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18kt gold filled St Benedict Rosary Bracelet
3.09 grams
17cm in length - clasp
4mm beads - 12mm diameter St Benedict center piece

Gold-filled, or "rolled gold", is created by bonding or "welding" a thin layer of gold to a base metal core. This is achieved by using heat and pressure. USA industry standards require there to be 1/20th by weight layer of 14 karat gold permanently bonded over a core of base metal.
When you come across the reference "18/20 Gold-Filled" this means that item is 1/20 18K gold or more simply put the 18 = karats and the 20 refers to the % of gold in an item. 1/20 = 5% gold.
The 1/20 fraction refers to the ratio of the 18 karat gold layer to the base metal (brass) layer by weight, which is 5%