Auburn University Summary of Plan Services and Costs
[Pages:6]Auburn University - Summary of Plan Services and Costs
Purpose
The purpose of this summary is to provide you with general information regarding your participation in the Auburn University supplemental retirement Plans; however, the summary details are general in nature and are not intended as investment, legal, or tax advice. You should always consult with an attorney, tax specialist or financial professional before making any legal, tax, or investment decision.
The Plans are available to help you save money for retirement. When making investment decisions there are many factors to consider, including but not limited to:
? When you plan to retire ? Your investment risk tolerance ? The impact of fees on your investments ? How this retirement plan fits into your overall financial goals
Your Retirement Plan
Your Plans offer a range of investment options available from AIG, Fidelity, Lincoln, and TIAA. Contributions are an important element of your retirement plan. You may specify how your contributions to the Plans are invested or make changes to existing investments in your plan. Investment changes are made by contacting a vendor representative, the vendor's call center, or through the Plan's web-site. Note that the cumulative effect of fees and expenses may substantially reduce the growth of your retirement savings. Fees and expenses are only two of many factors to consider as you make investment decisions.
Fidelity Lincoln TIAA
AIG
Representative(s) John Schultz Carey Beaven Jared Gilbert Brad Propst Cindy Haynes Brian Ledbetter Jessica Mask Michael Probst (AUM)
Phone Number 678-929-1442 404-625-8402 205-582-6908 205-582-6922 334-734-0823 334-201-4861 334-740-7835 334-235-0654
E-mail john.schultz@ Carey.beaven@ jared.gilbert@ rpropst@ cindy.haynes@ brian.ledbetter@ jessica.mask@ michael.probst@
Vendor Call Center 800-343-0860 800-341-0441
800-842-2252
Website
auburn
800-448-2542
auburn.
Cost of Plan Services
Fee Type Loan Setup Loan Maintenance Systematic withdrawal Overnight Mailing Wiring Funds
Description Fee to setup a new loan Annual fee to maintain a loan (billed per quarterly) Withdrawal from account in specified amounts for a specified payment frequency Express delivery of distribution check (optional) Express delivery of distribution check (optional)
AIG Fidelity
$50 $50
$50 $25
$0
$0
$7.43 $25
$35
$0
Lincoln TIAA
$50 $75-$125
$0
$0
$30
$0
$25
$0
$25
$0
Investment Options Comparative Chart - as of 12/31/20211
Investment Name/Benchmark
Plan
Vendor
Multi-Asset
Target Date 2000-20208
Fidelity Freedom Income K
403(b)/457(b) Fidelity
TIAA-CREF Lifecycle Retire Inc. Instl
403(b)/457(b) TIAA
Vanguard Target Retirement Inc. Instl 403(b)/457(b) AIG Benchmark 4 - US Fund Target-Date Retirement
Fidelity Freedom 2005 K
403(b)/457(b) Fidelity
Fidelity Freedom 2010 K
403(b)/457(b) Fidelity
TIAA-CREF Lifecycle 2010 Instl
403(b)/457(b) TIAA
Benchmark 4 - US Fund Target-Date 2000-2010
Morningstar Category
Ticker Symbol
US Fund Target-Date Retirement FNSHX US Fund Alloc 30% to 50% Equity TLRIX US Fund Target-Date Retirement VITRX
US Target Date 2000-2010 US Target Date 2000-2010 US Target Date 2000-2010
FSNJX FSNKX TCTIX
Inception Date
Average Annual Total Returns2 Since
1 Year 5 Year 10 Year Inception
Net Vendor and
Investment Expense3
%
Per $1,000
Short-term Trading Fee
% / Days
Restrictions
10/17/1996 3.15 5.76 4.82
11/30/2007 7.08 8.14 7.24
6/26/2015 5.34 6.93
-
3/1/1994 5.51 6.52 5.41
11/6/2003 3.97 6.67 6.00 10/17/1996 5.64 7.85 7.13 10/15/2004 6.88 8.26 7.66
2/1/1990 6.26 7.46 6.61
4.94
0.42
5.77
0.37
5.91
0.09
5.22
0.42
6.64
0.44
5.96
0.37
4.20
--
--
3.70
--
See footnote 5
0.90
--
See footnote 7
4.20
--
--
4.40
--
--
3.70
--
See footnote 5
Investment Name/Benchmark Target Date 2000-20208 - continued
Plan
Vendor
Fidelity Freedom 2015 K
403(b)/457(b) Fidelity
TIAA-CREF Lifecycle 2015 Instl
403(b)/457(b) TIAA
Vanguard Target Retirement 2015 Instl 403(b)/457(b) AIG Benchmark 4 - US Fund Target-Date 2015
Fidelity Freedom 2020 K
403(b)/457(b) Fidelity
TIAA-CREF Lifecycle 2020 Instl
403(b)/457(b) TIAA
Vanguard Target Retirement 2020 Instl 403(b)/457(b) AIG Benchmark 4 - US Fund Target-Date 2020
Target Date 2021-20308
Fidelity Freedom 2025 K
403(b)/457(b) Fidelity
TIAA-CREF Lifecycle 2025 Instl
403(b)/457(b) TIAA
Vanguard Target Retirement 2025 Instl 403(b)/457(b) AIG Benchmark 4 - US Fund Target-Date 2025
Fidelity Freedom 2030 K
403(b)/457(b) Fidelity
TIAA-CREF Lifecycle 2030 Instl
403(b)/457(b) TIAA
Vanguard Target Retirement 2030 Instl 403(b)/457(b) AIG Benchmark 4 - US Fund Target-Date 2030
Target Date 2031-20408
Fidelity Freedom 2035 K TIAA-CREF Lifecycle 2035 Instl
403(b)/457(b) Fidelity 403(b)/457(b) TIAA
Vanguard Target Retirement 2035 Instl 403(b)/457(b) AIG Benchmark 4 - US Fund Target-Date 2035
Fidelity Freedom 2040 K
403(b)/457(b) Fidelity
TIAA-CREF Lifecycle 2040 Instl
403(b)/457(b) TIAA
Vanguard Target Retirement 2040 Instl 403(b)/457(b) AIG Benchmark 4 - US Fund Target-Date 2040
Target Date 2041-20508
Fidelity Freedom 2045 K
403(b)/457(b) Fidelity
TIAA-CREF Lifecycle 2045 Instl
403(b)/457(b) TIAA
Vanguard Target Retirement 2045 Instl 403(b)/457(b) AIG Benchmark 4 - US Fund Target-Date 2045
Fidelity Freedom 2050 K
403(b)/457(b) Fidelity
TIAA-CREF Lifecycle 2050 Instl
403(b)/457(b) TIAA
Vanguard Target Retirement 2050 Instl 403(b)/457(b) AIG Benchmark 10 - US Fund Target-Date 2050
Target Date 2051+8
Fidelity Freedom 2055 K
403(b)/457(b) Fidelity
TIAA-CREF Lifecycle 2055 Instl
403(b)/457(b) TIAA
Vanguard Target Retirement 2055 Instl 403(b)/457(b) AIG Benchmark 4 - US Fund Target-Date 2055
Fidelity Freedom 2060 K TIAA-CREF Lifecycle 2060 Instl Vanguard Target Retirement 2060 Instl
403(b)/457(b) Fidelity 403(b)/457(b) TIAA 403(b)/457(b) AIG
Fidelity Freedom 2065 K
403(b)/457(b) Fidelity
Vanguard Target Retirement 2065 Instl 403(b)/457(b) AIG Benchmark 4 - US Fund Target-Date 2060+
Morningstar Category
US Target Date 2011-2015 US Target Date 2011-2015 US Target Date 2011-2015
US Target Date 2016-2020 US Target Date 2016-2020 US Target Date 2016-2020
US Target Date 2021-2025 US Target Date 2021-2025 US Target Date 2021-2025
US Target Date 2026-2030 US Target Date 2026-2030 US Target Date 2021-2025
US Target Date 2031-2035 US Target Date 2031-2035 US Target Date 2031-2035
US Target Date 2036-2040 US Target Date 2036-2040 US Target Date 2031-2035
US Target Date 2041-2045 US Target Date 2041-2045 US Target Date 2041-2045
US Target Date 2046-2050 US Target Date 2046-2050 US Target Date 2041-2045
US Target Date 2055 US Target Date 2055 US Target Date 2055
US Target Date 2060+ US Target Date 2060+ US Target Date 2055 US Target Date 2065 US Target Date 2055
Ticker Symbol
Inception Date
Average Annual Total Returns2 Since
1 Year 5 Year 10 Year Inception
Net Vendor and
Investment Expense3
%
Per $1,000
Short-term Trading Fee
% / Days
Restrictions
FSNLX TCNIX VITVX
FSNOX TCWIX VITWX
FSNPX TCYIX VRIVX
FSNQX TCRIX VTTWX
FSNUX TCIIX VITFX
FSNVX TCOIX VIRSX
FSNZX TTFIX VITLX
FNSBX TFTIX VTRLX
FNSDX TTRIX VIVLX
FNSFX TLXNX VILVX FFSDX VSXFX
11/6/2003 7.31 8.96 7.87
10/15/2004 7.74 8.84 8.26
6/26/2015 5.81 7.76
-
9/1/1990 7.79 8.12 7.53
10/17/1996 9.02 9.97 8.65
10/15/2004 8.46 9.49 8.96
6/26/2015 8.29 9.32
-
9/1/1990 8.45 8.70 8.11
6.45
0.48
6.15
0.38
6.47
0.09
7.22
0.51
6.33
0.39
7.66
0.09
11/6/2003 10/15/2004
6/26/2015 10/1/2003
10/17/1966 10/15/2004
6/26/2015 3/1/1994
10.17 9.85 9.95 9.75
11.53 11.23 11.52 11.68
10.71 10.42 10.43 9.59
11.91 11.35 11.29 10.79
9.53 9.81
8.76
10.38 10.63
9.63
7.28
0.55
6.63
0.41
8.47
0.09
7.6
0.58
6.89
0.42
9.06
0.09
11/6/2003 10/15/2004
6/26/2015 10/1/2003
14.42 12.70 13.12 13.76
13.34 12.27 12.12 11.84
11.47 11.41
10.51
8.12
0.62
7.27
0.43
9.65
0.09
9/6/2000 16.52 14.05 11.86
5.7
0.65
10/15/2004 14.33 13.17 12.02
7.69
0.44
6/26/2015 14.74 12.93
-
10.21
0.09
3/1/1994 15.47 12.56 11.08
6/1/2006 16.6 14.05 11.94
7.8
0.65
11/30/2007 15.94 13.85 12.38
7.61
0.45
6/26/2015 16.29 13.59
- 10.72
0.09
10/1/2003 16.63 13.11 11.41
6/1/2006 16.58 14.06 11.99
7.68
0.65
11/30/2007 16.48 14.06 12.49
7.67
0.45
6/26/2015 16.59 13.67
-
10.78
0.09
3/2/2001 17.12 13.26 11.56
6/1/2011 16.56 14.06 12.09
10.26
0.65
4/29/2011 16.65 14.17 12.56 10.46
0.45
6/26/2015 16.54 13.68
-
10.79
0.09
3/1/2001 17.30 13.40 11.69
8/5/2014 9/26/2014 6/26/2015
16.60 16.80 16.56
14.04 14.29 13.68
- 10.90
0.65
- 11.09
0.45
- 10.79
0.09
6/28/2019 7/12/2017 1/19/2012
16.53 16.56 17.47
13.45
- 17.70
0.65
- 12.74
0.09
-
4.80
--
--
3.80
--
See footnote 5
0.90
--
See footnote 7
5.10
--
--
3.90
--
See footnote 5
0.90
--
See footnote 7
5.50
--
--
4.10
--
See footnote 5
0.90
--
See footnote 7
5.80
--
--
4.20
--
See footnote 5
0.90
--
See footnote 7
6.20
--
--
4.30
--
See footnote 5
0.90
--
See footnote 7
6.50
--
--
4.40
--
See footnote 5
0.90
--
See footnote 7
6.50
--
--
4.50
--
See footnote 5
0.90
--
See footnote 7
6.50
--
--
4.50
--
See footnote 5
0.90
--
See footnote 7
6.50
--
--
4.50
--
See footnote 5
0.90
--
See footnote 7
6.50
--
--
4.50
--
See footnote 5
0.90
--
See footnote 7
6.50
--
--
0.90
--
See footnote 7
Investment Name/Benchmark
Plan
Vendor
Multi-Asset
Moderate
CREF Social Choice R29
403(b)/457(b) TIAA
Oakmark Equity & Income Inv
403(b)/457(b) Fidelity
Benchmark 4 - US Fund Allocation - 50% to 70% equity
Stock Investments
US Equity Large Cap Blend American Funds Washington Mutual R6 CREF Equity Index R29
403(b)/457(b) TIAA 403(b)/457(b) TIAA
Morningstar Category
Ticker Symbol
US VA Sub Alloc 50% to 70% Eqty QCSCPX US Allocation 50% to 70% Equity OAKBX
US Large Blend US VA Sub Large Blend
RWMGX QCEQPX
Investment Name/Benchmark
Plan
Vendor
Morningstar Category
US Equity Large Cap Blend - continued
CREF Stock Account R29
Fidelity 500 Index
MFS Massachusetts Investors Tr R6
Vanguard Dividend Growth Inv Vanguard FTSE Social Index Adm2 Benchmark 4 - S&P 500
403(b)/457(b) TIAA
US VA Sub Alloc 85%+ Equity
403(b)/457(b) AIG/Fidelity US Large Blend
403(b)/457(b) Fidelity US Large Blend
403(b)/457(b) AIG
US Large Blend
403(b)/457(b) AIG
US Large Blend
US Equity Large Cap Growth
American Funds Grwth Fund Amer R6 403(b)/457(b) AIG
CREF Growth Account R29
403(b)/457(b) TIAA
Fidelity Contrafund? Class K6
403(b)/457(b) Fidelity
Benchmark 4 - Russell 1000 Growth TR USD
US Large Growth US VA Sub Large Growth US Large Growth
US Equity Large Cap Value
Invesco Diversified Dividend R5
403(b)/457(b) Fidelity
TIAA-CREF Large-Cap Value Instl
403(b)/457(b) TIAA
Vanguard Windsor II Adm
403(b)/457(b) AIG
Benchmark 4 - Russell 1000 Value TR USD
US Large Value US Large Value US Large Value
US Equity Mid Cap BlackRock Mid-Cap Growth Equity K Fidelity Extended Market Idx TIAA-CREF Mid-Cap Growth Instl TIAA-CREF Mid-Cap Value Instl Vanguard Mid-Cap Growth Inv Vanguard Selected Value Inv Virtus Ceredex Mid-Cap Value Eqty R6 Benchmark 4 -S&P MidCap 400 TR
403(b)/457(b) Fidelity US Mid-Cap Growth
403(b)/457(b) AIG/Fidelity US Mid-Cap Blend
403(b)/457(b) TIAA
US Mid-Cap Growth
403(b)/457(b) TIAA
US Mid-Cap Value
403(b)/457(b) AIG
US Mid-Cap Growth
403(b)/457(b) AIG
US Mid-Cap Value
403(b)/457(b) Fidelity US Mid-Cap Value
US Equity Small Cap
Columbia Small-Cap Index Z
403(b)/457(b) AIG
Fidelity Small-Cap Discovery
403(b)/457(b) Fidelity
Fidelity Small Cap Index Fund
403(b)/457(b) Fidelity
Invesco Small-Cap Growth R6
403(b)/457(b) TIAA
Loomis Sayles Small-Cap Growth N
403(b)/457(b) Fidelity
TIAA-CREF Small-Cap Blend Idx Instl
403(b)/457(b) TIAA
Vanguard Small-Cap Growth Idx Adm 403(b)/457(b) AIG
Vanguard Small-Cap Value Idx Adm
403(b)/457(b) AIG
Vulcan Value Partners Small Cap I
403(b)/457(b) Fidelity
Benchmark 4 - S&P SmallCap 600 TR USD
US Small Blend US Small Blend US Small Blend US Small Growth US Small Growth US Small Blend US Small Growth US Small Value US Small Blend
Ticker Symbol
QCSTPX FXAIX MITJX VDIGX VFTAX
RGAGX QCGRPX FLCNX
DDFIX TRLIX VWNAX
BMGKX FSMAX TRPWX TIMVX VMGRX VASVX SMVZX
NMSCX FSCRX FSSNX GTSFX LSSNX TISBX VSGAX VSIAX VVISX
Inception Date
Average Annual Total Returns2 Since
1 Year 5 Year 10 Year Inception
Net Vendor and Investment Expense3
%
Per $1,000
Short-term Trading Fee
% / Days
Restrictions
3/1/1990 12.59 10.99 9.49
8.56
0.25
11/1/1995 21.55 10.58 9.76
10.27
0.86
7/1/1929 13.89 10.39 9.33
2.50
--
See footnote 5
8.60
--
--
5/1/2009 4/29/1994
Inception Date
28.90 15.53 14.59 15.25 25.45 17.68 15.96 14.29
Average Annual Total Returns2 Since
1 Year 5 Year 10 Year Inception
0.27
2.70 --
See footnote 5
0.22
2.20 --
See footnote 6
Net Vendor and
Investment Expense3
%
Per $1,000
Short-term Trading Fee
% / Days
Restrictions
7/31/19526 18.86 14.72 13.10
11.10
0.29
2/17/1988 28.69 18.46 16.54
11.22
0.01
7/15/1924 27.25 17.81 15.92
9.52
0.38
5/15/1992 24.84 16.97 14.65
9.57
0.26
2/7/2019 27.71 20.27 18.05 25.62
0.14
1/30/1970 28.71 18.47 16.55
5/1/2009 19.69 21.26 18.31
17.06
0.30
4/29/1994 20.37 23.40 18.73 17.35
0.24
5/25/2017 24.14
--
- 20.59
0.45
12/29/1978 27.60 25.32 19.79
12/31/2001 10/1/2002 5/14/2001 12/29/1978
19.29 27.01 29.08 25.16
8.57 10.37 15.35 11.16
11.68 12.52 14.33 12.97
8.32
0.53
9.95
0.41
8.55
0.26
12/27/1996 14.60 25.94 19.76 11.77
0.70
11/5/1997 12.41 15.30 14.93
9.37
0.04
10/1/2002 2.95 18.26 15.08 12.67
0.48
10/1/2002 32.18 8.95 11.52
11.29
0.46
12/31/1997 9.77 17.94 14.65 11.23
0.34
2/15/1996 27.75 10.94 12.59
9.35
0.31
11/30/2001 29.34 12.06 13.56
10.43
0.87
8/30/1991 24.76 13.09 14.20
10/15/1996 26.38 12.21 14.26
10.26
0.20
9/26/2000 35.67 11.43 13.53
11.32
0.62
9/8/2011 14.72 12.11 13.38
13.69
0.03
9/24/2012 7.80 19.48 18.08 16.64
0.71
12/31/1996 10.19 19.08 15.51
8.74
0.82
10/1/2002 14.89 12.15 13.42
11.38
0.06
9/27/2011 5.70 16.90 14.83 15.28
0.07
9/27/2011 28.09 10.31 13.30 14.00
0.07
12/30/2009 45.61 12.90 13.92
13.89
1.30
1/31/1995 26.82 12.42 14.50
2.90 -0.10 -3.80 -2.60 -1.40 --
See footnote 6 ---
See footnote 7 See footnote 7
3.00 -2.40 -4.50 --
See footnote 7 See footnote 6
--
5.30 -4.10 -2.60 --
-See footnote 5 See footnote 7
7.00 -0.40 -4.80 -4.60 -3.40 -3.10 -8.70 --
-See footnote 7 See footnote 5 See footnote 5 See footnote 7 See footnote 7
--
2.00 -6.20 -0.30 -7.10 -8.20 -0.60 -0.70 -0.70 -13.00 2.00%/90
See footnote 7 ---
See footnote 5 --
See footnote 5 See footnote 7 See footnote 7
--
Investment Name/Benchmark
Plan
Vendor
Morningstar Category
Global Equity
American Funds Capital World G/I R62 403(b)/457(b) AIG
US World Large-Stock Blend
American Funds EuroPacific Gr R6 CREF Global Equities R29
403(b)/457(b) AIG/TIAA US Foreign Large Growth
403(b)/457(b) TIAA
US VA Sub World Stock
Fidelity International Index Fund
403(b)/457(b) AIG/Fidelity US Foreign Large Blend
Harbor International Instl
403(b)/457(b) Fidelity US Foreign Large Blend
Invesco International Growth R5
403(b)/457(b) Fidelity US Foreign Large Growth
TIAA-CREF International Equity Instl
403(b)/457(b) TIAA
Benchmark 4 - MSCI All Country World Index X - US
US Foreign Large Blend
Emerging Markets Equity
Invesco Developing Markets R6 Benchmark 4 - MSCI EM NR USD
403(b)/457(b) Fidelity US Diversified Emerging Mkts
Sector Equity Cohen & Steers Realty Shares L
403(b)/457(b) Fidelity US Real Estate
Investment Name/Benchmark Sector Equity - continued
Plan
Vendor
Morningstar Category
TIAA Real Estate Account
Vanguard REIT Index Admiral Benchmark 4 - MSCI US REIT GR USD
403(b)/457(b) TIAA 403(b)/457(b) AIG
Bond Investments
US Fixed Income
BNY Mellon Bond Market Index I CREF Bond Market R29
403(b)/457(b) AIG 403(b)/457(b) TIAA
Fidelity US Bond Market Index
403(b)/457(b) Fidelity
TIAA-CREF Bond Index Fund Instl
403(b)/457(b) TIAA
Vanguard GNMA Adm
403(b)/457(b) AIG
Benchmark 4 - Bloomberg US Agg Bond TR USD
Global Fixed Income
PGIM Global Total Return Fund R6
403(b)/457(b) TIAA
Fidelity International Bond Index Fund 403(b)/457(b) Fidelity
Vanguard Total Intl Bond Index
403(b)/457(b) AIG
Benchmark 4 - Bloomberg Global Agg TR Hdg USD
Inflation Linked
CREF Inflation-Linked Bond R29
403(b)/457(b) TIAA
PIMCO Long-Term Real Return Instl
403(b)/457(b) Fidelity
Benchmark 4 - Bloomberg US Treasury US TIPS TR USD
US VA Sub Misc Sector US Real Estate
US Intermediate Core Bond US VA Sub Intermediate Bond US Intermediate Core Bond US Intermediate Core Bond US Intermediate Gov
US World Bond - USD Hedge US World Bond - USD Hedge US World Bond - USD Hedge
US VA Sub Infl-Protected Bond US Infl-Protected Bond
Investment Name/Benchmark
Plan
Vendor
Money Market
US Money Market
Fidelity Government Money Market
403(b)/457(b) Fidelity
Vanguard Federal Money Market
403(b)/457(b) AIG/TIAA
Benchmark 4 - FTSE Treasury Bill 3 Month USD
Morningstar Category
US Money Market-Taxable US Money Market-Taxable
Ticker Symbol
Inception Date
Average Annual Total Returns2 Since
1 Year 5 Year 10 Year Inception
Net Vendor and Investment Expense3
%
Per $1,000
Short-term Trading Fee
% / Days
Restrictions
RWIGX RERGX QCGLPX FSPSX HAINX AIEVX TIIEX
5/15/2002 15.15 13.55 11.96 11.93
0.42
5/1/2009 2.84 12.87 10.01 10.06
0.46
5/1/1992 15.59 14.71 12.55 10.49
0.27
11/5/1997 11.45 9.78 8.21
5.45
0.04
12/29/1987 9.52 8.49 6.67 10.13
0.89
4/7/1992 5.87 10.08 8.04
7.87
1.00
7/1/1999 10.81 9.98 9.11
5.46
0.48
1/1/2001 7.82 9.61 7.28
4.20 -4.60 -2.70 -0.40 -8.90 -10.00 -4.80 --
See footnote 7 See footnote 7
See footnote 6 See footnote 7
--See footnote 5
ODVIX
11/18/1996 -7.13 10.19 6.65 11.25
0.82
8.20 --
--
1/1/2001 -2.54 9.87 5.49
CSRSX Ticker Symbol
QREARX VGSLX
7/2/1991
Inception Date
42.61 13.56 12.52 12.21 Average Annual Total Returns2 Since
1 Year 5 Year 10 Year Inception
0.97
9.70 --
Net Vendor and
Investment Expense3
%
Per $1,000
Short-term Trading Fee
% / Days
-Restrictions
10/2/1995 17.87 6.17 7.59
6.39
0.87
11/12/2001 40.40 11.24 11.51 11.14
0.12
12/30/1994 43.06 10.78 11.32
8.70 -1.20 --
Transfers out: Limit 1 per quarter, limitations may apply to any transaction resulting in a balance > $150,000. See footnote 7
DBIRX QCBMPX FXNAX TBIIX VFIJX
11/30/1993 -1.78 3.41 2.69 3/1/1990 -1.28 3.79 3.13 3/8/1990 -1.79 3.52 2.86 9/14/2009 -1.81 3.41 2.74 2/12/2001 -1.02 2.31 2.18 1/3/1980 -1.54 3.57 2.90
4.78
0.15
3.09
0.26
5.71
0.03
3.39
0.08
4.15
0.11
1.50 -2.60 -0.30 -0.80 -1.10 --
See footnote 7 See footnote 6
-See footnote 5 See footnote 7
PGTQX FBIIX VTABX
2/3/2012 -5.73 5.43 4.26
10/10/2019 -1.74
-
-
5/31/2013 -2.22 3.05
-
12/31/1998 -1.39 3.39 3.49
3.79
0.52
0.60
0.06
3.44
0.11
5.20 0.60 -1.10
See footnote 5 --
See footnote 7
QCILPX PRAIX
5/1/1997 5.22 4.13 2.28 11/12/2001 7.09 10.17 5.57 4/15/1998 5.96 5.34 3.09
3.03
0.23
7.55
0.60
Current
Average Annual Total Returns2
Symbol Inception Date Rate10 1 Year 5 Year 10 Year Inception
2.30 -6.00 --
See footnote 6 --
Net Vendor and
Investment Expense3
%
Per $1,000
SPAXX VMFXX
2/5/1990 0.00 0.01 0.82 7/13/1981 0.01 0.01 1.04
0.42
2.58
0.55
3.93
12/30/1977 -
0.05 1.11
0.60
0.42
4.20
--
0.11
1.10 See footnote 7
Investment Name/Benchmark Guaranteed Guaranteed Investments
Plan
Vendor
Category
Fixed Interest Option13
403(b)
AIG
Fixed Interest Option
Fixed Interest Option13
457(b)
AIG
Fixed Interest Option
Fixed Interest Option14
403(b)
Lincoln Guaranteed Annuity
Investment Name/Benchmark
Plan
Guaranteed Investments - continued
Vendor
Category
TIAA Stable Value15
403(b)
TIAA
Stable Value
TIAA Traditional Retirement Choice11, 12
403(b)
TIAA
TIAA Traditional Retirement Choice Plus11, 12 403(b)/457(b) TIAA
Guaranteed Annuity Guaranteed Annuity
Ticker or Code Inception Date
Average Annual Total Returns2
Current Guaranteed
Since Crediting Minimum
1 Year 5 Year 10 Year Inception Rate
Rate
Restrictions
FB124
1/1/1998 2.00 2.00 2.14
3.49
2.00
100% of the vested account balance is available in the event of disability, death or separation from service. For active employees age 59 ? or older, 100% of the vested account balance may be moved out of the Plan. Otherwise, it will be 2.00 distributed over a 5-year period.
FB124
1/1/1998 2.00 2.00 2.14
3.49
2.00
100% of the vested account balance is available in the event of disability or separation from service. For active employees age 59 ? or older, 100% of the vested account balance may be moved out of the Plan. Otherwise, it will be distributed or 2.00 transferred over a 5-year period.
100% of the vested account balance is available in
the event of disability, death, separation from
service, or after age 59 ?. Otherwise, it will be
N/A
6/1/1992 4.50 4.50 4.50
N/A
4.50
4.50 transferred over a 5-year period.
Ticker or Code Inception Date
Average Annual Total Returns2
Current Guaranteed
Since Crediting Minimum
1 Year 5 Year 10 Year Inception Rate
Rate
Restrictions
Must first transfer to a non-competing investment
option and the assets remain there for 90 days
before being transferred to a competing fund.
Transfers in may not be made for 30 days
N/A
1/31/2016 1.77 1.76
-
1.71
1.52
1.00 following a transfer out.
Lump sum withdrawals of the vested account
balance are only available within 120 days of
termination of employment with a 2.5% surrender
charge. All other withdrawals or transfers will be
made over 84 months (7 years) in monthly
N/A
8/1/2005 3.55 3.95 4.17
4.36
3.50
1.00 systematic payments.
N/A
6/1/2006 2.80 3.19 3.39
3.59
2.75
1.00
--
Disclosures
The performance data provided above was obtained from Plan vendors and third parties. The performance since inception is cumulative if less than one year of performance history is shown. Vendors may have obtained this information from third parties. Neither the vendors, Auburn University, or Johnson Sterling, Inc. has independently verified the accuracy or completeness of this information.
Investment options, insurance, and annuity products are not FDIC insured. Your vendor may offer additional asset protection.
Past performance is no guarantee of future results. Your returns and the value of your investment will fluctuate over time. Current performance may be impacted by other factors including fees and expenses.
Footnotes
1 - Investment results are after applicable investment, administrative, and distribution expenses. Investment results for the vendors do not include the record keeping and administration expense. 2 - Total return includes the reinvestment of all dividends and any capital gains distribution. 3 - Expenses are estimated each year based on projected expense and asset levels. Differences between actual expenses and the estimate are adjusted quarterly and are reflected in current investment results. Historically, adjustments have been small. The Account's total annual expense deduction appears in the Account's prospectus (if available), and may be different than that shown herein. Please refer to the prospectus for further details. 4 - Benchmark information was provided by Morningstar, Inc. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. 5 - TIAA mutual funds = You cannot transfer into the fund within 30 calendar days of transferring out of the fund. 6 - CREF annuities = If round trip is made within 60 calendar days, transfers into the same account will be restricted for 90 calendar days. 7 - AIG trading policy = If sell $5,000 or more, then you will not be able to purchase $5,000 or more for 30 calendar days. This policy applies only to investor-initiated trades of $5,000 or more. 8 - Target Retirement Date Funds are actively managed. Their asset allocations are subject to change. They invest in many underlying funds and are exposed to the risks of different areas of the market. The higher a fund's allocation to stocks, the greater the risk. After the target date has been reached, some of these funds may be merged into a fund with a more stable asset allocation. Please consult the prospectus for more complete information.
9 - The performance shown for Class R2 that is prior to its inception date is based on the performance of the Account's Class R1. The performance for these periods has not been restated to reflect the lower expenses of Class R2. If these lower expenses had been reflected, the performance of Class R2 for these periods would have been higher. 10 - The current rate more closely reflects the current earnings of the money market fund than does the total average annual return. Yields are historical and do not guarantee future performance. 11 - For TIAA Traditional the Current Rates, Minimum Guaranteed Rates and Fees (if applicable) shown for guaranteed annuities are the rates in effect as of the first day of the month following quarter end. Depending upon the contract, these may apply to new money only or to both new money and existing accumulations. See your annuity contract or certificate for details. 12 - The TIAA Traditional Annuity guarantees principal and a specified interest rate (based on TIAA's claims paying ability). It also offers the potential for greater growth through additional amounts, which may be declared on a year-by-year basis by the TIAA Board of Trustees. These additional amounts, when declared, remain in effect for the "declaration year" which begins each March 1. Additional amounts are not guaranteed. For more up to date information please visit your employer's microsite or . TIAA Traditional is a guaranteed insurance contract and not an investment for federal securities law purposes. 13 - AIG declares a portfolio interest rate monthly for the Fixed-Interest Option. That declared portfolio interest rate is guaranteed until the end of that month and is credited to all new and old deposits as well as credited interest. The contractual lifetime minimum guaranteed interest rate is 2%. All interest is compounded daily at the declared annual effective rate. AIG's interest-crediting policy is subject to change, but any changes will not reduce the current rate below the contractually guaranteed minimum or money already credited to the account. For the current crediting rate, please call 1-800-448-2542 or contact one of the Plan's AIG representatives listed above. 14 - Transfers to Lincoln may be restricted. If you are actively employed and have or never had an account at Lincoln, you may transfer money to Lincoln and open an account if necessary. If you had an account at Lincoln that was previously closed ($0 balance), you will need to open an account and make contributions prior to the transfer. If you terminated employment and have an account at Lincoln with a balance, you can transfer money to Lincoln. If you terminated employment and had an account that was closed or never opened an account at Lincoln, you are not able to open an account and transfer money to the account. 15 - Participant transfers from TIAA Stable Value may not be made directly to competing funds. Auburn offers two competing funds (CREF money market and TIAA Real Estate Account).
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