SEMCO Energy

Location	Port Huron, MI)
Asset Size	>$100MM – $200MM
Number of Participants	500 – 999 Participants
Business	Oil & Gas/Energy
Participation rate	88%
Avg. deferral rate	9.5%
No. of funds offered	14
Investment Review	Quarterly
True-up feature	Yes
Match Vesting Period	Immediate
Eligibility	Immediate
Default deferral rate	5%
Default investment	Retail TDF (active)
Auto-escalation	Opt-in
Systematic withdrawals	Yes
Fee equalization	Yes
Match Rate	80% match of first 5% of salary
% receiving full match	>75%
Max Employer Contribution	8.0%

Financial education:
Saving/budgeting	x
Investing strategies	x
College saving	x
Credit/debt mgt
Tax/estate planning
Retiree health costs/savings options	x

Recordkeeper	T. Rowe Price

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