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Education center
Roth or traditional contributions
Which one is right for you? Learn the key differences and how each impacts your tax situation.
Watch video →The impact of a 1% contribution increase
A small change today can mean thousands more at retirement. See how it adds up.
Watch video →How to save $1 million for retirement
Understand exactly how much you need to contribute each month to hit your goal.
Watch video →Rollover options
Changing jobs? Know your options for rolling over your retirement savings without penalties.
Watch video →Age 60–63 catch-up contributions
Near retirement? Take advantage of higher contribution limits available between ages 60 and 63.
Watch video →Beneficiary designations
Make sure the right people receive your account. Keep your designations updated.
Watch video →Plan details
2026 Contribution Limits
$24,500
2026 base employee deferral limit
Employer Match
Discretionary
Determined annually by plan sponsor
Vesting Schedule
6-Year
Graded vesting on employer contributions
Investment lineup
| Fund name | Category | Ticker | Expense ratio |
|---|---|---|---|
| Stability & Bonds | |||
| Voya Fixed Account | Stability/Principal | -- | N/A |
| BrandywineGLOBAL Global Opportunities Bond - IS | Global Bond | GOBSX | 0.54% |
| DFA Inflation-Protected Securities Portfolio | Inflation-Prot Bond | DIPSX | 0.11% |
| PGIM High Yield Fund - Class R6 | High Yield Bond | PHYQX | 0.45% |
| PIMCO Income Fund - Institutional Class | Multisector Bond | PIMIX | 0.50% |
| Voya Intermediate Bond Fund - Class R6 | Core-Plus Bond | IIBZX | 0.35% |
| Balanced & Large Cap | |||
| American Funds Capital Income Builder® - Class R-6 | Global Allocation | RIRGX | 0.27% |
| Vanguard® Balanced Index Fund - Admiral™ Shares | Moderate Allocation | VBIAX | 0.07% |
| Invesco Growth and Income Fund - Class R6 | Large Value | GIFFX | 0.45% |
| Vanguard® 500 Index Fund - Admiral™ Shares | Large Blend | VFIAX | 0.04% |
| American Funds Growth Fund of America® - Class R-6 | Large Growth | RGAGX | 0.33% |
| Small / Mid Cap & Specialty | |||
| Vanguard® Mid-Cap Index Fund - Admiral™ Shares | Mid-Cap Blend | VIMAX | 0.05% |
| Neuberger Mid Cap Growth Fund - Class R6 | Mid-Cap Growth | NRMGX | 0.65% |
| Victory Sycamore Established Value Fund - Class R6 | Mid-Cap Value | VEVRX | 0.52% |
| Vanguard® Small-Cap Index Fund - Admiral™ Shares | Small Blend | VSMAX | 0.05% |
| Neuberger Genesis Fund - Class R6 | Small Growth | NRGSX | 0.82% |
| DFA U.S. Targeted Value Portfolio - Institutional | Small Value | DFFVX | 0.22% |
| DFA Commodity Strategy Portfolio - Institutional | Commodities | DCMSX | 0.22% |
| Global / International | |||
| American Funds New Perspective Fund® - Class R-6 | Global Large Growth | RNPGX | 0.46% |
| DFA Emerging Markets Portfolio - Institutional | Emerging Markets | DFEMX | 0.20% |
| MFS® International Growth Fund - Class R6 | Foreign Large Growth | MGRDX | 0.64% |
| Vanguard® Total International Stock Index - Adm | Foreign Large Blend | VTIAX | 0.11% |
| Target Date Funds | |||
| Vanguard® Target Retirement Income Fund | Target Date | VTINX | 0.08% |
| Vanguard® Target Retirement 2020 Fund | Target Date | VTWNX | 0.08% |
| Vanguard® Target Retirement 2025 Fund | Target Date | VTTVX | 0.08% |
| Vanguard® Target Retirement 2030 Fund | Target Date | VTHRX | 0.08% |
| Vanguard® Target Retirement 2035 Fund | Target Date | VTTHX | 0.08% |
| Vanguard® Target Retirement 2040 Fund | Target Date | VFORX | 0.08% |
| Vanguard® Target Retirement 2045 Fund | Target Date | VTIVX | 0.08% |
| Vanguard® Target Retirement 2050 Fund | Target Date | VFIFX | 0.08% |
| Vanguard® Target Retirement 2055 Fund | Target Date | VFFVX | 0.08% |
| Vanguard® Target Retirement 2060 Fund | Target Date | VTTSX | 0.08% |
| Vanguard® Target Retirement 2065 Fund | Target Date | VLXVX | 0.08% |
| Vanguard® Target Retirement 2070 Fund | Target Date | VSVNX | 0.08% |
Source: Voya Financial, F.G. Rayburn Mason Contractors 401(k), June 30, 2026. Expense ratios estimated. Past performance is not a guarantee of future results.
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