Aurora Public Schools Corebridge vs. PERA 401k/457b

	A	B	C	E	F	G	H	I	J	K
1	Target Date Fund	PERA 401k PERAdvantage 2065 Fund	Aurora Corebridge Vanguard Target 2060 Fund	Yearly Addition	End of Year	PERA 401k	Corebridge 403b	Difference	% Difference	Notes

2	Investment Expense Ratio	0.07%	0.08%	$6,000	1	$6,000	$6,000	$0	0.00%	*1: For simplicity, assumes no growth of the monthly investments in the calendar year they are made, and no fees in the first year.
3	Administrative Fee (annual, fixed)	$12	$0	$6,000	2	$12,402	$12,392	$10	0.08%
4	Administrative Fee (percentage)	0.03%	0.39%	$6,000	3	$19,246	$19,201	$45	0.23%
5				$6,000	4	$26,562	$26,455	$107	0.40%
6	Assumed Rate of Return	7%	*1	$6,000	5	$34,382	$34,182	$200	0.59%	*2: Can manually change the yearly contributions in column E if you'd like.
7	Monthly Contribution	$500	*2	$6,000	6	$42,743	$42,414	$328	0.77%
8	Starting Balance	$0		$6,000	7	$51,680	$51,184	$496	0.97%
9				$6,000	8	$61,234	$60,526	$708	1.17%
10	Additional Miscellaneous Fees (per transaction); Not Included in Totals to the Right			$6,000	9	$71,447	$70,479	$968	1.37%
11		PERA 401k	Corebridge 403b	$6,000	10	$82,365	$81,081	$1,284	1.58%
12	Separation from Service and Retirement Withdrawal	$0	?	$6,000	11	$94,036	$92,376	$1,661	1.80%
13	In Service Distributions, including Age 59 1/2	$0	?	$6,000	12	$106,513	$104,408	$2,105	2.02%
14	Hardship Distribution	$0	?	$6,000	13	$119,850	$117,226	$2,625	2.24%
15	Mandatory Distributions (Generally accounts < $5000)	$0	?	$6,000	14	$134,108	$130,880	$3,227	2.47%
16	Expedited Delivery Fee	$0	?	$6,000	15	$149,349	$145,427	$3,922	2.70%
17	ACH Special Handling Charge	$0	?	$6,000	16	$165,642	$160,923	$4,719	2.93%
18	EXPRESS Special Handling Charge	$0	?	$6,000	17	$183,060	$177,432	$5,628	3.17%
19	WIRE Special Handling Charge	$0	?	$6,000	18	$201,679	$195,018	$6,661	3.42%
20				$6,000	19	$221,583	$213,753	$7,830	3.66%
21				$6,000	20	$242,860	$233,711	$9,149	3.91%
22				$6,000	21	$265,605	$254,972	$10,633	4.17%
23				$6,000	22	$289,920	$277,622	$12,298	4.43%
24				$6,000	23	$315,912	$301,750	$14,162	4.69%
25				$6,000	24	$343,698	$327,454	$16,244	4.96%
26				$6,000	25	$373,401	$354,837	$18,564	5.23%
27				$6,000	26	$405,154	$384,008	$21,146	5.51%
28				$6,000	27	$439,098	$415,084	$24,014	5.79%
29				$6,000	28	$475,383	$448,189	$27,195	6.07%
30				$6,000	29	$514,173	$483,456	$30,717	6.35%
31				$6,000	30	$555,639	$521,025	$34,614	6.64%
32				$6,000	31	$599,966	$561,048	$38,918	6.94%
33				$6,000	32	$647,352	$603,685	$43,667	7.23%
34				$6,000	33	$698,007	$649,105	$48,902	7.53%
35				$6,000	34	$752,157	$697,492	$54,666	7.84%
36				$6,000	35	$810,044	$749,038	$61,006	8.14%
37				$6,000	36	$871,925	$803,950	$67,975	8.46%
38				$6,000	37	$938,076	$862,448	$75,628	8.77%
39				$6,000	38	$1,008,791	$924,766	$84,025	9.09%
40				$6,000	39	$1,084,386	$991,153	$93,233	9.41%
41				$6,000	40	$1,165,197	$1,061,876	$103,321	9.73%
42				$6,000	41	$1,251,583	$1,137,216	$114,367	10.06%
43				$6,000	42	$1,343,930	$1,217,476	$126,454	10.39%
44				$6,000	43	$1,442,649	$1,302,977	$139,672	10.72%
45				$6,000	44	$1,548,180	$1,394,062	$154,118	11.06%
46				$6,000	45	$1,660,993	$1,491,094	$169,899	11.39%
47				$6,000	46	$1,781,589	$1,594,462	$187,127	11.74%
48				$6,000	47	$1,910,507	$1,704,581	$205,926	12.08%
49				$6,000	48	$2,048,320	$1,821,890	$226,430	12.43%
50				$6,000	49	$2,195,642	$1,946,859	$248,783	12.78%
51				$6,000	50	$2,353,129	$2,079,989	$273,140	13.13%
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