Investment Options

The information below displays the investment options available under the Plan. You can choose from a menu of investment options that cover the risk/reward spectrum allowing you to select from conservative choices, moderate growth and income funds, or aggressive growth opportunities in both U.S. and international markets. International investing involves special risks such as currency fluctuation, lower liquidity, political and economic uncertainties, and differences in accounting standards.

For each investment option, click on the fund name to open a fund fact sheet that provides important information about the investment option, including fund expenses. Each investment option has a numeric fund code you will need when making investment changes on-line or via telephone.

You should consider the investment objectives, risks, and charges and expenses of the investment options offered through a retirement plan, carefully before investing. The fund prospectuses and information booklet containing this and other information can be obtained by contacting your local representative. Please read the information carefully before investing.

While reviewing the fund fact sheets below, please also review the Disclosure Glossary document that provides information on types of investment risks, investment types and a glossary of terms and statistics. The document also provides instructions about how to obtain any underlying fund prospectus.

Mutual funds under a 401(a) trust agreement are intended as long-term investments designed for retirement purposes. Mutual fund values fluctuate with market conditions, and when surrendered, the principal may be worth more or less than the original amount invested. The Plan's Stable Value Option invests in the Voya Stable Value Fund, which is a collective investment trust maintained by Wilmington Trust Company. The Plan's Stable Value Option is backed by a group annuity contract issued by Voya Retirement Insurance and Annuity Company ("VRIAC"), which guarantees that the return on the Plan's Stable Value Option will not be less than 0%. The net crediting rate is declared quarterly. The initial net crediting rate will be determined based on market conditions within 30 days of the contract funding date. Guarantees are based on the claims paying ability of Voya Retirement Insurance and Annuity Company. The Plan's Stable Value Option, the Voya Stable Value Fund and the VRIAC group annuity contract are not registered investment companies and are not registered with the Securities and Exchange Commission. Although it is possible to have guaranteed income for life with a fixed/variable annuity, there is no assurance that this income will keep up with inflation. Early withdrawals taken prior to age 59 ½ are subject to an IRS 10% premature distribution penalty tax unless an exception applies. Money distributed will be taxed as ordinary income in the year the money is distributed. An annuity does not provide any additional tax benefit, as tax deferral is provided by the Plan. Annuities may be subject to additional fees and expenses, to which other tax-deferred funding vehicles may not be subject. However, an annuity does offer other features and benefits, such as lifetime income payments and death benefits, which may be valuable to you.

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Fund NumberInvestment Options
Stability of Principal
4020 Voya Fixed Plus Account III
544 PIMCO Total Return Fund - Institutional Class
7925 Vanguard® Inflation-Protected Securities Fund - Admiral™ Sh
3314 Vanguard® Short-Term Bond Index Fund - Admiral™ Shares
898 Vanguard® Total Bond Market Index Fund - Admiral™ Shares
Asset Allocation
791 Vanguard® Target Retirement 2015 Fund - Investor Shares
1296 Vanguard® Target Retirement 2020 Fund - Investor Shares
926 Vanguard® Target Retirement 2025 Fund - Investor Shares
1297 Vanguard® Target Retirement 2030 Fund - Investor Shares
793 Vanguard® Target Retirement 2035 Fund - Investor Shares
1298 Vanguard® Target Retirement 2040 Fund - Investor Shares
794 Vanguard® Target Retirement 2045 Fund - Investor Shares
1299 Vanguard® Target Retirement 2050 Fund - Investor Shares
2473 Vanguard® Target Retirement 2055 Fund - Investor Shares
3447 Vanguard® Target Retirement 2060 Fund - Investor Shares
795 Vanguard® Target Retirement Income Fund - Investor Shares
8759 Vanguard® Wellington™ Fund - Admiral™ Shares
Large Cap Value
899 Vanguard® 500 Index Fund - Admiral™ Shares
7926 Vanguard® Equity Income Fund - Admiral™ Shares
406 Vanguard® FTSE Social Index Fund - Investor Shares
2704 Vanguard® Windsor™ II Fund - Admiral™ Shares
Large Cap Growth
1724 American Funds The Growth Fund of America® - Class R-6
828 Vanguard® Explorer™ Fund - Admiral™ Shares
8588 Vanguard® Mid-Cap Growth Fund - Investor Shares
1197 Vanguard® Mid-Cap Index Fund - Institutional Shares
802 Vanguard® Real Estate Index Fund - Admiral™ Sh
757 Vanguard® Small-Cap Index Fund - Admiral™ Shares
1045 Vanguard® Small-Cap Value Index Fund - Investor Shares
Global / International
1723 American Funds EuroPacific Growth Fund® - Class R-6
1118 MFS® Institutional International Equity Fund

Insurance products, annuities and retirement plan funding issued by (third party administrative services may also be provided by) Voya Retirement Insurance and Annuity Company, One Orange Way, Windsor, CT 06095-4774. Securities are distributed by Voya Financial Partners LLC (member SIPC). All companies are members of the Voya® family of companies. Securities may also be distributed through other broker-dealers with which Voya has selling agreements. Insurance obligations are the responsibility of each individual company. Product and services may not be available in all states.