HORIZON™ Back-Tested Plan True Investment Average Annual Return (AAR)*
Through 2/21/2023
Plan Name
(Click to see investment choices)
Plan Type[1] 1/13/23
(YTD)
12/24/21
(1-YR+)
12/20/19
(3-YR+)
12/15/17
(5-YR+)
12/11/15
(7-YR+)
12/21/12
(10-YR+)
Since
Inception[3]
Plan
Performance
History
Level
of
Effort[4]
Fund/Brokerage
Contact #
Benchmark Investments (Balanced Funds, Best Target Date Fund)
Fidelity Asset Manager (70%/30%) - 0.7% (10.2%) 5.3% 5.6% 7.4% 7.5% 6.2% - -
Vanguard Balanced Index (60%/40%) - 0.9% (11.0%) 4.6% 6.1% 7.5% 8.0% 7.1% - -
Vanguard Wellesley Income (40%/60%) - (1.6%) (6.1%) 2.7% 4.0% 5.4% 5.6% 6.9% - -
Fidelity Freedom® 2040 - 0.6% (10.5%) 6.1% 6.5% 8.7% 8.4% 5.2% - -
Fidelity Freedom® 2020 - (0.4%) (10.5%) 2.7% 3.6% 5.5% 5.4% 6.0% - -
HORIZON™ Average - 0.6% (10.9%) 2.3% 5.4% 8.2% 9.6% 12.4% Details -
Employer Retirement Plans (e.g., 401(k), 403(b))
Accenture—All Funds P (0.1%) (12.7%) 0.6% 4.9% 8.1% 9.6% 11.7% Details E  
Accenture—Unrestricted P (0.7%) (12.8%) 0.3% 4.2% 7.6% 8.8% 12.2% Details E
ADP P 1.1% (10.0%) 2.6% 6.6% 8.9% 10.9% 10.6% Details E
Aon Corporation P (0.0%) (8.1%) 1.8% 4.0% 7.5% 9.5% 12.2% Details E
Bank of America P 0.2% (8.2%) 1.5% 5.1% 7.5% 9.4% 9.4% Details E
Baylor College of Medicine P 0.6% (14.3%) 1.5% 4.4% 7.2% 8.9% 13.3% Details E
CCH P 0.2% (13.9%) 0.7% 3.5% 6.8% 8.0% 10.7% Details E
Centier Bank 401(k) Plan P 0.6% (8.9%) (0.1%) 2.9% 6.1% 7.7% 11.9% Details E
Chicago Deferred Compensation Plan P 2.2% (12.8%) 2.1% 4.6% 7.5% 9.6% 11.0% Details E
Coca-Cola P (0.3%) (16.2%) (1.6%) 2.1% 5.1% 7.4% 10.8% Details E
Coca-Cola Bottlers Assn P 1.6% (9.5%) 3.6% 6.5% 9.3% 10.5% 13.7% Details E
Dell Technologies P (0.6%) (13.7%) 0.4% 2.6% 5.6% 7.4% 10.9% Details E
Equitable Series A P 0.4% (9.4%) 1.4% 4.5% 7.7% 8.8% 13.5% Details E
Ernst & Young P 0.4% (10.8%) 4.7% 8.1% 11.3% 12.2% 13.3% Details E
FedEx Corporation P 0.4% (12.9%) 1.3% 3.9% 7.0% 9.0% 10.6% Details E
Genentech P 0.5% (12.4%) 2.9% 6.4% 8.7% 9.4% 10.9% Details E
Halock Security Labs P 1.0% (8.1%) 3.1% 5.5% 8.0% 10.1% 11.7% Details E
Hill-Rom  P 0.2% (8.3%) 1.5% 4.1% 7.3% 8.5% 12.9% Details E
IBM Corp. P 1.1% (19.2%) (1.2%) 2.4% 5.0% 7.4% 7.3% Details E
Insperity P 0.7% (10.5%) 0.7% 3.6% 6.9% 8.5% 10.7% Details E
Jones Lang LaSalle P 1.0% (8.8%) 6.2% 8.1% 10.4% 11.1% 13.5% Details E
KPMG P (0.3%) (18.8%) (1.8%) 2.3% 5.0% 6.6% 13.2% Details E
Kronos P 0.9% (9.6%) 0.8% 4.3% 7.5% 8.5% 11.5% Details E
Ladenburg Savings Plan P 0.5% (11.4%) 0.3% 3.9% 6.9% 8.8% 10.9% Details E
MarkLogic P (1.0%) 3.2% 7.2% 9.1% 11.1% 11.0% 12.8% Details E
Merrill ETF Series A P 1.6% (12.5%) 1.9% 5.0% 7.9% 9.3% 9.8% Details E
McKesson Corporation P 1.2% (8.8%) 5.4% 7.3% 9.9% 11.1% 10.9% Details E
Mead Johnson P (0.1%) (7.9%) 7.4% 7.8% 9.5% 9.8% 10.6% Details E
Michigan ORS Plan P 1.2% (5.5%) 3.9% 5.5% 8.2% 9.4% 11.5% Details E
Microsoft P 1.0% (17.2%) 3.0% 5.5% 8.6% 10.1% 12.0% Details E
National Express P 0.6% (19.9%) (3.4%) 1.6% 5.1% 7.3% 11.7% Details E
NetApp P 0.8% (13.9%) 1.5% 5.1% 8.4% 10.2% 11.3% Details E
Oracle Corporation P (0.3%) (11.7%) 3.4% 6.7% 9.5% 10.2% 11.6% Details E
PayPal P 0.3% (8.5%) 2.2% 5.4% 8.5% 10.3% 10.6% Details E
Simple Truth P 2.0% (4.5%) 4.3% 6.8% 9.4% 9.6% 11.8% Details E
Sirius Computer Solutions, Inc. P 0.3% (14.2%) 1.6% 4.4% 6.8% 8.2% 10.0% Details E
St. of Connecticut P 0.5% (14.1%) (0.3%) 4.2% 6.9% 7.7% 9.1% Details E
The Travelers Companies, Inc. P 0.2% (11.5%) 2.8% 5.1% 8.0% 9.1% 11.1% Details E
TIAA M 0.4% (15.1%) (0.9%) 3.7% 6.8% 8.3% 7.6% Details E 800-842-2252
TIAA--Illinois RSP M 0.7% (0.5%) 8.6% 8.3% 9.9% 10.3% 10.0% Details E 800-842-2252
Underwriters Laboratories P 1.0% (6.2%) 7.0% 8.2% 10.0% 10.9% 13.2% Details E
United Health Care Group P (0.9%) (16.4%) (0.4%) 2.4% 5.5% 7.4% 10.7% Details E
US Foods P 0.2% (14.5%) (0.9%) 1.6% 4.1% 6.5% 11.2% Details E
VMWare P 1.1% (11.7%) 1.6% 4.6% 7.2% 8.3% 10.8% Details E
Voya--Illinois RSP  P 1.2% (8.9%) 3.2% 6.3% 7.7% 8.7% 10.6% Details E
Wells Fargo & Company P 0.6% (17.6%) 1.2% 4.7% 8.1% 9.8% 12.0% Details E
Accenture—Unrestricted P (0.7%) (12.8%) 0.3% 4.2% 7.6% 8.8% 12.2% Details E
Accenture—Unrestricted P (0.7%) (12.8%) 0.3% 4.2% 7.6% 8.8% 12.2% Details E
Accenture—Unrestricted P (0.7%) (12.8%) 0.3% 4.2% 7.6% 8.8% 12.2% Details E
Accenture—Unrestricted P (0.7%) (12.8%) 0.3% 4.2% 7.6% 8.8% 12.2% Details E
Accenture—Unrestricted P (0.7%) (12.5%) 1.9% 5.0% 7.9% 9.3% 0.0% Details E
Accenture—Unrestricted P (0.7%) (12.8%) 0.3% 4.2% 7.6% 8.8% 12.2% Details E
Accenture—Unrestricted P (0.7%) (12.8%) 0.3% 4.2% 7.6% 8.8% 12.2% Details E
Accenture—Unrestricted P (0.7%) (12.8%) 0.3% 4.2% 7.6% 8.8% 12.2% Details E
Accenture—Unrestricted P 1.6% (12.5%) 1.9% 5.0% 7.9% 9.3% 9.8% Details E
Accenture—Unrestricted P (0.7%) (12.8%) 0.3% 4.2% 7.6% 8.8% 12.2% Details E
Mutual Fund Investments (e.g., IRA, non-retirement)
American Funds M (0.1%) (8.8%) 1.1% 3.8% 7.0% 8.8% 11.0% Details E 800-421-9923
Fidelity Choice Series A M 1.0% (10.0%) 5.0% 6.3% 8.5% 10.2% 9.7% Details E-M 800-343-3548
Fidelity Choice Series S1 M 0.2% (13.4%) 3.5% 4.0% 6.8% 9.5% 13.1% Details E-M 800-343-3548
Franklin Templeton Series 2 M (0.3%) (17.9%) (1.1%) 3.3% 5.4% 7.3% 11.5% Details M 800-527-2020
Janus Choice Series A M 0.6% (11.8%) 0.4% 5.3% 8.3% 9.8% 13.8% Details ? Closed
T Rowe Price Series D M 1.9% (16.5%) (0.0%) 5.2% 8.1% 11.0% 15.5% Details E 855-389-9474
Vanguard Choice Series B M 0.7% (14.4%) 3.3% 5.8% 8.3% 10.0% 12.1% Details E 800-523-9442
Accenture—Unrestricted M (0.7%) (12.5%) 1.9% 5.0% 7.9% 9.3% 0.0% Details M
ETF Investments (e.g., IRA, non-retirement)
E*TRADE ETF Choice Series B E 0.2% (11.6%) 3.2% 5.7% 8.8% 9.5% 10.8% Details M 800-387-2331
Fidelity ETF Series A E 0.7% (11.5%) 0.1% 4.4% 7.1% 8.7% 11.9% Details M 800-343-3548
Schwab ETF Choice Series A E 1.3% (13.0%) 1.5% 3.6% 6.1% 7.6% 11.5% Details M 866-855-9102
TD Ameritrade ETF Series A E (1.4%) (7.7%) 4.9% 7.2% 9.5% 9.7% 12.9% Details M 800-454-9272
Vanguard ETF Choice Series A E 2.2% (13.2%) 0.8% 5.0% 7.9% 9.0% 11.7% Details M 800-523-9442
Accenture—Unrestricted E (0.7%) (12.5%) 1.9% 5.0% 7.9% 9.3% 0.0% Details M 866-855-9102
 
* The performance data given represents past performance and should not be considered indicative of future results.   
Notes
[1] M = Mutual fund family, E = ETF Provider/Brokerage, P = Employer Sponsored Retirement Plan
[2] Shaded cells represent ABOVE AVERAGE performance for indicated period
[3] All inception dates are 1/1/1997, except IBM (1/1/2004), E*TRADE, Schwab and Ameritrade ETF Series (1/1/2003)    
[4] Estimate of time required to do a reallocation: E = Less than 10 minutes, M = Less than 30 minutes, H = Less than 60 minutes, NA = Handled by a third party
[5] Fidelity Freedom Funds Used for comparison. "Best" chosen to be the fund with the highest annual performance in the year prior to the start of the period.