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HomeMy WebLinkAbout2015 Police Pension Fund Minutes & Agendas ELGIN POLICE PENSION FUND 151 Douglas Ave Elgin, IL 60120 MEETING NOTICE January 17, 2015 The ELGIN POLICE PENSION FUND, Board of Trustees will be holding a regular quarterly meeting on Wednesday,January 21, 2015 at 1:30 p.m. The meeting will be held at the Elgin Law Enforcement Facility at 151 Douglas Ave. Elgin,Illinois in the North Lobby Community Room. Agenda: Call to Order: Minutes of the October 15, 2014. fp, Treasurer's Report: a. 4th Quarter 2014 Executive Summary. b. Bill Yocius of Mitchell, Vaught and Taylor (MVT) presentation. Expenses: In pension packet. Deaths: (0). Retirements: (1) Sgt. Dennis Hood #153 retired on October 18, 2014. Disabilities: (2) Pete Almeida filed a Complaint for Administrative Review with the Circuit Court of the 16`h judicial Circuit in Kane County and Judge Ackmann issued his decision. Review Judge's Decision; Appeal the decision or not to appeal; Vote. Officer Lawrence Dickman has filed a disability claim with the Pension Fund. Terminations: (0) Resignations: (1) Officer Christopher J. McMahon #376 will resign on February 1, 2015. Refunds: (1) Christopher J. McMahon has indicated he will be asking for a refund and has been given the paperwork. His refund will be approximately $28,000.00. New Hires: (9) Brad Duffy #404; Neal Fuchs #405; Paul Dublinski #406; Shawn Sproles #407; Nicholas Klinke #408; Ricardo Hernandez #409; Jessica Duehning #410; Jason Highland #411; Michael Fuller#412. All were hired on December 29, 2014. Portability: (0) Military Service Buy Back 40 ILCS 5/3-110(b-5): (1) Elias Acevedo #258 made application to transfer 24 months of military service. He has started to pay the Fund the principle and interest over a 5 year period in the amount $47,446.10. No action required by the Board until the buyback is completed. Miscellaneous: a. The 3% yearly COLA increases for qualified retirees. b. QILDRO Order for Adam Ross. c. Up Dated Pensionable Salaries for those who retired in 2014 after the PB & PA contract and Supervisor's Compensation Package was completed by the City. d. Update on the Lakemoor Illinois dispute over pensions that affect Officer Richard Free. e. Should any Executives Session Meeting Minutes be released? f. 3 Letters between Piotrowski, Lamkin and JP Morgan, Wells Fargo. g. Signature Authorization form for JP Morgan. h. Bahe and Santucci-Brady annual disability exams. i. Investment Committee Meeting Agenda and Minutes of December 11, 2014. j. FOIA Request from Zach Cziryak Financial News. Asst. Secretary Roscher was advised and it was completed. k. FOIA Request from Tanner Peterson from Pitchbook Data Inc. Asst. Secretary Roscher received and it was completed. I. IPPAC Spring Conference May 13-15, 2015. m. Affidavits and Letters to Pensioners/Spouses and Active Members. n. Look into IPads for the Board. o. Miscellaneous correspondences. 1. Kayne Anderson quarterly reports. 2. Lauterbach and Amen monthly reports. Public Comments: Executive Session: Adjournment: Sincerely, (i) Thomas J. uigley� Clerk The Minutes of the Quarterly Meeting of the Elgin Police Pension Fund, Board of Trustees,January 21, 2015. Present at the meeting was President James Lamkin, Vice President Robert Christ,Trustee Robert O'Connor,Asst. Secretary James Roscher, Secretary Chris Troiola, Acting Treasurer Debra Nawrocki, Attorney Cary Collins, and Clerk Thomas Quigley. Absent: Guests: Mike Piotrowski of Marquette Associates, Bill Yocius of Mitchell Vaught and Taylor and Steve Earnhardt of Lauterbach and Amen. The meeting was call to order at 1:31 p.m.by President Lamkin. Minutes of October 15, 2014 meeting were approved on a motion by Christ, seconded by Troiola. Motion approved. Treasurer's Report: (1) Mike Piotrowski presented the 2014 3rd Quarter Executive Summary. The Fund has performed pretty well for 2014 Year to Date. However the financial markets are still volatile. Year to date(as of December 31,2014)the Fund is up 5.8%(Gross of Fees) and 5.6%(Net of Fees). The Fund had investment earnings of$2,040,759.38 for the quarter. The Fund has an ending market value of $86,913,028.71, which is another new high mark for the Fund. The Annualized performance of the Fund over 10 years is 6.5%(Net of Fees). The Fund is well diversified which will help no matter how the markets react. Even though there is job growth, wages are pretty stagnate still. Europe seems to still be the drag on the market in the 4th Q of 2014 and the Bank of Europe is lowing rates and starting basically Quantitative Easing over there,as well as China's economy is slowing. Money is going into U.S. Treasuries and the rate is down to 1.80%. Marquette Associates Fiduciary Services Committee had a meeting to rebalance the portfolio for the end of 2014. They were able to accomplish this with the extra$5,000,000.00 the City of Elgin contributed in December 2014. The City of Elgin also added an additional $2,500,000.00 in January 2015. (2) Fixed Income was up slightly over the last quarter. Fixed Income is up overall YTD 2.6%(Net of Fees). MVT was up 1.7%which is well below its benchmark of 2.5%, while JP Morgan is up 3.4% which is higher than its benchmark of 3.1%. (3) U.S. Equities as a whole were up 11%, still under their benchmark of 12.7%. Kayne Anderson Rudnick YTD is up 6.8% (Net of Fees)beating benchmark of 4.9%. Vanguard Instl. Index Fund matched their benchmark YTD with 13.7% earnings. Vanguard Mid-Caps were just shy of their benchmark of 13.8%by coming in YTD with 13.7%earnings YTD. (4) International Stocks Composite was down in the 4th Quarter and YTD, down overall -2.5%but did outperform their benchmarks which were a -3.9%. (5) Real Estate In the 4th Q U. S. Principle is up 4.2%and 12.6%YTD net of fees. PIMCO is down - 2.9% net of fees for the quarter and up 0.8%YTD. PIMCO will still be left on Alert Status. Page 1 (6) Mike Piotrowski had one recommendation regarding Mitchell, Vaught and Taylor,that was to put MVT on Alert status due to performance. Mike pointed out that on page 11 of the Executive Summary that MVT has not exceeded their benchmark based on an annualized performance over 10 years net of fees. He feels that MVT needs to make material changes to the portfolio and how they manage it. President Lamkin voiced his concern that MVT has missed the benchmark so many times and has said our continued relationship with MVT is based on MVT improving the performance to where it should be. V/P Christ echoed the same sentiment and concerns that the Investment Committee has brought up over the course of the past few meetings. Attorney Cary Collins stated that instead of Mr. Yocius being here, Mr. Mitchell should be here to hear the concerns of the Board and to tell how they were going to improve investments. Lamkin reiterated that this is a business decision as far as the Alert Status, even though MVT has worked as a manager for the fund for a long time. Mike also stated that MVT was out of the Investment Policy Guidelines by being more than 25% shorter duration than the benchmark. MVT needs to come back within the guidelines. (7) Mr. Yocius spoke of how MVT was performing; it was short again of the benchmark by 0.3%. For the 4th Q the Fund was down -0.1%net of fees, YTD the fund is up 1.7%well below the benchmark of 2.5%. MVT is starting to reverse course and trying to match the portfolio duration to the target. They are not trying to predict the rate changes as much anymore. The Federal Reserve did not raise the rates as MVT expected or as many other expected them to do. Rates went from 3%down to 1.80%YTD. Mr. Yocius than stated that the monthly$90,000.00 that is taken out from their management by the fund for operational needs has hurt the ability for MVT to make earnings. Mike Piotrowski and President Lamkin questioned this statement and even said that they would have the Board change that if it was that big of a factor. Mr. Yocius than reversed course on that point, saying no it was not. (8) Christ made a motion to put Mitchell, Vaught and Taylor on Alert Status for performance. This motion was seconded by Roscher. Motion passed. A motion to accept Treasurers Report was made by Christ, seconded by Troiola. This motion was approved by a roll call vote 5- yes and 0-no. Expenses: The following expenses were approved as submitted on a motion by Christ, seconded by Troiola. Motion approved by roll call vote 5- yes and 0-no. Buffalo Grove Ortho Inv# Bahe Annual Exam $1,100.00 Cary Collins Inv#6457 Admin Services–October 2014 $1,890.00 6461 Admin Services—November 2014 $1,890.00 6478 Retainer January, February& March 2015 $1,275.00 6513 Almeida Lawsuit $4,729.50 J.P. Morgan 20140930-9174-A 3rd Q Fee 2014 $9,280.49 Lauterbach & Amen Inv# 7620 Service Fees September 2014 $1,355.00 8536 Service Fees November 2014 $1,355.00 Mitchell, Vaught&Taylor Consulting Fee 4th Q 2014 $7,215.00 There was a motion to approve all trades and transactions of monies since last meeting up to this meeting as reported. Motion made by Christ, seconded by Troiola. Motion approved by roll call vote 5-yes and 0-no. This is subject to approval by Acting City Treasurer Nawrocki. The Board approved the monthly pension check payouts as noted above. Page 2 Deaths: (0) Retirements: (1) Sgt. Dennis L. Hood#153 retired on October 18, 2014. Sgt. Hood was hire on July 25, 1988 and will have 26 years of creditable service for a pension of 65%of his pensionable salary. Sgt. Hood's 2014 pensionable salary is as follows; salary$104,091.92, longevity$4,163.68 and 10 holiday days totaling$3,882.22. The grand total of pensionable salary is $112,137.82. The annual pension benefit will be$72,889.56 or$6,074.13 per month. His December 2014 benefit will be in the amount of$6,074.13. His annual COLA increases will take effect as prescribed by the Illinois Police Pension Code. The pension benefit was calculated by Lauterbach and Amen and approved by Acting City Treasure Nawrocki. A motion to accept Sgt. Dennis L. Hood's pension benefit application and benefits was made by Christ, seconded by Troiola. Motion approved by a roll call vote 5-yes 0-no. Disabilities: (2) Pete Almeida filed a Complaint for Administrative Review with the 16th Circuit Court of the Kane County on August 18, 2014. Judge Ackmann reversed the Board's decision saying that if the Illinois Appellate Court ruled in 2010 that he was entitled to a non-duty disability pension benefit than he would not rule otherwise. Attorney Cary Collins feels that this was an error and recommends to the Board to appeal the decision. Christ made a motion to authorize Cary Collins to appeal the Circuit Court decision, seconded by Roscher. Motion approved. Officer Lawrence J. Dickman#317 has made application for a duty/non-duty disability. The Fund has accepted the application and will begin to process the application and Cary Collins's office will start compiling the necessary materials and appointments. Terminations: (0) Resignations: (1) Officer Christopher J. McMahon#376 will resign on February 1, 2015. Refunds: (1) Officer Christopher J. McMahon#376 has notified the Board that he will be requesting in writing a refund of his contributions. His total contributions amount to be refunded is approximately 28,000.00. A Motion was made by Christ to refund his contributions upon written request, seconded by O'Connor. Motion approved by roll-call vote 5-yea and 0-no. New Hires: (9)Brad R. Duffy#404 TIER II; Neal P. Fuchs#405 TIER II; Paul Dublinski #406 TIER II; Shawn Sproles#407 TIER II; Nicholas Klinke#408 TIER II; Ricardo Hernandez#409 TIER II; Jessica L. Duehning#410 TIER I;Jason Highland#411 TIER II;and Michael J. Fuller#412 TIER II. All of the nine were hired on December 29, 2014. 8 of the 9 are TIER II with Jessica Duehning being the only TIER I. All applications to the Fund were approved on a separate motion by Christ and each seconded by Troiola. All 9 motions were approved. Portability of Creditable Service: (0) Military Service Buy Back 40ILCS5/3-110(b-5) (1) Officer Elias Acevedo #258 made application to transfer 24 months of military service to creditable service time. He started to pay the Fund the true cost on the December 5,2014. He is looking to do the buy-back over a 60 month payment plan through the City's payroll deductions. This is for information purposes only so the Board can determine at a later date when the 5 year repayment period is up. This would be the payroll period that includes December 5,2019. Page 3 Miscellaneous: a. The Board reviewed the 3% COLA increases for qualified retires. O'Connor made a motion to approve these increases as in the information provided, seconded by Troiola. Motion approved by a roll call vote 5-yea and 0-no. b. Cary Collins' reviewed a QILDRO sent to it by the attorney's for Officer Adam Ross#319. No further action needed until it is returned with a signature of a Judge. Cary did mention that the amount of review time and complexity of these QILDROs have increased dramatically since they were first initiated. The$50.00 fee does not cover the Board's costs(i.e. attorney, accountants). c. 2014 Pensionable Salaries were adjusted for those members who retired in 2014 since the City approved the 2014 PB & PA Union Contract and the 2014 Management Pay Plans. The following increases were approved separately on motions by Christ, seconded by Roscher. Motion approved by roll call vote 5-yea and 0-no: 1. Sgt. Edward Cummings pensionable salary increased to $112,137.82, he will receive his yearly pension benefit in the amount of$64,479.24 and monthly is$5,373.27. His March 2014 pension benefit will be prorated in the amount of$4,679.94. He received $1,031.80 as back pay for the underpaid amount. 2. S/P Leon Filas pensionable salary increased to $97,466.75, he will receive his yearly pension benefit in the amount of$63,353.40 and monthly is $5,279.45. His March 2014 pension benefit will be prorated in the amount of$1,703.05. He received$1,192.34 as back pay for the underpaid amount. 3. Patrolman Michael Gough pensionable salary increased to $93,823.10, he will receive his yearly pension benefit in the amount of$70,367.28 and monthly is $5,863.94. His April 2014 pension benefit will be prorated in the amount of$5,082.08. He received $1,251.93 as back pay for the underpaid amount. 4. Patrolman Kenneth Herman pensionable salary increased to$93,823.10, he will receive his yearly pension in the amount of$70,367.28 and monthly is $5,863.94. His September 2014 pension benefit will be prorated in the amount of$2,150.11. He received$249.17 as back pay for underpaid amount. 5. Lt. Leigh Rawson pensionable salary increased to $123,632.42,he will receive his yearly pension benefit in the amount of$61,816.20 and monthly is $5,151.35. His August 2014 pension benefit will be prorated in the amount of$4,985.18. He received $372.87 as back pay for underpaid amount. 6. S/P Ronald Reiter pensionable salary increased to $97,466.75,he will receive his yearly pension benefit in the amount of$73,100.04 and monthly is $6,091.67. His September 2014 pension benefit will be prorated in the amount of$2,030.56. He received $250.51 as back pay for underpaid amount. 7. Sgt. Donald Thiel pensionable salary increased to $112,137.82, he will receive his yearly pension benefit in the amount of$78,496.44 and monthly is$6,541.37. He received $638.16 as back pay for underpaid amount. d. Cary Collins commented on the Lakemoor Police Pension situation that Officer Free is involved in. The Village of Lakemoor is being sued and there is no final date. The Board will be notified of the outcome as well as Officer Free. e. The Board reviewed the Executive Session Meeting Minutes and will not be releasing any at this time. f. The Board reviewed the 3 letters between Marquette, President Lamkin,JP Morgan and Wells Fargo. g. The signature authorization form for JP Morgan was reviewed. h. The Board reviewed the physician reports of Doctor Stamelos of Buffalo Grove Orthopedics in which he stated that Bahe and Santucci-Brady were still disabled. i. The Board reviewed the Investment Committee Agenda and Minutes for the December 11, 2014 meeting. Page 4 j. The Board reviewed the FOIA request from Zach Cziryak that Asst. Secretary Roscher responded to. k. The Board reviewed the FOIA request from Tanner Peterson that Asst. Secretary Roscher responded to. 1. The Board reviewed the IPPAC Spring Conference May 13-15, 2015. m. The Board has received all but 19 yearly affidavits from its members. A second letter will be sent out as a reminder. n. The Board continued to talk about getting Tablets for the Board as the laptops are aging and 2 have just stopped working. Christ made a motion to purchase the tablets that the City IT Department recommends that is compatible with the City of Elgin system, motion does allow for the exact tablet to be selected between the IT Dept. and Clerk Quigley, seconded by Troiola. Motion approve by roll call vote 5-yea and 0-no. o. The Board reviewed the records provided by Lauterbach and Amen and Kayne Anderson Rudnick. Public Comments: N/A Executive Session: N/A. With no further business the meeting was adjourned by President Lamkin at 2:24 p.m. on motion by Christ,second by Troiola. Motion approved. The next meeting will be held on April 15, 2015 (a, 1:30 p.m. The meeting location will be The Elgin Police Law Enforcement Facility, 151 Douglas Avenue Elgin, IL 60120. Sincerely, Thomas J. Quigley, Clerk Board Member Approval: 4-54- cy Signature Title Page 5 ELGIN POLICE PENSION FUND 151 Douglas Ave Elgin, IL 60120 INVESTMENT COMMITTEE MEETING NOTICE March 5, 2015 The ELGIN POLICE PENSION FUND, Board of Trustees announces that an Investment Committee will be holding a meeting on March 12, 2015 at 3:00 p.m. The meeting will be held at City Treasurer's Office 150 Dexter Court Elgin, IL 60120 Agenda: "fele-conference with Marquette Associates. Discuss the Funds current financial status. Discuss/recommend any changes to the Funds allocations and re- balance if necessary. Discuss any changes to Fund Managers/CFO position. Approve the meeting minutes of the December 11, 2014. Set next meeting date. Sin 4 //. /1:(62-?-lere';'./f Thomas J. Quigley Clerk r Elgin Police Pension Fund 151 Douglas Avenue Elgin, IL 60120 Minutes of the Elgin Police Pension Fund, Investment Committee meeting,held on March 12, 2015. Present at the meeting(tele-conference)were Vice President Robert Christ,Acting Treasurer Debra Nawrocki, Clerk Thomas Quigley and Mike Piotrowski of Marquette Associates. Absent: None. Guests: None. The meeting was call to order at 2:00 p.m. by Vice President Christ. Treasurers Report: Mike Piotrowski went over the February 28, 2015 Flash Report. A copy of this report is attached to the minutes. The Fund is performing well. The total market value of the fund is 90,977,913.00 as of February 28, 2015. The Fund is up 2.4%YTD net of fees and for a 3 month period it is up 2.0%. The 10 year annualized rate of return is 6.8%beating the Policy Benchmark. Fixed income is still under-weight which is good for now. Marquette rebalanced the fund to comply with the Investment Policy Guidelines and the DOI policy by the end of 2014. But March is still very volatile and has given back some of the gains over the past 2 months. Marquette Believes the markets will be very volatile for at least the first half of 2015 and then once the Federal Reserve gives some guidance on when they are looking to raise rates or actually do things might calm down after that. U.S. Equities are up 2.6%YTD,just under the benchmark of 2.8%. Inflation is still low and the Fed is looking to possibly raise rates maybe in the second half of 2015. The Bond Market is up slightly for the YTD 0.6,but down for the month at-0.7%. Mitchell, Vaught&Taylor is up 0.6%YTD just below its benchmark of 0.7%YTD. JP Morgan is up 0.5%YTD below the 1.0%benchmark. Both are net of fees. MVT is still on Alert Status for performance, and since these are preliminary figures for the month of February they both may change slightly in the final report. Mike will see how MVT is performing at the April 2015 Quarterly Board Meeting and may ask the Board's approval to look for another fixed income manager. Kayne Anderson is up 1.5%YTD short of their benchmark of 2.0%YTD. Both Vanguards are matching their benchmark YTD, Vanguard Institutional up 2.6%and Vanguard Mid Cap 3.9%. In Real Estate, Principle US Property was up I.5%%YTD net of fees beating their benchmark of 0.0%YTD. Global Tactical PIMCO was up 2.0%YTD net of fees beating their benchmark of 1.6%YTD. Since both of these managers were funded out of the Fixed Income money, this is still a great benefit to the Fund. Marquette is looking for Real Estate to have a good year with increases of 8-10%. International Funds as a whole are beating their benchmark. The International Market is looking attractive since they have been beaten down over the last year. The composite is 5.7% YTD compared to the benchmark of 5.2%YTD. Marquette will look at this and see if any additional funds should be put into the international market. The European Central bank has lowered their interest rates looking to do a QE stimulus package over there which will help International funds. Dodge&Cox is slightly down. The big theme for the year is that the Fund is very well diversified and should be able to weather these volatile markets. The next meeting date for the Committee will be set after the regular quarterly meeting(unless a Special Meeting is needed and called by President Lamkin or V/P Christ). With no further business to discuss, the meeting was adjourned by Vice President Christ at 2:11pm. Sincerely, Thomas J. Quigley Clerk :�z Board Member Approval: vL?� � /4_ ( 5( 15- Signature Date r ELGIN POLICE PENSION FUND 151 Douglas Ave Elgin, IL 60120 MEETING NOTICE April 7, 2015 The ELGIN POLICE PENSION FUND, Board of Trustees will be holding a regular quarterly meeting on Wednesday, April 15, 2015 at 1:30 p.m. The meeting will be held at the Elgin Law Enforcement Facility at 151 Douglas Ave. Elgin, Illinois in the North Lobby Community Room. Agenda: Call to Order: Minutes of the January 21, 2015. r Treasurer's Report: a. 1st Quarter 2015 Executive Summary. b. Bill Yocius of Mitchell, Vaught and Taylor(MVT) presentation. Expenses: In pension packet. Deaths: (0). Retirements: (1) Commander Glenn M. Theriault #215 retired on January 4, 2015. Disabilities: (2) The Board appealed the Circuit ruling and Pete Almeida asked for a hearing on whether payments should begin before the Appellate Court ruling came back. Judge Ackmann held a hearing and ruled that payment should begin before the Appellate Court ruling comes back. Approve payment calculated by Lauterbach and Amen. Officer Lawrence Dickman has filed a disability claim with the Pension Fund and the process has begun. Terminations: (0) Resignations: (0) Refunds: (0) New Hires: (2) Joseph Parker#413 was hired on February 16, 2015. Raul Lara #414 was hired on March 23, 2015. r Portability: (0) Military Service Buy Back 40 ILCS 5/3-110(b-5): (0) Miscellaneous: a. QILDRO Order for Adam Ross. b. Letters between Piotrowski, Lamkin and JP Morgan, Wells Fargo. c. Investment Committee Meeting Agenda and Minutes of March 12, 2015. d. 2015 Actuarial Valuation Report Prepared by Tim Sharpe. e. Bill for Dr. Mark Levin for Dickman IME. f. Active Member Election Roscher Position 2 Year Term. g. Retired Member Election Christ Position 2 Year Term. h. Letter from IRS for the Fund to be treated as a Governmental Plan Under Section 414(d) covering 2014-2019. i. IPPAC Spring Conference May 13-15, 2015. j. Annual Affidavits. k. Look into IPads for the Board. 1. Miscellaneous correspondences. 1. Kayne Anderson quarterly reports. 2. Lauterbach and Amen monthly reports. Public Comments: Executive Session: Adjournment: Sincerely, / / # 1 Thomas J. Quigley Clerk r The Minutes of the Quarterly Meeting of the Elgin Police Pension Fund, Board of Trustees,April 15, 2015. Present at the meeting was President James Lamkin, Vice President Robert Christ, Trustee Robert O'Connor, Asst. Secretary James Roscher, Secretary Chris Troiola, Acting Treasurer Debra Nawrocki, Attorney Cary Collins, and Clerk Thomas Quigley. Absent: Guests: Mike Piotrowski of Marquette Associates, John Mitchell and David Vaught of Mitchell Vaught and Taylor. The meeting was call to order at 1:35 p.m. by President Lamkin. Minutes of January 21, 2015 meeting were approved with one correction, to amend Sgt. Dennis Hood's Holidays paid from 12 to 10, motion made by Christ, seconded by Troiola. Motion approved. Treasurer's Report: (1) Mike Piotrowski presented the 2015 1St Quarter Preliminary Executive Summary. The Fund has performed pretty well from the beginning of 2015 through March 31, 2015. However the financial markets are still volatile. Year to date(as of March 31,2015)the Fund is up 2.4%(Net of Fees). The Fund has an ending market value of$90,903,085.00. The Annualized performance of the Fund over 10 years is 6.9%(Net of Fees). The Fund is well diversified which will help no matter how the markets react. Even though there is slow job growth, wages are pretty stagnate still. Europe and China seem to still be the drag on the market in the 1st Q of 2015. Small caps performing better than Large caps. Bonds up about 1.0%YTD. Slightly over-weighted to Internationals. (2) Fixed Income is up overall YTD 1.3%(Net of Fees). MVT was up 0.9%which is below its benchmark of 1.3%, while JP Morgan is up 1.5% which is higher than its benchmark of 1.4%. (3) U.S. Equities as a whole were up 2.4%, beating their benchmark of 1.6%. Kayne Anderson Rudnick YTD is down 3.6%%(Net of Fees) underperforming the benchmark of 4.3%. Vanguard Instl. Index Fund underperformed their benchmark YTD with 0.9%earnings, benchmark was 1.0%. Vanguard Mid-Caps matched their benchmark of 4.3%YTD. (4) International Stocks Composite was up in the 1st Quarter gaining 4.9%beating their benchmark of 15%YTD. (5) Real Estate in the 1st Q U. S. Principle is up 2.9%YTD net of fees underperforming the benchmark of 3.2%. PIMCO is up 0.1% net of fees for the YTD underperforming the benchmark of 1.2%. PIMCO will still be left on Alert Status. (6) Mr. Mitchell and Mr. Vaught of MVT were at the meeting to discuss why MVT is not outperforming their benchmark net of fees. Mr. Mitchell gave a broad dissertation about how the markets have done in the past and the present. He believes MVT is positioned well if rates go up compared to J.P. Morgan. The Durations of the MVT portfolio increased after the last meeting,however it is still shorter than the benchmark. The portfolio which was out of compliance with the investment policy in regards to duration as of the previous quarter is now in compliance. Still stated that MVT is about preserving principle instead of making money. Lamkin asked why J.P. Morgan is making more investment income for the Fund than MVT. The Fund needs to see MVT do a better job of making money for the fund. Something needs to change. Page 1 Vaught spoke up about how MVT was performing this quarter. This is a time for caution. Mike Piotrowski went over the 10 year annualized performance period net of fees; especially the last 3 years have underperformed J. P. Morgan substantially even though they both have corporate bonds in the portfolio. MVT has about 15-20% in corporate bonds while their benchmark has none. Because of this, they should have a significant yield advantage on the benchmark and should therefore outperform the benchmark very easily. The main reason for the significant underperformance is the short duration interest rate bet that MVT has taken. The Board as a whole believes that substantial progress would have to be made by MVT by the next meeting since this has been an ongoing discussion for the last year. Mitchell, Vaught and Taylor will still be on Alert Status for performance. (7) A motion to accept Treasurers Report was made by Christ, seconded by Troiola. This motion was approved by a roll call vote 5-yes and 0-no. Expenses: The following expenses were approved as submitted on a motion by Christ, seconded by Troiola. Motion approved by roll call vote 5- yes and 0-no. Kathleen Bono CSR Inv#6680 Almeida Court Report Transcripts $45.60 Buffalo Grove Ortho Santucci-Brady Annual Exam $1,200.00 Cary Collins Inv#6521 Scanning Hrs. - January 2015 $60.00 6522 Admin Services—January 2015 $1,890.00 6529 Admin Services - February $1,890.00 6543 Retainer April, May and June 2015 $1,275.00 6579 Admin Services— March 2015 $1,890.00 Kayne Anderson Inv# 10151057 Fees 3rd Q 2014 $18,294.00 10151059 Fees 4th Q 2014 $22,001.00 Lauterbach & Amen Inv# 9059 Service Fees December 2014 $1,355.00 9345 Service Fees January 2015 $1,395.00 9572 Prep for 2014 Tax Returns $710.00 9868 Service Fees- February 2015 $1,395.00 Marquette Associates Inv # 141224 Consulting Fees Dec. 1, 2014—Feb. 28, 2015 $8,750.00 141225 Consulting Fees Dec. 1, 2014— Feb. 28, 2015 $2,500.00 150324 Consulting Fees Mar. 1, 2015 —May 31, 2015 $8,750.00 150325 Consulting Fees Mar. 1, 2015 —May 31, 2015 $2,500.00 Mitchell, Vaught &Taylor Consulting Fee 1st Q 2015 $7,101.00 Thomas Quigley Postage Reimbursement $48.37 There was a motion to approve all trades and transactions of monies since last meeting up to this meeting as reported. Motion made by Christ, seconded by Troiola. Motion approved by roll call vote 5-yes and 0- no. This is subject to approval by Acting City Treasurer Nawrocki. The Board approved the monthly pension check payouts as noted above. Deaths: (0) Page 2 Retirements: (1) Commander Glenn M. Theriault #215 retired on January 4, 2015. Cmdr. Theriault was hire on January 3, 1995 and will have 20 years of creditable service for a pension of 50%of his pensionable salary. Cmdr. Theriault's 2014 pensionable salary is as follows; salary $129,688.83, longevity$5,187.55. The grand total of pensionable salary is$134,876.38. The annual pension benefit will be$67,438.20 or$5,619.85 per month. His first benefit check will be in July 2022 in the prorated amount of$362.57. His benefit checks starting in August 2022 will be in the amount of$$5,619.85. His annual COLA increases will take effect as prescribed by the Illinois Police Pension Code. The pension benefit was calculated by Lauterbach and Amen and approved by Acting City Treasure Nawrocki. A motion to accept Cmdr. Theriault's pension benefit application and benefits was made by Christ, seconded by Troiola. Motion approved by a roll call vote 5-yes 0-no. Disabilities: (2) Pete Almeida filed a Complaint for Administrative Review with the 16th Circuit Court of the Kane County on August 18, 2014. Judge Ackmann reversed the Board's decision saying that if the Illinois Appellate Court ruled in 2010 that he was entitled to a non-duty disability pension benefit than he would not rule otherwise. The Board is appealing this decision and was holding off paying Almeida until the Appellate Court ruled. However, Almeida made a motion before Judge Ackmann to be paid immediately. Judge Ackmann ruled that the Fund should pay Almeida immediately even though there is an appeal going through the Appellate Court. The Board calculated the amount owed in back pay to Almeida and had a check issued to him in the amount of$34,778.52. A motion was made by Christ to pay the amount owed in back-pay to Almeida totaling$34,778.52, seconded by Troiola. Motion approved by roll call vote 4-yea and 1-no(Roscher). Officer Lawrence J. Dickman #317 has made application for a duty/non-duty disability. The Fund has set up the necessary doctor's evaluation exams and are compiling the reports and waiting for the reports from the City of Elgin. Terminations: (0) Resignations: (0) Refunds: (0) New Hires: (2)Joseph M. Parker#413 TIER 11 was hired on February 16, 2015 as a Probationary Police Officer. Raul Lara#414 TIER II was hired on March 23, 2015 as a Probationary Police Officer. Christ made separate motions to accept Parker and Lara into the Fund; both motions were seconded by Troiola. Both motions approved. Portability of Creditable Service: (0) Military Service Buy Back 40ILCS5/3-110(b-5) (0) Miscellaneous: a. The Board reviewed a QILDRO that it received from Officer Adam Ross and his ex-wife Meghan Ross. The Order 2014 D 628 was signed by Judge Heaslip out of the 17`h Winnebago County Circuit Court on March 10, 2015. The Board received a check in the amount of$50.00 from the Ross's. On motion by Christ to accept the QILDRO, seconded by Troiola. Motion approved. The Board accepted the Order and will send their attorney a letter stating that the order will be followed as directed. Page 3 b. The Board reviewed the 3 letters between Marquette, President Lamkin, JP Morgan and Wells Fargo. c. The Board reviewed the Investment Committee Agenda and Minutes for the March 12, 2015 meeting. d. The Board reviewed the 2015 Actuarial Valuation Report from Acting CFO Nawrocki, prepared by Tim Sharpe. Even with the over$10 million in additional gains in 2014 the funded percentage of the Fund did not change from 43.9%. This was offset due to the new actuarial assumptions that the State is requiring the Funds to use and the fact that the City lowered the investment rate of return used in the valuation from 7.25%to 7.0%. In the past 5 years the investment rate has dropped a full 1% from 8.0%to 7.0% a more realistic rate of return that the Board has been arguing for years. It should be noted that the amount in contributions the Fund takes in exceeds the amount the Fund is paying out. e. The Board approved the Bill for the Dickman IME by Dr. Mark Levin in the earlier expense section. f. The Active Members re-elected James Roscher to a two (2) term May 1, 2015 to April 30, 2017. There was no one else nominated to run against him so 1 vote was casted for Roscher. Lamkin made a motion to certify the election results, seconded by O'Connor. Motion approved. g. The Retired Members re-elected Robert Christ to a two (2) year term May 1, 2015 to April 30, 2017. Christ received 37 votes and Paul McCurtain received 1. Lamkin made a motion to certify the election results based on anticipation of the final count, since historically less than 40 ballots are casted by members. Motion was seconded by O'Connor. Motion approved. h. The Board received a letter from the IRS determining that the Article 3 Plan which the Fund is based upon is entitled to be treated as a Governmental Plan under section 414(d) of the Internal Revenue Code. This letter covers January 31, 2014 -January 31, 2019. i. The Board reviewed the IPPAC Spring Conference May 13-15, 2015 and other training dates. j. All annual affidavits have been returned by those member receiving benefits as required by the Board. k. The Board will have the City of Elgin IT Dept. look into procuring 1Pads for the Board and the Board will reimburse the City of Elgin. This will ensure that the IPads are compatible with the City of Elgin's system. The Board still wants to check to see what storage amount it will need. Acting CFO Nawrocki will contact the IT Dept. to get this moving forward. 1. The Board reviewed the records provided by Lauterbach and Amen and Kayne Anderson Rudnick. Public Comments: N/A Executive Session: N/A. With no further business the meeting was adjourned by President Lamkin at 2:45 p.m. on motion by Christ, second by Troiola. Motion approved. The next meeting will be held on July 15, 2015 (a 1:30 p.m. The meeting location will be The Elgin Police Law Enforcement Facility, 151 Douglas Avenue Elgin, IL 60120. Sincerely 19-,iJ Thomas J.'Quigley, Clerk Board Member Approval: Signature Title Page 4 r ELGIN POLICE PENSION FUND 151 Douglas Ave Elgin, IL 60120 INVESTMENT COMMITTEE MEETING NOTICE May 22, 2015 The ELGIN POLICE PENSION FUND, Board of Trustees announces that an Investment Committee will be holding a meeting on June 1, 2015 at 3:00 p.m. The meeting will be held at City Treasurer's Office 150 Dexter Court Elgin, IL 60120 Agenda: Tele-conference with Marquette Associates. Discuss the Funds current financial status and perfomrmance. Discusslrecommend any changes to the Funds allocations and re- balance if necessary. Discuss/recommend any changes to Mitchell, Vaught and Taylor as a Fund Manager Approve the meeting minutes of the March 12, 2015. Set next meeting date. Sincerely, A4(__ Thomas J.-Quigley Clerk r Elgin Police Pension Fund 151 Douglas Avenue Elgin, IL 60120 Minutes of the Elgin Police Pension Fund, Investment Committee meeting, held on June 1,2015. Present at the meeting(tele-conference) were Vice President Robert Christ, Acting Treasurer Debra Nawrocki, Clerk Thomas Quigley and Mike Piotrowski of Marquette Associates. Absent: None. Guests: None. The meeting was call to order at 3:00 p.m. by Vice President Christ. Treasurers Report: Mike Piotrowski went over the April 30, 2015 Flash Report. A copy of this report is attached to the minutes. The Fund is performing well through the month of April 2015. The total market value of the fund is 91,354,815.00 as of April 30, 2015. The Fund is up 3.3%YTD net of fees and for a 3 month period it is up 4.0%. The 10 year annualized rate of return is 7.1%beating the Policy Benchmark. Fixed income is still under-weight which is good for now. U.S. Equities weights are about in line with the Policy. International managers are over-weight and are doing well. There was $1.800,000.00 in cash but some that has been invested into JP Morgan. But the year is still very volatile but resilient and may stay this way into the 2nd half of 2015. U.S. Equities are up 2.7%YTD, beating the benchmark of 2.2%. Inflation is still low and the Fed is looking to possibly raise rates maybe in the second half of 2015 but that may not occur. The Bond Market is up for the YTD at 1.2%but down for the month at-0.1%. Mitchell, Vaught &Taylor is up 0.8% YTD below its benchmark of 1.2%YTD. JP Morgan is up 1.4%YTD equaling the benchmark. Both are net of fees. MVT is still on Alert Status for performance. Mike will advise the Board at the July 15, 2015 Quarterly Board Meeting as to how MVT is performing. Depending on whether there is significant change in positive performance for MVT, Marquette may recommend terminating MVT as a manager and either place the money with JP Morgan or have another alternative recommendation(s). Kayne Anderson is up 3.0%YTD, well above their benchmark of 1.7%YTD. Both Vanguards are matching their benchmark YTD, Vanguard Institutional up 1.9% and Vanguard Mid Cap 3.9%. Principle US Property was up 3.6%%YTD net of fees beating their benchmark of 3.2%YTD. Global Tactical PIMCO was up 2.9%YTD net of fees beating their benchmark of 2.2% YTD. As a reminder, since both of these managers were funded out of the Fixed Income money, this is still a great benefit to the Fund. This sector has the potential to be up 10%this year. International Funds as a whole are beating their benchmark and is the bright spot. The composite is 8.8%YTD compared to the benchmark of 8.7%YTD. The next meeting date for the Committee will be set after the regular quarterly meeting(unless a Special Meeting is needed and called by President Lamkin or V/P Christ). With no further business to discuss, the meeting was adjourned by Vice President Christ at 3:13pm. Sincerely, T / Thomas J. Quigley Clerk • - Board Member Approval: o7 Signature Date ELGIN POLICE PENSION FUND 151 Douglas Ave Elgin, IL 60120 MEETING NOTICE July 7, 2015 The ELGIN POLICE PENSION FUND, Board of Trustees will be holding a regular quarterly meeting on Wednesday,July 15, 2015 at 1:30 p.m. The meeting will be held at the Elgin Law Enforcement Facility at 151 Douglas Ave. Elgin, Illinois in the North Lobby Community Room. Agenda: Call to Order: Minutes of the April 15, 2015. Treasurer's Report: a. 2nd Quarter 2015 Executive Summary. b. MVT —Review "Alert" status, update and possible action. c. PIMCO— Review "Alert" status, update and possible action. d. Update authorized signature card for custodian (Wells Fargo). e. Signed paperwork for money transfers. Expenses: In pension packet. Deaths: (1) James E. Willson #148 died on June 23, 2015 while an active member with 27 years of service. His wife, Alice M. Willson has applied for a Widow's Benefit. Retirements: (3) Sgt. Tamara A. Welter #190 retired on March 9, 2015. Sgt. Gary L. Neal Sr. #164 retired on May 15, 2015. Sgt. Philip A. Danner #137 retired on June 12, 2015. Disabilities: (2) In the Almeida case, the Board appealed the Circuit Court ruling. Both sides are filing briefs. Officer Lawrence Dickman has filed a disability claim with the Pension Fund and the process has begun. Waiting for the last doctor's report before a hearing can be scheduled. Terminations: (0) Resignations: (0) Refunds: (0) New Hires: (2) Teodolo Ravadan #415 was hired on June 29, 2015 and is a TIER II. Steven T. DePauw #416 was hired on June 29, 2015 and is a TIER II. Portability: (1) Jessica L. Duehning #410 has begun the process of Portability from the DeKalb Illinois Police Pension Fund. She is transferring 6 years, 11 months and 27 days, January 2, 2008 to December 29, 2014. DeKalb issued a check in the amount of $120,889.70 to Elgin Police Pension Fund. Duehning will take 4 years to pay her True Costs of$25,384.00 as calculated by Timothy Sharpe the actuary. Military Service Buy Back 40 1LCS 5/3-110(b-5): (1) Conan D. Fender #243 applied to transfer 2 years of Military service. His total cost was $20,904.70 which he paid in full to the Fund in a check. His new start date will be March 11, 1994. This was calculated by Lauterbach and Amen. Miscellaneous: a. James Lamkin was re-appointed by Mayor Kaptain to a two year term May 1, 2015 — May 1, 2017. b. DOI Annual Report was completed as was the Certificate Form signed and sent. c. House Bill 5088 Report was completed. d. Revised Letter of Agreement with Lauterbach and Amen covering June 17, 2015 — December 2016. e. QILDRO Order for James Phillos. f. Investment Committee Meeting Minutes of June I, 2015. g. IPPAC Training Seminars 2015 and Newsletter. h. FOIA Request. i. Should the Board release any prior Executive Session Minutes? j. Election of Officers from the Board of Trustees. k. IPads for the Board. 1. Miscellaneous correspondences. 1. Kayne Anderson quarterly reports. 2. Lauterbach and Amen monthly reports. Public Comments: Executive Session: Adjournment: Sincerely, Thomas J. Quigley Clerk The Minutes of the Quarterly Meeting of the Elgin Police Pension Fund, Board of Trustees, July 15. 2015. Present at the meeting was President James Lamkin, Vice President Robert Christ,Trustee Robert rO'Connor, Asst. Secretary James Roscher,CFO/Treasurer Debra Nawrocki, Attorney Cary Collins, and Clerk Thomas Quigley. Absent: Secretary Chris Troiola Guests: Mike Piotrowski of Marquette Associates, Bill Yocius and Jim Nowicki of Mitchell Vaught and Taylor. Officer Dan Glasby. The meeting was call to order at I:30 p.m. by President Lamkin. Minutes of April 15, 2015 meeting were approved, motion made by Christ, seconded by O'Connor. Motion approved. Treasurer's Report: (1) Mike Piotrowski presented the 2015 2nd Quarter Executive Summary. The Fund has performed well YTD. However the financial markets are still volatile. Year to date (as of June 30,2015)the Fund is up 2.6% (Net of Fees). The Fund has an ending market value of$92,224,069.89. The Annualized performance of the Fund over 10 years is 6.7%(Net of Fees). The Fund is well diversified probably the best it has been, which will help no matter how the markets react. There are still problems with the economy which are slow job growth and wages are still pretty stagnate. Other unknowns are China,Greece and when will the Feds raise rates. Slightly over-weighted to Internationals, under- weight in Fixed. r (2) Fixed Income is even overall YTD 0.8%(Net of Fees). MVT was up 0.5%which is below its benchmark of 0.8%, while JP Morgan is up 1.0% which is higher than its benchmark of 0.8%. (3) U.S. Equities as a whole were up 2.1%YTD, beating their benchmark of 1.7%. Kayne Anderson Rudnick YTD is up 2.8%(Net of Fees)underperforming the benchmark of 4.8%. Vanguard Instl. Index Fund was even with their benchmark YTD with 1.2% earnings. Vanguard Mid-Caps matched their benchmark of 3.1%YTD. (4) International Stocks Composite was up in the 2nd Quarter gaining 7.0%beating their benchmark of 4.0% YTD. (5) Real Estate in the 2nd Q. U. S. Principle is up 6.2%YTD net of fees outperforming the benchmark of 3.2%. PIMCO is down-0.1%net of fees for the YTD underperforming the benchmark of 3.8%. PIMCO will still be left on Alert Status. (6) Mr. Yocius and Mr. Nowicki of MVT were at the meeting to discuss MVT performance. Mr. Yocius stated that MVT has the Fund is a less risk/shorter duration formula. The duration has increased over the past 2 quarters slightly. They are trying to get back to the overall target rate of durations as the yields also increase. They have about 10-15% in high quality Corporate Bonds. Mr. Yocius believes that they are a good combination with J.P. Morgan especially when rates come back to the "proper level". Mike Piotrowski pointed out that MVT was still underperforming YTD and for many years net of fees. MVT needs to have significant positive performance or the Board may have to make a decision as to whether the business relationship continues. Mitchell, Vaught and Taylor will still be on Alert Status for performance. Page 1 • (7) Mike Piotrowski had the Wells Fargo Authorized Signature form updated with the signatures of Nawrocki, Lamkin and Roscher. (8) A motion to accept Treasurers Report was made by Christ, seconded by O'Connor. This motion was approved by a roll call vote 4- yes and 0-no. Expenses: The following expenses were approved as submitted on a motion by Christ, seconded by O'Connor. Motion approved by roll call vote 4-yes and 0-no. Barrington Orthopedic IME-Dickman $295.00 Buffalo Grove Ortho 1ME-Dickman $1,200.00 Cary Collins Inv#6585 Admin Services— April 2015 S1,890.00 6588 Almeida Circuit and Appellate Courts $5,501.08 6591 Admin Services_,w May 2015 $1,890.00 6607 Retainer July, August and Sept. 2015 $1,275.00 6643 Admin Services—June 2015 51,890.00 6644 Almeida Appellate Court filings $2,165.00 IPPAC Inv# 1158 Annual Membership Fee July 2015 —June 2016 $500.00 Illinois Dept. of Insurance F76372 FY 2016 Compliance Fee $8,000.00 J. P. Morgan 20141231-9174-A 2014 4`t' Q Fees 59,755.75 20150331-9174-A 2015 1 s`Q Fees $11.167.90 20150630-9174-A 2015 2"d Q Fees $11,535.67 Kayne Anderson Inv # 10151060 Fees 1st Q 2015 522.579.00 Lauterbach &Amen Inv# 10149 Prep for Year End paperwork FY 2014 $1,415.00 10261 Service Fees- March 2015 $1.395.00 10608 Service Fees- April 2015 $1,395.00 10956 Service Fees - May 2015 51,395.00 Marquette Associates Inv 150625 Consulting Fees June 1, 2015 —Aug. 31, 2015 $8,750.00 150626 Consulting Fees June 1, 2015 —Aug. 31, 2015 $2,500.00 Mitchell, Vaught&Taylor Consulting Fee 2nd Q 2015 $7,000.00 Consulting Fees 31d Q 2015 56,840.00 Thomas Quigley Postage Reimbursement 5133.05 There was a motion to approve all trades and transactions of monies since last meeting up to this meeting as reported. Motion made by Christ, seconded by O'Connor. Motion approved by roll call vote 4-yes and 0-no. This is subject to approval by CFO Nawrocki. The Board approved the monthly pension check payouts as noted above. Deaths: (1) Patrolman James E. Willson#.148 died on June 24,2015 while an active member with 27 years of creditable service. His wife Alice M. Willson has submitted an application for Widow Pension Benefit. Patrolman Willson's pensionable salary purposes arc as follows. He had a salary of 589,367.99. Per the contract he receives 3%longevity of his salary,which is$2,681.04. He gets 12 paid holidays in the amount of$4,119.68. The total pensionable salary is$96,168.71. He will receive 67.5%of this amount or$64,913.88 annually, or $5,409.49 per month. The pension payment for June 2015 will be for 7 days in the amount of$1,262.21. Alice M. Wilson will not receive yearly COLA raises as prescribed by the Pension Code. Page 2 Retirements: (3) Sgt. Tamara A. Welter#190 retired on March 9, 2015. Sgt. Welter was hire on rJanuary 26, 1990. This includes the 2 years and 4 months of IMRF time she bought hack. She will have 25 years of creditable service time for a pension of 62.5% of her pensionable salary. Sgt. Welter's 2014 pensionable salary is as follows;base salary$106,694.23, 4% longevity$4,267.77 and 10 paid holidays amounting to$3,979.27. . The grand total of pensionable salary is $114,941.27. The annual pension benefit will be 571,838.24 or$5,986.52 per month. Her first benefit check will be in February 2020 in the prorated amount of 51,032.16. Her benefit checks starting in March 2020 will be in the amount of $5,986.52. Her annual COLA increases will take effect as prescribed by the Illinois Police Pension Code. The pension benefit was calculated by Lauterbach and Amen and approved by CFO Nawrocki. A motion to accept Sgt. Welter's pension benefit application and benefits was made by Christ, seconded by O'Connor. Motion approved by a roll call vote 4-yes 0-no. Sgt. Gary L. Neal Sr. #164 retired on May 15, 2015. Sgt. Neal was hire on May 13, 1988. This includes the 18 months of Military Service he transferred to the Fund under Public Act 096-1260. He will have 27 years of creditable service time for a pension of 67.5%of his pensionable salary. Sgt. Neal's 2014 pensionable salary is as follows; base salary $106,694.23, 4% longevity S4,267.77 and 10 paid holidays amounting to$3,979.27. . The grand total of pensionable salary is $114,941.27. The annual pension benefit will be$77,585.40 or$6,465.45 per month. His first benefit check will be in May 2015 in the prorated amount of$3,337.01. His benefit checks starting in June 2015 will be in the amount of $6,465.45. His annual COLA increases will take effect as prescribed by the Illinois Police Pension Code. The pension benefit was calculated by Lauterbach and Amen and approved by CFO Nawrocki. A motion to accept Sgt. Neal's pension benefit application and benefits was made by Christ, seconded by O'Connor. Motion approved by a roll call vote 4-yes 0-no. Sgt. Philip A. Danner#137 retired on June 12, 2015. Sgt. Danner was hire on January 27, 1986. He will have 29 years of creditable service time for a pension of 72.5%of his pensionable salary. Sgt. Danner's 2014 pensionable salary is as follows; base salary 5106,693.59, 4%longevity$4,267.74 and 10 paid holidays amounting to$3,979.25. . The grand total of pensionable salary is$114,940.58. The annual pension benefit will be$83,331.96 or$6,944.33 per month. His first benefit check will be in June 2015 in the prorated amount of$4,166.60. His benefit checks starting in July 2015 will be in the amount of $6,944.33. His annual COLA increases will take effect as prescribed by the Illinois Police Pension Code. The pension benefit was calculated by Lauterbach and Amen and approved by CFO Nawrocki. A motion to accept Sgt. Danner's pension benefit application and benefits was made by Christ, seconded by O'Connor. Motion approved by a roll call vote 4-yes 0-no. Disabilities: (2)Pete Almeida briefs have been filed with the Illinois Appellate Court and it will take 3-4 months for a decision. Officer Lawrence J. Dickman #317 has made application for a duty/non-duty disability. The Fund has set up the necessary doctor's evaluation exams and are compiling the reports and waiting for the reports from the City of Elgin. Terminations: (0) Resignations: (0) Refunds: (0) C Page 3 New Hires: (2)Teodolo Ravadan#415 TIER 11 was hired on June 29, 2015 as a Probationary Police rOfficer. Steven T. DePauw #416 TIER 11 was hired on June 29,2015 as a Probationary Police Officer. Christ made separate motions to accept Parker and Lara into the Fund: both motions were seconded by O'Connor. Both motions approved. Portability of Creditable Service: (1)Officer Jessica L. Duehning#410 started the Portability process to transfer 6 years, 11 months and 27 days (January 2, 2008 —December 29, 2014 from City of DeKalb Police Pension Fund. DeKalb issued the Fund a check in the amount of$120,889.70. Officer Duehning has a true cost of$25,384.00 that she owes to the Elgin Police Pension Fund and has decided to take 4 years to pay that amount off. The true cost was calculated by Timothy Sharpe (Actuary). No action will be taken until Officer Duehning has paid the true cost amount to the Fund. Military Service Buy Back 40ILCS5/3-110(b-5) (1) Officer Conan D. Fender#243 applied to transfer 2 years of Military Service. Lauterbach calculated that his total cost would be$20,904.70. lie paid that amount in full to the Fund. His new start date for pension purposes only will be March 11, 1994. Three motions were made to (1) accept the payment in full, (2)New start date for Officer Fender would be changed to reflect the transfer of the 2 years, with the new date being March 11, 1994. (3) The new start date is for pension purposes only. All three motions were made by Christ, seconded by O'Connor. All motions were approved. Miscellaneous: a. James Lamkin was re-appointed by Mayor Kaptain to a two year term May 1. 2015 May 1. 2017. b. The DOI Annual Report was completed, as was the Certificate Form signed and sent. c. House Bill 5088 Report was completed and sent to the City. d. The Board reviewed a revised Letter of Acceptance with Lauterbach and Amen covering June 17, 2015 —December 2016. It will lower the monthly cost of the monthly report by$400.00 a month. Christ made a motion to accept the agreement, seconded by O'Connor. Motion approved. e. The Board reviewed a QILDRO that it received from Officer James Phillos and his ex-wife Donna Phillos. The Order 2014 D 224 was signed by Judge Cleveland-Bernstein out of Cook County Circuit Court on May 15, 2015. The Board received a check in the amount of$50.00. Lamkin had asked Cary Collins what is the amount the Fund is actually to pay? The QILDRO says 50%, but 50%of what amount? How does the Fund know what is the accepted amount since there are so many different formulas to calculate the amount to be paid. Cary Collins said he was making a form to acknowledge the QILDRO and to say what amount the Fund will pay and it will be up to the attorney's to let the Board know within 35 days if it is an incorrect amount. f. The Board reviewed the Investment Committee Agenda and Minutes for the June I, 2015 meeting. g. The Board reviewed the IPPAC Seminars for 2015 and the Newsletter. h. The Board reviewed the FOIA request it received on April 28, 2015 and the information that was sent out. i. The Board reviewed the Executive Session Minutes to determine if any should he released. No Executive Session Minutes will be released at this time. [ Page 4 j. The Board of Trustees opened nominations for Election of Officers. Roscher made a motion to keep the current Board of Trustee members in their current Officer positions, seconded by O'Connor, Motion approved. The following Trustees will fill these Officers positions. President —James Lamkin,Vice President—Robert Christ, Trustee—Robert O'Connor, Asst. Secretary — James Roscher, Secretary—Christopher Troiola. k. The Board went over who would need an IPad. 5 IPads will be ordered through the City of Elgin. On a motion by Christ to purchase up to $4,000.00 in electronics (Wads)through the City of Elgin and reimburse the City for the purchases. Seconded by O'Connor. Motion approved by a roll-call vote 4-yea and 0-no. 1. The Board also went over what to do with the current 6 year old laptop computers. After a discussion the Board came up with sending each Board Member an email stating that if they wanted to keep the laptop, they would need to send the Fund $20.00 to purchase them. Motion made by Christ to charge $20.00 to each Board member who wanted to keep the laptop. The laptops that are broken or not paid for shall be destroyed. Seconded by O'Connor. Motion approved. m. Cary Collins went over a change to the Illinois Police Pension Code section 3-144.3. It states that over payments can be collected up to 3 years from when they occur from members who receive those overpayments. Any overpayments over 3 years can be corrected to the correct amount but the overpayment(s) cannot be collected from the member. n. The Board reviewed the records provided by Lauterbach and Amen and Kayne Anderson Rudnick. Public Comments: N/A Executive Session: The Board went into Executive Session at 2:24p.m. to discuss Lawrence Dickman` s pending medical disability application and medical reports on a motion by Christ, seconded by O'Connor. Motion approved. The Board came out of Executive session at 2:45p.m. on motion by Christ,seconded by O'Connor. Motion approved. No Formal action was taken during the Executive Session. With no further business the meeting was adjourned by President Lamkin at 2:46 p.m. on motion by Christ. second by Roscher. Motion approved. The next meeting will be held on October 21, 2015(a). 1:30 p.m. The meeting location will be The Elgin Police Law Enforcement Facility, 151 Douglas Avenue Elgin, IL 60120. Sincer Thomas r uigley, Clerk l � Board Member Approval: Signature Title /D 2 i 2,;/; r Page 5 .• r ELGIN POLICE PENSION FUND 151 Douglas Ave Elgin, IL 60120 INVESTMENT COMMITTEE MEETING NOTICE September 10, 2015 The ELGIN POLICE PENSION FUND, Board of Trustees announces that an Investment Committee will be holding a meeting on September 22, 2015 at 2:00 p.m. The meeting will be held at City Treasurer's Office 150 Dexter Court Elgin, IL 60120 Agenda: rTele-conference with Marquette Associates. Discuss the Funds current financial status and performance. Discuss/recommend any changes to the Funds allocations and re- balance if necessary. Discuss/recommend any changes to Mitchell, Vaught and Taylor as a Fund Manager. Set next meeting date. Sincerely, Thomas J. Quigley Clerk C - - Elgin Police Pension Fund 151 Douglas Avenue Elgin, IL 60120 Minutes of the Elgin Police Pension Fund, Investment Committee meeting, held on September 22, 2015. Present at the meeting(tele-conference)were Vice President Robert Christ,Treasurer Debra Nawrocki, Clerk Thomas Quigley and Mike Piotrowski of Marquette Associates. Absent: None. Guests: None. The meeting was call to order at 2:00 p.m. by Vice President Christ. Treasurers Report: Mike Piotrowski went over the August 31, 2015 Flash Report. A copy of this report is attached to the minutes. The total market value of the fund is 89,305,435.00 as of August 31. 2015. The Fund is down - 0.5%YTD net of fees and for a 3 month period it is down -3.9%. The 10 year annualized rate of return is 6.1%underperforming the Policy Benchmark. Fixed income is still under-weight which is good for now. U.S. Equities weights are about in line with the Policy. International managers are over-weight. U.S. Equities are down -2.5%YTD,beating the benchmark of-2.7%. Inflation is still low but the Fed is causing confusion about whether there would be a rate hike soon. Also weighing the market down is slowing global growth, China's slowing economy. The market is down approximately 6% now but was down approximately-12%. There had not been a 10% correction in the market for over 4 years. The Fund is heavy in cash at this time due to the September Property Tax deposits. The Discretionary Committee is meeting next week and may put some of the money(53.2 million)to work. Overall on a relative basis, the Fund is doing well. The bright spot being Principle US Property. The Bond Market is up for the YTD at 1.1%but down for the 3 month at -0.1%. Mitchell, Vaught &Taylor is up 0.8% YTD below its benchmark of 1.3%YTD. JP Morgan is up 1.3% YTD beating the benchmark of 1.1%. Both are net of fees. MVT is still on Alert Status for performance. Mike will advise the Board at the October 21, 2015 Quarterly Board Meeting as to how MVT is performing. Depending on whether there is significant change in positive performance for MVT, Marquette may recommend terminating MVT as a manager and either place the money with JP Morgan or have another alternative recommendation(s). JP Morgan has the manager Doug Swanson taking a leave of absence due to family illness. The team is deep in staff and the member moving up to replace him is from the same team and has the rest of the team intact. But Swanson being the senior member, it might be best to put JP Morgan on alert status just to make sure the performance is still going in the proper direction. Kayne Anderson is down -3.2% YTD, below their benchmark of-3.0% YTD. Both Vanguards are matching their benchmark YTD, Vanguard Institutional down -2.9% and Vanguard Mid Cap is down-1.0%. Principle US Property was up 8.7%%YTD net of fees beating their benchmark of 6.8% YTD. Global Tactical PIMCO was down -5.8%YTD net of fees underperforming their benchmark of -0.5%YTD. International Funds as a whole are beating their benchmark but are down. The composite is down -0.8%YTD compared to the benchmark of-4.2% YTD. The next meeting date for the Committee will be set after the regular quarterly meeting (unless a Special Meeting is needed and called by President Lamkin or V/P Christ). With no further business to discuss, the meeting was adjourned by Vice President Christ at 2:15pm. Sincerely, 7-Zt-le-s/ Thomas J. Quigley Clerk Board Member Approval: Signature Date elk r ELGIN POLICE PENSION FUND 151 Douglas Ave Elgin, IL 60120 MEETING NOTICE October 13, 2015 The ELGIN POLICE PENSION FUND, Board of Trustees will be holding a regular quarterly meeting on Wednesday, October 21, 2015 at 1:30 p.m. The meeting will be held at the Elgin Law Enforcement Facility at 151 Douglas Ave. Elgin, Illinois in the North Lobby Community Room. Agenda: Call to Order: Minutes of the July 15, 2015. Treasurer's Report: a. 3rd Quarter 2015 Executive Summary. b. MVT — Review "Alert" status, update and possible action. c. PIMCO — Review "Alert" status, update and possible action. d. JP Morgan —Review "Alert" status, update and possible action due to leave of absence by Doug Swanson. Expenses: In pension packet. Deaths: (0) Retirements: (0) Disabilities: (2) In the Almeida case, the Board appealed the Circuit Court ruling. Both sides have filed briefs and are waiting for a decision. Officer Lawrence Dickman has filed a disability claim with the Pension Fund and the process has begun. His attorney is looking for a date in mid-November for a hearing. Terminations: (0) New Hires: (3) Ian Fiorentino #417 was hired by the City of Elgin as a Probationary Police Officer on August 10, 2015. He is a TIER II Employee. Steven R. Kordek#418 was hired by the City of Elgin as a Probationary Police Officer on September 21, 2015. He is a TIER II Employee. Nathan D. Linden #419 was hired by the City of Elgin as a Probationary Police Officer on September 28, 2015. He is a TIER II Employee. Resignations: (2) Neal P. Fuchs #405 resigned on August 28, 2015. Ian Fiorentino #417 resigned on August 28, 2015. Refunds: (2) Neal P. Fuchs #405 has asked for a refund of his contributions in writing. Ilk total contributions amount to $4,516.24. Ian Fiorentino #417 has asked for a refund verbally and has been given the paperwork for a written request. His total contributions amount to approximately $400.00. Portability: (0) Military Service Buy Back 40 II.CS 5/3-110(b-5): (0) Miscellaneous: a. Phillos Q1LDRO issue from last meeting. b. Robert Beeter Update. c. FOIA Request for Robert Beeter. d. DO1 Annual Report was accepted by the State of Illinois. e. Mesirow Financial reference Fiduciary Liability Insurance Policy and an invoice in 4,41 the amount of$9,503.00. f. Investment Committee Meeting Minutes of September 22, 2015. g. Updated list of Board Members and their positions on the Board. h. IPads for the Board. i. 2016 Quarterly Meeting Dates. j. Miscellaneous correspondences. 1. Kayne Anderson quarterly reports. 2. Lauterbach and Amen monthly reports. Public Comments: Executive Session: Approve Executive Session Meeting Minutes from July 15, 2015. Adjournment: Sincer•ly, . r ((f:/: Thomas J. Quigley Clerk The Minutes of the Quarterly Meeting of the Elgin Police Pension Fund,Board of Trustees,October 21, 2015. Present at the meeting was President James Lamkin, Vice President Robert Christ, Trustee Robert O'Connor,Asst. Secretary James Roscher, Secretary Chris Troiola, CFO/Treasurer Debra Nawrocki, Attorney Cary Collins, and Clerk Thomas Quigley. Absent: Guests: Mike Piotrowski of Marquette Associates, Bill Yocius and Jim Nowicki of Mitchell Vaught and Taylor. The meeting was call to order at 1:30 p.m.by President Lamkin. Minutes of July 15, 2015 meeting were approved,motion made by Christ, seconded by Troiola. Motion approved. Treasurer's Report: (1) Mike Piotrowski presented the 2015 3rd Quarter Executive Summary. The Fund had a tough quarter down-4.6%. The financial markets are still volatile. Year to date(as of September 30,2015)the Fund is down-2.1%(Net of Fees), still outperforming the policy benchmark. The Fund has an ending market value of$89,381,910.00. The Annualized performance of the Fund over 10 years is 5.8%(Net of Fees). The Fund is well diversified probably the best it has been, which will help no matter how the markets react. There are still problems with the economy. Other unknowns are China, Europe and when will the Feds raise rates. The 10 year Bond Rate is low and looking for opportunities to buy. The Market did recover in October and should be positive as of the date of the meeting but the numbers are not out as of yet. (2) Fixed Income is up overall YTD 1.8%(Net of Fees)but below the benchmark of 2.0%. For the 3rd Q, MVT was up 0.9%which is below its benchmark of 1.2%, while JP Morgan is up 1.0%which is higher than its benchmark of 0.9%. (3) U.S. Equities as a whole were down -5.4%YTD,beating their benchmark of-7.0%. Kayne Anderson Rudnick YTD is down-6.2%(Net of Fees) outperforming the benchmark of-7.7%. Vanguard Instl. Index Fund was even with their benchmark YTD with-5.3%earnings. Vanguard Mid-Caps matched their benchmark of-4.6%YTD. (4) International Stocks Composite was down in the 3rd Quarter losing-7.3%,but still beating their benchmark of-8.6%. (5) Real Estate in the 3rd Q. U. S. Principle is up 10.4%YTD net of fees underperforming the benchmark of 10.8%. PIMCO is down-8.7%net of fees for the YTD underperforming the benchmark of 0.2%. PIMCO will still be left on Alert Status. (6) Mr.Yocius and Mr. Nowicki of MVT were at the meeting to discuss MVT performance. Mr. Yocius stated that MVT has the Fund is a less risk/shorter duration formula. The duration has increased over the past 3 quarters slightly. They are trying to get back to the overall target rate of durations as the yields also increase. They have about 14%in high quality Corporate Bonds. One big problem was with China devaluing its currency. This led many around the world to buy U.S.Treasuries. MVT does not see a rise in rates soon. Mike Piotrowski asked if MVT intended to make a significant change in duration. Bill Yocius said MVT intended to move duration with Treasuries not Corporate Bonds as time goes on. Mike Piotrowski asked why not change now instead of waiting 6 months. Page 1 (7) Bill Yocius replied they were going to change but by using Treasuries over time, not immediately with Corporate Bonds. Cary Collins spoke up saying why could MVT just admit they made a mistake in anticipating a rate change and made an incorrect assumption? Bill Yocius replied that it did look like the rates would going up in the longer term. He was asked why J. P. Morgan was performing better than MVT and said that J.P. Morgan is a different product and could not answer for them. Mike Piotrowski continued to ask about why MVT were not changing duration quicker, they could change it tonight if they wanted to,but Bill Yocius held fast to adding duration by Treasuries. It was pointed out that the MVT benchmark has no corporate bonds in it,but MVT has 14%in corporate bonds in their portfolio. Lamkin asked Piotrowski that he was mainly concerned with the fund being consistent in handling the alert status as with previous fund managers. Mike Piotrowski said that the fund was consistent in handling the matter and there is no set time limit to having a manager on alert status. Mike Piotrowski was comfortable with giving them more time. (8) Mitchell, Vaught and Taylor and PIMCO are still on Alert Status. J.P. Morgan is on Alert Status internally at Marquette since the September 18, 2015 Investment Committee meeting. The head of the investment fund Doug Swanson at J.P. Morgan took a leave of absence. Anytime a top member leaves, Marquette will monitor the situation to see that the people filling the vacant position are up to handling the position. J.P. Morgan is a very deep team and this should not be a problem in this instance. (9) Marquette is requesting an increase in the fees that the fund pays them since the agreement is expiring November 30, 2015. This would be the first increase since the 2012 agreement. Marquette is asking for an increase of$7,500.00 annually, covering December 1,2015 to November 30,2018. This would make the total yearly payment of$52,500.00. This includes the yearly fee and the Discretionary Service Fee. Cary Collins came back with a counter offer of a $5,000.00 increase annually. Mike Piotrowski accepted the counter offer. A motion to accept the increase of$5,000.00 for the agreement of annual fees,making the total cost$50,000.00 per year for the period covered in the agreement with Marquette was made by Christ,seconded by Troiola. The motion approved by a roll call vote 5-yea and 0-no. A motion to accept Treasurers Report was made by Christ, seconded by Troiola. This motion was approved by a roll call vote 5-yes and 0-no. Expenses: The following expenses were approved as submitted on a motion by Christ,seconded by Troiola. Motion approved by roll call vote 5- yes and 0-no. Barrington Ortho IME-Dickman $475.00 The Center for Sports Ortho IME-Dickman $850.00 City of Elgin Inv# 1 BL244T 5 iPads for Board $2,935.00 Cary Collins Inv#6646 Admin Services—July 2015 $1,890.00 6652 Admin Services—Aug 2015 $1,890.00 6665 Retainer Oct,Nov and Dec 2015 $1,275.00 6699 Admin Services— Sept 2015 $1,890.00 IPPAC Inv# 1234 Annual Training Requirement $1,625.00 Kayne Anderson Inv # 101 51061 Fees 2nd Q 2015 $23,072.00 Lauterbach &Amen Inv# 11173 Prep for DOI Annual Report FY 2014 $2,000.00 11414 Service Fees-June 2015 $995.00 11913 Service Fees -July 2015 $995.00 12332 Service Fees- Aug 2015 $995.00 Page 2 Marquette Associates Inv# 150931 Consulting Fees Sept. 1, 2015—Nov. 30, 2015 $8,750.00 150932 Consulting Fees Sept. 1, 2015—Nov. 30,2015 $2,500.00 Mesirow Financial Inv#902788 Markel Fiduciary Liability Insurance Premium $9,503.00 There was a motion to approve all trades and transactions of monies since last meeting up to this meeting as reported. Motion made by Christ, seconded by Troiola. Motion approved by roll call vote 5-yea and 0-no. This is subject to approval by CFO Nawrocki. The Board approved the monthly pension check payouts as noted above. Deaths: (0) Retirements: (0) Disabilities: (2)Pete Almeida's Appellate Court ruling come back several days ago. It reversed the decision by Judge Ackmann saying Almeida was still disabled. The Appellate decision can be appealed to the Supreme Court or could be asked to be heard by the entire Appellate Justices. The Board needs to now recover the money that Judge Ackmann made the Fund pay Mr. Almeida instead of waiting for the Appellate Courts decision. Cary Collins will try to determine the next step to have the money that was paid out to Mr. Almeida repaid to the fund. Roscher made a motion to suspend payments retro back to the June 26, 2014 Board's Decision and Order finding Mr. Almeida no longer disabled. Seconded by Christ. Motion approved. Officer Lawrence J. Dickman#317 has a hearing date December 2, 2015 at 1:30 p.m. at the Elgin Law Enforcement Facility 151 Douglas Ave. Elgin Illinois. Terminations: (0) New Hires: (3) Ian Fiorentino#417 TIER II was hired on August 10,2015 as a Probationary Police Officer. Steven R. Kordek#418 TIER II was hired on September 21, 2015 as a Probationary Police Officer. Nathan D. Linden#419 TIER II was hired on September 28,2015 as a probationary police officer. Christ made separate motions to accept Fiorentino, Kordek and Linden into the Fund; all three motions were seconded by Troiola. All three motions approved. Resignations: (2)Neal P. Fuchs#405 resigned on August 28, 2015. Ian Fiorentino#417 resigned on August 28, 2015. Refunds: (2)Neal P. Fuchs#405 provided a written request for a refund of his contributions. His total contributions amount to $4,516.24. Christ made a motion to refund Fuchs's contributions in the amount of$4,516.24, seconded by Troiola. Motion approved Ian Fiorentino provided a written request for a refund of his contributions. His total contributions amount to$297.35. Christ made a motion to refund Florentino's contributions in the amount of$297.35, seconded by Troiola. Motion approved. Portability of Creditable Service: (0) Military Service Buy Back 40ILCS5l3-110(b-5) (0) Page 3 Miscellaneous: a. The Board tabled Phillos's QILDRO Decision and Order until Cary Collins's Office can complete the wording in the paperwork. b. The Robert Beeter update was carried over to Executive Session. c. The Board reviewed the FOIA request for Robert Beeter's pension amounts. d. The Board advised by DOI the FY 2014 Annual Report was accepted and issued the 2014 Actuarial Valuation Report for the Fund. e. The Board reviewed Mesirow Financial binder and invoice for Fiduciary Liability Insurance Policy issue by Markel Insurance Company. The invoice is in the amount of$9,503.00. Christ made a motion to approve the Fiduciary Liability Insurance Policy with Markel Insurance Company and pay the premium invoice in the amount of$9,503.00, seconded by Roscher. Motion approved. f. The Board reviewed the Investment Committee Agenda and Minutes for the September 22,2015 meeting. g. The Board reviewed the memo detailing their information and Offices on the Board.The following Trustees will fill these Officers positions. President-James Lamkin, Vice President- Robert Christ,Trustee-Robert O'Connor,Asst. Secretary-James Roscher, Secretary- Christopher Troiola. h. The Board received their IPad and have begun to use them for the meetings. i. The 2016 quarterly meeting dates were set as follows: January 20,2016, April 20, 2016,July 20, 2016 and October 19, 2016 at 1:30 p.m. j. The Board reviewed the records provided by Lauterbach and Amen and Kayne Anderson Rudnick. k. Several board members have purchased their laptops for$20.00. These are Christ, O'Connor, Roscher and Collins. A total of$80.00 will be turned over to be deposited into the pension fund account. The other laptops will be disposed of with the hard drives removed and destroyed. Public Comments: N/A Executive Session: The Board went into Executive Session at 2:09 p.m. to discuss Robert Beeter's pending hearing on a motion by Roscher, seconded by Christ. Motion approved. The Board came out of Executive session at 2:35p.m. on motion by Christ, seconded by Roscher. Motion approved. No Formal action was taken during the Executive Session. Cary Collins will send a subpoena to the City of Elgin so the reports can be reviewed and an investigation can begin into this matter. With no further business the meeting was adjourned by President Lamkin at 2:37 p.m. on motion by Christ, second by Roscher. Motion approved. The next meeting will be held on January 20,2016 1:30 p.m.The meeting location will be The Elgin Police Law Enforcement Facility, 151 Douglas Avenue Elgin, IL 60120. Sincerely, I -21-ri-frp../(61V Thomas J. Quigley, Clerk Board Member Approval: /� 1o. Signature Title Page 4 ELGIN POLICE PENSION BOARD IN THE DETERMINATION ) OF DISABILITY: ) ) No. 15 EPPB 1501 LAWRENCE DICKMAN, ) Applicant. ) NOTICE OF HEARING October 23, 2015 LAWRENCE DICKMAN c/o Daniel Murphy Murphy& Murphy 53 West Jackson Blvd. Suite 1760 Chicago, IL 60604 Please be advised that the Elgin Police Pension Board will conduct an administrative hearing on December 2, 2015 at 1:30 PM.The hearing will take place at 151 Douglas Street, Elgin, IL regarding the Determination of Disability and possible restoration to active service. That the applicant may be represented by legal counsel and may provide testimony and evidence in support of his position on this matter to the Elgin Police Pension Board. That the hearing is being conducted under the authority granted the Elgin Police Pension Fund under Chapter 40 Act 5 Section 3 of the Illinois revised Statutes. Elgin,Police Pensio Board 11,LAA. ' J • Ja' 's Lamkin, President Elgin Police Pension Fund 151 Douglas Street Elgin, IL 60120 r