (decedent's date of birth), that participant will be counted twice. Oakland County 457(b) Deferred Compensation Plan Average Balance by Years of Service as of June 30, 2021 Years of Service 0 - 5 6 - 10 11 - 15 16 - 20 21 - 25 26 - 30 31 - 35 36 - 40 41 - 45 46 - 50 51 -55 56-60 Average Account Balance* $16,684 $31,311 $47,553 $75,897 $153,996 $226,740 $188,766 $212,616 $439,362 $358,168 $0 $1,581,050 * Active Employees 38 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. RETIREMENT READINESS 39 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Due to rounding, pie chart may not equal 100% Oakland County 457(b) Deferred Compensation Plan 40 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Participation Rate By Employee Location as of June 30, 2021 by Location Name Oakland County 457(b) Deferred Compensation Plan Contributing Enrolled Not Contributing Eligible Not Enrolled 52/1 District Court 38 1 10 77.6% 52/2 District Court 16 0 8 66.7% 52/3 District Court 16 1 23 40.0% 52/4 District Court 14 0 13 51.9% Animal Control 16 0 5 76.2% Aviation & Transportation 12 0 5 70.6% Board Of Commissioners 20 1 14 57.1% Bus Dev/Business Retention & Expansion 5 0 0 100.0% Bus Dev/Emerging Growth & Innovation 2 0 1 66.7% Business Development/Financial Services 2 0 1 66.7% Children’s Village 0 2 0.0% Children’s Village Admin.72 3 94 42.6% Circuit Court 211 11 141 58.1% Clerk/Register of Deeds 50 1 27 64.1% Community & Home Improvement 9 0 8 52.9% Community Corrections 26 1 20 55.3% Compliance Office 3 0 0 100.0% Corporation Counsel/Risk Management 16 0 5 76.2% County Executive 58 2 16 76.3% Economic Dev & Comm Affairs 3 0 3 50.0% Emergency Management & Homeland Security 4 0 2 66.7% Emergency Management & Homeland Security/Building Safety 14 1 8 60.9% Equalization 65 2 7 87.8% Facilities 76 4 60 54.3% Health 196 5 71 72.1% Health Business Admin Services 4 0 1 80.0% Homeland Security 1 0 2 33.3% Housing Counsel & Homeless Services 1 0 1 50.0% Human Resources 25 2 1 89.3% Location Participants Participation Rate % 6/30/2021 Contributing Enrolled Not Contributing Eligible Not Enrolled IT 95 6 24 76.0% Management & Budget/Fiscal Services 62 4 16 75.6% Medical Examiner 14 0 4 77.8% MSU Extension Administration 1 0 4 20.0% Office of Public Comm/Media Relations 1 0 0 100.0% Parks and Recreation 51 2 20 69.9% Planning & Economic Development 12 0 3 80.0% Probate Court 24 2 21 51.1% Prosecuting Attorney 92 3 52 62.6% Purchasing 7 0 2 77.8% Sheriff 526 20 83 83.6% Sheriff/Addison 4 0 1 80.0% Sheriff/Brandon 11 1 1 84.6% Sheriff/Commerce 31 1 6 81.6% Sheriff/Highland 14 1 3 77.8% Sheriff/Independence 31 0 1 96.9% Sheriff/Lyon 18 1 2 85.7% Sheriff/Oakland 8 1 3 66.7% Sheriff/Orion 30 0 1 96.8% Sheriff/Oxford 16 0 1 94.1% Sheriff/Pontiac 72 3 11 83.7% Sheriff/Rochester Hills 54 2 3 91.5% Sheriff/Springfield 9 0 0 100.0% Support Services 18 0 8 69.2% Treasurer 26 5 3 76.5% Veterans Services Admin 6 1 6 46.2% Water Resources Commissioner 200 12 111 61.9% Workforce Development 5 0 0 100.0% #N/A 1 22 2 4.0% Total 2,414 122 941 69.4% Location Participants Participation Rate % 6/30/2021 41 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Participation Rate By Employee Location as of June 30, 2021 by Participation Rate % Oakland County 457(b) Deferred Compensation Plan Contributing Enrolled Not Contributing Eligible Not Enrolled Bus Dev/Business Retention & Expansion 5 0 0 100.0% Compliance Office 3 0 0 100.0% Office of Public Comm/Media Relations 1 0 0 100.0% Sheriff/Springfield 9 0 0 100.0% Workforce Development 5 0 0 100.0% Sheriff/Independence 31 0 1 96.9% Sheriff/Orion 30 0 1 96.8% Sheriff/Oxford 16 0 1 94.1% Sheriff/Rochester Hills 54 2 3 91.5% Human Resources 25 2 1 89.3% Equalization 65 2 7 87.8% Sheriff/Lyon 18 1 2 85.7% Sheriff/Brandon 11 1 1 84.6% Sheriff/Pontiac 72 3 11 83.7% Sheriff 526 20 83 83.6% Sheriff/Commerce 31 1 6 81.6% Health Business Admin Services 4 0 1 80.0% Planning & Economic Development 12 0 3 80.0% Sheriff/Addison 4 0 1 80.0% Medical Examiner 14 0 4 77.8% Purchasing 7 0 2 77.8% Sheriff/Highland 14 1 3 77.8% 52/1 District Court 38 1 10 77.6% Treasurer 26 5 3 76.5% County Executive 58 2 16 76.3% Animal Control 16 0 5 76.2% Corporation Counsel/Risk Management 16 0 5 76.2% IT 95 6 24 76.0% Management & Budget/Fiscal Services 62 4 16 75.6% Location Participants Participation Rate % 6/30/2021 Contributing Enrolled Not Contributing Eligible Not Enrolled Health 196 5 71 72.1% Aviation & Transportation 12 0 5 70.6% Parks and Recreation 51 2 20 69.9% Support Services 18 0 8 69.2% 52/2 District Court 16 0 8 66.7% Bus Dev/Emerging Growth & Innovation 2 0 1 66.7% Business Development/Financial Services 2 0 1 66.7% Emergency Management & Homeland Security 4 0 2 66.7% Sheriff/Oakland 8 1 3 66.7% Clerk/Register of Deeds 50 1 27 64.1% Prosecuting Attorney 92 3 52 62.6% Water Resources Commissioner 200 12 111 61.9% Emergency Management & Homeland Security/Building Safety 14 1 8 60.9% Circuit Court 211 11 141 58.1% Board Of Commissioners 20 1 14 57.1% Community Corrections 26 1 20 55.3% Facilities 76 4 60 54.3% Community & Home Improvement 9 0 8 52.9% 52/4 District Court 14 0 13 51.9% Probate Court 24 2 21 51.1% Economic Dev & Comm Affairs 3 0 3 50.0% Housing Counsel & Homeless Services 1 0 1 50.0% Veterans Services Admin 6 1 6 46.2% Children’s Village Admin.72 3 94 42.6% 52/3 District Court 16 1 23 40.0% Homeland Security 1 0 2 33.3% MSU Extension Administration 1 0 4 20.0% #N/A 1 22 2 4.0% Children’s Village 0 0 2 0.0% Total 2,414 122 941 69.4% Location Participants Participation Rate % 6/30/2021 42 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Total 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 period Contribution 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 participants Average 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 participants Average 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 t he 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 comple ted the RIC divided by the total count of all those active, eligible & suspended participants that have completed the RIC. Individuals no t 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. Oakland County 457(b) Deferred Compensation Plan Retirement Income Calculator (RIC) Analysis Total Retirement Income Calculator Completions 221 Unique Completions 171 Contribution Rate Increase 12 Average Balance, RIC Participant $96,232 Average Balance, Non-RIC Participant $86,550 Average Contribution Rate, RIC Participant 9.03% Average Contribution Rate, Non-RIC Participant 7.56% Total Count of Participants with a RIC Gap 1,016 Average RIC Gap $2,825 Total Count of Participants with a RIC Surplus 494 Average RIC Surplus $2,386 Average Income Replacement, RIC Participant 66% Average Income Replacement, Non-RIC Participant 129% Note - due to market volatility and COVID, the numbers might be lower than prior quarters. Since Inception for Currently Active Participants as of 6/30/2021 4/1/2021 - 6/30/2021 43 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Oakland County 457(b) Deferred Compensation Plan IncomeFlex Participation 44 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. # of Participants % of Contributing Participants Prudential % of Contributing Participants* Number of Participants in Contribution Accelerator program as of Reporting End Date**192 8.0%15.7% Contribution Increment of 1%158 6.5%N/A Contribution Increment of 2%21 0.9%N/A Contribution Increment of >= 3%13 0.5%N/A *Prudential Book of Business as of 12/31/2020 ** Includes participants with Contribution Accelerator Increment Amounts ($) if applicable on the plan Auto Features As of 6/30/2021 As of : 8.0% average contribution rate(%) for participants in Contribution Accelerator for participants not in Contribution Accelerator 8.7% average contribution rate(%)1 42 56 76 17 0 10 20 30 40 50 60 70 80 Less than 25 25-34 35-44 45-54 55-64 65+ # of Participants in Contribution Accelerator # of Participants in Contribution Accelerator As of June 30, 2021 Oakland County 457(b) Deferred Compensation Plan Auto Features (1 of 2) 45 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. 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 Features 4/1/2021 - 6/30/2021 Number of Participants Enrolled Into Contribution Accelerator During the Reporting Period*7 Number of Participants That Declined Contribution Accelerator During the Reporting Period 14 Number of Participants Enrolled Into Contribution Accelerator During the Reporting Period and Still Remain in the Program*7 Defaulted Into Contribution Accelerator*0 Opted Into Contribution Accelerator*7 Opted Into Contribution Accelerator at 1% Contribution Increment*6 Opted Into Contribution Accelerator at >1% Contribution Increment 1 * Includes participants with Contribution Accelerator Increment Amounts ($) if applicable on the plan Contribution Accelerator Oakland County 457(b) Deferred Compensation Plan Auto Features (2 of 2) 46 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. PLAN ACTIVITY 47 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. INVESTMENT OPTIONS 1/1/2021 - 3/31/2021 % 4/1/2021 - 6/30/2021 %Change % GUARANTEED INCOME FUND $235,561 7.3%$401,168 10.5%$165,607 70.3% FIDELITY GROWTH COMPANY K6 FUND $384,477 11.9%$385,536 10.0%$1,058 0.3% FIDELITY 500 INDEX FUND $296,803 9.2%$339,067 8.8%$42,264 14.2% JPMORGAN EQUITY INCOME FUND CLASS R5 $206,717 6.4%$247,469 6.4%$40,752 19.7% MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3 $170,128 5.3%$212,110 5.5%$41,982 24.7% T. ROWE PRICE NEW HORIZONS FUND $175,625 5.4%$196,877 5.1%$21,252 12.1% PGIM TOTAL RETURN BOND FUND -CLASS Z $127,544 4.0%$166,552 4.3%$39,008 30.6% TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS $151,574 4.7%$152,209 4.0%$634 0.4% TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS $144,030 4.5%$145,503 3.8%$1,473 1.0% TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS $115,207 3.6%$134,666 3.5%$19,459 16.9% TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS $89,887 2.8%$111,138 2.9%$21,251 23.6% FIDELITY EMERGING MARKETS INDEX FUND $85,097 2.6%$104,914 2.7%$19,817 23.3% TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS $85,581 2.7%$103,224 2.7%$17,644 20.6% TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS $72,230 2.2%$94,145 2.5%$21,915 30.3% FIDELITY PURITAN FUND $83,576 2.6%$91,567 2.4%$7,991 9.6% VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A $71,516 2.2%$90,102 2.4%$18,586 26.0% TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS $90,885 2.8%$89,006 2.3%($1,879)-2.1% LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND $68,248 2.1%$80,877 2.1%$12,628 18.5% FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I $62,532 1.9%$80,407 2.1%$17,875 28.6% BLACKROCK MID-CAP GROWTH EQUITY PORTFOLIO INSTITUTIONAL SHARES $66,219 2.1%$80,398 2.1%$14,179 21.4% AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E $66,671 2.1%$76,038 2.0%$9,367 14.0% BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A $44,177 1.4%$61,131 1.6%$16,953 38.4% FIDELITY SMALL CAP INDEX FUND $41,593 1.3%$53,690 1.4%$12,097 29.1% TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS $40,697 1.3%$46,405 1.2%$5,708 14.0% FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND $31,856 1.0%$34,529 0.9%$2,673 8.4% AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5 $28,405 0.9%$32,272 0.8%$3,867 13.6% FIDELITY INTERNATIONAL INDEX FUND $26,937 0.8%$29,714 0.8%$2,776 10.3% FIDELITY MID CAP INDEX FUND $21,159 0.7%$29,003 0.8%$7,844 37.1% TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS $25,070 0.8%$28,245 0.7%$3,174 12.7% COHEN & STEERS REALTY SHARES FUND CLASS L $16,936 0.5%$23,374 0.6%$6,437 38.0% PIMCO INCOME FUND CLASS A $19,556 0.6%$20,757 0.5%$1,201 6.1% PGIM HIGH YIELD FUND- CLASS Z $16,392 0.5%$18,730 0.5%$2,338 14.3% DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS $5,698 0.2%$16,660 0.4%$10,962 192.4% TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS $7,649 0.2%$14,697 0.4%$7,049 92.2% GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS $9,504 0.3%$11,603 0.3%$2,099 22.1% COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS $8,917 0.3%$9,171 0.2%$254 2.9% VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL $4,501 0.1%$6,678 0.2%$2,177 48.4% PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND $4,882 0.2%$5,845 0.2%$962 19.7% TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS $12,206 0.4%$4,955 0.1%($7,252) -59.4% COLUMBIA INCOME BUILDER FUND ADVISOR CLASS $3,933 0.1%$3,632 0.1%($301)-7.7% TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS $3,524 0.1%$3,226 0.1%($298)-8.5% BNY MELLON NATURAL RESOURCES FUND CLASS I $2,510 0.1%$3,140 0.1%$630 25.1% TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS $120 0.0%$280 0.0%$160 133.3% Total Assets Contributed $3,226,331 100.0%$3,840,707 100.0%$614,376 19.0% Contributions by Fund Oakland County 457(b) Deferred Compensation Plan 48 Plan Summary Interfund Transfers 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 Plan 49 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Participant Distribution Statistics Oakland County 457(b) Deferred Compensation Plan 50 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Rollover Distributions Statistics Oakland County 457(b) Deferred Compensation Plan Rollover Institution Rollover Distribution Amount # of Ppts Rollover Institution Rollover Distribution Amount # of Ppts Rollover Institution Rollover Distribution Amount # of Ppts Rollover Institution Rollover Distribution Amount # of Ppts Raymond James $818,625 3 Fidelity $2,187,828 4 Charles Schwab $837,920 2 Raymond James $1,293,843 2 NFS $291,619 1 Oppenheimer $664,472 1 TD Ameritrade $740,464 1 Fidelity $661,136 2 Merrill Lynch $166,951 1 LPL $213,757 1 NFS $719,042 3 Morgan Stanley $409,565 3 Prudential $150,000 1 Charles Schwab $49,437 1 Pershing $504,516 3 NFS $343,179 3 Charles Schwab $104,000 1 Principal $47,639 1 LPL $440,293 2 Thrivent Financial $315,931 1 Vibe CU $94,952 1 T Rowe Price $43,063 1 Morgan Stanley $419,039 1 TD Ameritrade $273,972 1 Pershing $62,207 1 Ameriprise $27,485 2 Fidelity $161,790 2 Principal $227,673 1 TSP $46,713 1 Edward Jones $1,756 1 Merrill Lynch $64,520 1 Lincoln Investments $203,258 1 Fidelity $42,083 1 TIAA $199 1 Vanguard $34,867 1 Baird $196,110 1 Edward Jones $19,873 1 Total $3,235,636 13 Allianz $4,593 1 Pershing $170,058 2 Principal $4,538 1 Citizens Bank $3,737 1 UBS $153,644 1 Total $1,801,561 13 Nationwide $2,005 1 PNC Bank $148,921 1 Prudential $84 1 Jackson National $88,571 1 Total $3,932,870 20 Wells Fargo $81,158 1 Merrill Lynch $79,512 2 Ameriprise $74,943 1 Edward Jones $69,310 2 SEI $59,116 1 Prudential $42,447 1 Charles Schwab $34,546 1 T Rowe Price $20,961 1 Nationwide $3,952 1 Walmark 401K Plan $404 1 Total $4,952,207 32 4/1/2021 - 6/30/20217/1/2020 -9/30/2020 10/1/2020 -12/31/2020 1/1/2021 - 3/31/2021 51 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Loan Activity Loan Utilization By Participant Age *Includes all participant statuses with balance > $0. % of Participants With Withdrawal Activity Oakland County 457(b) Deferred Compensation Plan 52 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Participant Loan Statistics Oakland County 457(b) Deferred Compensation Plan # of Oustanding Active Loans as of 6/30/2021 Participant Count 1 153 2 36 Total 189 Deemed Loans 1/1/2021- 3/31/2021 4/1/2021- 6/39/2021 # of Deemed Loans 0 1 Total Deemed Principal Loan Balance $0 $2,432 53 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Definitions: Unique Callers –The number of individuals that spoke 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 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). Registered Participants -The total number of individuals that established an account as of the reporting end date, for which they can access their retirement plan via the Participant Website. Participant Transaction Statistics Oakland County 457(b) Deferred Compensation Plan 54 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. INVESTMENT DIVERSIFICATION 55 Plan Summary 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 25-34 35-44 45-54 55-64 65+ Stable Value Fixed Inc-Domestic Fixed Inc-Glbl / International Allocation Equity - U.S. Large Equity - U.S. Mid/Small Equity - Glbl / International Alternative / Other Less than 25 25-34 35-44 45-54 55-64 65+Total Participants Invested in Only One Fund 17 219 234 274 217 140 1,101 Average # of Funds per Participant 4.5 5.1 5.1 6.0 5.9 4.8 5.5 Prudential Participants Avg. # of Funds per Participant as of 12/31/2020 5.1 5.3 5.4 5.4 5.2 4.2 5.2 % of Plan Assets in Stable Value 8.8% 1.6% 2.2% 5.4% 16.1% 17.5% 12.5% Prudential % of Plan Assets in Stable Value as of 12/31/2020 7.4% 6.7% 9.0% 13.8% 24.0% 38.3% 20.7% Self Directed Brokerage Account # of Participants 0 2 19 42 34 17 114 Oakland County 457(b) Deferred Compensation Plan Fund Utilization By Age As of June 30, 2021 Assets by Asset Class and Age As of June 30, 2021 Asset Allocation 56 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. The funds in bold type denote inclusion in the GoalMaker®product. INVESTMENT OPTIONS Balance % Invested in Fund # of Ppts Ppts Using as Sole Investment FIDELITY GROWTH COMPANY K6 FUND $78,542,286 19.8%1,614 42 GUARANTEED INCOME FUND $49,486,633 12.5%1,178 128 FIDELITY 500 INDEX FUND $40,511,377 10.2%944 26 FIDELITY PURITAN FUND $18,110,569 4.6%496 24 JPMORGAN EQUITY INCOME FUND CLASS R5 $17,838,347 4.5%1,273 2 T. ROWE PRICE NEW HORIZONS FUND $17,734,016 4.5%1,443 32 PGIM TOTAL RETURN BOND FUND -CLASS Z $15,033,256 3.8%1,066 2 LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND $12,352,997 3.1%632 7 SELF DIRECTED BROKERAGE ACCOUNT $12,031,251 3.0%114 9 TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS $11,465,489 2.9%153 60 MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3 $10,756,441 2.7%840 0 TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS $10,186,197 2.6%133 76 TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS $8,608,869 2.2%202 97 AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E $7,171,381 1.8%660 1 VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A $6,608,134 1.7%1,214 1 TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS $6,531,104 1.7%161 98 BLACKROCK MID-CAP GROWTH EQUITY PORTFOLIO INSTITUTIONAL SHARES $6,485,121 1.6%1,035 1 FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I $6,144,171 1.6%1,183 0 TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS $5,742,585 1.5%182 116 FIDELITY EMERGING MARKETS INDEX FUND $4,950,626 1.3%1,089 0 BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A $4,727,269 1.2%637 0 TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS $4,300,159 1.1%65 15 TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS $4,199,295 1.1%58 24 FIDELITY SMALL CAP INDEX FUND $4,136,051 1.0%235 1 FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND $3,600,306 0.9%215 4 TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS $3,135,460 0.8%143 102 PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND $2,964,302 0.7%24 2 FIDELITY INTERNATIONAL INDEX FUND $2,588,249 0.7%292 0 AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5 $2,371,361 0.6%345 1 COHEN & STEERS REALTY SHARES FUND CLASS L $2,324,328 0.6%177 4 FIDELITY MID CAP INDEX FUND $1,918,359 0.5%150 3 TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS $1,905,067 0.5%136 108 PGIM HIGH YIELD FUND- CLASS Z $1,898,725 0.5%203 2 TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS $1,847,467 0.5%71 9 PIMCO INCOME FUND CLASS A $1,656,278 0.4%116 2 DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS $1,260,497 0.3%61 0 COLUMBIA INCOME BUILDER FUND ADVISOR CLASS $1,049,285 0.3%67 0 TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS $858,176 0.2%95 73 COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS $703,743 0.2%68 0 GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS $576,007 0.1%65 0 VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL $552,082 0.1%22 0 TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS $515,978 0.1%44 28 BNY MELLON NATURAL RESOURCES FUND CLASS I $343,396 0.1%62 0 TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS $962 0.0%1 1 Total $395,723,648 100.0%0 Oakland County 457(b) Deferred Compensation Plan Utilization by Fund as of June 30, 2021 57 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Due to rounding, bar graph may not equal 100% Investment Utilization Oakland County 457(b) Deferred Compensation Plan 58 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Due to rounding, pie chart may not equal 100% Oakland County 457(b) Deferred Compensation Plan 59 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Due to rounding, pie chart may not equal 100% GoalMaker® Participation –Default vs Non-Default Investor Oakland County 457(b) Deferred Compensation Plan 60 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Asset Class Less than 25 25-34 35-44 45-54 55-64 65+Total Stable Value $14,617 $102,125 $570,961 $5,784,769 $21,369,783 $21,644,378 $49,486,633 Fixed Inc-Domestic $2,213 $123,833 $765,090 $6,843,241 $10,171,301 $6,247,129 $24,152,807 Fixed Inc-Glbl / International $372 $12,979 $88,564 $1,473,159 $2,032,253 $1,119,943 $4,727,269 Allocation $52,071 $2,054,840 $5,899,825 $20,247,160 $27,329,030 $25,838,035 $81,420,961 Equity - U.S. Large $35,603 $1,943,825 $9,213,734 $40,051,894 $46,959,147 $51,592,885 $149,797,088 Equity - U.S. Mid/Small $45,250 $1,196,105 $5,044,049 $15,157,141 $12,662,018 $8,921,289 $43,025,851 Equity - Glbl / International $16,889 $825,240 $3,250,088 $11,278,381 $8,038,971 $5,004,495 $28,414,064 Alternative / Other $14 $56,513 $1,484,247 $5,653,113 $4,031,431 $3,473,658 $14,698,976 Total Assets $167,028 $6,315,459 $26,316,558 $106,488,858 $132,593,933 $123,841,811 $395,723,648 % of Assets 0.0%1.6%6.7%26.9%33.5%31.3%100.0% Active Partcipants 39 454 562 866 494 86 2,501 Terminated Partcipants 2 50 66 132 280 333 863 Suspended Participants 0 0 1 1 1 2 5 Other Participants*0 3 6 11 23 41 84 Total Participants**41 507 635 1,010 798 462 3,453 Avg Account Balance $4,074 $12,457 $41,443 $105,435 $166,158 $268,056 $114,603 *Participant(s) who are not active, terminated or suspended, but have an account b alance greater than $0 (e.g. b reak-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. Oakland County 457(b) Deferred Compensation Plan Asset Allocation by Age Group as of June 30, 2021 61 Plan Summary INVESTMENT OPTIONS Less than 25 25-34 35-44 45-54 55-64 65+Total FIDELITY GROWTH COMPANY K6 FUND $17,357 $633,153 $4,417,981 $18,478,429 $25,005,876 $29,989,489 $78,542,286 GUARANTEED INCOME FUND $14,617 $102,125 $570,961 $5,784,769 $21,369,783 $21,644,378 $49,486,633 FIDELITY 500 INDEX FUND $621 $628,145 $2,239,817 $11,123,387 $13,569,193 $12,950,214 $40,511,377 FIDELITY PURITAN FUND $143 $8,803 $293,817 $4,019,801 $5,715,064 $8,072,940 $18,110,569 JPMORGAN EQUITY INCOME FUND CLASS R5 $8,624 $458,450 $1,757,162 $6,834,909 $4,758,061 $4,021,141 $17,838,347 T. ROWE PRICE NEW HORIZONS FUND $31,604 $588,661 $2,087,246 $5,716,960 $5,620,525 $3,689,019 $17,734,016 PGIM TOTAL RETURN BOND FUND -CLASS Z $816 $93,434 $349,007 $4,106,880 $6,476,755 $4,006,365 $15,033,256 LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND $8,970 $221,452 $776,295 $3,538,292 $3,200,336 $4,607,652 $12,352,997 SELF DIRECTED BROKERAGE ACCOUNT $0 $30,482 $1,253,297 $4,831,074 $2,849,531 $3,066,867 $12,031,251 TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS $1,603 $4,459 $54,955 $1,721,155 $4,941,925 $4,741,392 $11,465,489 MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3 $10,444 $339,680 $1,486,495 $5,049,520 $2,794,895 $1,075,407 $10,756,441 TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS $0 $0 $25,656 $686,417 $7,577,901 $1,896,223 $10,186,197 TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS $0 $11,043 $291,377 $3,973,772 $3,749,475 $583,203 $8,608,869 AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E $7 $163,939 $550,859 $2,315,107 $2,026,172 $2,115,297 $7,171,381 VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A $2,723 $198,938 $719,110 $2,300,234 $1,892,764 $1,494,364 $6,608,134 TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS $0 $18,704 $570,901 $4,301,331 $1,434,671 $205,496 $6,531,104 BLACKROCK MID-CAP GROWTH EQUITY PORTFOLIO INSTITUTIONAL SHARES $2,823 $120,431 $768,309 $2,405,916 $1,994,877 $1,192,765 $6,485,121 FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I $3,218 $163,093 $815,330 $2,639,523 $1,692,172 $830,835 $6,144,171 TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS $0 $51,797 $1,700,317 $3,126,050 $647,133 $217,287 $5,742,585 FIDELITY EMERGING MARKETS INDEX FUND $4,247 $207,715 $733,183 $2,325,315 $1,233,191 $446,975 $4,950,626 BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A $372 $12,979 $88,564 $1,473,159 $2,032,253 $1,119,943 $4,727,269 TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS $0 $0 $13,878 $258,641 $508,780 $3,518,860 $4,300,159 TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS $0 $0 $0 $12,264 $1,272,903 $2,914,128 $4,199,295 FIDELITY SMALL CAP INDEX FUND $4,336 $87,875 $463,160 $1,262,888 $954,037 $1,363,756 $4,136,051 FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND $0 $14,231 $153,792 $616,333 $1,775,575 $1,040,375 $3,600,306 TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS $1,603 $263,515 $2,032,831 $777,821 $51,081 $8,609 $3,135,460 PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND $0 $868 $6,154 $777,102 $175,222 $2,004,955 $2,964,302 FIDELITY INTERNATIONAL INDEX FUND $0 $28,869 $226,116 $647,860 $766,710 $918,694 $2,588,249 AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5 $2,190 $83,713 $177,868 $817,010 $985,422 $305,158 $2,371,361 COHEN & STEERS REALTY SHARES FUND CLASS L $0 $25,551 $209,801 $717,889 $1,002,083 $369,004 $2,324,328 FIDELITY MID CAP INDEX FUND $546 $37,108 $190,894 $831,620 $507,641 $350,550 $1,918,359 TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS $8,573 $715,838 $819,268 $107,030 $254,355 $3 $1,905,067 PGIM HIGH YIELD FUND- CLASS Z $1,375 $6,538 $81,905 $431,784 $869,163 $507,961 $1,898,725 TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS $0 $5,020 $5,365 $168,227 $407,288 $1,261,567 $1,847,467 PIMCO INCOME FUND CLASS A $11 $6,718 $117,804 $978,904 $328,282 $224,560 $1,656,278 DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS $11 $359 $46,190 $626,330 $549,612 $37,995 $1,260,497 COLUMBIA INCOME BUILDER FUND ADVISOR CLASS $0 $0 $18,299 $248,527 $369,087 $413,373 $1,049,285 TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS $3,272 $780,121 $55,974 $14,626 $4,183 $0 $858,176 COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS $0 $2,553 $16,394 $83,009 $171,915 $429,872 $703,743 GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS $0 $1,325 $75,566 $123,570 $232,581 $142,965 $576,007 VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL $30 $2,625 $22,479 $76,877 $425,681 $24,389 $552,082 TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS $35,915 $194,671 $11,034 $54,396 $219,963 $0 $515,978 BNY MELLON NATURAL RESOURCES FUND CLASS I $14 $479 $21,149 $104,150 $179,817 $37,787 $343,396 TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS $962 $0 $0 $0 $0 $0 $962 Total Assets $167,028 $6,315,459 $26,316,558 $106,488,858 $132,593,933 $123,841,811 $395,723,648 % of Assets 0.0%1.6%6.7%26.9%33.5%31.3%100.0% Total Participants 41 507 635 1,010 798 462 3,453 Avg. Account Balance $4,074 $12,457 $41,443 $105,435 $166,158 $268,056 $114,603 Fund Allocation by Age Group as of June 30, 2021 Oakland County 457(b) Deferred Compensation Plan For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.62 Plan Summary INVESTMENT OPTIONS Less than 25 25-34 35-44 45-54 55-64 65+Total FIDELITY GROWTH COMPANY K6 FUND 19 189 264 540 393 209 1,614 GUARANTEED INCOME FUND 9 77 133 298 404 257 1,178 FIDELITY 500 INDEX FUND 1 98 127 320 242 156 944 FIDELITY PURITAN FUND 1 11 44 156 158 127 497 JPMORGAN EQUITY INCOME FUND CLASS R5 15 206 247 406 290 109 1,273 T. ROWE PRICE NEW HORIZONS FUND 19 245 275 469 322 113 1,443 PGIM TOTAL RETURN BOND FUND -CLASS Z 7 134 158 334 303 130 1,066 LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND 6 98 106 201 142 79 632 SELF DIRECTED BROKERAGE ACCOUNT 0 2 19 42 34 17 114 TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS 2 1 6 33 55 56 153 MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3 12 136 163 281 193 55 840 TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS 0 0 4 20 92 17 133 TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS 0 3 15 89 80 15 202 AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E 2 95 119 207 154 83 660 VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A 13 209 233 378 278 103 1,214 TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS 0 3 25 121 10 3 162 BLACKROCK MID-CAP GROWTH EQUITY PORTFOLIO INSTITUTIONAL SHARES 13 144 203 344 249 82 1,035 FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I 13 202 235 382 265 86 1,183 TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS 0 6 81 87 7 1 182 FIDELITY EMERGING MARKETS INDEX FUND 14 201 224 352 233 65 1,089 BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A 5 52 82 222 208 68 637 TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS 0 0 4 8 10 43 65 TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS 0 0 0 3 21 34 58 FIDELITY SMALL CAP INDEX FUND 4 27 44 79 54 27 235 FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND 0 14 22 65 65 49 215 TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS 2 25 96 13 5 2 143 PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND 0 2 4 9 3 6 24 FIDELITY INTERNATIONAL INDEX FUND 0 62 68 83 48 31 292 AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5 4 74 67 111 74 15 345 COHEN & STEERS REALTY SHARES FUND CLASS L 1 14 32 64 47 19 177 FIDELITY MID CAP INDEX FUND 1 13 23 57 40 16 150 TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS 3 74 47 6 5 1 136 PGIM HIGH YIELD FUND- CLASS Z 3 13 27 63 67 30 203 TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS 0 2 4 15 16 34 71 PIMCO INCOME FUND CLASS A 1 5 14 51 32 13 116 DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS 1 2 5 26 23 4 61 COLUMBIA INCOME BUILDER FUND ADVISOR CLASS 0 0 8 19 29 11 67 TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS 2 87 3 1 2 0 95 COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS 0 3 8 16 21 20 68 GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS 0 6 14 16 21 8 65 VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL 1 5 2 7 5 2 22 TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS 8 27 4 1 4 0 44 BNY MELLON NATURAL RESOURCES FUND CLASS I 1 3 10 22 19 7 62 TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS 1 0 0 0 0 0 1 Total Participants 41 507 635 1,010 798 462 3,453 Average # of Funds Per Participant 4.5 5.1 5.1 6.0 5.9 4.8 5.5 For 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 June 30, 2021 Oakland County 457(b) Deferred Compensation Plan 63 Plan Summary 64 For Plan Sponsor or Consultant Use Only Assets 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. © 2021 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo and the Rock symbol 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 12/31/2020. Oakland County 457(b) Deferred Compensation Plan 64 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. Section III: Oakland County 457(b) PTNE Plan Plan Summary –940090 65 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. PLAN SUMMARY AND BENCHMARK TRENDS 66 Plan Summary Historical Plan Statistics 9/30/2020 12/31/2020 3/31/2021 6/30/2021 7/1/2020 - 9/30/2020 10/1/2020 - 12/31/2020 1/1/2021 - 3/31/2021 4/1/2021 - 6/30/2021 Total Participants Balances $11,809,159 $12,968,382 $13,283,785 $14,028,459 Contributions*$276,292 $289,711 $450,937 $345,852 Distributions*($135,208)($215,094)($408,271)($248,671) Cash Flow $141,084 $74,616 $42,666 $97,181 Market Value Gain / Loss**$556,986 $1,084,607 $497,311 $647,495 Account Balances Average Participant Balance $4,051 $4,446 $4,612 $4,584 Participation / Deferrals Participation Rate 58.1%55.0%44.8%66.7% Total Participants with a Balance 2,915 2,917 2,880 3,060 Asset Allocation % of Plan Assets in Stable Value 2.8%2.9%2.2%1.7% Number of Participants in One Fund 1,818 1,847 1,916 2,114 Number of Participants in Four or More Funds 8 8 7 7 Distributions Number of Distributions*51 65 82 62 Termination $117,587 $205,300 $386,327 $225,705 Hardship $0 $0 $0 $0 In Service ($814)$0 $0 $0 Coronavirus-Related Withdrawal $0 $0 $0 $0 Amount of Distributions $135,208 $215,094 $408,271 $248,671 Amount of Distributions Representing Rollovers $59,548 $102,920 $270,933 $153,154 % of Assets Distributed*1.1%1.7%3.1%1.8% *Includes Rollovers, Coronavirus-Related Distributions & Repayments, and Qualified Birth or Adoption Distributions & Repayments if applicable on the plan. **This is not the equivalent of a plan level return on investment due to the timing of additions, distributions and underlying investment performance. For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Oakland County 67 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Plan Demographics Summary 3/31/2021 1/1/2021 1/1/2021- 3/31/2021 4/1/2021- 6/30/2021 Total Participants*2,880 3,060 Active Participants 1,626 1,707 Terminated Participants 1,195 1,294 Other Participants**59 59 Average Participant Balance $4,612 $4,584 Average Account Balance for Active Participants $5,702 $5,619 Median Participant Balance $2,064 $2,048 Median Participant Balance for Active Participants $2,442 $2,264 Participants Age 50 and Over 1,020 1,048 Total Assets for Participants Age 50 and Over $8,394,021 $8,886,867 Total (Contributions + Rollovers In)$450,937 $345,852 Employee Contributions $187,499 $285,886 Employer Contributions $38,864 $59,966 Rollovers In $224,573 $0 Total Distributions ($408,271) ($248,671) Percentage of Assets Distributed 3.1%1.8% Market Value Gain / Loss****$497,311 $647,495 Total Participant Balances $13,283,785 $14,028,459 ****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. Oakland County 457(b) PTNE Plan 68 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Plan Features Stable Value 3/31/2021 6/30/2021 Participation Rate in Stable Value 1.4%1.2% % of Plan Assets in Stable Value 2.2%1.7% Prudential % of Plan Assets in Stable Value - As of 12/31/2020 eDelivery 3/31/2021 6/30/2021 # of Participants Enrolled in eDelivery 742 793 % of Participants in eDelivery 31.1% 30.8% Prudential % of Participants in eDelivery - As of 12/31/2020 50.4% 20.7% Oakland County 457(b) PTNE Plan Transactions 1/1/2021 - 3/31/2021 4/1/2021 - 6/30/2021 Total Enrollees*30 233 Number of Participants with Transfers 503 4 Distributions 82 62 eDelivery by Document Type 3/31/2021 6/30/2021 Statements 735 784 Confirms 742 791 Tax Forms 729 778 Plan Related Documents N/A 789 *Number of participants that were enrolled into the plan within the reporting period. This can include those individuals who 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. Transaction Summary Call Center 1/1/2021 - 3/31/2021 4/1/2021 - 6/30/2021 Total Call Volume 157 139 Participant Activity 69 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Asset Allocation/Net Activity By Age April 1, 2021 to June 30, 2021 Less than 25 25-34 35-44 45-54 55-64 65+Total Total Participant Balances $840,474 $1,966,387 $1,539,521 $2,204,929 $2,579,213 $4,897,935 $14,028,459 % Assets 6.0%14.0%11.0%15.7%18.4%34.9%100.0% Contributions $52,469 $29,450 $36,765 $49,033 $83,646 $94,489 $345,852 Total (Contributions + Rollovers In)$52,469 $29,450 $36,765 $49,033 $83,646 $94,489 $345,852 Cash Distributions ($14,517)($8,911)($14,634)($7,798)($17,997)($31,660)($95,517) Rollovers Out ($8,990)($11,835)($3,579)($10,902)($24,709)($93,139)($153,154) Total (Cash Distributions + Rollovers Out)($23,507)($20,747)($18,212)($18,700)($42,707)($124,799)($248,671) Net Activity $28,963 $8,703 $18,553 $30,333 $40,939 ($30,310)$97,181 Total Participants 906 645 285 294 410 520 3,060 Average Account Balance $928 $3,049 $5,402 $7,500 $6,291 $9,419 $4,584 Prudential Avg. Account Balance as of 12/31/2020 $3,940 $17,635 $49,972 $97,117 $136,242 $138,917 $80,721 Median Account Balance $487 $2,357 $3,324 $3,126 $3,861 $6,801 $2,048 Prudential Median Account Balance as of 12/31/2020 $4,404 $14,335 $34,065 $58,607 $86,341 $121,113 $77,565 Oakland County 457(b) PTNE Plan 70 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. RETIREMENT READINESS 71 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Total 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 period Contribution 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 participants Average 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 participants Average 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 t he 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 comple ted the RIC divided by the total count of all those active, eligible & suspended participants that have completed the RIC. Individuals no t 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. Oakland County 457(b) PTNE Plan Retirement Income Calculator (RIC) Analysis Total Retirement Income Calculator Completions 5 Unique Completions 5 Average Balance, RIC Participant $9,406 Average Balance, Non-RIC Participant $5,252 Total Count of Participants with a RIC Gap 49 Average RIC Gap $3,044 Total Count of Participants with a RIC Surplus 44 Average RIC Surplus $5,442 Average Income Replacement, RIC Participant 100% Note - due to market volatility and COVID, the numbers might be lower than prior quarters. Since Inception for Currently Active Participants as of 6/30/2021 4/1/2021 - 6/30/2021 72 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. PLAN ACTIVITY 73 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. INVESTMENT OPTIONS 1/1/2021 - 3/31/2021 % 4/1/2021 - 6/30/2021 %Change % TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS $25,750 11.4%$43,815 12.7%$18,065 70.2% TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS $30,521 13.5%$42,213 12.2%$11,692 38.3% TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS $21,109 9.3%$36,672 10.6%$15,563 73.7% TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS $5,533 2.4%$34,285 9.9%$28,752 519.7% TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS $20,228 8.9%$28,976 8.4%$8,748 43.2% TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS $23,392 10.3%$26,506 7.7%$3,114 13.3% TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS $18,801 8.3%$24,808 7.2%$6,007 32.0% TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS $18,548 8.2%$23,753 6.9%$5,204 28.1% TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS $12,088 5.3%$19,987 5.8%$7,899 65.3% TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS $17,073 7.5%$19,692 5.7%$2,618 15.3% TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS $11,075 4.9%$14,253 4.1%$3,178 28.7% TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS $9,614 4.3%$13,449 3.9%$3,835 39.9% TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS $9,973 4.4%$12,991 3.8%$3,017 30.3% GUARANTEED INCOME FUND $2,658 1.2%$4,453 1.3%$1,795 67.5% Total Assets Contributed $226,364 100.0%$345,852 100.0%$119,488 52.8% Contributions by Fund Oakland County 457(b) PTNE Plan 74 Plan Summary INVESTMENT OPTIONS IN OUT NET TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS $26,306 $0 $26,306 TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS $23,785 $0 $23,785 TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS $6,438 $0 $6,438 TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS $5,827 $0 $5,827 TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS $0 ($11,654)($11,654) GUARANTEED INCOME FUND $0 ($50,702)($50,702) TOTAL $62,356 ($62,356)$0 4/1/2021 to 6/30/2021 Interfund Transfers 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 Plan 75 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Participant Distribution Statistics Oakland County 457(b) PTNE Plan 76 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Rollover Distributions Statistics Oakland County 457(b) PTNE Plan Rollover Institution Rollover Distribution Amount # of Ppts Rollover Institution Rollover Distribution Amount # of Ppts Rollover Institution Rollover Distribution Amount # of Ppts Rollover Institution Rollover Distribution Amount # of Ppts Morgan Stanley $23,090 1 Ameriprise $24,977 2 NFS $120,072 1 Pershing $46,531 5 Charles Schwab $17,181 1 LPL $12,680 1 Fidelity $30,715 8 Ameriprise $32,324 1 Edward Jones $6,450 1 Edward Jones $12,320 3 TD Ameritrade $28,911 2 Stifel $21,147 1 Pershing $5,222 2 Morgan Stanley $10,685 1 Raymond James $22,344 2 Fidelity $11,636 2 Prudential $3,169 1 Pershing $9,452 2 Prudential $14,410 1 Alerus $10,044 1 Fidelity $3,154 2 Great American $8,985 1 Charles Schwab $9,788 6 Merrill Lynch $7,438 1 Michigan Education Savings Program $724 1 North American Co $7,691 1 Merrill Lynch $8,001 3 Charles Schwab $5,812 3 Guideline $333 1 Fidelity $5,317 1 Direct Transfer to 940080 $7,091 1 Edward Jones $4,583 2 Vibe CU $145 1 Assetmark $2,632 1 Vantagepoint $6,049 1 Principal $4,578 1 State of Michigan 457 Plan $82 1 Citizens Bank $1,827 1 The Home Depot $5,093 1 NFS $3,201 1 Total $59,548 12 Raymond James $1,506 1 Transamerica $4,976 1 Vanguard $2,878 1 Betterment $1,348 1 Voya $3,830 1 American Funds $1,142 1 TD Ameritrade $1,097 1 Primerica $3,370 1 Lincoln Investments $878 1 ICMA-RC $1,058 1 T Rowe Price $2,674 1 Wells Fargo $528 1 Charles Schwab $966 1 Thrift Savings Plan $2,400 1 PIMS $433 1 Great West $379 1 SEI $609 1 Total $153,154 23 Total $102,920 20 Pershing $600 1 Total $270,933 33 4/1/2021 - 6/30/20217/1/2020 - 9/30/2020 10/1/2020 - 12/31/2020 1/1/2021 - 3/31/2021 77 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Definitions: Unique Callers –The number of individuals that spoke 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 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). Registered Participants -The total number of individuals that established an account as of the reporting end date, for which they can access their retirement plan via the Participant Website. Participant Transaction Statistics Oakland County 457(b) PTNE Plan 78 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. INVESTMENT DIVERSIFICATION 79 Plan Summary 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 25-34 35-44 45-54 55-64 65+ Stable Value Allocation Less than 25 25-34 35-44 45-54 55-64 65+Total Participants Invested in Only One Fund 801 458 206 186 217 246 2,114 Average # of Funds per Participant 1.1 1.3 1.3 1.4 1.5 1.6 1.3 Prudential Participants Avg. # of Funds per Participant as of 12/31/2020 5.1 5.3 5.4 5.4 5.2 4.2 5.2 % of Plan Assets in Stable Value 0.0% 0.5% 0.5% 0.5% 1.2% 3.7% 1.7% Prudential % of Plan Assets in Stable Value as of 12/31/2020 7.4% 6.7% 9.0% 13.8% 24.0% 38.3% 20.7% Oakland County 457(b) PTNE Plan Fund Utilization By Age As of June 30, 2021 Assets by Asset Class and Age As of June 30, 2021 Asset Allocation 80 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. as of June 30, 2021 INVESTMENT OPTIONS Balance % Invested in Fund # of Ppts Ppts Using as Sole Investment TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS $1,980,116 14.1%325 175 TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS $1,512,150 10.8%265 52 TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS $1,420,976 10.1%273 118 TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS $1,366,813 9.7%288 79 TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS $1,364,874 9.7%389 206 TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS $1,190,843 8.5%279 62 TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS $1,160,250 8.3%199 94 TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS $957,231 6.8%232 128 TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS $951,672 6.8%232 118 TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS $668,027 4.8%301 107 TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS $499,185 3.6%435 275 TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS $411,198 2.9%571 570 TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS $302,427 2.2%232 113 GUARANTEED INCOME FUND $242,697 1.7%38 17 Total $14,028,459 100.0% Oakland County 457(b) PTNE Plan Utilization by Fund 81 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Due to rounding, bar graph may not equal 100% Investment Utilization Oakland County 457(b) PTNE Plan 82 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Asset Class Less than 25 25-34 35-44 45-54 55-64 65+Total Stable Value $0 $10,521 $7,051 $10,069 $32,090 $182,966 $242,697 Allocation $840,474 $1,955,866 $1,532,470 $2,194,859 $2,547,123 $4,714,969 $13,785,762 Total Assets $840,474 $1,966,388 $1,539,521 $2,204,929 $2,579,213 $4,897,935 $14,028,459 % of Assets 6.0%14.0%11.0%15.7%18.4%34.9%100.0% Active Participants 415 235 166 199 305 387 1,707 Terminated Participants 486 389 108 83 96 132 1,294 Other Participants*5 21 11 12 9 1 59 Total Participants 906 645 285 294 410 520 3,060 Avg Account Balance $928 $3,049 $5,402 $7,500 $6,291 $9,419 $4,584 *Participant(s) who are not active, terminated or suspended, but have an account b alance greater than $0 (e.g. b reak-in-service, rehire, etc.). Oakland County 457(b) PTNE Plan Asset Allocation by Age Group as of June 30, 2021 83 Plan Summary INVESTMENT OPTIONS Less than 25 25-34 35-44 45-54 55-64 65+Total TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS $6,945 $13,263 $2,618 $15,427 $30,728 $1,911,136 $1,980,116 TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS $0 $396 $3,003 $1,460 $164,371 $1,342,919 $1,512,150 TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS $0 $454 $22 $687,648 $600,210 $132,643 $1,420,976 TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS $0 $431 $21 $152,680 $736,934 $476,747 $1,366,813 TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS $2,410 $964,486 $248,571 $8,644 $24,407 $116,357 $1,364,874 TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS $0 $413 $0 $0 $662,007 $528,424 $1,190,843 TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS $0 $3,441 $571,875 $525,251 $13,992 $45,690 $1,160,250 TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS $2,269 $170,421 $509,713 $200,102 $34,189 $40,537 $957,231 TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS $0 $478 $93,044 $563,756 $217,409 $76,986 $951,672 TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS $71,948 $431,668 $98,156 $15,884 $7,742 $42,629 $668,027 TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS $283,435 $180,209 $5,448 $22,591 $7,502 $0 $499,185 TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS $386,336 $0 $0 $0 $24,861 $0 $411,198 TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS $87,132 $190,207 $0 $1,416 $22,771 $900 $302,427 GUARANTEED INCOME FUND $0 $10,521 $7,051 $10,069 $32,090 $182,966 $242,697 Total Assets $840,474 $1,966,387 $1,539,521 $2,204,929 $2,579,213 $4,897,935 $14,028,459 % of Assets 6.0%14.0%11.0%15.7%18.4%34.9%100.0% Total Participants 906 645 285 294 410 520 3,060 Avg. Account Balance $928 $3,049 $5,402 $7,500 $6,291 $9,419 $4,584 Fund Allocation by Age Group as of June 30, 2021 Oakland County 457(b) PTNE Plan For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.84 Plan Summary INVESTMENT OPTIONS Less than 25 25-34 35-44 45-54 55-64 65+Total TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS 28 26 4 14 11 242 325 TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS 0 1 1 1 25 237 265 TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS 0 1 1 95 165 11 273 TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS 0 1 1 12 168 106 288 TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS 6 274 90 2 6 11 389 TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS 0 1 0 0 124 154 279 TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS 0 2 88 99 3 7 199 TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS 1 45 120 57 4 5 232 TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS 0 1 19 118 87 7 232 TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS 41 209 40 2 4 5 301 TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS 289 139 1 3 3 0 435 TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS 570 0 0 0 1 0 571 TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS 79 147 0 1 3 2 232 GUARANTEED INCOME FUND 0 4 3 2 9 20 38 Total Participants 906 645 285 294 410 520 3,060 Average # of Funds Per Participant 1.1 1.3 1.3 1.4 1.5 1.6 1.3 For 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 June 30, 2021 Oakland County 457(b) PTNE Plan 85 Plan Summary 86 For Plan Sponsor or Consultant Use Only Assets 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. © 2021 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo and the Rock symbol 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 12/31/2020. Oakland County 457(b) PTNE Plan 86 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. Section IV: Monthly Activity Report –Q2 2021 87 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Onsite Education Results Q2 2021 Oakland County 401(A) Employees Retirement System Q2 2021 Meetings for Oakland County April May June 198 96 51 Q2 2021 Webinar Attendees for Oakland County April Art of Balancing May Emergency Savings June How do I save More Challenge 2 4 2 88 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. Section V: Forfeiture Account 89 Plan Summary 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 System Forfeiture Account Activity –Quarter April 1, 2021 through June 30, 2021 Forfeiture Account Activity –Year to Date January 1, 2021 through June 30, 2021 Forfeiture Account Activity –Prior Year 2020 Source Investment Beginning Forfeiture Balance Additions Reductions Investment Results Dividends / Capital Gains Ending Forfeiture Balance 457B MATCH Guaranteed Income Fund 1,015.21 0.00 0.00 4.40 0.00 1,019.61 EE MANDATORY PRETAX Guaranteed Income Fund 143.03 0.00 0.00 0.62 0.00 143.65 EMPLOYER NONELECTIVE VESTING Guaranteed Income Fund 616,515.59 94,257.50 ( 485,200.00) 1,567.61 0.00 227,140.70 617,673.83 94,257.50 ( 485,200.00) 1,572.63 0.00 228,303.96 Forfeiture Account 2Q2021 (4/1/21-6/30/21) Source Investment Beginning Forfeiture Balance Additions Reductions Investment Results Dividends / Capital Gains Ending Forfeiture Balance 457B MATCH Guaranteed Income Fund 1,010.87 0.00 0.00 8.74 0.00 1,019.61 EE MANDATORY PRETAX Guaranteed Income Fund 142.42 0.00 0.00 1.23 0.00 143.65 EMPLOYER NONELECTIVE VESTING Guaranteed Income Fund 484,021.75 224,299.52 ( 485,200.00) 4,019.43 0.00 227,140.70 485,175.04 224,299.52 ( 485,200.00) 4,029.40 0.00 228,303.96 Forfeiture Account YTD - 2021 Source Investment Beginning Forfeiture Balance Additions Reductions Investment Results Dividends / Capital Gains Ending Forfeiture Balance 457B MATCH Guaranteed Income Fund 990.82 0.00 0.00 20.05 0.00 1,010.87 EE MANDATORY PRETAX Guaranteed Income Fund 0.00 141.41 0.00 1.01 0.00 142.42 EMPLOYER NONELECTIVE VESTING Guaranteed Income Fund 249,826.83 331,365.03 ( 104,669.32) 7,499.21 0.00 484,021.75 250,817.65 331,506.44 ( 104,669.32) 7,520.27 0.00 485,175.04 Forfeiture Account - 2020 90 Plan Summary 91 For Plan Sponsor or Consultant Use Only Assets 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. © 2021 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide. Oakland County 401(A) Employees Retirement System 91 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. Section VI: Suspense Account 92 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Oakland County Retirement Plans Suspense Account Activity April 1, 2021 through June 30, 2021 Source Investment Beginning Suspense Balance Additions Reductions Investment Results Dividends / Capital Gains Ending Suspense Balance EE MANDATORY PRETAX Guaranteed Income Fund 4,675.25 0.00 0.00 20.27 0.00 4,695.52 EMPLOYER NONELECTIVE VESTING Guaranteed Income Fund 82,775.70 1,765.52 0.00 363.25 0.00 84,904.47 87,450.95 1,765.52 0.00 383.52 0.00 89,599.99 Oakland County 401(A) Employees Retirement System, Plan 940070 Oakland County 457(b) Deferred Compensation Plan, Plan 940080 Source Investment Beginning Suspense Balance Additions Reductions Investment Results Dividends / Capital Gains Ending Suspense Balance PRE-TAX DEFERRALS Guaranteed Income Fund 8,029.31 0.00 0.00 34.81 0.00 8,064.12 PTNE ER TRANSFER Guaranteed Income Fund 32,088.35 564.41 0.00 140.57 0.00 32,793.33 40,117.66 564.41 0.00 175.38 0.00 40,857.45 Oakland County 457(b) PTNE Plan, Plan 940090 Source Investment Beginning Suspense Balance Additions Reductions Investment Results Dividends / Capital Gains Ending Suspense Balance EMPLOYEE DEFERRALS Guaranteed Income Fund 4,567.75 0.00 0.00 19.80 0.00 4,587.55 4,567.75 0.00 0.00 19.80 0.00 4,587.55 93 Plan Summary 94 For Plan Sponsor or Consultant Use Only Assets 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. © 2021 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide. Oakland County Retirement Plans 94 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. Section VII: Service Standards Guarantees 95 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 2021 Results - 2nd Quarter 2021 Results - 3rd Quarter 2021 Results - 4th Quarter 2021 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 Overall 1Q Service Level: 83%; Overall 1Q Abandonment Rate: 1.1% Overall 2Q Service Level 81%; Overall 2Q Abandonment Rate: 1.3% 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 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 83.3%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 96.4%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. $1,400 100%100% 96 Amount at Risk GuaranteeService Results - 1st Quarter 2021 Results - 2nd Quarter 2021 Results - 3rd Quarter 2021 Results - 4th Quarter 2021 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. $1,400 100%100% Participant Satisfaction 80% rating of Satisfied to Highly Satisfied on a 4 point scale $1,400 Overall Participant Satisfaction: 82% Overall Participant Satisfaction: 86% 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) $1,400 100%100% 97 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 2021 Results - 2nd Quarter 2021 Results - 3rd Quarter 2021 Results - 4th Quarter 2021 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 Overall 1Q Service Level: 83%; Overall 1Q Abandonment Rate: 1.1% Overall 2Q Service Level 81%; Overall 2Q Abandonment Rate: 1.3% 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 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) $1,400 100%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 87.5%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. $1,400 100%100% 98 Amount at Risk GuaranteeService Results - 1st Quarter 2021 Results - 2nd Quarter 2021 Results - 3rd Quarter 2021 Results - 4th Quarter 2021 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. $1,400 100%100% Participant Satisfaction 80% rating of Satisfied to Highly Satisfied on a 4 point scale $1,400 Overall Participant Satisfaction: 82% Overall Participant Satisfaction: 86% 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) $1,400 100%100% 99 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 2021 Results - 2nd Quarter 2021 Results - 3rd Quarter 2021 Results - 4th Quarter 2021 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 Overall 1Q Service Level: 83%; Overall 1Q Abandonment Rate: 1.1% Overall 2Q Service Level 81%; Overall 2Q Abandonment Rate: 1.3% 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 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) $1,400 100%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 50.0%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. $1,400 100%100% 100 Amount at Risk GuaranteeService Results - 1st Quarter 2021 Results - 2nd Quarter 2021 Results - 3rd Quarter 2021 Results - 4th Quarter 2021 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. $1,400 100%100% Participant Satisfaction 80% rating of Satisfied to Highly Satisfied on a 4 point scale $1,400 Overall Participant Satisfaction: 82% Overall Participant Satisfaction: 86% 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) $1,400 100%100% 101 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. 280 Trumbull Street Hartford, CT 06103 © 2021 Prudential Financial, Inc. and its related entities. Prudential, the Prudential logo and the Rock symbol are service marks of Prudential Financial, Inc., and its related entities, registered in many jurisdictions worldwide.