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Council on Alcoholism and Addictions of the Finger Lakes
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2026 Contribution Limits
$24,500
2026 base employee deferral limit
Employer Match
6% Safe Harbor
The Council contributes 6% of your pay to your account every year, whether or not you contribute yourself
Vesting Schedule
100% Immediate
All contributions to your account are 100% yours right away
Investment lineup
| Fund name | Category | Ticker | Expense ratio |
|---|---|---|---|
| Stable Value | |||
| Transamerica Stable Value Core Account | Stable Value | N/A | N/A |
| Intermediate-Term Bonds | |||
| Allspring Core Plus Bond Ret Acct | Intermediate-Term Bonds | N/A | 0.30% |
| American Funds Bond Fund of America Ret Acct | Intermediate-Term Bonds | N/A | 0.23% |
| Government Bonds | |||
| American Funds Inflation Linked Bond Ret Acct | Government Bonds | N/A | 0.29% |
| High Yield Bonds | |||
| BlackRock High Yield Portfolio Ret Acct | High Yield Bonds | N/A | 0.46% |
| World/Foreign Bonds | |||
| BNY Mellon Global Fixed Income Ret Acct | World/Foreign Bonds | N/A | 0.49% |
| Large-Cap Value Stocks | |||
| American Funds Washington Mutual Investors Ret Acct | Large-Cap Value Stocks | N/A | 0.26% |
| JPMorgan U.S. Value Ret Acct | Large-Cap Value Stocks | N/A | 0.43% |
| State Street Russell Large Cap Value Index Ret Acct | Large-Cap Value Stocks | N/A | 0.04% |
| Large-Cap Blend Stocks | |||
| Invesco Equally-Weighted S&P 500 Ret Acct | Large-Cap Blend Stocks | N/A | 0.18% |
| TA Vanguard Total Stock Market Index Ret Acct | Large-Cap Blend Stocks | N/A | 0.04% |
| Large-Cap Growth Stocks | |||
| AB Large Cap Growth Ret Acct | Large-Cap Growth Stocks | N/A | 0.50% |
| State Street Russell Large Cap Growth Index Ret Acct | Large-Cap Growth Stocks | N/A | 0.04% |
| Mid-Cap Value Stocks | |||
| American Century Mid Cap Value Ret Acct | Mid-Cap Value Stocks | N/A | 0.62% |
| Mid-Cap Blend Stocks | |||
| State Street S&P Mid Cap Index Ret Acct | Mid-Cap Blend Stocks | N/A | 0.05% |
| Mid-Cap Growth Stocks | |||
| Janus Henderson Enterprise Ret Acct | Mid-Cap Growth Stocks | N/A | 0.66% |
| Small-Cap Value Stocks | |||
| DFA U.S. Targeted Value Portfolio Ret Acct | Small-Cap Value Stocks | N/A | 0.29% |
| Small-Cap Blend Stocks | |||
| State Street Russell Small Cap Index Ret Acct | Small-Cap Blend Stocks | N/A | 0.05% |
| Small-Cap Growth Stocks | |||
| Janus Henderson Triton Ret Acct | Small-Cap Growth Stocks | N/A | 0.67% |
| Real Estate | |||
| DWS RREEF Real Estate Securities Ret Acct | Real Estate | N/A | 0.54% |
| World/Foreign Stocks | |||
| ClearBridge International Growth Ret Acct | World/Foreign Stocks | N/A | 0.69% |
| First Eagle Overseas Ret Acct | World/Foreign Stocks | N/A | 0.79% |
| MFS International Diversification Ret Acct | World/Foreign Stocks | N/A | 0.73% |
| Emerging Market Stocks | |||
| DFA Emerging Markets Portfolio Ret Acct | Emerging Market Stocks | N/A | 0.36% |
| Sector | |||
| BlackRock Health Sciences Opportunities Ret Acct | Sector | N/A | 0.75% |
| BNY Mellon Natural Resources Ret Acct | Sector | N/A | 0.80% |
| DWS Enhanced Commodity Strategy Ret Acct | Sector | N/A | 0.85% |
| First Eagle Gold Ret Acct | Sector | N/A | 0.81% |
| Franklin Utilities Ret Acct | Sector | N/A | 0.50% |
| Vanguard Materials Index Ret Acct | Sector | N/A | 0.09% |
| Target Date Investment Choices | |||
| Transamerica FutureFocus In Retirement with American Century Ret Acct | Target Date Investment Choices | N/A | 0.19% |
| Transamerica FutureFocus 2025 with American Century Ret Acct | Target Date Investment Choices | N/A | 0.19% |
| Transamerica FutureFocus 2030 with American Century Ret Acct | Target Date Investment Choices | N/A | 0.19% |
| Transamerica FutureFocus 2035 with American Century Ret Acct | Target Date Investment Choices | N/A | 0.19% |
| Transamerica FutureFocus 2040 with American Century Ret Acct | Target Date Investment Choices | N/A | 0.19% |
| Transamerica FutureFocus 2045 with American Century Ret Acct | Target Date Investment Choices | N/A | 0.19% |
| Transamerica FutureFocus 2050 with American Century Ret Acct | Target Date Investment Choices | N/A | 0.19% |
| Transamerica FutureFocus 2055 with American Century Ret Acct | Target Date Investment Choices | N/A | 0.19% |
| Transamerica FutureFocus 2060 with American Century Ret Acct | Target Date Investment Choices | N/A | 0.19% |
| Transamerica FutureFocus 2065 with American Century Ret Acct | Target Date Investment Choices | N/A | 0.19% |
| Transamerica FutureFocus 2070 with American Century Ret Acct | Target Date Investment Choices | N/A | N/A |
| Asset Allocation Investment Choices | |||
| Invesco Balanced-Risk Allocation Ret Acct | Asset Allocation Investment Choices | N/A | 1.05% |
Source: Transamerica, Council on Alcoholism and Addictions of the Finger Lakes 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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