Sept 2014 ARP Comparison Guide

Fidelity Investments
CUSTOMER SERVICE
Phone Number(s)
SERVICES
Web-based
Voice Response System
Contact Information for Campus
Representative:
A.M. Best Co.
Fitch
Standard & Poor's
Moody's Investor Service
TIAA-CREF
VALIC
1-800-343-0860
1-800-842-2776
1-800-448-2542
www.fidelity.com/atwork
1-800-343-0860
https://nbacctopen.fidelity.com/
Use Plan ID 08177 to enroll
Visit Fidelity's Online Reservation System at
www.fidelity.com/atwork/reservations to locate
your campus and schedule an appointment, or call
1-800-642-7131
www.tiaa-cref.org/passhe
1-800-842-2252
http://www.valic.com/passhe
1-800-448-2542
1-800-248-2542 (for the hearing impaired)
Visit TIAA-CREF's Web Center at www.tiaaCall 1-800-448-2542, visit VALIC's page on the
cref.org/events, locate your campus, and reserve PASSHE website, or request a personal meeting
an appointment online. Call for appointments at 1- with a VALIC financial advisor at your convenience.
800-732-8353. TIAA-CREF's plan portal for
PASSHE is at www.tiaa-cref.org/passhe
COMPANY FINANCIAL CONDITION (RATING)
A++ (Superior)
A
As a privately-held company, we do not share
AAA (Exceptionally Strong)
A+
information with A.M. Best or Fitch.
AA-/Stable/A-1+
AA+ (Very Strong)
A+
A1
Aaa (Exceptional)
A2
INVESTMENT CHOICES BY ASSET CLASSES (TOTAL EXPENSES' BY FUND ARE LISTED IN PARENTHSIS BESIDE EACH ACCOUNT)
Note: Fees are subject to future changes. Continue to monitor your fund expenses and this comparison chart which will provide fee updates.
2014
Guaranteed
N/A
TIAA Traditional Annuity
Minimum Guaranteed Rate is 3%
2014
2014
American Century Premium Money
(.41%) Market
(0.46%)
(0.56%) VALIC Fixed-Interest
Money Market
Fidelity Retirement Money Market
(0.42%) CREF Money Market Annuity
Fixed Income - Bonds
Fidelity® Total Bond Fund
(0.45%) CREF Bond Market Annuity
(0.45%) Intermediate Term Bond
Vanguard Inflation-Protected Securities
Fund Admiral Shares
(0.10%) CREF Inflation-Linked Bond Annuity
(0.45%) TCW Core Fixed-Income
T-C Short Term Bond - Premier Fund
Expense
(0.44%)
Treasury Inflation Protected
(0.43%) Securities
Am Cent Inflation Adjusted Bond Inv
World Bond
(0.47%)
Dreyfus International Bond
(0.74%)
Fidelity Investments
Balanced
Equity - Stocks
Fidelity Balanced Fund
TIAA-CREF
VALIC
(0.57%) CREF Social Choice Annuity
(0.45%) Franklin Income A
(0.62%)
(0.49%) International Equity Fund
(0.66%) Am funds EuroPacific Growth R4
(0.98%) Oppenheimer Developing Markets Y
Vanguard Emerging Markets Stock
(1.01%) Index
(0.15%)
T. Rowe Price Small-Cap Value Fund
(0.81%) Small-Cap Equity Fund
(0.59%) Dreyfus Small Cap Stock Index
(0.50%)
Small Cap Value
Allianz NFJ Small-Cap Value Fund Institutional Class
(0.77%)
(0.80%) JP Morgan Small Cap Growth A
(1.25%)
Dreyfus Midcap Index
(0.50%)
International
American Funds® Capital World Growth
and Income Fund® - Class R5
Fidelity International Discovery Fund
(.84%)
Small Cap Blend
Small Cap Growth
Vanguard Small-Cap Growth Index
Fund Admiral Shares
(0.09%) T. Rowe Price New Horizons Fund
Mid Cap Blend
Vanguard Mid-Cap Index Fund Admiral
Shares
(0.09%)
Mid Cap Value
Vanguard Mid-Cap Value Index Fund
Admiral Shares
(0.09%) Mid-Cap Value Fund
(0.60%) Artisan Mid Cap Value
(1.20%)
Mid Cap Growth
Morgan Stanley Institutional Fund Trust:
Mid Cap Growth Portfolio - Class I
Shares
(0.70%) Mid-Cap Growth Fund
(0.62%) Prudential Jennison Mid Cap Growth A (1.07%)
Large Cap Blend
Spartan® 500 Index Fund Advantage
(0.05%) CREF Stock Annuity
(0.48%) JP Morgan Equity Index A
(0.45%)
CREF Global Equities Annuity
CREF Equity Index Annuity
(0.52%) American Funds Fundamental Invs R3
(0.42%)
(0.96%)
Growth & Income Fund
(0.60%)
S&P 500 Index Fund
(0.06%)
Fidelity Investments
TIAA-CREF
Social Choice Equity Fund
Large Cap Value
Allianz NFJ Dividend Value Fund Institutional Class
Large Cap Growth
T. Rowe Price Blue Chip Growth Fund
Real Estate
Lifecycle
VALIC
(0.33%)
(0.70%) Large Cap Value Fund
(0.60%) Allianz NFJ Div Val R
(0.74%) CREF Growth Annuity
T. Rowe Price Institutional Large Cap
Growth
(0.46%) American Funds AMCAP R4
Cohen & Steers Realty Shares Cohen & Steers Institutional Realty
(0.75%) Shares
Institutional Class
T-C Lifecycle 2010 Fund - Premier
Vanguard Target Retirement Date Funds (11 funds ranging from 0.16% - 0.18%)
T-C Lifecycle 2020 Fund - Premier
T-C Lifecycle 2030 Fund - Premier
T-C Lifecycle 2040 Fund - Premier
T-C Lifecycle 2050 Fund - Premier
(1.30%)
(.72%)
(0.56%)
(0.75%) Virtus Real Estate Securities A
(1.40%)
(0.54%) Risk-Based
(0.56%) Am Cent Strat Alc:Agg Inv
(1.20%)
(0.59%) Am Cent Strat Alc: Mod Inv
(0.61%) Am Cent Strat Alc: Con Inv
(0.61%) Target-Year
(1.06%)
(1.00%)
T-C Lifecycle Retirement Income Fund Premier
(0.53%) T. Rowe Price Rtmt 2010 R
T. Rowe Price Rtmt 2020 R
T. Rowe Price Rtmt 2030 R
(.84%)
(.92%)
(.98%)
T. Rowe Price Rtmt 2040 R
T. Rowe Price Rtmt 2050 R
T. Rowe Price Rtmt Inc Adv
(1.01%)
(1.01%)
(.82%)
TRANSFERRING FUNDS WITHIN COMPANY'S INVESTMENT OPTIONS OR AMONG INVESTMENT COMPANIES WHILE EMPLOYED
Transferring funds (within a single company's
Under RAs & GRAs (ARP):
From Fixed Account: Limited to 20% per year.
investment options or between investment
From TIAA Traditional:
companies): Restrictions and charges
$10,000 minimum or entire account, if less,
Unlimited transfers within fund options available made over a 9-year period. If less than $2,000
(other restrictions may apply, see
through the Fidelity Investments Alternative
entire amount may transfer. No withdrawal or
From Variable: None
prospectuses for details)
Retirement Plan.
surrender charges.
From Variable: None
There is no charge for the service.
SURRENDER OR WITHDRAWAL UPON RETIREMENT OR SEVERANCE FROM EMPLOYMENT
Fidelity Investments
Restrictions and charges
TIAA-CREF
No surrender or withdrawal charges apply upon
retirement or severance from employment. There
is a $25 fee for Minimum Required Distribution's
(MRD's).
(other restrictions may apply, see
prospectuses for details)
From Fixed Account: None
There are no charges for withdrawals or
surrenders from any accounts under the RA.
For the GRA there are no charges for withdrawals
from the TIAA Real Estate or CREF accounts in
any form. For lump-sum withdrawals from TIAA
From Variable: None
Traditional there is a 2.5% surrender charge.
There is no charge for withdrawals from TIAA
Traditional in any form other than lump sum.
INCOME OPTIONS
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Cash Withdrawals
Systematic Withdrawals
Interest-only Payments
Minimum Distribution
Fixed-period Payments
Single Life Annuity
Joint Survivor Annuities
Yes
Yes
No
Yes
Yes
Yes
Yes
Guaranteed Periods
Yes
Yes: 0-, 10-, 15-, or 20-year terms
Yes
TIAA Real Estate and the CREF accounts are
available as variable annuity income. Transfers
during the annuity period are permitted, subject to
limitation.
Fixed and Variable Income
Available:
Fees:
•Initiation
•Annual Maintenance
Yes
$50
$25 ($6.25 deducted quarterly)
VALIC
Yes
Yes
Yes: fixed interest only option.
Yes
Yes
Yes
Yes
Yes: guaranteed period of 5, 10, 15, or
20 years
Yes
LOAN PROVISIONS
Yes
Yes
None
None
$50
$30
11/11/2014

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