Retirement Investors’ Club Fund Fees Comparison

Retirement Investors' Club

Fund Fees Comparison

Asset Class Sub Class

Fund Name

Fees

Fund Name

Fees

Fund Name

Fees

Fund Name

Fees

Principal Protection

Fixed Income Funds

Balanced Funds

Core Stock Funds

Stable Value

VALIC Fixed Interest Option

None

Money Market

Am Century Gov't Agency Money Mkt

JP Morgan Mortg.-B Secs A

Government

fund provider total

fund provider total

------------------------------------

Interm-Term Franklin Total Return (high quality) A

High Yield

Am Fnds American High Income R4

Traditional

Am Fnds American Balanced R4

fund Provider total fund provider total

fund provider total

Hartford General "Declared Interest" Account

None

.48% .15% .63%

----------------------------------------

.65% Hartford Mortgage .15% Securities HLS .80%

PIMCO Real Return

1.04% .15%

Hartford Total Return Bond HLS

1.19%

.78% .15%

Goldman Sachs High Yield

.93%

fund provider total fund provider total fund provider total fund provider total

.67% Oakmark Equity and .15% Income .82%

fund provider total

------------------------------------

------------------------------------

S&P 500 Index

SSgA S&P 500 Index fund

Series F

provider

total

fund

Lg Cap Value Oppenheimer Value A provider

total

fund

Davis NY Venture A provider

Lg Cap

total

Blend

------------------------------------

Lg Cap Growth

Am Fnds Growth R3

fund provider total

.25%

fund

.15% SSgA S&P 500 Flagship provider

.40%

total

1.07%

.15%

Hotchkis & Wiley Lg Cap Value

1.22%

fund provider total

.92% .15%

Neuberger Berman Socially Responsive

1.07%

fund provider total

Hartford Capital Appreciation HLS

fund provider total

1.05%

.15%

Am Fnds Growth Fund of America

1.20%

fund provider total

ING Fixed Account 457/401(a)

None

------------------------------------

.49%

fund

0 ING GNMA Income I provider

.49%

total

.70%

0

------------------------------------

.70%

.50% 0

Fidelity VIP Inv Grade Bond Port I

fund provider

.50%

total

1.13% 0

Am Fnds High Income Trust R4

fund provider

1.13%

total

.89% Am Fnds American 0 Balanced R4

.89%

Pax World Balanced

fund provider total fund provider total

.23% Vanguard Institutional fund

0 Index

provider

.23%

total

1.22%

0

Pioneer Equity Income A

1.22%

fund provider total

1.17% Fidelity VIP

fund

0 Contrafund Initial 1.17% Class

provider total

.70%

0

------------------------------------

.70%

.70%

0

Am Fnds Growth Fund of America R4

.70%

fund provider total

Nationwide Fixed Account

None

------------------------------------

.67% Principal Inv Bond & fund

.10% Mortgage Select

provider

.77%

total

.93% .19% 1.12%

------------------------------------

.56% .10%

Western Asset Core Bond FI

.66%

.75% .10%

Am Fnds American High Income Tr R3

.85%

fund provider total fund provider total

.72% .19% .91% 1.13% .19% 1.32%

.67% Van Kampen Equity fund

.10% & Income A

provider

.77%

total

.95%

.10%

------------------------------------

1.05%

.78% .19% .97%

.05% State Street Equity .10% 500 Index Admin. .15%

1.08%

.10%

Principal Inv Lg Cap Value Select

1.18%

.68%

.10% Davis NY Venture A

.78%

fund provider total fund provider total fund provider total

.25% .19% .44% .83% .19% 1.02% .89% .19% 1.08%

------------------------------------

.70%

.10%

Am Fnds Growth Fund of America R3

.80%

fund provider total

.96% .19% 1.15%

Asset Class Subclass Mid Cap Value

Mid Cap Blend

Fund Name

Fees

Fund Name

Pioneer Mid Cap Value A

Dreyfus Mid Cap Index

fund provider total fund provider total

1.21% .15% Artisan Mid Cap Value

1.36% .50% .15% RS Value .65%

------------------------------------

SSgA S&P MidCap Index

Mid Cap Growth Aggressive Stock Funds Sm Cap Value

Sm Cap Blend

AllianceBernstein Mid Cap Gr A

fund provider

total

Dreyfus Prem Sm Cap Value A

fund provider total

Dreyfus Sm Cap Stock Index

fund provider total

1.26% .15%

Munder Mid Cap Core Growth

1.41%

1.50%

.15%

Am Century Sm Cap Value

1.65%

.50% .15%

SSgA Russell 2000 Index

.65%

------------------------------------

Lord Abbett Sm Cap Blend

Sm Cap Growth

Legg Mason Partners fund

Sm Cap Growth I

provider

total

Global Stock (includes US)

Oppenheimer Global A

fund provider total

1.21% .15% Baron Small Cap

1.36%

1.15% .15% Templeton Growth

1.30%

Lg Stock Value

------------------------------------

AllianceBernstein Int'l Value

International

Funds

Lg Stock

Blend

fund

Am Fnds EuroPacific R4

provider

total

.90% .15% SSgA EAFE Index 1.05%

------------------------------------

Bernstein Int'l Portfolio

Lg Stock Growth

fund Fidelity Adv Div Int'l A provider

total

1.27%

.15%

Hartford Int'l Capital Appreciation HLS

1.42%

Fees

Fund Name

Fees

Fund Name

Fees

fund provider total fund provider total fund provider total fund provider total fund provider total fund provider total fund

provider total fund provider total

fund provider total fund provider total fund provider total fund provider total fund provider total

1.22% Lord Abbett Mid Cap 0 Value A

1.22%

1.39% 0

ING VP Index Plus MidCap Portfolio I

1.39%

.25% 0

Fidelity Mid Cap Growth T

.25%

1.12%

0 Wanger Select

1.12%

1.25%

0 Ariel Fund

fund provider total fund provider total fund provider total fund provider total fund provider

1.25%

.26% 0

Lord Abbett Sm Cap Value A

.26%

1.46%

total fund provider total

0

------------------------------------

1.46% 1.33% UBS U.S. Sm Cap

0 Growth A 1.33%

fund provider total

1.06% Am Fnds New 0 Perspective R4

1.06%

fund provider total

1.20% 0

Dodge & Cox International (Feb 06)

fund provider

1.20%

total

.35%

fund

0

Am Fnds EuroPacific Growth R4

provider

.35%

total

1.20%

0

1.20% .93%

------------------------------------

0

.93%

1.13% Goldman Sachs Mid .10% Cap Value A

1.23%

fund provider total

1.19% .19%

1.38%

.49% .10%

JP Morgan Mid Cap Equity Select

.59%

fund provider total

.90% .19% 1.09%

1.32%

.10%

------------------------------------

1.42%

1.00 .10%

Am Century Vista Adv

1.10%

fund provider total

1.25% .19%

1.44%

1.07%

fund

.10%

Dreyfus Premier Sm Cap Value R

provider

1.17%

total

1.25% .19%

1.44%

1.33% .10%

Oppenheimer Main St Sm Cap A

1.43%

fund provider total

1.15% .19%

1.34%

------------------------------------

1.28% UBS U.S. Sm Cap .10% Growth A

1.38%

fund provider total

1.28% .19%

1.47%

.79% Am Fnds Capital .10% World G/I R3 .89%

fund provider total

1.15% .19%

1.34%

.77%

.10%

------------------------------------

.87%

.90%

.10%

Am Fnds Euro Pacific Growth R3

1.00%

fund provider total

1.15% .19%

1.34%

------------------------------------

Asset Class Subclass

Fund Name

Fees

Fund Name

Fees

Fund Name

Fees

Fund Name

Fees

Alternative

Fidelity Advisor

Add .15% to fund SSgA Dow Jones

Fund fee is total ING Solution

Add .10% to fund Principal Inv

Add .19% to fund

Freedom:

fee for total fee Target

fee

Portfolios

fee for total fee LifeTime Select

fee for total fee

Income

fund

.85% Today

fund

.80% Income

fund

.64% Strategic Income fund

1.17%

Lifestage 2010

fund

.95% 2015

fund

.80% 2015

fund

.72% 2010

fund

1.22%

Funds

2020

fund

1.01% 2025

fund

.80% 2025

fund

.80% 2020

fund

1.29%

2030

fund

1.04% 2035

fund

.80% 2035

fund

.85% 2030

fund

1.30%

2040

fund

1.05% 2045

fund

.80% 2045

fund

.87% 2040

fund

1.30%

2050

fund

1.31%

Schwab PCRA

Schwab PCRA

ING Ultimate - Pershing

Schwab PCRA

$50/year plus trade fee(s)

$50/year plus trade fee(s)

$50/year plus trade fee(s)

$50/year plus trade fee(s)

Self-Directed 1,900? mutual funds offered

1,500? mutual funds offered

10,000? mutual funds offered/800+ no- 2,400 no load, no transaction fee funds

Brokerage No core account minimum requirement $10,000 required in core account

load/no-trans fees funds

from 340 fund families and an additional

Accounts Initial & additional deposit minimums

Initial deposit $5,000+

$10,000 required in core account

1,100 load funds at no load as part of

(SDBA)

designated by fund(s) you choose

Additional deposits no less than $1,000

Initial deposit $5,000+

the Institutional PCRA program.

Additional deposits no less than $1,000 $10,000 min in total core plan balance

Initial/additional deposits $2,500/$500+

Retirement Investors' Club

Iowa Department of Administrative Services 1305 E Walnut Level A Des Moines, IA 50319 515-281-8677 515-281-5102 (fax)

Revised February 14, 2007

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