What we’ve already accomplished
What’s coming next
What this means for you
Attend a webinar
Join an upcoming informational webinar to learn more about the fund changes:
There are 3 new funds being added to the Plan.
Small Mid Cap Fund — This actively managed fund seeks to provide long-term capital appreciation by investing in selected U.S. companies within the small mid cap equity market segment. This fund replaces the existing Small Cap Fund and Mid Cap Fund.
Small Mid Cap Index Fund — This passively managed index fund seeks investment results that correspond generally to the price and yield performance, before fees and expenses, of its underlying index. This fund replaces the existing Small Cap Index Fund and Mid Cap Index Fund.
Stable Value Fund — A Stable Value Fund in a retirement plan is a low-risk investment option that seeks to preserve capital while providing steady returns through interest income. It typically invests in high-quality fixed-income securities and insurance contracts, offering participants stability and liquidity.
If you have assets in the Small Cap Fund, Mid Cap Fund, Small Cap Index Fund, Mid Cap Index Fund or Large Cap Fund, those assets will be moved on or around December 19, 2025, in accordance with the table below:
| Current lineup | Receiving fund |
|---|---|
| Small Cap Fund | Small Mid Cap Fund |
| Mid Cap Fund | Small Mid Cap Fund |
| Small Cap Index Fund | Small Mid Cap Index Fund |
| Mid Cap Index Fund | Small Mid Cap Index Fund |
| Large Cap Fund | Large Cap Index Fund |
If you have assets in the Diversified Real Return Fund, on or around December 19th, 2025, those assets will be moved on or around December 19, 2025, in accordance with the table below:
| Fund eliminations | Birth year range | Receiving fund |
|---|---|---|
| Diversified Real Return Fund | 2006+ | State Street Target Retirement 2070 |
| Diversified Real Return Fund | 2001-2005 | State Street Target Retirement 2065 |
| Diversified Real Return Fund | 1996-2000 | State Street Target Retirement 2060 |
| Diversified Real Return Fund | 1991-1995 | State Street Target Retirement 2055 |
| Diversified Real Return Fund | 1986-1990 | State Street Target Retirement 2050 |
| Diversified Real Return Fund | 1981-1985 | State Street Target Retirement 2045 |
| Diversified Real Return Fund | 1976-1980 | State Street Target Retirement 2040 |
| Diversified Real Return Fund | 1971-1975 | State Street Target Retirement 2035 |
| Diversified Real Return Fund | 1966-1970 | State Street Target Retirement 2030 |
| Diversified Real Return Fund | 1961-1965 | State Street Target Retirement 2025 |
| Diversified Real Return Fund | 1960 < = | State Street Target Retirement — Income |
If you have assets in the Short Term Investment Fund PST they will be moved on or around December 19, 2025, to the new Stable Value Fund PST.
You don’t need to take any action. The fund mapping process will automatically transfer your investments from one fund to another of a similar type. If you’re invested in a fund that’s being closed or removed from the Plan, your money will be moved to the corresponding investment option.
You don’t need to take any action. The fund mapping process will automatically transfer your contribution investment elections to the corresponding investment option
The Plan’s investment structure was reviewed to reassess the number and types of options available, with a focus on offering lower-cost investments when possible. Changes were made to provide cost savings and/or improved performance for participants.
This process is automatic, and there are no fees associated with this change.
While this change offers an opportunity to potentially enhance your investment strategy, it’s important to ensure that your investments align with your retirement goals, and to make adjustments as your situations or goals evolve. Ultimately, the impact of this change will depend on the performance of the new funds.
No, these changes are part of our regular review process. We continuously strive to provide you with the best possible investment options that align with industry best practices and fiduciary standards. This proactive approach ensures that your long-term retirement goals are well supported, regardless of market conditions. For more insights on investing during volatile market conditions, please refer to these resources.
If you have questions or need assistance, contact the Savings Plus Solutions Center or schedule an appointment with the Retirement Resource Group®.