How to save $20,967,663 for the City of Durham's employees invested in ICMA-RC's 457 retirement plan

If the City of Durham asked ICMA-RC to match Winston Salem and Orlando, Florida's pricing, the City of Durham could save about $347,848 per year for Durham's employees invested in ICMA-RC's 457 plan.

Durham should ask ICMA-RC to match Winston Salem and Orlando's pricing;

Winston Salem's consultant said ICMA's [Stable Value] VT PLUS's base cost, which may be relatively high, is 0.48%.

For Durham's ICMA's VT PLUS [Stable Value] Fund,
which had $2,678,476 as of 2014's first quarter,
should cost no more than 0.11% + 0.48% = 0.59%
instead of 1.12%.

The total cost for Durham's $2,678,476 stable value fund should be at most;
$2,678,476 x 0.59% = $15,803,
instead of $29,999, or about $14,196 less,
meaning employees with money in ICMA's VT PLUS fund
could make another $14,196 more per year.

$25,531,109 total - $2,678,476 Stable Value = $22,852,633 in Equities and Bonds.

By mirroring the rest of Durham's 457 plan assets with the Federal Government's Thrift Savings Plan, designed by federal employees for themselves, the City could dramatically lower costs to employees and increase returns via low cost index funds, whose expense ratios would be even lower if assets held in each fund were larger than $5 million;

Vanguard Intermediate-Term Bond Index Fund
Expense Ratio = 0.10% + 0.11% for Record Keeping = 0.21%

Vanguard Extended Market Index Fund
Expense Ratio = 0.10% + 0.11% = 0.21%

Vanguard FTSE All-World ex-US Index Fund
Expense Ratio = 0.15% + 0.11% = 0.26%

Vanguard 500 Index Fund
Expense Ratio = 0.05% + 0.11% = 0.16%
.
.
The total cost for Durham's $22,852,633 in bond and equity funds could be at most 0.21%,
which is the average of the funds above including Record Keeping fees.

$22,852,633 x 0.21% = $47,991, including Record Keeping fees for equities and bonds.

$47,991 + $15,803 for the Stable Value fund including Record Keeping fees
= $63,794 possible total annual cost

$63,794 / $25,531,109 = 0.25% instead of 1.06%, or the $271,472 currently being paid.

$271,472 - $63,794 = $207,678 in total potential annual savings
for everyone invested in the Durham's ICMA-RC 457 plan.

$207,678 / 461 participants = about $450 more per participant in year one.

In 30 years, another $450 per year per employee compounded at 7%
should earn another $45,483 per participant.

$45,483 x 461 = $20,967,663 potential savings for Durham's employees
invested in ICMA-RC's 457 plan over the next 30 years
compounded at 7% once annually.
.
.
.
.
A $59.18 per participant charge for record keeping for each Winston Salem's was proposed by ICMA-RC, dated November 30, 2011, as Orlando, Florida, which re-negotiated their fees in 2014 appears to be paying about $57.23 per employee as of Q3 2014.
.
.
Per ICMA-RC, the City of Durham had $25,531,109 in its ICMA-RC 457 plan with 461 participants, and is paying $130,646 per year for Record Keeping, as Q2 2014.

461 employees x $59.18 per employee = $27,281

$130,646, what Durham is currently paying,
- $27,281, which is what Winston is for Durham's 461 employees
= $103,365 per year being overcharged to Durham by ICMA-RC for Record Keeping.

$27,281 / $25,531,109  = 0.11% which Durham should be paying for Record Keeping
.
.
Please help retain more money in our state by supporting the reallocating and renegotiation
of Durham's 457 plan's funds and fees.

It's the right thing to do.

North Carolina Senator Phil Berger, President Pro Tempore, may be sexually deviant, explaining his HB2 actions

Considering the long list of incidents at the national level below and the blatant pandering to North Carolina's religious right by Senator Berger, it stands to chance Phil may have some kind of sexuality disorder.

As fixated on Men in Women's or vice versa bathroom, locker and shower homophobia and discrimination to the extent in which Berger engaged, it may make sense the President Pro Tempore suffers from some inner demons, not unlike others who have risen to similar heights of power.

If about 5% of the population is gay, there may be about a 5% Phil Berger is too.

If about 0.5% of the population may be transgender, the same chance or perhaps better exists that Phil Berger has experienced transgender thoughts.

Considering the company of fine upstanding individuals who have deviated from the norm within the political establishment over time, there may be something unknown about Phil Berger's declared sexual identity.

http://www.ncleg.net/gascripts/members/viewMember.pl?sChamber=senate&nUserID=64

David Dreier, Representative (R-CA), voted against a number of gay rights proposals, but was outed concerning his relationship with his chief of staff. (2004)

Larry Craig (R-ID) a US Senator for 18 years, was apprehended and arrested on June 11, 2007, with a charge of lewd conduct in a men's restroom at the International Airport in Minneapolis-St. Paul.

Ed Schrock, Representative (R-VA), announced he would abort his 2004 attempt for a third term in Congress after allegedly being caught on tape soliciting sex from a male prostitute after having aggressively opposed various gay-rights issues in Congress, such as same-sex marriage and gays in the military.

Mark Foley, Representative (R-FL), resigned his House seat when accused of sending sexually explicit e-mails to teenage male congressional pages. He was replaced by Tim Mahoney. (2006)

Eric Massa, U.S. Representative (D-NY), resigned to avoid an ethics investigation into his admitted groping and tickling of multiple male staffers. He later stated on Fox News, "not only did I grope [a staffer], I tickled him until he couldn't breathe," (2010)[112][113]

Robert Bauman, Representative (R-MD), was charged with attempting to solicit sex from a 16-year-old male prostitute.[39] Upon completing an alcoholism rehabilitation program, the charges were dropped. Bauman apologized to voters for his indiscretions but was defeated for re-election.

Jon Hinson Representative (R-MS), resigned after being charged with attempted sodomy for performing oral sex on a male employee of the Library of Congress.

Fred Richmond, Representative (D-NY): Charges that he solicited sex from a 16-year-old boy were dropped after he submitted to counseling.

David I. Walsh, Senator (D-MA), was accused of visiting a male brothel frequented by Nazi spies in Brooklyn

Scott DesJarlais (R-TN), U.S. Representative. In 2012, it was revealed that DesJarlais, a physician at Grandview Medical Center in Jasper, while running on a pro-life platform, made his ex-wife have two abortions, and tried to persuade a mistress who was his patient, into an abortion as well. DesJarlais has admitted under oath to at least six affairs, including two patients and his staffers.

Strom Thurmond, Senator (R-SC), noted segregationist, fathered a child, Essie Mae Washington-Williams, with a 15-year-old African American in 1925 who was employed by the Thurmond family.

Barney Frank, Representative (D-MA), was reprimanded by the House for fixing 33 parking tickets for Steve Gobie, a male escort who lived with Frank and claimed to have conducted an escort service from Frank's apartment without his knowledge.

James Henry Hammond, U.S. Representative and later Senator from SC of the (Nullifier Party),[18] engaged in a homosexual relationship with a college friend, pursued what he called "a little dalliance" with his teenage nieces, and had sexual relationships with female slaves including a girl aged 12.

https://en.wikipedia.org/wiki/List_of_federal_political_sex_scandals_in_the_United_States

Could this be the reason Senator Phil Berger signed off on a law with no criminal penalties?

North Carolina District 59 Republican State Representative Jon Hardister may be transgender/transtesticle

http://www.ncleg.net/gascripts/members/viewMember.pl?sChamber=H&nUserID=645

Representative Jon Hardister appears to have a feminine/effeminate appearance

Jon may be a girl dressed as a guy, and may be in violation of North Carolina law when he uses men's bathrooms, lockers and showers

Hardister may have been a girl who became a guy

Jon may also be a guy who may want to be a boy, who is still a girl 

To be fair, the public needs to see Jon Hardister's genitalia and birth certificate

Affidavits from Jon's parents and significant other should also be forthcoming, as well as from Jon's friends who have seen his junk within the last 12 months

Jon may also be homogeneous 

According to North Carolina state law, if Jon is a girl, he must use the women's facilities at North Carolina's legislature

Call the genitalia police if you see Representative Hardister anywhere near a public restroom

If necessary, prevent Jon from using the men's restroom until this issue has been resolved

If anyone has any knowledge or inkling that Jon physically became a woman after being a man and is using men's restrooms, contact your legislative representative to file a report, as his actions are illegal under state law

If Jon physically became a man after being a woman and is using women's restrooms, ask for proof of biological sex identification at the point of bodily excretion

North Carolina's children are not safe until their parents/grandparents who don't bother taking their own children/grandchildren into public bathrooms know the truth about Jon Hardister and all the other sexually ambiguous looking state legislators actual organs

Here's who has given money to what could be a pretty seriously sicko State Rep;

http://cf.ncsbe.gov/cf_rpt_search_org/cf_report_doc_results.aspx?ID=STA-2JNO5T-C-001&OGID=17017

Seems like these folks have no idea what kind or person Jon Hardister really is

Where is the press? And why does HB2 include no criminal penalties? Was it to prevent Jon from going to jail?