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Susan Chekow Lusignan
CEO, New York Apple Association, Inc.
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Roth or traditional contributions
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Changing jobs? Know your options for rolling over your retirement savings without penalties.
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Near retirement? Take advantage of higher contribution limits available between ages 60 and 63.
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Watch video →Plan details
2026 Contribution Limits
$24,500
2026 base employee deferral limit
Employer Contributions
Discretionary Match
New York Apple Association, Inc. may match part of what you contribute; the amount and formula are decided by the company each year
Vesting Schedule
Varies by Source
Your own contributions and any safe harbor contribution are yours right away. Match, money purchase, and other employer contributions vest gradually over 6 years
Investment lineup
| Fund name | Category | Ticker | Expense ratio |
|---|---|---|---|
| Money Market-Taxable | |||
| Invesco Government Money Market C | Money Market-Taxable | ACNXX | N/A |
| Intermediate Government | |||
| PGIM Government Income CL A | Intermediate Government | PGVAX | N/A |
| Government Mortgage-Backed Bond | |||
| Eaton Vance Government Opportunities A | Government Mortgage-Backed Bond | EVGOX | N/A |
| Intermediate Core-Plus Bond | |||
| Voya Intermediate Bond R6 | Intermediate Core-Plus Bond | IIBZX | N/A |
| Inflation-Protected Bond | |||
| DFA Inflation-Protected Sec Port I | Inflation-Protected Bond | DIPSX | N/A |
| Multisector Bond | |||
| Nuveen Strategic Income A | Multisector Bond | FCDDX | N/A |
| Victory Pioneer Strategic Income R6 | Multisector Bond | STRKX | N/A |
| High Yield Bond | |||
| PGIM High Yield R6 | High Yield Bond | PHYQX | N/A |
| Target-Date Retirement | |||
| Vanguard Target Retirement Income Fund | Target-Date Retirement | VTINX | N/A |
| Global Moderately Aggressive Allocation | |||
| American Funds Capital Inc Bldr R6 | Global Moderately Aggressive Allocation | RIRGX | N/A |
| Target-Date 2025 | |||
| Vanguard Target Retirement 2025 Fund | Target-Date 2025 | VTTVX | N/A |
| Moderate Allocation | |||
| Vanguard Balanced Index Adm | Moderate Allocation | VBIAX | N/A |
| Target-Date 2030 | |||
| Vanguard Target Retirement 2030 Fund | Target-Date 2030 | VTHRX | N/A |
| Target-Date 2035 | |||
| Vanguard Target Retirement 2035 Fund | Target-Date 2035 | VTTHX | N/A |
| Target-Date 2040 | |||
| Vanguard Target Retirement 2040 Fund | Target-Date 2040 | VFORX | N/A |
| Target-Date 2045 | |||
| Vanguard Target Retirement 2045 Fund | Target-Date 2045 | VTIVX | N/A |
| Target-Date 2050 | |||
| Vanguard Target Retirement 2050 Fund | Target-Date 2050 | VFIFX | N/A |
| Target-Date 2055 | |||
| Vanguard Target Retirement 2055 Fund | Target-Date 2055 | VFFVX | N/A |
| Target-Date 2060 | |||
| Vanguard Target Retirement 2060 Fund | Target-Date 2060 | VTTSX | N/A |
| Target-Date 2065 | |||
| Vanguard Target Retirement 2065 Fund | Target-Date 2065 | VLXVX | N/A |
| Target-Date 2070+ | |||
| Vanguard Target Retirement 2070 Fund | Target-Date 2070+ | VSVNX | N/A |
| Large Value | |||
| American Funds Washington Mutual R6 | Large Value | RWMGX | N/A |
| Invesco Dividend Income Fund C | Large Value | IUTCX | N/A |
| Large Blend | |||
| Invesco Rising Dividends C | Large Blend | OCRDX | N/A |
| Vanguard 500 Index Adm | Large Blend | VFIAX | N/A |
| Large Growth | |||
| Allspring Growth A | Large Growth | SGRAX | N/A |
| Victory Pioneer Fundamental Growth R6 | Large Growth | PFGKX | N/A |
| Mid-Cap Value | |||
| MFS Mid Cap Value R6 | Mid-Cap Value | MVCKX | N/A |
| Mid-Cap Growth | |||
| American Century Heritage A | Mid-Cap Growth | ATHAX | N/A |
| Neuberger Mid Cap Growth R6 | Mid-Cap Growth | NRMGX | N/A |
| Small Value | |||
| DFA U.S. Targeted Value Portfolio I | Small Value | DFFVX | N/A |
| Small Growth | |||
| ClearBridge Small Cap Growth IS | Small Growth | LMOIX | N/A |
| MFS New Discovery R1 | Small Growth | MNDGX | N/A |
| Global Large-Stock Growth | |||
| American Funds New Perspective R6 | Global Large-Stock Growth | RNPGX | N/A |
| Global Small/Mid Stock | |||
| Invesco Global Opportunities C | Global Small/Mid Stock | OGICX | N/A |
| Foreign Large Blend | |||
| Invesco International Diversified C | Foreign Large Blend | OIDCX | N/A |
| Vanguard Total Intl Stock Index Adm | Foreign Large Blend | VTIAX | N/A |
| Foreign Large Growth | |||
| American Funds Eupac R6 | Foreign Large Growth | RERGX | N/A |
| Diversified Emerging Mkts | |||
| Invesco Developing Markets C | Diversified Emerging Mkts | ODVCX | N/A |
| Real Estate | |||
| DFA Real Estate Securities Portfolio I | Real Estate | DFREX | N/A |
| Multistrategy | |||
| Invesco Multi-Strategy C | Multistrategy | QOPCX | N/A |
Source: Ascensus, New York Apple Association, Inc. 401(k), August 31, 2026. Returns shown are trailing period total returns. Past performance is not a guarantee of future results.
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