HORIZON™ Back-Tested Plan True Investment Average Annual Return (AAR)*
Through 9/18/2023
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%) - 4.1% (5.1%) 5.4% 5.6% 7.3% 7.4% 6.2% - -
Vanguard Balanced Index (60%/40%) - 5.7% (5.0%) 5.1% 6.3% 7.6% 8.0% 7.1% - -
Vanguard Wellesley Income (40%/60%) - (1.5%) (4.1%) 2.3% 3.6% 5.0% 5.3% 6.7% - -
Fidelity Freedom® 2040 - 5.3% (4.7%) 6.4% 6.7% 8.7% 8.3% 5.2% - -
Fidelity Freedom® 2020 - 1.6% (6.1%) 2.8% 3.6% 5.3% 5.3% 6.0% - -
HORIZON™ Average - 3.2% (6.0%) 2.6% 5.3% 7.9% 9.3% 12.2% Details -
Employer Retirement Plans (e.g., 401(k), 403(b))
Accenture—All Funds P 4.9% (6.1%) 1.8% 5.3% 8.1% 9.6% 11.7% Details E  
Accenture—Unrestricted P 2.9% (6.9%) 1.2% 4.4% 7.5% 8.6% 12.1% Details E
ADP P 3.5% (5.5%) 2.9% 6.4% 8.6% 10.5% 10.4% Details E
Aon Corporation P 3.8% (3.4%) 2.5% 4.2% 7.4% 9.3% 12.1% Details E
Bank of America P 6.1% (2.3%) 2.9% 5.6% 7.7% 9.4% 9.4% Details E
Baylor College of Medicine P 3.8% (8.1%) 2.1% 4.6% 7.1% 8.7% 13.1% Details E
CCH P 4.4% (7.4%) 1.7% 3.9% 6.8% 8.0% 10.6% Details E
Centier Bank 401(k) Plan P 3.2% (4.6%) 0.6% 3.1% 6.0% 7.5% 11.8% Details E
Chicago Deferred Compensation Plan P 4.0% (7.8%) 2.3% 4.5% 7.2% 9.2% 10.8% Details E
Coca-Cola P 0.2% (10.8%) (1.2%) 2.0% 4.8% 7.1% 10.6% Details E
Coca-Cola Bottlers Assn P 2.2% (6.1%) 3.2% 5.9% 8.7% 9.9% 13.4% Details E
Dell Technologies P (0.1%) (9.1%) 0.5% 2.5% 5.2% 7.0% 10.6% Details E
Equitable Series A P 2.8% (5.1%) 1.9% 4.4% 7.4% 8.5% 13.3% Details E
Ernst & Young P 7.3% (3.7%) 5.8% 8.5% 11.3% 12.2% 13.3% Details E
FedEx Corporation P 2.6% (7.6%) 1.7% 3.9% 6.8% 8.7% 10.5% Details E
Genentech P 1.9% (7.7%) 2.8% 6.0% 8.3% 9.0% 10.7% Details E
Halock Security Labs P 1.8% (5.1%) 2.8% 5.1% 7.5% 9.7% 11.4% Details E
Hill-Rom  P 1.6% (4.9%) 1.6% 3.9% 7.0% 8.1% 12.7% Details E
IBM Corp. P 3.8% (11.9%) (0.4%) 2.6% 5.0% 7.0% 7.2% Details E
Insperity P 4.7% (5.0%) 1.6% 3.9% 6.9% 8.4% 10.7% Details E
Jones Lang LaSalle P 5.8% (3.4%) 6.5% 8.1% 10.3% 10.9% 13.4% Details E
KPMG P 0.4% (12.7%) (1.3%) 2.2% 4.7% 6.3% 13.0% Details E
Kronos P 3.8% (5.0%) 1.5% 4.3% 7.3% 8.3% 11.4% Details E
Ladenburg Savings Plan P 2.7% (6.6%) 0.8% 3.9% 6.7% 8.5% 10.7% Details E
MarkLogic P 1.1% 3.4% 6.7% 8.5% 10.5% 10.6% 12.6% Details E
McKesson Corporation P 3.7% (4.6%) 5.2% 7.0% 9.5% 10.7% 10.8% Details E
Mead Johnson P 2.9% (3.7%) 7.1% 7.5% 9.2% 9.6% 10.4% Details E
Merck & Co., Inc. P 2.4% (8.3%) 1.3% 3.6% 6.4% 8.0% 9.6% Details E
Michigan ORS Plan P 4.2% (2.1%) 4.1% 5.4% 8.0% 9.1% 11.3% Details E
Microsoft P 4.6% (10.0%) 3.5% 5.6% 8.5% 9.9% 11.9% Details E
National Express P 5.3% (12.6%) (2.3%) 1.9% 5.0% 7.1% 11.5% Details E
NetApp P 3.9% (7.9%) 2.1% 5.1% 8.2% 10.0% 11.2% Details E
Oracle Corporation P 4.4% (5.5%) 4.2% 6.9% 9.4% 10.1% 11.5% Details E
PayPal P 4.8% (3.4%) 3.0% 5.6% 8.5% 10.2% 10.6% Details E
Simple Truth P 1.2% (3.5%) 3.4% 6.0% 8.5% 9.0% 11.5% Details E
Sirius Computer Solutions, Inc. P 2.9% (8.3%) 2.1% 4.4% 6.6% 8.0% 9.9% Details E
St. of Connecticut P 5.2% (7.2%) 1.0% 4.6% 7.0% 7.7% 9.0% Details E
The Travelers Companies, Inc. P 1.9% (6.9%) 2.2% 4.4% 7.3% 8.5% 10.8% Details E
TIAA M 4.3% (8.4%) 0.2% 4.0% 6.8% 8.2% 7.5% Details E 800-842-2252
TIAA--Illinois RSP M 9.5% 4.6% 9.6% 9.0% 10.3% 10.6% 10.1% Details E 800-842-2252
Underwriters Laboratories P 3.3% (3.0%) 6.5% 7.8% 9.5% 10.5% 13.0% Details E
United Health Care Group P (0.1%) (10.9%) (0.1%) 2.3% 5.2% 7.1% 10.5% Details E
US Foods P 2.4% (8.9%) (0.2%) 1.9% 4.1% 6.4% 11.0% Details E
VMWare P 4.0% (6.5%) 2.1% 4.7% 7.0% 8.2% 10.7% Details E
Voya--Illinois RSP  P 2.0% (5.6%) 2.9% 5.8% 7.2% 8.3% 10.4% Details E
Wells Fargo & Company P 5.3% (11.0%) 0.9% 4.1% 7.4% 9.2% 11.7% Details E
Accenture—Unrestricted P 2.9% (6.9%) 1.2% 4.4% 7.5% 8.6% 12.1% Details E
Accenture—Unrestricted P 2.9% (6.9%) 1.2% 4.4% 7.5% 8.6% 12.1% Details E
Accenture—Unrestricted P 2.9% (6.9%) 1.2% 4.4% 7.5% 8.6% 12.1% Details E
Accenture—Unrestricted P 2.9% (6.9%) 1.2% 4.4% 7.5% 8.6% 12.1% Details E
Accenture—Unrestricted P 2.9% (8.3%) 1.7% 4.6% 7.4% 8.8% 0.0% Details E
Accenture—Unrestricted P 2.9% (6.9%) 1.2% 4.4% 7.5% 8.6% 12.1% Details E
Accenture—Unrestricted P 2.9% (6.9%) 1.2% 4.4% 7.5% 8.6% 12.1% Details E
Accenture—Unrestricted P 2.9% (6.9%) 1.2% 4.4% 7.5% 8.6% 12.1% Details E
Accenture—Unrestricted P 2.1% (8.3%) 1.7% 4.6% 7.4% 8.8% 9.5% Details E
Accenture—Unrestricted P 2.9% (6.9%) 1.2% 4.4% 7.5% 8.6% 12.1% Details E
Mutual Fund Investments (e.g., IRA, non-retirement)
American Funds M 3.3% (4.1%) 1.8% 4.0% 6.9% 8.7% 10.9% Details E 800-421-9923
Fidelity Choice Series A M 5.7% (4.3%) 5.5% 6.5% 8.4% 10.1% 9.7% Details E-M 800-343-3548
Fidelity Choice Series S1 M 1.3% (8.6%) 3.3% 3.8% 6.4% 9.1% 12.8% Details E-M 800-343-3548
Franklin Templeton Series 2 M (1.4%) (12.9%) (1.2%) 2.8% 4.9% 6.8% 11.1% Details M 800-527-2020
Janus Choice Series A M 2.3% (7.2%) 0.7% 5.1% 7.9% 9.4% 13.6% Details ? Closed
T Rowe Price Series D M 9.3% (7.7%) 1.9% 5.9% 8.5% 11.1% 15.4% Details E 855-389-9474
Vanguard Choice Series B M (0.9%) (10.7%) 2.3% 4.9% 7.4% 9.2% 11.8% Details E 800-523-9442
Accenture—Unrestricted M 2.9% (8.3%) 1.7% 4.6% 7.4% 8.8% 0.0% Details M
ETF Investments (e.g., IRA, non-retirement)
E*TRADE ETF Choice Series B E 2.2% (6.8%) 3.3% 5.5% 8.4% 9.2% 10.6% Details M 800-387-2331
Fidelity ETF Series A E 0.1% (8.1%) (0.1%) 3.9% 6.5% 8.1% 11.6% Details M 800-343-3548
Merrill ETF Series A P 2.1% (8.3%) 1.7% 4.6% 7.4% 8.8% 9.5% Details E
Schwab ETF Choice Series A E 2.3% (8.3%) 1.6% 3.4% 5.8% 7.3% 11.2% Details M 866-855-9102
Schwab ETF Choice Series T E 1.3% (3.7%) 4.9% 6.9% 9.2% 9.4% 12.7% Details M 800-454-9272
Vanguard ETF Choice Series A E 0.8% (9.7%) 0.3% 4.3% 7.1% 8.4% 11.4% Details M 800-523-9442
Accenture—Unrestricted E 2.9% (8.3%) 1.7% 4.6% 7.4% 8.8% 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.