To enhance the plan’s core investment lineup, we offer a suite of 10 professionally designed asset allocation models, each tailored to a distinct risk profile. These models are designed to simplify the investment selection process for participants by providing diversified, ready-made portfolios aligned with varying levels of risk tolerance and investment goals.
The models are constructed using a blend of low-cost, factor-based funds, incorporating both passive strategies (Vanguard) and evidence-based active indexing approaches (Dimensional and Avantis). Each portfolio is passively managed and rebalanced annually to maintain its intended risk and asset allocation structure—helping participants stay on track without needing to make ongoing adjustments.
As part of our participant support services, we conduct individual risk assessments during the onboarding process and recommend a suitable model based on each participant’s risk profile. Participants also retain full flexibility—they may choose a model independently or build a custom allocation using the plan’s core investment menu.
This approach is designed to promote participant confidence, improve engagement, and support long-term retirement readiness.
| MODEL | MANAGEMENT STYLE | RISK PROFILE | RISK SCORE | WEIGHTED EXPENSE RATIO | EQUITY ALLOCATION | FIXED INCOME ALLOCATION |
|---|---|---|---|---|---|---|
| Active Indexing 100 | Active Indexing | Aggressive Growth | 85 | 0.27% | 100% | 0% |
| Active Indexing 80 | Active Indexing | Growth | 74 | 0.26% | 80% | 20% |
| Active Indexing 70 | Active Indexing | Moderate Growth | 67 | 0.26% | 70% | 30% |
| Active Indexing 60 | Active Indexing | Moderate | 59 | 0.25% | 60% | 40% |
| Active Indexing 50 | Active Indexing | Conservative | 52 | 0.24% | 50% | 50% |
| MODEL | MANAGEMENT STYLE | RISK PROFILE | RISK SCORE | WEIGHTED EXPENSE RATIO | EQUITY ALLOCATION | FIXED INCOME ALLOCATION |
|---|---|---|---|---|---|---|
| Passive Indexing 100 | Passive Indexing | Aggressive Growth | 83 | 0.11% | 100% | 0% |
| Passive Indexing 80 | Passive Indexing | Growth | 71 | 0.10% | 80% | 20% |
| Passive Indexing 70 | Passive Indexing | Moderate Growth | 64 | 0.10% | 70% | 30% |
| Passive Indexing 60 | Passive Indexing | Moderate | 56 | 0.09% | 60% | 40% |
| Passive Indexing 50 | Passive Indexing | Conservative | 50 | 0.09% | 50% | 50% |
