HORIZON™ Back-Tested Plan True Investment Average Annual Return (AAR)* Through 9/13/2021
Plan Name (Click to see investment choices)	Plan Type[1]	1/8/21 (YTD)	12/20/19 (1-YR+)	12/15/17 (3-YR+)	12/11/15 (5-YR+)	1/10/14 (7-YR+)	12/17/10 (10-YR+)	Since Inception[3]	Plan Performance History	Level of Effort[4]	Fund/Brokerage Contact #
Benchmark Investments (Balanced Funds, Best Target Date Fund)
Best Target Date Fund (TDF) [5]	-	11.2%	19.6%	12.7%	10.2%	7.7%	4.6%	7.0%	-	-
S&P 500 Index (100% Stock/0% Bond)	-	17.6%	22.6%	16.6%	16.9%	0.0%	14.8%	9.4%	-	-
Fidelity Asset Manager (70%/30%)	-	10.0%	17.4%	11.1%	11.5%	9.0%	9.3%	7.0%	-	-
Vanguard Balanced Index (60%/40%)	-	9.1%	15.6%	11.7%	11.6%	9.9%	10.2%	8.0%	-	-
Fidelity Balanced (60%/40%)	-	11.3%	21.1%	14.5%	13.6%	11.4%	11.4%	9.6%	-	-
Vanguard Wellesley Income (40%/60%)	-	6.9%	8.9%	7.3%	8.0%	7.1%	7.9%	7.5%	-	-
Dreyfus Bond Market Index (0%/100%)	-	(0.2%)	3.8%	3.9%	3.4%	0.0%	3.3%	4.8%	-	-
Fidelity Freedom® 2040	-	11.2%	19.6%	12.7%	13.4%	10.2%	10.2%	5.2%	-	-
Fidelity Freedom® 2020	-	6.6%	13.0%	8.7%	9.3%	7.2%	7.4%	7.0%	-	-
HORIZON™ Average	-	11.2%	12.0%	11.1%	12.7%	10.3%	10.4%	13.7%	Details	-
Employer Retirement Plans (e.g., 401(k), 403(b))
Accenture—All Funds	P	11.6%	10.1%	11.1%	13.1%	10.5%	10.2%	13.1%	Details	E
Accenture—Unrestricted	P	12.3%	8.3%	9.5%	12.1%	9.5%	9.5%	13.5%	Details	E
ADP	P	14.2%	12.6%	12.9%	13.7%	11.7%	11.7%	11.8%	Details	E
Aon Corporation	P	11.2%	8.3%	7.9%	11.0%	9.2%	10.0%	13.4%	Details	E
Bank of America	P	10.7%	9.5%	10.2%	11.5%	9.4%	9.5%	10.4%	Details	E
Baylor College of Medicine	P	11.4%	13.7%	11.2%	12.4%	10.2%	10.4%	14.9%	Details	E
CCH	P	13.1%	10.3%	9.1%	11.4%	7.9%	8.7%	12.0%	Details	E
Centier Bank 401(k) Plan	P	7.9%	5.8%	6.9%	9.6%	7.9%	7.6%	13.1%	Details	E
Chicago Deferred Compensation Plan	P	12.2%	12.4%	10.3%	12.1%	9.9%	10.2%	12.3%	Details	E
Coca-Cola	P	11.6%	8.8%	8.5%	10.2%	8.6%	7.6%	12.4%	Details	E
Coca-Cola Bottlers Assn	P	11.8%	13.6%	12.3%	13.9%	11.0%	10.7%	15.0%	Details	E
Dell Technologies	P	10.8%	9.2%	7.6%	9.7%	7.8%	8.4%	12.2%	Details	E
Equitable Series A	P	7.4%	9.2%	9.3%	11.7%	9.3%	9.9%	14.8%	Details	E
Ernst & Young	P	13.0%	17.0%	15.1%	16.8%	13.4%	13.1%	14.8%	Details	E
FedEx Corporation	P	9.7%	10.0%	9.0%	11.2%	9.4%	10.0%	11.8%	Details	E
Genentech	P	7.4%	13.0%	12.5%	13.4%	10.3%	10.2%	12.1%	Details	E
Halock Security Labs	P	11.0%	10.2%	9.8%	11.4%	10.1%	10.4%	12.7%	Details	E
Hill-Rom	P	10.0%	8.3%	8.3%	11.0%	8.7%	8.9%	14.1%	Details	E
IBM Corp.	P	11.8%	10.9%	9.5%	10.4%	8.6%	8.4%	9.2%	Details	E
Insperity	P	10.5%	6.9%	7.7%	10.4%	8.4%	9.2%	11.8%	Details	E
Jones Lang LaSalle	P	12.7%	22.4%	16.2%	16.4%	12.1%	12.4%	15.0%	Details	E
KPMG	P	12.3%	9.4%	9.2%	10.2%	7.5%	8.3%	15.1%	Details	E
Kronos	P	12.8%	7.0%	8.5%	11.1%	8.8%	8.9%	12.7%	Details	E
Ladenburg Savings Plan	P	10.3%	7.4%	8.7%	10.9%	8.9%	9.5%	12.0%	Details	E
McKesson Corporation	P	14.4%	14.2%	12.1%	13.7%	11.2%	10.9%	11.9%	Details	E
Mead Johnson	P	11.9%	18.5%	13.0%	13.3%	9.8%	9.5%	11.5%	Details	E
Michigan ORS Plan	P	10.2%	11.7%	9.6%	11.7%	8.9%	9.5%	12.5%	Details	E
Microsoft	P	11.0%	19.7%	14.1%	15.2%	12.2%	11.9%	13.8%	Details	E
National Express	P	11.2%	7.6%	8.9%	10.8%	8.5%	9.5%	13.5%	Details	E
NetApp	P	11.4%	10.7%	10.9%	13.2%	10.9%	11.3%	12.6%	Details	E
Oracle Corporation	P	13.4%	16.2%	14.0%	15.0%	11.9%	9.6%	13.0%	Details	E
PayPal	P	10.3%	9.2%	9.9%	12.4%	10.3%	10.6%	11.6%	Details	E
Simple Truth	P	9.8%	10.6%	10.8%	12.7%	9.1%	9.2%	12.8%	Details	E
Sirius Computer Solutions, Inc.	P	9.2%	11.3%	10.0%	11.1%	8.6%	8.6%	11.3%	Details	E
St. of Connecticut	P	12.6%	8.3%	10.0%	11.4%	8.3%	8.7%	10.2%	Details	E
The Travelers Companies, Inc.	P	13.2%	13.4%	10.9%	12.6%	9.7%	9.4%	12.4%	Details	E
TIAA	M	10.9%	7.6%	9.6%	11.5%	9.0%	9.2%	8.7%	Details	E	800-842-2252
TIAA--Illinois RSP	M	14.2%	13.9%	10.6%	11.8%	9.9%	9.8%	10.5%	Details	E	800-842-2252
Underwriters Laboratories	P	13.8%	16.6%	13.0%	13.6%	10.6%	11.4%	14.2%	Details	E
United Health Care Group	P	10.7%	9.8%	8.3%	10.3%	8.3%	8.2%	12.1%	Details	E
US Foods	P	7.8%	8.8%	7.1%	8.4%	6.6%	7.5%	12.7%	Details	E
VMWare	P	11.7%	10.8%	10.2%	11.5%	8.6%	9.2%	12.0%	Details	E
Voya--Illinois RSP	P	5.0%	10.1%	10.9%	11.0%	8.8%	9.4%	11.6%	Details	E
Wells Fargo & Company	P	11.2%	15.4%	12.7%	14.3%	11.9%	11.0%	13.7%	Details	E
Accenture—Unrestricted	P	12.3%	8.3%	9.5%	12.1%	9.5%	9.5%	13.5%	Details	E
Accenture—Unrestricted	P	12.3%	8.3%	9.5%	12.1%	9.5%	9.5%	13.5%	Details	E
Accenture—Unrestricted	P	12.3%	8.3%	9.5%	12.1%	9.5%	9.5%	13.5%	Details	E
Accenture—Unrestricted	P	12.3%	8.3%	9.5%	12.1%	9.5%	9.5%	13.5%	Details	E
Accenture—Unrestricted	P	12.3%	8.3%	9.5%	12.1%	9.5%	9.5%	13.5%	Details	E
Accenture—Unrestricted	P	12.3%	8.3%	9.5%	12.1%	9.5%	9.5%	13.5%	Details	E
Accenture—Unrestricted	P	12.3%	8.3%	9.5%	12.1%	9.5%	9.5%	13.5%	Details	E
Accenture—Unrestricted	P	12.3%	8.3%	9.5%	12.1%	9.5%	9.5%	13.5%	Details	E
Accenture—Unrestricted	P	12.3%	8.3%	9.5%	12.1%	9.5%	9.5%	13.5%	Details	E
Accenture—Unrestricted	P	12.3%	8.3%	9.5%	12.1%	9.5%	9.5%	13.5%	Details	E
Accenture—Unrestricted	P	12.3%	8.3%	9.5%	12.1%	9.5%	9.5%	13.5%	Details	E
Mutual Fund Investments (e.g., IRA, non-retirement)
American Funds	M	11.2%	6.0%	7.2%	10.1%	8.6%	9.3%	12.0%	Details	E	800-421-9923
Fidelity Choice Series A	M	13.8%	15.5%	11.6%	12.5%	10.5%	10.4%	10.7%	Details	E-M	800-343-3548
Fidelity Choice Series S1	M	11.8%	15.5%	9.6%	11.2%	10.1%	11.2%	14.5%	Details	E-M	800-343-3548
Franklin Templeton Series 2	M	6.3%	9.4%	10.1%	10.4%	7.7%	8.7%	13.0%	Details	M	800-527-2020
Janus Choice Series A	M	10.7%	7.8%	10.9%	12.8%	10.5%	10.2%	15.2%	Details	?	Closed
T Rowe Price Series D	M	11.8%	12.3%	13.1%	14.2%	12.6%	13.1%	17.4%	Details	E	855-389-9474
Vanguard Choice Series B	M	6.8%	16.7%	12.9%	13.6%	10.9%	11.4%	13.6%	Details	E	800-523-9442
Accenture—Unrestricted	M	12.3%	8.3%	9.5%	12.1%	9.5%	9.5%	13.5%	Details	M
ETF Investments (e.g., IRA, non-retirement)
E*TRADE ETF Choice Series B	E	10.5%	13.7%	11.6%	13.6%	10.1%	9.4%	12.4%	Details	M	800-387-2331
Fidelity ETF Series A	E	9.8%	8.5%	10.2%	11.6%	9.2%	9.9%	13.3%	Details	M	800-343-3548
Schwab ETF Choice Series A	E	11.5%	9.8%	8.3%	9.9%	7.5%	8.4%	12.7%	Details	M	866-855-9102
TD Ameritrade ETF Series A	E	11.1%	12.6%	11.7%	13.1%	9.4%	9.6%	14.3%	Details	M	800-454-9272
Vanguard ETF Choice Series A	E	11.3%	11.7%	11.9%	13.1%	10.0%	10.7%	13.2%	Details	M	800-523-9442
Accenture—Unrestricted	E	12.3%	8.3%	9.5%	12.1%	9.5%	9.5%	13.5%	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.