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Reports - 2021.11.18 - 35174
For Institutional Plan Sponsor use only. Not to be distributed to plan participants or the general public. PLAN SUMMARY Oakland County Retirement Plans Presented by: Stephanie Biddle, Vice President, Key Accounts As Of: September 30, 2021 Report contains information up through the last business day of end period. 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 –Q3 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 12/31/2020 3/31/2021 6/30/2021 9/30/2021 10/1/2020 - 12/31/2020 1/1/2021 - 3/31/2021 4/1/2021 - 6/30/2021 7/1/2021 - 9/30/2021 Total Participants Balances $791,650,616 $805,522,154 $847,406,701 $841,855,810 Contributions*$8,715,129 $9,339,436 $9,523,712 $8,178,276 Distributions*($6,183,722) ($13,849,569) ($15,142,631) ($11,160,485) Cash Flow $2,531,407 ($4,510,133) ($5,618,919) ($2,982,209) Market Value Gain / Loss**$77,010,802 $18,508,623 $47,597,680 ($2,285,681) Account Balances Average Participant Balance $148,946 $151,585 $159,437 $157,769 Participation / Deferrals Total Participants with a Balance 5,315 5,314 5,315 5,336 Asset Allocation % of Plan Assets in Stable Value 10.3%10.8%10.0%9.9% % of Plan Assets for GoalMaker Participants 17.5%18.3%18.6%18.1% Participation Rate in GoalMaker 11.1%11.5%11.7%11.6% Number of Participants in GoalMaker 588 613 624 617 Number of Participants in One Fund 1,497 1,533 1,577 1,620 Number of Participants in Four or More Funds 1,958 1,961 1,955 1,953 Distributions Number of Distributions*612 613 594 607 Termination $4,803,483 $10,989,204 $13,395,352 $8,211,845 Hardship $0 $0 $0 $0 In Service $78,109 $202,907 $96,775 $144,331 Coronavirus-Related Withdrawal $0 $0 $0 $0 Amount of Distributions $6,183,722 $13,849,569 $15,142,631 $11,160,485 Amount of Distributions Representing Rollovers $3,019,087 $9,388,050 $11,693,807 $7,789,072 % of Assets Distributed*0.8%1.7%1.8%1.3% Loans Number of New Loans 73 74 75 91 Number of Outstanding Active Loans 1,094 1,074 1,046 1,059 Average Loan Balance $7,437 $7,363 $7,479 $7,579 *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 6/30/2021 4/1/2021 4/1/2021- 6/30/2021 7/1/2021- 9/30/2021 Total Participants*5,315 5,336 Active Participants 3,474 3,487 Terminated Participants 1,723 1,733 Other Participants**115 113 Multiple Status Participants***3 3 Average Participant Balance $159,437 $157,769 Average Account Balance for Active Participants $177,161 $175,399 Median Participant Balance $58,858 $58,251 Median Participant Balance for Active Participants $90,309 $87,558 Participants Age 50 and Over 2,441 2,453 Total Assets for Participants Age 50 and Over $556,000,070 $554,214,479 Total (Contributions + Rollovers In)$9,523,712 $8,178,276 Employee Contributions $2,742,943 $2,376,625 Employer Contributions $6,686,555 $5,518,648 Rollovers In $94,213 $283,002 Total Distributions ($15,142,631) ($11,160,485) Percentage of Assets Distributed 1.8%1.3% Market Value Gain / Loss****$47,597,680 ($2,285,681) Total Participant Balances $847,406,701 $841,855,810 *** 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 6/30/2021 9/30/2021 Plan Assets for Participants in GoalMaker $157,361,572 $152,725,395 % of Plan Assets for GoalMaker Participants 18.6%18.1% # of Participants in GoalMaker 624 617 Participation Rate in GoalMaker 11.7%11.6% Prudential % of Participants in GoalMaker - As of 12/31/2020 IncomeFlex 6/30/2021 9/30/2021 % of Plan Assets Invested in IncomeFlex Funds for IncomeFlex Participants 52.4%54.0% # of Participants in IncomeFlex 96 95 Participation Rate in IncomeFlex 1.8%1.8% Prudential % of Participants in IncomeFlex - As of 12/31/2020 Stable Value 6/30/2021 9/30/2021 Participation Rate in Stable Value 24.8%24.5% % of Plan Assets in Stable Value 9.7%9.9% Prudential % of Plan Assets in Stable Value - As of 12/31/2020 eDelivery 6/30/2021 9/30/2021 # of Participants Enrolled in eDelivery 3,228 3,255 # of Participants Affirmatively Elected eDelivery 3,211 3,238 # of Participants Defaulted into eDelivery 17 17 % of Participants in eDelivery 61.9% 62.1% 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 $157,769 $80,721 $99,973 $103,108 $110,278 Median Account Balance $58,251 $77,565 $65,359 $79,970 $83,441 % of Plan Assets in Stable Value 9.9%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®3.9%9.1%N/A N/A N/A % of Participants Utilizing GoalMaker®11.6%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 $7,579 $7,891 $9,190 $10,121 $10,709 % of Participants Utilizing eDelivery 62.1%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 July 1, 2021 to September 30, 2021 Less than 25 25-34 35-44 45-54 55-64 65+Total Total Participant Balances $974,065 $34,499,895 $120,158,837 $309,321,185 $219,198,953 $157,702,875 $841,855,810 % Assets 0.1%4.1%14.3%36.7%26.0%18.7%100.0% Average Contribution Rate ($)$0 $0 $0 $0 $331 $0 $331 Average Contribution Rate (%)4.4%4.5%4.5%4.8%5.2%7.0%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 $128,197 $1,479,407 $1,898,761 $2,766,109 $1,344,844 $277,956 $7,895,274 Rollovers In*$0 $30,400 $252,602 $0 $0 $0 $283,002 Total (Contributions + Rollovers In)$128,197 $1,509,807 $2,151,363 $2,766,109 $1,344,844 $277,956 $8,178,276 Cash Distributions ($13,083)($300,934)($161,187)($244,632)($1,206,991)($1,444,586)($3,371,413) Rollovers Out ($3)($186,079)($216,501)($21,705)($2,771,683)($4,593,101)($7,789,072) Total (Cash Distributions + Rollovers Out)($13,086)($487,013)($377,688)($266,337)($3,978,675)($6,037,686)($11,160,485) Net Activity $115,111 $1,022,794 $1,773,675 $2,499,772 ($2,633,831)($5,759,730)($2,982,209) Total Participants**116 935 1,125 1,477 1,049 636 5,338 Average Account Balance $8,397 $36,898 $106,808 $209,425 $208,960 $247,960 $157,710 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 $5,054 $27,504 $61,550 $140,114 $96,403 $73,426 $58,251 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 $42,548 $270,420 $836,309 $1,310,910 $1,784,106 $3,328,010 Low Balance $77 $3 $0.10 $0.01 $3 $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 401(A) Employees Retirement System Average Balance By Years of Service as of September 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* $27,830 $83,312 $132,615 $233,612 $331,975 $405,880 $468,160 $386,055 $656,429 $14,059 $0 $3,328,010 * 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 4/1/2021 - 6/30/2021 % 7/1/2021 - 9/30/2021 %Change % TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS $756,704 8.0%$634,780 8.0%($121,924) -16.1% TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS $656,210 7.0%$558,637 7.1%($97,573) -14.9% TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS $657,488 7.0%$557,020 7.1%($100,468) -15.3% TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS $652,831 6.9%$548,966 7.0%($103,865) -15.9% TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS $600,047 6.4%$509,987 6.5%($90,060) -15.0% TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS $495,193 5.3%$417,504 5.3%($77,688) -15.7% FIDELITY GROWTH COMPANY K6 FUND $494,679 5.3%$415,857 5.3%($78,822) -15.9% GUARANTEED INCOME FUND $483,591 5.1%$379,585 4.8%($104,006) -21.5% JPMORGAN EQUITY INCOME FUND CLASS R5 $426,869 4.5%$357,420 4.5%($69,449) -16.3% TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS $404,638 4.3%$345,463 4.4%($59,174) -14.6% TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS $416,253 4.4%$341,302 4.3%($74,951) -18.0% MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3 $382,481 4.1%$317,691 4.0%($64,790) -16.9% FIDELITY 500 INDEX FUND $327,889 3.5%$272,181 3.5%($55,708) -17.0% T. ROWE PRICE NEW HORIZONS FUND $326,831 3.5%$271,942 3.4%($54,889) -16.8% TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS $273,025 2.9%$252,672 3.2%($20,353)-7.5% LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND $293,659 3.1%$240,066 3.0%($53,594) -18.3% PGIM TOTAL RETURN BOND FUND -CLASS Z $255,034 2.7%$204,539 2.6%($50,494) -19.8% BLACKROCK MID-CAP GROWTH EQUITY PORTFOLIO INSTITUTIONAL SHARES $207,381 2.2%$170,752 2.2%($36,630) -17.7% FIDELITY EMERGING MARKETS INDEX FUND $158,288 1.7%$131,728 1.7%($26,560) -16.8% TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS $150,866 1.6%$119,086 1.5%($31,781) -21.1% VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A $125,378 1.3%$108,853 1.4%($16,526) -13.2% FIDELITY SMALL CAP INDEX FUND $116,401 1.2%$99,343 1.3%($17,059) -14.7% FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I $113,342 1.2%$96,185 1.2%($17,157) -15.1% BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A $96,751 1.0%$77,205 1.0%($19,546) -20.2% AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E $79,106 0.8%$64,684 0.8%($14,422) -18.2% AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5 $69,908 0.7%$61,912 0.8%($7,996) -11.4% TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS $50,230 0.5%$43,907 0.6%($6,323) -12.6% PIMCO INCOME FUND CLASS A $50,418 0.5%$42,662 0.5%($7,756) -15.4% FIDELITY PURITAN FUND $46,908 0.5%$38,654 0.5%($8,254) -17.6% FIDELITY MID CAP INDEX FUND $41,967 0.5%$34,368 0.4%($7,599) -18.1% FIDELITY INTERNATIONAL INDEX FUND $28,466 0.3%$26,593 0.3%($1,874)-6.6% PGIM HIGH YIELD FUND- CLASS Z $33,800 0.4%$25,792 0.3%($8,007) -23.7% COHEN & STEERS REALTY SHARES FUND CLASS L $30,784 0.3%$24,437 0.3%($6,348) -20.6% DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS $29,376 0.3%$20,796 0.3%($8,579) -29.2% TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS $16,796 0.2%$20,308 0.3%$3,512 20.9% FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND $21,091 0.2%$16,888 0.2%($4,202) -19.9% PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND $20,715 0.2%$14,373 0.2%($6,342) -30.6% BNY MELLON NATURAL RESOURCES FUND CLASS I $14,011 0.2%$10,354 0.1%($3,658) -26.1% TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS $7,503 0.1%$6,912 0.1%($591)-7.9% VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL $6,213 0.1%$5,141 0.1%($1,072) -17.3% GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS $4,584 0.1%$3,545 0.0%($1,039) -22.7% COLUMBIA INCOME BUILDER FUND ADVISOR CLASS $2,765 0.0%$2,792 0.0%$27 1.0% COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS $3,026 0.0%$2,390 0.0%($636) -21.0% Total Assets Contributed $9,429,498 100.0%$7,895,274 100.0%($1,534,225) -16.3% Contributions by Fund Oakland County 401(A) Employees Retirement System 14 Plan Summary INVESTMENT OPTIONS IN OUT NET PIMCO INCOME FUND CLASS A $855,759 ($33,121) $822,638 DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS $746,824 ($97,739) $649,085 FIDELITY 500 INDEX FUND $1,332,960 ($778,613) $554,346 PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND $508,219 $0 $508,219 TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS $524,089 ($47,295) $476,794 PGIM HIGH YIELD FUND- CLASS Z $474,248 ($67,583) $406,665 PGIM TOTAL RETURN BOND FUND -CLASS Z $853,185 ($485,762) $367,423 FIDELITY GROWTH COMPANY K6 FUND $1,353,555 ($1,101,948) $251,607 FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND $518,861 ($286,241) $232,620 FIDELITY MID CAP INDEX FUND $260,766 ($73,912) $186,854 GUARANTEED INCOME FUND $1,890,838 ($1,765,676) $125,162 AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5 $294,563 ($183,508) $111,055 FIDELITY PURITAN FUND $241,066 ($133,084) $107,982 BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A $297,868 ($199,957)$97,910 FIDELITY INTERNATIONAL INDEX FUND $139,189 ($71,049)$68,140 T. ROWE PRICE NEW HORIZONS FUND $616,719 ($557,359)$59,361 GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS $37,282 ($11,983)$25,299 VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL $104,415 ($86,482)$17,933 SELF DIRECTED BROKERAGE ACCOUNT $223,155 ($207,268)$15,887 TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS $57,729 ($45,196)$12,533 TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS $11,315 $0 $11,315 COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS $11,268 $0 $11,268 COLUMBIA INCOME BUILDER FUND ADVISOR CLASS $0 ($922)($922) TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS $0 ($12,018)($12,018) COHEN & STEERS REALTY SHARES FUND CLASS L $193,930 ($220,468)($26,538) TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS $514,283 ($571,195)($56,912) TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS $40,231 ($97,198)($56,968) BNY MELLON NATURAL RESOURCES FUND CLASS I $16,080 ($82,064)($65,983) FIDELITY EMERGING MARKETS INDEX FUND $129,786 ($199,954)($70,168) MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3 $452,988 ($535,819)($82,831) TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS $0 ($105,258) ($105,258) TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS $0 ($109,982) ($109,982) TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS $0 ($182,804) ($182,804) TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS $0 ($187,970) ($187,970) VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A $224,280 ($421,222) ($196,942) AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E $35,335 ($367,326) ($331,991) BLACKROCK MID-CAP GROWTH EQUITY PORTFOLIO INSTITUTIONAL SHARES $155,657 ($521,079) ($365,423) LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND $393,251 ($775,065) ($381,815) TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS $0 ($390,632) ($390,632) TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS $0 ($421,694) ($421,694) FIDELITY SMALL CAP INDEX FUND $168,113 ($702,444) ($534,332) JPMORGAN EQUITY INCOME FUND CLASS R5 $389,954 ($944,630) ($554,676) FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I $113,476 ($1,097,716) ($984,240) TOTAL $14,181,234 ($14,181,234)$0 7/1/2021 to 9/30/2021 Interfund Transfers For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Oakland County 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 Oppenheimer $699,102 1 Pershing $1,181,018 4 Fidelity $2,178,985 3 Edward Jones $1,547,753 3 Fidelity $656,345 7 Prudential $1,177,627 4 Morgan Stanley $2,045,454 5 TD Ameritrade $1,454,268 4 Ameriprise $350,699 2 LPL $1,086,703 2 NFS $1,148,979 4 Merrill Lynch $1,443,490 2 Charles Schwab $289,920 2 Charles Schwab $1,033,937 3 TD Ameritrade $1,102,829 1 Charles Schwab $1,187,566 4 LPL $201,465 1 TD Ameritrade $998,651 4 Merrill Lynch $1,091,254 5 Morgan Stanley $496,141 1 Edward Jones $184,899 2 Fidelity $851,980 10 Thrivent Financial $814,189 1 Baird $364,691 1 Merrill Lynch $169,506 2 Jackson National $659,684 1 Raymond James $764,341 2 Allianz $283,101 1 TD Ameritrade $94,146 2 NFS $595,988 2 Ameriprise $534,143 1 Fidelity $191,326 7 Principal $89,699 1 Allianz $303,926 2 UBS $474,432 1 Pacific Life $174,104 1 Lincoln $86,422 1 Nationwide $272,391 1 Baird $276,972 1 Vanguard $171,434 1 T Rowe Price $40,027 1 Edward Jones $249,645 4 Principal $227,259 1 Raymond James $163,276 2 Citizens Bank $37,013 1 American Equity $200,000 1 Jackson National $209,081 1 Prudential $97,120 2 Mass Mutual $27,630 1 Morgan Stanley $149,433 2 Pershing $173,659 3 John Hancock $72,075 1 Prudential $20,997 1 UBS $146,099 1 Wells Fargo $166,530 1 JP Morgan $68,613 1 Midland $18,692 1 Primerica $144,000 1 JP Morgan $121,215 1 Northern Trust $28,070 1 Mutual of Omaha $15,593 1 Vanguard $137,433 2 Charles Schwab $88,151 2 US Bank $26,830 1 Equity Trust Co $15,000 1 Fifth Third Bank $110,564 1 Edward Jones $71,691 3 Vibe Credit Union $12,527 1 TIAA $8,430 1 Alerus Financial $31,540 1 Prudential $58,899 2 LPL $4,406 2 Nationwide $6,954 1 E Trade $27,799 1 T Rowe Price $38,824 1 Principal $1,244 1 Transamerica $6,547 1 Merrill Lynch $24,923 1 PNC Bank $27,676 2 Jackson National Life $740 1 Total $3,019,087 31 Thrift Savings Plan $2,715 1 Ohio Deferred Compensation Plan $25,136 1 State of Michigan 401k Plan $292 1 Raymond James $1,992 1 LPL $17,518 1 Benefit Trust $3 1 Total $9,388,050 50 ISTO $11,134 1 Total $7,789,072 40 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 - 6/30/2021 7/1/2021 - 9/30/202110/1/2020 - 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 9/30/2021 Participant Count 1 309 2 124 3 53 4 37 5 39 Total 562 4/1/2021- 6/30/2021 7/1/2021- 9/30/2021 # of Deemed Loans 19 12 Total Deemed Principal Loan Balance $112,471 $65,169 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 99 390 376 358 228 169 1,620 Average # of Funds per Participant 1.8 3.0 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 0.5% 0.9% 2.0% 5.6% 14.0% 20.5% 9.9% 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 17 38 27 12 97 Oakland County 401(A) Employees Retirement System Fund Utilization By Age As of September 30, 2021 Assets by Asset Class and Age As of September 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 $83,010,352 9.9%1,308 99 TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS $68,603,700 8.1%852 255 LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND $61,649,221 7.3%1,090 6 JPMORGAN EQUITY INCOME FUND CLASS R5 $50,608,873 6.0%1,409 1 TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS $47,895,141 5.7%747 116 FIDELITY GROWTH COMPANY K6 FUND $45,909,229 5.5%1,395 10 FIDELITY 500 INDEX FUND $41,360,037 4.9%998 14 TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS $35,950,666 4.3%511 86 MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3 $35,475,897 4.2%1,058 0 PGIM TOTAL RETURN BOND FUND -CLASS Z $33,443,396 4.0%1,146 0 BLACKROCK MID-CAP GROWTH EQUITY PORTFOLIO INSTITUTIONAL SHARES $28,207,972 3.4%1,303 0 T. ROWE PRICE NEW HORIZONS FUND $27,303,848 3.2%1,273 18 TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS $26,198,319 3.1%664 133 TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS $26,069,146 3.1%930 161 TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS $24,244,272 2.9%541 94 PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND $22,875,830 2.7%95 15 SELF DIRECTED BROKERAGE ACCOUNT $19,903,806 2.4%97 4 FIDELITY SMALL CAP INDEX FUND $14,523,711 1.7%467 1 VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A $13,945,928 1.7%1,109 0 TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS $12,967,066 1.5%282 48 FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I $12,194,674 1.4%995 0 FIDELITY EMERGING MARKETS INDEX FUND $11,837,132 1.4%962 0 FIDELITY PURITAN FUND $11,661,352 1.4%531 7 TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS $11,405,739 1.4%595 132 BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A $11,242,179 1.3%682 0 AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E $9,838,062 1.2%798 1 TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS $9,612,490 1.1%473 186 AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5 $7,854,527 0.9%368 1 PIMCO INCOME FUND CLASS A $7,360,283 0.9%324 0 PGIM HIGH YIELD FUND- CLASS Z $5,015,013 0.6%312 0 COHEN & STEERS REALTY SHARES FUND CLASS L $3,724,081 0.4%321 2 FIDELITY MID CAP INDEX FUND $3,512,058 0.4%159 0 DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS $3,487,008 0.4%221 0 FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND $2,754,074 0.3%161 2 TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS $2,624,592 0.3%243 186 FIDELITY INTERNATIONAL INDEX FUND $2,496,476 0.3%214 0 TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS $1,269,373 0.2%76 14 BNY MELLON NATURAL RESOURCES FUND CLASS I $1,194,529 0.1%142 0 COLUMBIA INCOME BUILDER FUND ADVISOR CLASS $958,045 0.1%49 0 VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL $614,195 0.1%30 1 GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS $381,705 0.0%49 0 COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS $295,004 0.0%39 0 TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS $260,128 0.0%58 5 TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS $116,680 0.0%23 22 Total $841,855,810 100.0%0 Oakland County 401(A) Employees Retirement System Utilization by Fund as of September 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. Default Investor 12/31/2020 3/31/2021 6/30/2021 9/30/2021 Plan Assets for Participants in GoalMaker $0 $0 $0 $0 # of Participants in GoalMaker 0 0 0 0 Participation Rate in GoalMaker 0.0% 0.0% 0.0%0.0% % of Plan Assets for GoalMaker Participants 0.0% 0.0% 0.0%0.0% Non-Default Investor 12/31/2020 3/31/2021 6/30/2021 9/30/2021 Plan Assets for Participants In GoalMaker $138,785,524 $147,233,035 $157,361,572 $152,725,395 # of Participants in GoalMaker 588 613 624 617 Participation Rate in GoalMaker 11.1% 11.5% 11.7% 11.6% % of Plan Assets for GoalMaker Participants 17.5% 18.3% 18.6% 18.1% Total 12/31/2020 3/31/2021 6/30/2021 9/30/2021 Plan Assets for Participants In GoalMaker $138,785,524 $147,233,035 $157,361,572 $152,725,395 # of Participants in GoalMaker 588 613 624 617 Participation Rate in GoalMaker 11.1% 11.5% 11.7% 11.6% % of Plan Assets for GoalMaker Participants 17.5% 18.3% 18.6% 18.1% Percentage of Assets by GoalMaker® Investor As of 9/30/2021 0.0% 100.0% Default Investor Non-Default Investor 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 $4,619 $312,951 $2,411,477 $17,200,822 $30,702,176 $32,378,308 $83,010,352 Fixed Inc-Domestic $3,575 $303,979 $3,234,492 $20,481,886 $19,188,096 $9,142,749 $52,354,779 Fixed Inc-Glbl / International $1,626 $39,649 $487,375 $3,828,682 $4,730,862 $2,153,987 $11,242,179 Allocation $740,795 $23,026,810 $58,606,162 $96,051,639 $72,973,911 $51,313,223 $302,712,538 Equity - U.S. Large $119,091 $4,711,508 $25,033,690 $85,701,955 $49,131,655 $35,443,655 $200,141,555 Equity - U.S. Mid/Small $65,655 $4,095,446 $16,265,526 $44,592,446 $21,660,189 $13,008,928 $99,688,191 Equity - Glbl / International $38,576 $1,941,847 $10,954,957 $31,767,534 $15,138,286 $8,042,600 $67,883,800 Alternative / Other $128 $67,704 $3,165,159 $9,696,222 $5,673,778 $6,219,424 $24,822,415 Total Assets $974,065 $34,499,895 $120,158,837 $309,321,185 $219,198,952 $157,702,874 $841,855,810 % of Assets 0.1%4.1%14.3%36.7%26.0%18.7%100.0% Active Participants 94 719 817 1,109 624 128 3,491 Terminated Participants 20 204 285 349 399 477 1,734 Other Participants 2 12 23 19 26 31 113 Total Participants 116 935 1,125 1,477 1,049 636 5,338 Avg Account Balance $8,397 $36,898 $106,808 $209,425 $208,960 $247,960 $157,710 *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 27 Plan Summary INVESTMENT OPTIONS Less than 25 25-34 35-44 45-54 55-64 65+Total GUARANTEED INCOME FUND $4,619 $312,951 $2,411,477 $17,200,822 $30,702,176 $32,378,308 $83,010,352 TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS $0 $73,636 $6,785,891 $23,688,966 $19,402,837 $18,652,369 $68,603,700 LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND $3,018 $811,248 $6,088,674 $24,071,536 $15,138,508 $15,536,237 $61,649,221 JPMORGAN EQUITY INCOME FUND CLASS R5 $24,694 $1,103,216 $6,896,897 $21,636,802 $12,620,420 $8,326,844 $50,608,873 TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS $0 $36,351 $4,845,026 $37,933,476 $3,753,615 $1,326,674 $47,895,141 FIDELITY GROWTH COMPANY K6 FUND $53,025 $1,924,811 $7,342,927 $22,939,344 $9,624,964 $4,024,158 $45,909,229 FIDELITY 500 INDEX FUND $37,231 $847,085 $4,534,832 $16,920,185 $11,482,501 $7,538,204 $41,360,037 TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS $0 $0 $1,357,431 $5,883,446 $20,779,717 $7,930,072 $35,950,666 MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3 $26,734 $1,066,649 $5,710,368 $16,094,807 $8,173,486 $4,403,854 $35,475,897 PGIM TOTAL RETURN BOND FUND -CLASS Z $3,575 $141,923 $1,654,434 $12,608,497 $11,871,876 $7,163,090 $33,443,396 BLACKROCK MID-CAP GROWTH EQUITY PORTFOLIO INSTITUTIONAL SHARES $7,437 $431,842 $3,805,385 $12,676,827 $6,760,944 $4,525,538 $28,207,972 T. ROWE PRICE NEW HORIZONS FUND $29,849 $2,569,161 $5,993,656 $11,708,578 $4,658,902 $2,343,702 $27,303,848 TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS $0 $1,026 $19,397,249 $6,749,112 $49,422 $1,511 $26,198,319 TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS $17,610 $5,523,756 $19,444,137 $901,882 $43,041 $138,720 $26,069,146 TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS $0 $94,499 $421,114 $14,758,722 $8,790,724 $179,213 $24,244,272 PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND $45 $35,295 $82,202 $1,722,401 $5,776,459 $15,259,427 $22,875,830 SELF DIRECTED BROKERAGE ACCOUNT $0 $34,685 $2,484,436 $7,153,687 $4,378,616 $5,852,382 $19,903,806 FIDELITY SMALL CAP INDEX FUND $9,476 $214,933 $1,574,639 $6,743,822 $3,279,930 $2,700,911 $14,523,711 VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A $9,410 $406,560 $2,304,538 $5,957,081 $3,276,431 $1,991,909 $13,945,928 TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS $11,287 $0 $6,342 $640,937 $9,895,104 $2,413,397 $12,967,066 FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I $8,683 $390,983 $2,201,736 $5,799,892 $2,691,632 $1,101,747 $12,194,674 FIDELITY EMERGING MARKETS INDEX FUND $10,044 $486,158 $2,354,767 $5,771,635 $2,445,093 $769,435 $11,837,132 FIDELITY PURITAN FUND $0 $30,899 $911,484 $3,285,815 $3,405,272 $4,027,882 $11,661,352 TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS $8,206 $5,923,215 $5,159,456 $306,886 $7,977 $0 $11,405,739 BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A $1,626 $39,649 $487,375 $3,828,682 $4,730,862 $2,153,987 $11,242,179 AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E $0 $92,990 $1,399,345 $4,604,135 $2,118,104 $1,623,487 $9,838,062 TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS $8,732 $9,571,311 $29,660 $2,787 $0 $0 $9,612,490 AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5 $1,006 $194,686 $881,890 $3,761,197 $2,006,403 $1,009,344 $7,854,527 PIMCO INCOME FUND CLASS A $0 $110,708 $632,379 $3,032,756 $2,931,429 $653,011 $7,360,283 PGIM HIGH YIELD FUND- CLASS Z $0 $20,249 $393,222 $1,858,599 $1,925,753 $817,191 $5,015,013 COHEN & STEERS REALTY SHARES FUND CLASS L $63 $26,553 $558,062 $2,055,540 $827,840 $256,023 $3,724,081 FIDELITY MID CAP INDEX FUND $799 $81,966 $385,573 $1,706,246 $992,351 $345,122 $3,512,058 DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS $0 $6,404 $284,601 $1,463,844 $1,463,150 $269,010 $3,487,008 FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND $0 $23,849 $196,401 $1,478,561 $838,572 $216,691 $2,754,074 TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS $588,706 $1,735,013 $157,781 $92,639 $50,452 $0 $2,624,592 FIDELITY INTERNATIONAL INDEX FUND $792 $92,661 $559,612 $1,369,131 $282,982 $191,298 $2,496,476 TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS $0 $0 $0 $0 $298,784 $970,589 $1,269,373 BNY MELLON NATURAL RESOURCES FUND CLASS I $65 $6,467 $122,662 $486,995 $467,322 $111,019 $1,194,529 COLUMBIA INCOME BUILDER FUND ADVISOR CLASS $0 $1,810 $8,388 $74,161 $687,825 $185,862 $958,045 VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL $1,124 $25,149 $170,360 $134,088 $265,263 $18,213 $614,195 GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS $0 $8,703 $48,974 $166,629 $112,217 $45,182 $381,705 COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS $0 $846 $73,456 $39,629 $157,317 $23,756 $295,004 TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS $0 $0 $0 $10,410 $22,211 $227,507 $260,128 TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS $106,209 $0 $0 $0 $10,470 $0 $116,680 Total Assets $974,065 $34,499,895 $120,158,837 $309,321,185 $219,198,952 $157,702,874 $841,855,810 % of Assets 0.1%4.1%14.3%36.7%26.0%18.7%100.0% Total Participants 116 935 1,125 1,477 1,049 636 5,338 Avg. Account Balance $8,397 $36,898 $106,808 $209,425 $208,960 $247,960 $157,710 Fund Allocation by Age Group as of September 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 47 114 392 414 338 1,308 TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS 0 16 161 307 183 185 852 LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND 2 70 152 424 262 181 1,091 JPMORGAN EQUITY INCOME FUND CLASS R5 8 134 235 516 344 173 1,410 TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS 0 1 80 616 37 13 747 FIDELITY GROWTH COMPANY K6 FUND 12 144 210 492 357 181 1,396 FIDELITY 500 INDEX FUND 5 51 118 357 281 187 999 TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS 0 0 17 64 379 51 511 MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3 7 106 166 412 243 125 1,059 PGIM TOTAL RETURN BOND FUND -CLASS Z 3 61 137 433 345 168 1,147 BLACKROCK MID-CAP GROWTH EQUITY PORTFOLIO INSTITUTIONAL SHARES 8 117 213 501 323 142 1,304 T. ROWE PRICE NEW HORIZONS FUND 10 165 236 446 305 112 1,274 TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS 0 2 398 258 5 1 664 TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS 3 317 590 14 3 3 930 TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS 0 4 12 303 215 7 541 PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND 1 2 5 21 33 33 95 SELF DIRECTED BROKERAGE ACCOUNT 0 3 17 38 27 12 97 FIDELITY SMALL CAP INDEX FUND 4 35 79 191 104 54 467 VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A 8 121 200 406 267 108 1,110 TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS 1 0 4 31 155 91 282 FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I 8 110 178 377 235 87 995 FIDELITY EMERGING MARKETS INDEX FUND 8 115 174 372 219 74 962 FIDELITY PURITAN FUND 0 10 61 191 156 115 533 TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS 1 358 229 5 2 0 595 BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A 3 40 78 266 213 83 683 AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E 0 38 134 325 196 106 799 TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS 3 466 2 2 0 0 473 AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5 2 31 68 145 89 34 369 PIMCO INCOME FUND CLASS A 0 11 43 153 89 29 325 PGIM HIGH YIELD FUND- CLASS Z 0 10 45 129 89 40 313 COHEN & STEERS REALTY SHARES FUND CLASS L 1 13 63 145 75 24 321 FIDELITY MID CAP INDEX FUND 2 17 24 62 41 14 160 DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS 0 7 28 110 58 19 222 FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND 0 5 11 51 64 31 162 TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS 83 151 4 1 4 0 243 FIDELITY INTERNATIONAL INDEX FUND 2 18 34 83 53 24 214 TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS 0 0 0 0 9 67 76 BNY MELLON NATURAL RESOURCES FUND CLASS I 1 4 20 72 35 10 142 COLUMBIA INCOME BUILDER FUND ADVISOR CLASS 0 1 3 20 19 6 49 VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL 2 5 4 6 10 3 30 GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS 0 4 7 21 14 3 49 COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS 0 1 3 12 16 7 39 TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS 0 0 0 10 6 43 59 TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS 22 0 0 0 1 0 23 Total Participants 116 935 1,125 1,477 1,049 636 5,338 Average # of Funds Per Participant 1.8 3.0 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 od September 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 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Oakland County 32 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 6/30/2021 4/1/2021 4/1/2021- 6/30/2021 7/1/2021- 9/30/2021 Total Participants*3,452 3,458 Active Participants 2,500 2,491 Terminated Participants 862 880 Suspended Participants 5 3 Other Participants**84 83 Multiple Status Participants***1 1 Average Participant Balance $114,636 $113,818 Average Account Balance for Active Participants $88,773 $88,133 Median Participant Balance $29,141 $29,229 Median Participant Balance for Active Participants $21,969 $21,977 Participants Age 50 and Over 1,813 1,827 Total Assets for Participants Age 50 and Over $320,985,580 $319,637,318 Total (Contributions + Rollovers In)$4,016,388 $3,421,130 Employee Contributions $3,840,707 $3,065,021 Rollovers In $175,681 $356,110 Total Distributions ($6,479,492) ($4,695,325) Percentage of Assets Distributed 1.6%1.2% Market Value Gain / Loss****$26,190,605 ($509,761) Total Participant Balances $395,723,648 $393,583,583 *** 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 33 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 6/30/2021 9/30/2021 Plan Assets for Participants in GoalMaker $58,972,390 $60,348,141 % of Plan Assets for GoalMaker Participants 14.9%15.3% # of Participants in GoalMaker 710 718 Participation Rate in GoalMaker 20.6%20.8% Prudential % of Participants in GoalMaker - As of 12/31/2020 IncomeFlex 6/30/2021 9/30/2021 % of Plan Assets Invested in IncomeFlex Funds for IncomeFlex Participants 38.0%37.6% # of Participants in IncomeFlex 24 24 Participation Rate in IncomeFlex 0.7%0.7% Prudential % of Participants in IncomeFlex - As of 12/31/2020 Auto Features 6/30/2021 9/30/2021 % of Contributing Participants in Contribution Accelerator 8.0%8.1% Prudential % of Contributing Participants in Contribution Accelerator - As of 12/31/2020 Stable Value 6/30/2021 9/30/2021 Participation Rate in Stable Value 34.1%34.0% % of Plan Assets in Stable Value 12.3%12.6% Prudential % of Plan Assets in Stable Value - As of 12/31/2020 eDelivery 6/30/2021 9/30/2021 # of Participants Enrolled in eDelivery 2,501 2,512 # of Participants Affirmatively Elected eDelivery 2,492 2,503 # of Participants Defaulted into eDelivery 9 9 % of Participants in eDelivery 73.5% 73.6% Prudential % of Participants in eDelivery - As of 12/31/2020 50.4% 20.7% 52.2% 7.8% 30.4% Oakland County 457(b) Deferred Compensation Plan Transaction Summary Participant Activity 34 Plan Summary For Plan Sponsor or Consultant Use Only Oakland County 457(b) Deferred Compensation Plan Benchmark Trends –Plan Features 35 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 68.6%70.5%66.9%78.9%79.0% Average Contribution Rate (%)8.9%7.7%7.1%7.1%7.5% Average Account Balance $113,818 $80,721 $99,973 $103,108 $110,278 Median Account Balance $29,229 $77,565 $65,359 $79,970 $83,441 % of Plan Assets in Stable Value 12.6%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®20.8%52.2%N/A N/A N/A % of Participants have Outstanding Active Loans 5.3%12.2%10.2%14.2%12.8% Average Loan Balance $6,273 $7,891 $9,190 $10,121 $10,709 % of Participants Utilizing eDelivery 73.6%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 36 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 July 1, 2021 to September 30, 2021 Less than 25 25-34 35-44 45-54 55-64 65+Total Total Participant Balances $133,705 $6,347,747 $24,932,570 $108,204,927 $129,580,653 $124,383,982 $393,583,583 % Assets 0.0%1.6%6.3%27.5%32.9%31.6%100.0% Average Contribution Rate ($)$78 $114 $147 $213 $249 $421 $196 Average Contribution Rate (%)6.6%7.2%7.9%9.1%13.0%13.8%8.9% Prudential Avg. Contribution Rate (%) as of 12/31/2020 5.2%6.2%7.0%8.1%9.7%11.4%7.7% Contributions $16,931 $359,884 $568,393 $1,171,926 $783,299 $164,588 $3,065,021 Rollovers In*$0 $56,959 $8,747 $282,497 $7,908 $0 $356,110 Total (Contributions + Rollovers In)$16,931 $416,843 $577,140 $1,454,423 $791,206 $164,588 $3,421,130 Cash Distributions $0 ($83,112)($37,695)($135,272)($1,069,258)($439,295)($1,764,632) Rollovers Out $0 ($44,249)($83,706)$0 ($336,808)($2,465,930)($2,930,692) Total (Cash Distributions + Rollovers Out)$0 ($127,361)($121,401)($135,272)($1,406,065)($2,905,225)($4,695,325) Net Activity $16,931 $289,482 $455,739 $1,319,151 ($614,859)($2,740,637)($1,274,194) Total Participants**37 495 639 1,023 793 472 3,459 Average Account Balance $3,614 $12,824 $39,018 $105,772 $163,406 $263,525 $113,785 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 $2,141 $6,959 $12,533 $43,893 $68,252 $105,594 $29,229 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 $15,451 $209,059 $574,037 $1,144,919 $2,351,480 $3,819,964 Low Balance $117 $23 $33 $29 $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 September 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* $17,062 $32,151 $42,591 $73,644 $151,228 $211,674 $208,806 $214,555 $434,488 $59,496 $0 $1,577,814 * Active Employees 37 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. RETIREMENT READINESS 38 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 39 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. by Location Name Participation Rate By Employee Location as of September 30, 2021 Oakland County 457(b) Deferred Compensation Plan Contributing Enrolled Not Contributing Eligible Not Enrolled 52/1 District Court 34 1 14 69.4% 52/2 District Court 15 0 9 62.5% 52/3 District Court 18 1 20 46.2% 52/4 District Court 14 0 13 51.9% Animal Control 16 0 7 69.6% Aviation & Transportation 12 0 5 70.6% Board Of Commissioners 20 1 18 51.3% Bus Dev Admin.3 0 1 75.0% Bus Dev/Business Retention & Expansion 4 0 0 100.0% Bus Dev/Emerging Growth & Innovation 1 0 1 50.0% Business Development/Financial Services 2 0 1 66.7% Children’s Village 0 0 2 0.0% Children’s Village Admin.70 2 95 41.9% Circuit Court 210 10 146 57.4% Clerk/Register of Deeds 50 1 30 61.7% Community & Home Improvement 8 0 8 50.0% Community Corrections 24 1 20 53.3% Compliance Office 1 0 0 100.0% Corporation Counsel/Risk Management 16 0 5 76.2% County Executive 54 2 16 75.0% Dept. of Communications Marketing & Communications Unit 1 0 1 50.0% Dept. of Public Communications Creative Operations Unit 4 0 0 100.0% Economic Dev & Comm Affairs 2 0 3 40.0% Emergency Management and Homeland Security 4 0 2 66.7% Emergency Management & Homeland Security/Building Safety 14 1 8 60.9% Equalization 70 2 6 89.7% Facilities 75 4 60 54.0% Health 199 5 69 72.9% Health Business Admin Services 5 0 1 83.3% Homeland Security 2 0 1 66.7% Housing Counsel & Homeless Services 2 0 1 66.7% Location Participants Participation Rate % 9/30/2021 Contributing Enrolled Not Contributing Eligible Not Enrolled Human Resources 23 2 1 88.5% IT 94 7 25 74.6% Management & Budget/Fiscal Services 68 4 11 81.9% Medical Examiner 13 1 4 72.2% MSU Extension Administration 1 0 3 25.0% National & International Bus Attraction 2 0 1 66.7% Parks and Recreation 49 2 22 67.1% Planning & Economic Development 12 0 2 85.7% Probate Court 24 2 21 51.1% Prosecuting Attorney 91 2 58 60.3% Purchasing 8 0 1 88.9% Sheriff 503 24 93 81.1% Sheriff/Addison 6 0 1 85.7% Sheriff/Brandon 11 1 1 84.6% Sheriff/Commerce 31 1 7 79.5% Sheriff/Highland 15 0 3 83.3% Sheriff/Independence 32 0 1 97.0% Sheriff/Lyon 18 2 1 85.7% Sheriff/Oakland 10 1 3 71.4% Sheriff/Orion 34 0 1 97.1% Sheriff/Oxford 16 0 100.0% Sheriff/Pontiac 75 3 13 82.4% Sheriff/Rochester Hills 57 2 3 91.9% Sheriff/Springfield 8 0 1 88.9% Support Services 18 0 11 62.1% Treasurer 25 5 3 75.8% Veterans Services 6 1 6 46.2% Water Resources Commissioner 196 13 112 61.1% Workforce Development 5 0 0 100.0% #N/A 3 20 5 10.7% Total 2,404 124 977 68.6% Location Participants Participation Rate % 9/30/2021 40 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. by Participation Rate % Participation Rate By Employee Location as of September 30, 2021 Oakland County 457(b) Deferred Compensation Plan Contributing Enrolled Not Contributing Eligible Not Enrolled Bus Dev/Business Retention & Expansion 4 0 0 100.0% Compliance Office 1 0 0 100.0% Dept. of Public Communications Creative Operations Unit 4 0 0 100.0% Sheriff/Oxford 16 0 100.0% Workforce Development 5 0 0 100.0% Sheriff/Orion 34 0 1 97.1% Sheriff/Independence 32 0 1 97.0% Sheriff/Rochester Hills 57 2 3 91.9% Equalization 70 2 6 89.7% Purchasing 8 0 1 88.9% Sheriff/Springfield 8 0 1 88.9% Human Resources 23 2 1 88.5% Planning & Economic Development 12 0 2 85.7% Sheriff/Addison 6 0 1 85.7% Sheriff/Lyon 18 2 1 85.7% Sheriff/Brandon 11 1 1 84.6% Health Business Admin Services 5 0 1 83.3% Sheriff/Highland 15 0 3 83.3% Sheriff/Pontiac 75 3 13 82.4% Management & Budget/Fiscal Services 68 4 11 81.9% Sheriff 503 24 93 81.1% Sheriff/Commerce 31 1 7 79.5% Corporation Counsel/Risk Management 16 0 5 76.2% Treasurer 25 5 3 75.8% Bus Dev Admin.3 0 1 75.0% County Executive 54 2 16 75.0% IT 94 7 25 74.6% Health 199 5 69 72.9% Medical Examiner 13 1 4 72.2% Sheriff/Oakland 10 1 3 71.4% Aviation & Transportation 12 0 5 70.6% Location Participants Participation Rate % 9/30/2021 Contributing Enrolled Not Contributing Eligible Not Enrolled Animal Control 16 0 7 69.6% 52/1 District Court 34 1 14 69.4% Parks and Recreation 49 2 22 67.1% Business Development/Financial Services 2 0 1 66.7% Emergency Management and Homeland Security 4 0 2 66.7% Homeland Security 2 0 1 66.7% Housing Counsel & Homeless Services 2 0 1 66.7% National & International Bus Attraction 2 0 1 66.7% 52/2 District Court 15 0 9 62.5% Support Services 18 0 11 62.1% Clerk/Register of Deeds 50 1 30 61.7% Water Resources Commissioner 196 13 112 61.1% Emergency Management & Homeland Security/Building Safety 14 1 8 60.9% Prosecuting Attorney 91 2 58 60.3% Circuit Court 210 10 146 57.4% Facilities 75 4 60 54.0% Community Corrections 24 1 20 53.3% 52/4 District Court 14 0 13 51.9% Board Of Commissioners 20 1 18 51.3% Probate Court 24 2 21 51.1% Bus Dev/Emerging Growth & Innovation 1 0 1 50.0% Community & Home Improvement 8 0 8 50.0% Dept. of Communications Marketing & Communications Unit 1 0 1 50.0% 52/3 District Court 18 1 20 46.2% Veterans Services 6 1 6 46.2% Children’s Village Admin.70 2 95 41.9% Economic Dev & Comm Affairs 2 0 3 40.0% MSU Extension Administration 1 0 3 25.0% #N/A 3 20 5 10.7% Children’s Village 0 0 2 0.0% Total 2,404 124 977 68.6% Location Participants Participation Rate % 9/30/2021 41 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. 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 the plan are excluded from the calculation. Average Income Replacement, Non-RIC Participant -Calculated by summing the income replacement percentages of all active, eligible & suspended participants who have not completed the RIC divided by the total count of all those active, eligible & suspended participants that have completed the RIC. Individuals 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 212 Unique Completions 161 Contribution Rate Increase 19 Average Balance, RIC Participant $97,527 Average Balance, Non-RIC Participant $82,754 Average Contribution Rate, RIC Participant 9.36% Average Contribution Rate, Non-RIC Participant 8.05% Total Count of Participants with a RIC Gap 1,036 Average RIC Gap $2,742 Total Count of Participants with a RIC Surplus 473 Average RIC Surplus $2,439 Average Income Replacement, RIC Participant 67% Average Income Replacement, Non-RIC Participant 131% Note - due to market volatility and COVID, the numbers might be lower than prior quarters. Since Inception for Currently Active Participants as of 9/30/2021 7/1/2021 - 9/30/2021 42 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Oakland County 457(b) Deferred Compensation Plan IncomeFlex Participation 43 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. # of Participants % of Contributing Participants Prudential % of Contributing Participants* Number of Participants in Contribution Accelerator program as of Reporting End Date**194 8.1%30.4% Contribution Increment of 1%159 6.6%N/A Contribution Increment of 2%22 0.9%N/A Contribution Increment of >= 3%13 0.5%N/A *Prudential Book of Business as of 12/31/2020 ** Includes participants with Contribution Accelerator Increment Amounts ($) if applicable on the plan for participants in Contribution Accelerator for participants not in Contribution Accelerator 9.0% average contribution rate(%) Auto Features As of 9/30/2021 As of : 8.6% average contribution rate(%) 1 42 53 79 18 1 0 10 20 30 40 50 60 70 80 90 Less than 25 25-34 35-44 45-54 55-64 65+ # of Participants in Contribution Accelerator # of Participants in Contribution Accelerator As of September 30, 2021 Oakland County 457(b) Deferred Compensation Plan Auto Features (1 of 2) 44 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 7/1/2021 - 9/30/2021 Number of Participants Enrolled Into Contribution Accelerator During the Reporting Period*8 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*8 Defaulted Into Contribution Accelerator*0 Opted Into Contribution Accelerator*8 Opted Into Contribution Accelerator at 1% Contribution Increment*6 Opted Into Contribution Accelerator at >1% Contribution Increment 2 * 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) 45 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. PLAN ACTIVITY 46 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. INVESTMENT OPTIONS 4/1/2021 - 6/30/2021 % 7/1/2021 - 9/30/2021 %Change % FIDELITY GROWTH COMPANY K6 FUND $385,536 10.0%$312,889 10.2%($72,647) -18.8% FIDELITY 500 INDEX FUND $339,067 8.8%$276,840 9.0%($62,227) -18.4% GUARANTEED INCOME FUND $401,168 10.5%$250,660 8.2%($150,508) -37.5% JPMORGAN EQUITY INCOME FUND CLASS R5 $247,469 6.4%$209,246 6.8%($38,223) -15.4% MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3 $212,110 5.5%$175,950 5.7%($36,160) -17.0% T. ROWE PRICE NEW HORIZONS FUND $196,877 5.1%$166,691 5.4%($30,186) -15.3% TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS $152,209 4.0%$137,690 4.5%($14,518)-9.5% PGIM TOTAL RETURN BOND FUND -CLASS Z $166,552 4.3%$125,651 4.1%($40,901) -24.6% TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS $134,666 3.5%$114,807 3.8%($19,860) -14.7% TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS $145,503 3.8%$108,151 3.5%($37,352) -25.7% TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS $111,138 2.9%$96,416 3.2%($14,721) -13.2% TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS $103,224 2.7%$90,782 3.0%($12,442) -12.1% TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS $94,145 2.5%$90,689 3.0%($3,457)-3.7% FIDELITY EMERGING MARKETS INDEX FUND $104,914 2.7%$87,068 2.8%($17,846) -17.0% VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A $90,102 2.4%$77,308 2.5%($12,794) -14.2% LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND $80,877 2.1%$68,921 2.3%($11,956) -14.8% FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I $80,407 2.1%$68,064 2.2%($12,343) -15.4% AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E $76,038 2.0%$66,282 2.2%($9,756) -12.8% BLACKROCK MID-CAP GROWTH EQUITY PORTFOLIO INSTITUTIONAL SHARES $80,398 2.1%$66,051 2.2%($14,347) -17.8% FIDELITY PURITAN FUND $91,567 2.4%$64,516 2.1%($27,052) -29.5% TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS $46,405 1.2%$44,988 1.5%($1,417)-3.1% FIDELITY SMALL CAP INDEX FUND $53,690 1.4%$44,674 1.5%($9,016) -16.8% BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A $61,131 1.6%$43,955 1.4%($17,175) -28.1% TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS $89,006 2.3%$43,267 1.4%($45,739) -51.4% FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND $34,529 0.9%$29,537 1.0%($4,991) -14.5% FIDELITY INTERNATIONAL INDEX FUND $29,714 0.8%$27,038 0.9%($2,676)-9.0% TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS $28,245 0.7%$25,194 0.8%($3,051) -10.8% AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5 $32,272 0.8%$25,031 0.8%($7,241) -22.4% FIDELITY MID CAP INDEX FUND $29,003 0.8%$23,128 0.8%($5,875) -20.3% COHEN & STEERS REALTY SHARES FUND CLASS L $23,374 0.6%$19,657 0.6%($3,716) -15.9% PIMCO INCOME FUND CLASS A $20,757 0.5%$17,723 0.6%($3,034) -14.6% PGIM HIGH YIELD FUND- CLASS Z $18,730 0.5%$14,476 0.5%($4,254) -22.7% DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS $16,660 0.4%$12,152 0.4%($4,508) -27.1% GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS $11,603 0.3%$7,831 0.3%($3,772) -32.5% COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS $9,171 0.2%$6,976 0.2%($2,195) -23.9% VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL $6,678 0.2%$5,961 0.2%($717) -10.7% TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS $4,955 0.1%$3,976 0.1%($978) -19.7% COLUMBIA INCOME BUILDER FUND ADVISOR CLASS $3,632 0.1%$3,638 0.1%$6 0.2% PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND $5,845 0.2%$3,483 0.1%($2,362) -40.4% BNY MELLON NATURAL RESOURCES FUND CLASS I $3,140 0.1%$2,729 0.1%($411) -13.1% TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS $14,697 0.4%$2,269 0.1%($12,428) -84.6% TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS $3,226 0.1%$2,088 0.1%($1,138) -35.3% TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS $280 0.0%$577 0.0%$297 105.9% Total Assets Contributed $3,840,707 100.0%$3,065,021 100.0%($775,686) -20.2% Contributions by Fund Oakland County 457(b) Deferred Compensation Plan 47 Plan Summary INVESTMENT OPTIONS IN OUT NET GUARANTEED INCOME FUND $1,823,598 ($1,168,813) $654,785 FIDELITY 500 INDEX FUND $1,333,872 ($717,120) $616,752 PGIM TOTAL RETURN BOND FUND -CLASS Z $436,625 ($27,802) $408,824 PIMCO INCOME FUND CLASS A $235,614 ($1,279) $234,335 COHEN & STEERS REALTY SHARES FUND CLASS L $222,402 ($34,246) $188,156 MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3 $341,654 ($160,703) $180,952 BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A $174,616 ($63,269) $111,347 VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL $336,006 ($260,512)$75,494 LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND $99,222 ($35,141)$64,082 AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5 $93,274 ($29,255)$64,019 FIDELITY MID CAP INDEX FUND $77,931 ($15,912)$62,019 FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND $185,402 ($147,839)$37,563 PGIM HIGH YIELD FUND- CLASS Z $32,762 $0 $32,762 TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS $34,047 ($7,587)$26,459 COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS $25,000 ($0)$25,000 FIDELITY EMERGING MARKETS INDEX FUND $90,152 ($66,423)$23,729 GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS $29,833 ($7,661)$22,172 PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND $8,418 $0 $8,418 TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS $0 ($495)($495) DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS $189,403 ($195,635)($6,232) TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS $0 ($11,875)($11,875) TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS $0 ($13,325)($13,325) TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS $3,225 ($17,963)($14,738) BNY MELLON NATURAL RESOURCES FUND CLASS I $6,495 ($30,833)($24,338) VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A $156,963 ($182,762)($25,799) JPMORGAN EQUITY INCOME FUND CLASS R5 $252,194 ($285,592)($33,398) TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS $0 ($43,913)($43,913) TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS $0 ($44,099)($44,099) T. ROWE PRICE NEW HORIZONS FUND $390,996 ($446,270)($55,274) TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS $11,005 ($69,870)($58,865) BLACKROCK MID-CAP GROWTH EQUITY PORTFOLIO INSTITUTIONAL SHARES $106,092 ($168,926)($62,835) COLUMBIA INCOME BUILDER FUND ADVISOR CLASS $5,000 ($86,630)($81,630) FIDELITY INTERNATIONAL INDEX FUND $1,356 ($86,277)($84,922) TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS $55,399 ($149,847)($94,448) AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E $1,671 ($101,102)($99,431) TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS $0 ($105,771) ($105,771) FIDELITY SMALL CAP INDEX FUND $51,779 ($201,057) ($149,278) FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I $114,450 ($336,689) ($222,239) SELF DIRECTED BROKERAGE ACCOUNT $132,645 ($354,970) ($222,325) FIDELITY PURITAN FUND $177,368 ($512,479) ($335,111) FIDELITY GROWTH COMPANY K6 FUND $810,873 ($1,857,402) ($1,046,528) TOTAL $8,047,344 ($8,047,344)$0 7/1/2021 to 9/30/2021 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) Deferred Compensation Plan 48 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 49 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 Fidelity $2,187,828 4 Charles Schwab $837,920 2 Raymond James $1,293,843 2 Charles Schwab $1,032,296 2 Oppenheimer $664,472 1 TD Ameritrade $740,464 1 Fidelity $661,136 2 Fidelity $682,585 3 LPL $213,757 1 NFS $719,042 3 Morgan Stanley $409,565 3 Jackson National Life $363,899 1 Charles Schwab $49,437 1 Pershing $504,516 3 NFS $343,179 3 Morgan Stanley $233,162 1 Principal $47,639 1 LPL $440,293 2 Thrivent Financial $315,931 1 Merrill Lynch $226,321 1 T Rowe Price $43,063 1 Morgan Stanley $419,039 1 TD Ameritrade $273,972 1 Vibe Credit Union $88,360 1 Ameriprise $27,485 2 Fidelity $161,790 2 Principal $227,673 1 Vanguard $83,706 1 Edward Jones $1,756 1 Merrill Lynch $64,520 1 Lincoln Investments $203,258 1 Raymond James $71,550 2 TIAA $199 1 Vanguard $34,867 1 Baird $196,110 1 Allianz $60,008 1 Total $3,235,636 13 Allianz $4,593 1 Pershing $170,058 2 JP Morgan $35,721 1 Citizens Bank $3,737 1 UBS $153,644 1 Sammons Retirement $26,773 1 Nationwide $2,005 1 PNC Bank $148,921 1 John Hancock $25,956 1 Prudential $84 1 Jackson National $88,571 1 LPL $356 1 Total $3,932,870 20 Wells Fargo $81,158 1 Total $2,930,692 17 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 - 6/30/2021 7/1/2021 - 9/30/202110/1/2020 -12/31/2020 1/1/2021 - 3/31/2021 50 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 51 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 9/30/2021 Participant Count 1 146 2 38 Total 184 Deemed Loans 4/1/2021- 6/30/2021 7/1/2021- 9/30/2021 # of Deemed Loans 1 3 Total Deemed Principal Loan Balance $2,432 $13,611 52 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 53 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. INVESTMENT DIVERSIFICATION 54 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 16 215 239 275 223 142 1,110 Average # of Funds per Participant 4.5 5.0 5.2 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 12.6% 1.7% 2.3% 5.1% 16.1% 18.1% 12.6% 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 17 44 33 18 114 Oakland County 457(b) Deferred Compensation Plan Fund Utilization By Age As of September 30, 2021 Assets by Asset Class and Age As of September 30, 2021 Asset Allocation 55 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 $76,434,886 19.4%1,617 41 GUARANTEED INCOME FUND $49,666,997 12.6%1,174 129 FIDELITY 500 INDEX FUND $41,222,300 10.5%940 27 T. ROWE PRICE NEW HORIZONS FUND $18,441,290 4.7%1,458 31 JPMORGAN EQUITY INCOME FUND CLASS R5 $17,754,432 4.5%1,281 2 FIDELITY PURITAN FUND $17,384,844 4.4%492 24 PGIM TOTAL RETURN BOND FUND -CLASS Z $15,348,124 3.9%1,071 2 LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND $12,416,335 3.2%624 7 SELF DIRECTED BROKERAGE ACCOUNT $11,616,912 3.0%114 11 TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS $11,161,497 2.8%148 58 MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3 $10,928,411 2.8%856 0 TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS $10,117,505 2.6%131 78 TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS $8,609,853 2.2%200 99 AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E $6,876,086 1.7%649 1 BLACKROCK MID-CAP GROWTH EQUITY PORTFOLIO INSTITUTIONAL SHARES $6,620,583 1.7%1,049 1 VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A $6,601,435 1.7%1,225 1 TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS $6,569,219 1.7%163 98 FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I $6,027,201 1.5%1,188 0 TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS $5,728,509 1.5%181 115 BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A $4,836,038 1.2%648 0 FIDELITY EMERGING MARKETS INDEX FUND $4,622,919 1.2%1,089 0 TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS $4,230,611 1.1%66 16 TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS $4,162,866 1.1%56 24 FIDELITY SMALL CAP INDEX FUND $3,800,132 1.0%231 0 FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND $3,649,919 0.9%216 4 TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS $3,148,017 0.8%147 105 PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND $2,643,607 0.7%24 2 COHEN & STEERS REALTY SHARES FUND CLASS L $2,550,773 0.6%181 4 FIDELITY INTERNATIONAL INDEX FUND $2,507,512 0.6%285 0 AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5 $2,442,778 0.6%344 1 TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS $1,978,048 0.5%135 110 PGIM HIGH YIELD FUND- CLASS Z $1,955,196 0.5%203 2 FIDELITY MID CAP INDEX FUND $1,919,312 0.5%151 3 PIMCO INCOME FUND CLASS A $1,884,564 0.5%121 1 TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS $1,867,165 0.5%70 9 DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS $1,258,228 0.3%63 0 COLUMBIA INCOME BUILDER FUND ADVISOR CLASS $940,319 0.2%63 0 TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS $850,195 0.2%93 72 COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS $741,332 0.2%68 0 VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL $639,592 0.2%25 0 GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS $588,881 0.1%68 0 TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS $524,511 0.1%45 30 BNY MELLON NATURAL RESOURCES FUND CLASS I $313,143 0.1%59 0 TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS $1,506 0.0%2 2 Total $393,583,583 100.0%0 Oakland County 457(b) Deferred Compensation Plan Utilization by Fund as of September 30, 2021 56 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 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, pie chart may not equal 100% Oakland County 457(b) Deferred Compensation Plan 58 Plan Summary Oakland County 457(b) Deferred Compensation Plan Due to rounding, pie chart may not equal 100% For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers.59 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Default Investor 12/31/2020 3/31/2021 6/30/2021 9/30/2021 Plan Assets for Participants in GoalMaker $0 $0 $0 $0 # of Participants in GoalMaker 0 0 0 0 Participation Rate in GoalMaker 0.0% 0.0% 0.0%0.0% % of Plan Assets for GoalMaker Participants 0.0% 0.0% 0.0%0.0% Non-Default Investor 12/31/2020 3/31/2021 6/30/2021 9/30/2021 Plan Assets for Participants In GoalMaker $51,613,203 $54,986,501 $58,972,390 $60,348,141 # of Participants in GoalMaker 654 701 710 718 Participation Rate in GoalMaker 19.1% 20.3% 20.6% 20.8% % of Plan Assets for GoalMaker Participants 14.1% 14.8% 14.9% 15.3% Total 12/31/2020 3/31/2021 6/30/2021 9/30/2021 Plan Assets for Participants In GoalMaker $51,613,203 $54,986,501 $58,972,390 $60,348,141 # of Participants in GoalMaker 654 701 710 718 Participation Rate in GoalMaker 19.1% 20.3% 20.6% 20.8% % of Plan Assets for GoalMaker Participants 14.1% 14.8% 14.9% 15.3% Percentage of Assets by GoalMaker® Investor As of 9/30/2021 0.0% 100.0% Default Investor Non-Default Investor 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 $16,834 $110,271 $563,477 $5,508,343 $20,903,268 $22,564,806 $49,666,997 Fixed Inc-Domestic $2,698 $122,567 $746,420 $7,328,071 $9,738,094 $6,899,514 $24,837,363 Fixed Inc-Glbl / International $432 $12,752 $78,453 $1,478,419 $1,965,726 $1,300,255 $4,836,038 Allocation $38,416 $2,128,941 $5,714,394 $20,267,496 $26,821,222 $24,947,803 $79,918,272 Equity - U.S. Large $39,108 $1,917,357 $8,806,075 $40,563,923 $45,812,401 $51,328,682 $148,467,546 Equity - U.S. Mid/Small $18,846 $1,205,507 $4,753,834 $15,855,970 $12,561,628 $9,014,169 $43,409,954 Equity - Glbl / International $17,351 $795,057 $2,933,742 $11,448,877 $7,798,666 $4,972,893 $27,966,586 Alternative / Other $21 $55,293 $1,336,175 $5,753,829 $3,979,648 $3,355,861 $14,480,828 Total Assets $133,705 $6,347,747 $24,932,570 $108,204,927 $129,580,652 $124,383,982 $393,583,583 % of Assets 0.0%1.6%6.3%27.5%32.9%31.6%100.0% Active Participants 34 440 564 872 497 85 2,492 Terminated Participants 3 52 69 141 272 344 881 Suspended Participants 0 0 1 0 1 1 3 Other Participants*0 3 5 10 23 42 83 Total Participants**37 495 639 1,023 793 472 3,459 Avg Account Balance $3,614 $12,824 $39,018 $105,772 $163,406 $263,525 $113,785 *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 61 Plan Summary INVESTMENT OPTIONS Less than 25 25-34 35-44 45-54 55-64 65+Total FIDELITY GROWTH COMPANY K6 FUND $18,892 $650,062 $4,199,179 $18,445,767 $23,421,077 $29,699,908 $76,434,886 GUARANTEED INCOME FUND $16,834 $110,271 $563,477 $5,508,343 $20,903,268 $22,564,806 $49,666,997 FIDELITY 500 INDEX FUND $741 $614,971 $2,236,289 $11,369,332 $14,007,868 $12,993,100 $41,222,300 T. ROWE PRICE NEW HORIZONS FUND $5,046 $619,314 $1,954,784 $6,108,479 $6,070,307 $3,683,361 $18,441,290 JPMORGAN EQUITY INCOME FUND CLASS R5 $8,948 $430,313 $1,637,816 $7,015,344 $4,622,166 $4,039,846 $17,754,432 FIDELITY PURITAN FUND $260 $9,015 $269,028 $4,017,382 $5,549,202 $7,539,958 $17,384,844 PGIM TOTAL RETURN BOND FUND -CLASS Z $968 $87,233 $321,317 $4,320,423 $6,078,431 $4,539,751 $15,348,124 LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND $10,482 $219,480 $709,464 $3,652,181 $3,253,795 $4,570,933 $12,416,335 SELF DIRECTED BROKERAGE ACCOUNT $0 $27,056 $1,187,344 $4,801,946 $2,635,407 $2,965,158 $11,616,912 TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS $2,184 $4,441 $55,390 $1,677,098 $4,855,344 $4,567,040 $11,161,497 MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3 $10,629 $347,369 $1,320,069 $5,296,937 $2,759,336 $1,194,070 $10,928,411 TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS $0 $0 $24,239 $558,559 $7,641,345 $1,893,361 $10,117,505 TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS $0 $12,037 $296,817 $3,921,211 $3,803,827 $575,962 $8,609,853 AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E $10 $142,504 $562,987 $2,261,398 $1,900,094 $2,009,093 $6,876,086 BLACKROCK MID-CAP GROWTH EQUITY PORTFOLIO INSTITUTIONAL SHARES $2,978 $128,413 $708,920 $2,560,564 $1,962,032 $1,257,675 $6,620,583 VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A $3,186 $186,349 $691,626 $2,347,929 $1,824,795 $1,547,550 $6,601,435 TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS $0 $18,882 $491,300 $4,415,163 $1,437,672 $206,202 $6,569,219 FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I $3,366 $158,511 $757,789 $2,747,306 $1,373,386 $986,843 $6,027,201 TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS $0 $42,155 $1,605,995 $3,248,085 $644,668 $187,606 $5,728,509 BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A $432 $12,752 $78,453 $1,478,419 $1,965,726 $1,300,255 $4,836,038 FIDELITY EMERGING MARKETS INDEX FUND $4,096 $189,164 $624,351 $2,252,094 $1,104,193 $449,021 $4,622,919 TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS $0 $0 $2,607 $264,704 $457,834 $3,505,465 $4,230,611 TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS $0 $0 $0 $12,225 $978,168 $3,172,474 $4,162,866 FIDELITY SMALL CAP INDEX FUND $3,628 $78,414 $448,171 $1,224,195 $792,431 $1,253,294 $3,800,132 FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND $0 $18,257 $155,124 $723,374 $1,699,333 $1,053,830 $3,649,919 TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS $1,634 $269,249 $2,026,750 $785,410 $51,535 $13,439 $3,148,017 PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND $0 $935 $6,625 $776,895 $175,857 $1,683,295 $2,643,607 COHEN & STEERS REALTY SHARES FUND CLASS L $0 $27,731 $126,661 $846,103 $1,177,337 $372,942 $2,550,773 FIDELITY INTERNATIONAL INDEX FUND $0 $30,882 $201,110 $632,780 $763,061 $879,679 $2,507,512 AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5 $2,615 $83,756 $156,965 $870,188 $1,020,209 $309,045 $2,442,778 TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS $6,408 $787,754 $836,308 $111,174 $231,600 $4,805 $1,978,048 PGIM HIGH YIELD FUND- CLASS Z $1,695 $6,915 $83,592 $452,857 $885,702 $524,435 $1,955,196 FIDELITY MID CAP INDEX FUND $641 $34,506 $192,544 $867,498 $538,676 $285,446 $1,919,312 PIMCO INCOME FUND CLASS A $17 $7,165 $118,311 $1,073,422 $485,850 $199,798 $1,884,564 TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS $0 $5,747 $5,375 $163,262 $425,062 $1,267,718 $1,867,165 DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS $17 $389 $52,987 $671,474 $414,528 $118,834 $1,258,228 COLUMBIA INCOME BUILDER FUND ADVISOR CLASS $0 $0 $17,768 $244,522 $347,551 $330,478 $940,319 TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS $3,593 $762,643 $64,667 $15,077 $4,215 $0 $850,195 COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS $0 $2,607 $15,089 $86,521 $174,250 $462,866 $741,332 VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL $45 $2,532 $23,327 $81,299 $507,496 $24,894 $639,592 GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS $0 $1,382 $68,260 $135,480 $251,773 $131,986 $588,881 TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS $22,830 $216,084 $11,526 $56,731 $217,340 $0 $524,511 BNY MELLON NATURAL RESOURCES FUND CLASS I $21 $506 $22,171 $105,780 $166,904 $17,761 $313,143 TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS $1,506 $0 $0 $0 $0 $0 $1,506 Total Assets $133,705 $6,347,747 $24,932,570 $108,204,927 $129,580,652 $124,383,982 $393,583,583 % of Assets 0.0%1.6%6.3%27.5%32.9%31.6%100.0% Total Participants 37 495 639 1,023 793 472 3,459 Avg. Account Balance $3,614 $12,824 $39,018 $105,772 $163,406 $263,525 $113,785 Fund Allocation by Age Group as of September 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 19 186 264 553 382 213 1,617 GUARANTEED INCOME FUND 8 75 131 305 391 264 1,174 FIDELITY 500 INDEX FUND 1 93 127 315 245 159 940 T. ROWE PRICE NEW HORIZONS FUND 17 234 280 486 324 117 1,458 JPMORGAN EQUITY INCOME FUND CLASS R5 13 198 256 416 287 111 1,281 FIDELITY PURITAN FUND 1 11 41 159 157 124 493 PGIM TOTAL RETURN BOND FUND -CLASS Z 5 125 161 346 299 135 1,071 LARGE CAP GROWTH / JP MORGAN INVESTMENT MANAGEMENT FUND 5 91 108 200 142 78 624 SELF DIRECTED BROKERAGE ACCOUNT 0 2 17 44 33 18 114 TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS 2 1 6 30 52 57 148 MFS INTERNATIONAL INTRINSIC VALUE FUND CLASS R3 11 131 169 297 191 57 856 TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS 0 0 3 18 93 17 131 TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS 0 3 15 83 84 15 200 AMERICAN FUNDS EUROPACIFIC GROWTH FUND CLASS R-5E 1 86 123 202 150 87 649 BLACKROCK MID-CAP GROWTH EQUITY PORTFOLIO INSTITUTIONAL SHARES 12 140 205 364 242 86 1,049 VICTORY SYCAMORE ESTABLISHED VALUE FUND CLASS A 12 199 241 391 275 107 1,225 TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS 0 3 21 125 11 4 164 FIDELITY ADVISOR SMALL CAP VALUE FUND CLASS I 11 192 241 395 258 91 1,188 TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS 0 5 78 90 7 1 181 BNY MELLON GLOBAL FIXED INCOME FUND - CLASS A 4 50 84 235 204 71 648 FIDELITY EMERGING MARKETS INDEX FUND 13 189 232 359 226 70 1,089 TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS 0 0 2 9 10 45 66 TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS 0 0 0 3 18 35 56 FIDELITY SMALL CAP INDEX FUND 4 27 44 79 51 26 231 FIDELITY INTERMEDIATE TREASURY BOND INDEX FUND 0 14 22 67 64 49 216 TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS 1 26 100 13 4 3 147 PRUDENTIAL INCOMEFLEX TARGET VANGUARD BALANCED INDEX FUND 0 2 4 9 3 6 24 COHEN & STEERS REALTY SHARES FUND CLASS L 1 14 31 69 46 20 181 FIDELITY INTERNATIONAL INDEX FUND 0 57 69 79 49 31 285 AMERICAN FUNDS NEW PERSPECTIVE FUND CLASS R-5 4 67 69 112 76 16 344 TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS 2 72 50 6 3 2 135 PGIM HIGH YIELD FUND- CLASS Z 3 13 27 65 63 32 203 FIDELITY MID CAP INDEX FUND 1 13 21 59 42 15 151 PIMCO INCOME FUND CLASS A 1 5 14 54 36 11 121 TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS 0 2 4 14 14 36 70 DFA INFLATION-PROTECTED SECURITIES PORTFOLIO INSTITUTIONAL CLASS 1 2 5 29 23 3 63 COLUMBIA INCOME BUILDER FUND ADVISOR CLASS 0 0 8 19 27 9 63 TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS 2 83 6 1 1 0 93 COLUMBIA FLOATING RATE FUND INSTITUTIONAL 3 CLASS 0 3 6 18 18 23 68 VANGUARD FTSE SOCIAL INDEX FUND ADMIRAL 1 5 4 7 6 2 25 GOLDMAN SACHS INTERNATIONAL SMALL CAP INSIGHTS FUND INVESTOR CLASS 0 6 14 20 20 8 68 TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS 7 30 4 1 3 0 45 BNY MELLON NATURAL RESOURCES FUND CLASS I 1 3 9 22 16 8 59 TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS 2 0 0 0 0 0 2 Total Participants 37 495 639 1,023 793 472 3,459 Average # of Funds Per Participant 4.5 5.0 5.2 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. Oakland County 457(b) Deferred Compensation Plan Participant Count by Fund by Age Group as of September 30, 2021 63 Plan Summary 34 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 12/31/2020 3/31/2021 6/30/2021 9/30/2021 10/1/2020 - 12/31/2020 1/1/2021 - 3/31/2021 4/1/2021 - 6/30/2021 7/1/2021 - 9/30/2021 Total Participants Balances $12,968,382 $13,283,785 $14,028,459 $14,066,400 Contributions*$289,711 $450,937 $345,852 $407,110 Distributions*($215,094)($408,271)($248,671)($269,696) Cash Flow $74,616 $42,666 $97,181 $137,414 Market Value Gain / Loss**$1,084,607 $497,311 $647,495 ($21,908) Account Balances Average Participant Balance $4,446 $4,612 $4,584 $4,577 Participation / Deferrals Participation Rate 55.0%44.8%66.7%65.9% Total Participants with a Balance 2,917 2,880 3,060 3,073 Asset Allocation % of Plan Assets in Stable Value 2.9%2.2%1.7%1.8% Number of Participants in One Fund 1,847 1,916 2,114 2,137 Number of Participants in Four or More Funds 8 7 7 7 Distributions Number of Distributions*65 82 62 87 Termination $205,300 $386,327 $225,705 $265,163 Hardship $0 $0 $0 $0 In Service $0 $0 $0 $0 Coronavirus-Related Withdrawal $0 $0 $0 $0 Amount of Distributions $215,094 $408,271 $248,671 $269,696 Amount of Distributions Representing Rollovers $102,920 $270,933 $153,154 $120,607 % of Assets Distributed*1.7%3.1%1.8%1.9% *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 6/30/2021 4/1/2021 4/1/2021- 6/30/2021 7/1/2021- 9/30/2021 Total Participants*3,060 3,073 Active Participants 1,707 1,620 Terminated Participants 1,294 1,395 Other Participants**59 58 Average Participant Balance $4,584 $4,577 Average Account Balance for Active Participants $5,619 $5,861 Median Participant Balance $2,048 $1,986 Median Participant Balance for Active Participants $2,264 $2,388 Participants Age 50 and Over 1,048 1,062 Total Assets for Participants Age 50 and Over $8,886,867 $8,993,020 Total (Contributions + Rollovers In)$345,852 $407,110 Employee Contributions $285,886 $272,282 Employer Contributions $59,966 $57,261 Rollovers In $0 $77,566 Total Distributions ($248,671) ($269,696) Percentage of Assets Distributed 1.8%1.9% Market Value Gain / Loss****$647,495 ($21,908) Total Participant Balances $14,028,459 $14,066,400 ****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 6/30/2021 9/30/2021 Participation Rate in Stable Value 1.2%1.3% % of Plan Assets in Stable Value 1.7%1.8% Prudential % of Plan Assets in Stable Value - As of 12/31/2020 eDelivery 6/30/2021 9/30/2021 # of Participants Enrolled in eDelivery 900 919 # of Participants Affirmatively Elected eDelivery 892 911 # of Participants Defaulted into eDelivery 8 8 % of Participants in eDelivery 29.7% 30.2% Prudential % of Participants in eDelivery - As of 12/31/2020 50.4% 20.7% Oakland County 457(b) PTNE Plan Transactions 4/1/2021 - 6/30/2021 7/1/2021 - 9/30/2021 Total Enrollees*233 89 Number of Participants with Transfers 4 7 Distributions 62 87 eDelivery by Document Type 6/30/2021 9/30/2021 Statements 890 909 Confirms 897 916 Tax Forms 885 906 Plan Related Documents 913 913 *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 4/1/2021 - 6/30/2021 7/1/2021 - 9/30/2021 Total Call Volume 139 137 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 July 1, 2021 to September 30, 2021 Less than 25 25-34 35-44 45-54 55-64 65+Total Total Participant Balances $843,688 $1,969,146 $1,472,565 $2,236,215 $2,466,237 $5,078,549 $14,066,400 % Assets 6.0%14.0%10.5%15.9%17.5%36.1%100.0% Contributions $77,681 $27,304 $19,318 $38,823 $76,702 $89,716 $329,544 Rollovers In*$0 $0 $0 $77,566 $0 $0 $77,566 Total (Contributions + Rollovers In)$77,681 $27,304 $19,318 $116,389 $76,702 $89,716 $407,110 Cash Distributions ($8,622)($11,460)($39,687)($1,701)($19,987)($67,632)($149,090) Rollovers Out ($9,036)($8,007)($20,263)($11,241)($48,978)($23,082)($120,607) Total (Cash Distributions + Rollovers Out)($17,658)($19,467)($59,950)($12,943)($68,965)($90,714)($269,696) Net Activity $60,023 $7,837 ($40,632)$103,447 $7,737 ($998)$137,414 Total Participants 925 650 281 299 408 510 3,073 Average Account Balance $912 $3,029 $5,240 $7,479 $6,045 $9,958 $4,577 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 $498 $2,311 $3,293 $3,035 $3,759 $7,318 $1,986 Prudential Median Account Balance as of 12/31/2020 $4,404 $14,335 $34,065 $58,607 $86,341 $121,113 $77,565 *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 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 9 Unique Completions 9 Average Balance, RIC Participant $9,175 Average Balance, Non-RIC Participant $5,496 Total Count of Participants with a RIC Gap 54 Average RIC Gap $3,005 Total Count of Participants with a RIC Surplus 46 Average RIC Surplus $5,384 Average Income Replacement, RIC Participant 98% Note - due to market volatility and COVID, the numbers might be lower than prior quarters. Since Inception for Currently Active Participants as of 9/30/2021 7/1/2021 - 9/30/2021 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 4/1/2021 - 6/30/2021 % 7/1/2021 - 9/30/2021 %Change % TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS $34,285 9.9%$53,244 16.2%$18,959 55.3% TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS $43,815 12.7%$41,995 12.7%($1,820)-4.2% TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS $42,213 12.2%$37,465 11.4%($4,749) -11.2% TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS $36,672 10.6%$33,490 10.2%($3,182)-8.7% TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS $26,506 7.7%$28,904 8.8%$2,398 9.0% TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS $28,976 8.4%$25,710 7.8%($3,266) -11.3% TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS $24,808 7.2%$20,741 6.3%($4,067) -16.4% TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS $14,253 4.1%$19,144 5.8%$4,891 34.3% TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS $19,987 5.8%$17,695 5.4%($2,292) -11.5% TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS $23,753 6.9%$14,527 4.4%($9,226) -38.8% TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS $19,692 5.7%$12,423 3.8%($7,269) -36.9% TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS $13,449 3.9%$11,705 3.6%($1,743) -13.0% TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS $12,991 3.8%$8,602 2.6%($4,389) -33.8% GUARANTEED INCOME FUND $4,453 1.3%$3,899 1.2%($554) -12.4% Total Assets Contributed $345,852 100.0%$329,544 100.0%($16,308)-4.7% Contributions by Fund Oakland County 457(b) PTNE Plan 74 Plan Summary INVESTMENT OPTIONS IN OUT NET GUARANTEED INCOME FUND $7,206 ($465)$6,741 TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS $6,667 $0 $6,667 TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS $705 $0 $705 TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS $465 $0 $465 TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS $211 ($15)$197 TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS $28 $0 $28 TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS $0 ($360)($360) TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS $148 ($3,910)($3,762) TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS $0 ($4,014)($4,014) TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS $0 ($6,667)($6,667) TOTAL $15,431 ($15,431)$0 7/1/2021 to 9/30/2021 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. Participant Distribution 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 Ameriprise $24,977 2 NFS $120,072 1 Pershing $46,531 5 Franklin Templeton $36,070 1 LPL $12,680 1 Fidelity $30,715 8 Ameriprise $32,324 1 Fidelity $24,461 5 Edward Jones $12,320 3 TD Ameritrade $28,911 2 Stifel $21,147 1 Prudential $17,265 4 Morgan Stanley $10,685 1 Raymond James $22,344 2 Fidelity $11,636 2 Merrill Lynch $10,855 2 Pershing $9,452 2 Prudential $14,410 1 Alerus $10,044 1 Jackson National Life $7,440 1 Great American $8,985 1 Charles Schwab $9,788 6 Merrill Lynch $7,438 1 FCA 401(k)$5,000 1 North American Co $7,691 1 Merrill Lynch $8,001 3 Charles Schwab $5,812 3 Vibe Credit Union $3,516 1 Fidelity $5,317 1 Direct Transfer to 940080 $7,091 1 Edward Jones $4,583 2 LPL $3,365 1 Assetmark $2,632 1 Vantagepoint $6,049 1 Principal $4,578 1 Pershing $2,990 2 Citizens Bank $1,827 1 The Home Depot $5,093 1 NFS $3,201 1 Thrift Savings Plan $1,905 1 Raymond James $1,506 1 Transamerica $4,976 1 Vanguard $2,878 1 NFS $1,498 2 Betterment $1,348 1 Voya $3,830 1 American Funds $1,142 1 Ameriprise $1,421 1 TD Ameritrade $1,097 1 Primerica $3,370 1 Lincoln Investments $878 1 Greenleaf Hospitality $1,409 1 ICMA-RC $1,058 1 T Rowe Price $2,674 1 Wells Fargo $528 1 Charles Schwab $1,269 2 Charles Schwab $966 1 Thrift Savings Plan $2,400 1 PIMS $433 1 American Funds $1,091 1 Great West $379 1 SEI $609 1 Total $153,154 23 TD Ameritrade $1,051 2 Total $102,920 20 Pershing $600 1 Total $120,607 28 Total $270,933 33 4/1/2021 - 6/30/2021 7/1/2021 - 9/30/202110/1/2020 - 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 Plan Summary For Plan Sponsor or Consultant Use Only | Please refer to the end of this section for important notes and disclaimers. Roth Summary Oakland County 457(b) PTNE Plan 79 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. INVESTMENT DIVERSIFICATION 80 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 832 453 206 190 222 234 2,137 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% 1.5% 3.7% 1.8% 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 September 30, 2021 Assets by Asset Class and Age As of September 30, 2021 Asset Allocation 81 Plan Summary The funds in bold type denote inclusion in the GoalMaker®product. as of September 30, 2021 INVESTMENT OPTIONS Balance % Invested in Fund # of Ppts Ppts Using as Sole Investment TIAA-CREF LIFECYCLE INDEX RETIREMENT INCOME FUND INSTITUTIONAL CLASS $1,974,097 14.0%346 198 TIAA-CREF LIFECYCLE INDEX 2010 FUND INSTITUTIONAL CLASS $1,503,336 10.7%261 52 TIAA-CREF LIFECYCLE INDEX 2025 FUND INSTITUTIONAL CLASS $1,438,170 10.2%275 123 TIAA-CREF LIFECYCLE INDEX 2020 FUND INSTITUTIONAL CLASS $1,377,212 9.8%287 80 TIAA-CREF LIFECYCLE INDEX 2045 FUND INSTITUTIONAL CLASS $1,347,156 9.6%386 204 TIAA-CREF LIFECYCLE INDEX 2015 FUND INSTITUTIONAL CLASS $1,163,279 8.3%271 59 TIAA-CREF LIFECYCLE INDEX 2035 FUND INSTITUTIONAL CLASS $1,155,594 8.2%203 100 TIAA-CREF LIFECYCLE INDEX 2030 FUND INSTITUTIONAL CLASS $1,021,935 7.3%227 114 TIAA-CREF LIFECYCLE INDEX 2040 FUND INSTITUTIONAL CLASS $919,554 6.5%229 127 TIAA-CREF LIFECYCLE INDEX 2050 FUND INSTITUTIONAL CLASS $653,770 4.6%299 105 TIAA-CREF LIFECYCLE INDEX 2060 FUND INSTITUTIONAL CLASS $511,481 3.6%430 271 TIAA-CREF LIFECYCLE INDEX 2065 FUND INSTITUTIONAL CLASS $448,699 3.2%579 578 TIAA-CREF LIFECYCLE INDEX 2055 FUND INSTITUTIONAL CLASS $298,503 2.1%226 108 GUARANTEED INCOME FUND $253,615 1.8%40 18 Total $14,066,400 100.0% Oakland County 457(b) PTNE Plan Utilization by Fund 82 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 83 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 $10,612 $7,441 $10,501 $37,552 $187,508 $253,615 Allocation $843,688 $1,958,534 $1,465,124 $2,225,714 $2,428,685 $4,891,040 $13,812,785 Total Assets $843,688 $1,969,146 $1,472,565 $2,236,215 $2,466,237 $5,078,549 $14,066,400 % of Assets 6.0%14.0%10.5%15.9%17.5%36.1%100.0% Active Participants 400 225 146 192 292 365 1,620 Terminated Participants 521 404 124 95 107 144 1,395 Other Participants*4 21 11 12 9 1 58 Total Participants 925 650 281 299 408 510 3,073 Avg Account Balance $912 $3,029 $5,240 $7,479 $6,045 $9,958 $4,577 *Participant(s) who are not active, terminated or suspended, but have an account b alance greater than $0 (e.g. break-in-service, rehire, etc.). Oakland County 457(b) PTNE Plan Asset Allocation by Age Group as of September 30, 2021 84 Plan Summary Fund Allocation by Age Group 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.85 Plan Summary 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 Oakland County 457(b) PTNE Plan 86 Plan Summary 23 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 87 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. Section IV: Monthly Activity Report –Q3 2021 88 Plan Summary For Plan Sponsor or Consultant Use Only Oakland County 401(A) Employees Retirement System Onsite Education Results Q3 2021 Q3 Meetings for Oakland County July August September 29 31 20 1 Plan Enrollment 3 Contribution Increases 2 Rollovers: $282,496.88 *No Webinar Meetings for 3rd Quarter. Participant Meeting Feedback: “I have been stressing, and you have made me feel better!” “You have helped me which also helped my two kids. Thank you!” 89 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. Section V: Forfeiture Account 90 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 July 1, 2021 through September 30, 2021 Forfeiture Account Activity –Year to Date January 1, 2021 through September 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 1,019.61 0.00 0.00 4.21 0.00 1,023.82 EE MANDATORY PRETAX Guaranteed Income Fund 143.65 0.00 ( 9.64) 0.56 0.00 134.57 EMPLOYER NONELECTIVE VESTING Guaranteed Income Fund 227,140.70 162,451.35 ( 68.65) 1,325.58 0.00 390,848.98 228,303.96 162,451.35 ( 78.29) 1,330.35 0.00 392,007.37 Forfeiture Account 3Q2021 (7/1/21-9/30/21) 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 12.95 0.00 1,023.82 EE MANDATORY PRETAX Guaranteed Income Fund 142.42 0.00 ( 9.64) 1.79 0.00 134.57 EMPLOYER NONELECTIVE VESTING Guaranteed Income Fund 484,021.75 386,750.87 ( 485,268.65) 5,345.01 0.00 390,848.98 485,175.04 386,750.87 ( 485,278.29) 5,359.75 0.00 392,007.37 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 91 Plan Summary 35 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 92 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. Section VI: Suspense Account 93 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 July 1, 2021 through September 30, 2021 Oakland County 401(A) Employees Retirement System, Plan 940070 Oakland County 457(b) PTNE Plan, Plan 940090 Oakland County 457(b) Deferred Compensation Plan, Plan 940080 Source Investment Beginning Suspense Balance Additions Reductions Investment Results Dividends / Capital Gains Ending Suspense Balance EE MANDATORY PRETAX Guaranteed Income Fund 4,695.52 0.00 0.00 19.41 0.00 4,714.93 EMPLOYER NONELECTIVE VESTING Guaranteed Income Fund 84,904.47 1,824.26 0.00 355.10 0.00 87,083.83 89,599.99 1,824.26 0.00 374.51 0.00 91,798.76 Source Investment Beginning Suspense Balance Additions Reductions Investment Results Dividends / Capital Gains Ending Suspense Balance PRE-TAX DEFERRALS Guaranteed Income Fund 8,064.12 0.00 0.00 33.34 0.00 8,097.46 PTNE ER TRANSFER Guaranteed Income Fund 32,793.33 740.33 0.00 137.34 0.00 33,671.00 40,857.45 740.33 0.00 170.68 0.00 41,768.46 Source Investment Beginning Suspense Balance Additions Reductions Investment Results Dividends / Capital Gains Ending Suspense Balance EMPLOYEE DEFERRALS Guaranteed Income Fund 4,587.55 0.00 0.00 18.96 0.00 4,606.51 4,587.55 0.00 0.00 18.96 0.00 4,606.51 94 Plan Summary 38 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 Retirement Plans 95 For institutional plan sponsor use only. Not to be distributed to plan participants or the general public. Section VII: Service Standards Guarantees 96 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% Overall 3Q Service Level: 80%; 3Q 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 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%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%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% 97 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%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% Overall Participant Satisfaction: 88% 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%100% 98 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% Overall 3Q Service Level: 80%; 3Q 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 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%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%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% 99 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%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% Overall Participant Satisfaction: 88% 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%100% 100 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% Overall 3Q Service Level: 80%; 3Q 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 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%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%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% 101 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%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% Overall Participant Satisfaction: 88% 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%100% 102 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. 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