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Doug Sloth
Executive · Plan Administrator – Primary
Sloth Electric, Inc.
(585) 526-5797
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Near retirement? Take advantage of higher contribution limits available between ages 60 and 63.
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Watch video →Plan details
2026 Contribution Limits
$24,500
2026 base employee deferral limit
Employer Match
Up to 4%
Sloth Electric matches your contributions in two tiers, up to 4% of pay
Vesting Schedule
Immediate
You're 100% vested in employer contributions from day one
Investment lineup
| Fund name | Category | Ticker | Expense ratio |
|---|---|---|---|
| Stability & Bonds | |||
| Invesco Stable Asset Fund - ADPZ Class | Stable Value | -- | 0.29% |
| Vanguard Short Term Investment Grade Fund - Admiral Class | Short-Term Bond | VFSUX | 0.09% |
| DFA Intermediate Government Fixed Income Portfolio - Institutional Class | Intermediate Government | DFIGX | 0.12% |
| Fidelity Inflation-Protected Bond Index Fund | Inflation-Protected Bond | FIPDX | 0.05% |
| iShares U.S. Aggregate Bond Index Fund - Class K | Intermediate Core Bond | WFBIX | 0.05% |
| Vanguard Intermediate Term Bond Index Fund - Admiral Class | Intermediate Core Bond | VBILX | 0.06% |
| BlackRock Total Return Fund - Class K | Intermediate Core-Plus Bond | MPHQX | 0.37% |
| Lord Abbett High Yield Fund - Class R6 | High Yield Bond | LHYVX | 0.63% |
| PIMCO International Bond Fund (U.S. Dollar-Hedged) - Institutional Class | Global Bond-USD Hedged | PFORX | 0.57% |
| Target Date & Risk Based | |||
| Vanguard Target Retirement Income Fund - Investor Class | Target-Date | VTINX | 0.08% |
| Vanguard Target Retirement 2020 Fund - Investor Class | Target-Date | VTWNX | 0.08% |
| Vanguard Target Retirement 2025 Fund - Investor Class | Target-Date | VTTVX | 0.08% |
| Vanguard Target Retirement 2030 Fund - Investor Class | Target-Date | VTHRX | 0.08% |
| Vanguard Target Retirement 2035 Fund - Investor Class | Target-Date | VTTHX | 0.08% |
| Vanguard Target Retirement 2040 Fund - Investor Class | Target-Date | VFORX | 0.08% |
| Vanguard Target Retirement 2045 Fund - Investor Class | Target-Date | VTIVX | 0.08% |
| Vanguard Target Retirement 2050 Fund - Investor Class | Target-Date | VFIFX | 0.08% |
| Vanguard Target Retirement 2055 Fund - Investor Class | Target-Date | VFFVX | 0.08% |
| Vanguard Target Retirement 2060 Fund - Investor Class | Target-Date | VTTSX | 0.08% |
| Vanguard Target Retirement 2065 Fund - Investor Class | Target-Date | VLXVX | 0.08% |
| American Funds American Balanced Fund - Class R6 | Risk Based | RLBGX | 0.25% |
| Vanguard Balanced Index Fund - Admiral Class | Risk Based | VBIAX | 0.07% |
| Large Cap | |||
| American Funds Washington Mutual Investors Fund - Class R6 | Large Value | RWMGX | 0.26% |
| Vanguard Equity Income Fund - Admiral Class | Large Value | VEIRX | 0.17% |
| Fidelity U.S. Sustainability Index Fund | Large Blend | FITLX | 0.11% |
| State Street Equity 500 Index Fund - Class K | Large Blend | SSSYX | 0.02% |
| Vanguard Growth and Income Fund - Admiral Class | Large Blend | VGIAX | 0.28% |
| AB Large Cap Growth Fund - Class Z | Large Growth | APGZX | 0.50% |
| Vanguard Growth Index Fund - Admiral Class | Large Growth | VIGAX | 0.05% |
| Victory Pioneer Fundamental Growth Fund - Class R6 | Large Growth | PFGKX | N/A |
| Mid & Small Cap | |||
| iShares Russell Mid-Cap Index Fund - Class K | Mid-Cap Blend | BRMKX | 0.04% |
| Vanguard Strategic Equity Fund - Investor Class | Mid-Cap Blend | VSEQX | 0.17% |
| Vanguard Small Cap Value Index Fund - Admiral Class | Small Value | VSIAX | 0.07% |
| Vanguard Small Cap Index Fund - Admiral Class | Small Blend | VSMAX | 0.05% |
| Vanguard Strategic Small Cap Equity Fund - Investor Class | Small Blend | VSTCX | 0.21% |
| Janus Henderson Triton Fund - Class N | Small Growth | JGMNX | 0.67% |
| Global / International | |||
| iShares MSCI EAFE International Index Fund - Class K | Foreign Large Blend | BTMKX | 0.04% |
| T. Rowe Price Overseas Stock Fund - Class I | Foreign Large Blend | TROIX | 0.67% |
| American Funds EUPAC Fund - Class R6 | Foreign Large Growth | RERGX | 0.47% |
| Vanguard International Growth Fund - Admiral Class | Foreign Large Growth | VWILX | 0.26% |
| Virtus KAR International Small-Mid Cap Fund - Class R6 | Foreign Small/Mid Growth | VRISX | 1.08% |
| Dimensional Global Equity Portfolio - Institutional Class | Global Large-Stock Blend | DGEIX | 0.25% |
| T Rowe Price Global Growth Stock Fund - Class I | Global Large-Stock Growth | RGGIX | 0.68% |
| DFA Emerging Markets Core Equity 2 Portfolio - Institutional Class | Diversified Emerging Mkts | DFCEX | 0.39% |
| Vanguard Emerging Markets Stock Index Fund - Admiral Class | Diversified Emerging Mkts | VEMAX | 0.13% |
| Specialty | |||
| American Century Real Estate Fund - Class R6 | Real Estate | AREDX | 0.81% |
| Vanguard Commodity Strategy Fund - Admiral Class | Commodities Broad Basket | VCMDX | 0.16% |
Source: ADP Retirement Services, Sloth Electric 401(k), June 30, 2026. Returns shown are trailing period total returns. Past performance is not a guarantee of future results.
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