Pay attention to the fees for this new account.

22-B-2-c-(3) During each of the first five (5) full plan years after implementation of the
MBCBP, the trust investment gain/loss allocation to participants in the plan shall be
reduced by seven-tenths percent (0.7%) of the trust’s assets to provide an appropriate
reserve for account shortfall liability and any plan expenses permitted under ERISA. After
the completion of five (5) full plan years after implementation of the plan, such reduction
shall be one-half percent (0.5%) per year. Notwithstanding the foregoing, after the
completion of the first full plan year, should such cumulative reduction amount (as
adjusted to reflect investment earnings and losses on such amount, plan expenses,
including accrued plan expenses, and any participant shortfall payments) exceed one
percent (1%) of the MBCBP’s total assets (determined as of the end of each plan year
thereafter), such annual reduction shall be one-quarter percent (0.25%) for the twelve (12)
months following such determination.

0.7% for what amounts to a stable value fund is pretty high. Already low returns will be reduced by 0.7% to cover investment losses for other pilots.