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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 Contributions
Discretionary
DxSelect may make a discretionary match and/or a profit-sharing contribution each year
Vesting Schedule
Varies by Source
Vesting depends on the type of employer contribution
Investment lineup
| Fund name | Category | Ticker | Expense ratio |
|---|---|---|---|
| Stability & Bonds | |||
| Invesco Stable Asset Fund - ADPZ Class | Stable Value | -- | 0.29% |
| American Funds Inflation Linked Bond Fund - Class R6 | Inflation-Protected Bond | RILFX | 0.29% |
| iShares U.S. Aggregate Bond Index Fund - Class K | Intermediate Core Bond | WFBIX | 0.05% |
| BlackRock Total Return Fund - Class K | Intermediate Core-Plus Bond | MPHQX | 0.37% |
| PGIM High Yield Fund - Class R6 | High Yield Bond | PHYQX | 0.38% |
| 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% |
| Vanguard Target Retirement 2070 Fund - Investor Class | Target-Date | VSVNX | 0.08% |
| American Funds American Balanced Fund - Class R6 | Risk Based | RLBGX | 0.25% |
| Large Cap | |||
| American Funds Washington Mutual Investors Fund - Class R6 | Large Value | RWMGX | 0.26% |
| MFS Value Fund - Class R6 | Large Value | MEIKX | 0.44% |
| State Street Equity 500 Index Fund - Class K | Large Blend | SSSYX | 0.02% |
| T. Rowe Price Dividend Growth Fund - Class I | Large Blend | PDGIX | 0.50% |
| Victory Pioneer Fundamental Growth Fund - Class R6 | Large Growth | PFGKX | 0.65% |
| Mid & Small Cap | |||
| iShares Russell Mid-Cap Index Fund - Class K | Mid-Cap Blend | BRMKX | 0.04% |
| Vanguard Small Cap Value Index Fund - Admiral Class | Small Value | VSIAX | 0.07% |
| T Rowe Price Small Cap Value Fund - Class I | Small Blend | PRVIX | 0.67% |
| Vanguard Small Cap Index Fund - Admiral Class | Small Blend | VSMAX | 0.05% |
| Janus Henderson Triton Fund - Class N | Small Growth | JGMNX | 0.67% |
| Global / International & Specialty | |||
| 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% |
| DFA Commodity Strategy Portfolio - Institutional Class | Commodities Broad Basket | DCMSX | 0.32% |
Source: ADP Retirement Services, DxSelect 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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