Savista 401(k) Plan

Officially: SAVISTA 401(K) PLAN

Participants: 1,941 Plan assets: $81,342,925 Plan number: 001 Form 5500 plan year: 2024 Last verified: Jun 16, 2026 View Form 5500
Match
Discretionary matching contribution determined and calculated each plan year
Vesting
Immediate vesting in salary deferrals and rollovers; employer contributions vest on a 5-year graded schedule (20% per year starting year one).
Investment Options
24 funds
Auto-Enrollment
Automatic enrollment 35 days after hire date at 6% deferral, increasing annually by 1% until reaching 10%.
Plan Size
$81,342,925

By Zac Murphy, CFA charterholder and CFP professional. Published June 16, 2026. Verified against Form 5500 plan year 2024.

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Allocation Examples

Five sample mixes built from this plan's funds, from conservative to growth. These are educational illustrations showing how the plan's available funds could be combined at different stock-to-bond ratios. They are not recommendations.

Conservative
Conservative

Capital preservation with minimal market exposure, built from bonds and stable value.

US equity   International   Bonds   Stable value
Fidelity® U.S. Bond Index Fund 70%
Vanguard Retirement Savings Trust 30%
0% stocks / 100% bonds
Income & A Little Growth
Income & A Little Growth

Mostly bonds with a small stock sleeve for modest growth.

US equity   International   Bonds   Stable value
Fidelity® U.S. Bond Index Fund 49%
Vanguard Retirement Savings Trust 21%
Fidelity Total Market Index Fund 19%
DFA World ex U.S. Core Equity 8%
Fidelity Mid Cap Index Fund 3%
30% stocks / 70% bonds
Balanced
Balanced

A classic 60/40 split of stocks and bonds.

US equity   International   Bonds   Stable value
Fidelity Total Market Index Fund 39%
Fidelity® U.S. Bond Index Fund 28%
DFA World ex U.S. Core Equity 15%
Vanguard Retirement Savings Trust 12%
Fidelity Mid Cap Index Fund 6%
60% stocks / 40% bonds
Growth & Income
Growth & Income

Stock-heavy with a bond cushion for a long horizon.

US equity   International   Bonds   Stable value
Fidelity Total Market Index Fund 52%
DFA World ex U.S. Core Equity 20%
Fidelity® U.S. Bond Index Fund 14%
Fidelity Mid Cap Index Fund 8%
Vanguard Retirement Savings Trust 6%
80% stocks / 20% bonds
Growth
Growth

All stocks for maximum long-term growth potential, with higher short-term volatility.

US equity   International   Bonds   Stable value
Fidelity Total Market Index Fund 65%
DFA World ex U.S. Core Equity 25%
Fidelity Mid Cap Index Fund 10%
100% stocks / 0% bonds

These allocation examples are educational illustrations built from this plan's available funds and a standard risk-tolerance assessment. They are not personalized investment advice or a recommendation, and risk tolerance is only one factor in an investment decision. You may consider consulting a qualified professional before making changes to your account.

Employer match

Match summary
Discretionary matching contribution determined and calculated each plan year
Match cap --
Effective match rate --
Vesting Immediate vesting in salary deferrals and rollovers; employer contributions vest on a 5-year graded schedule (20% per year starting year one).
Waiting period Employees become eligible to participate effective the first day on which employment commences with no age or service re

Talk to Zac about your 401(k)

Zac Murphy, CFA, CFP® -- Founder of Waterfall Planning
Zac Murphy, CFA, CFP®
CFA charterholder, CFP® professional, and founder of Waterfall Planning

Helps clients build wealth deliberately, through portfolios that match their goals, retirement that arrives on schedule, and tax strategy that keeps more of what they earn.

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Fund lineup

Fund Asset Class Type
Vanguard Retirement Savings Trust Stable Value Other
DFA World ex U.S. Core Equity International Equity Index
Fidelity® U.S. Bond Index Fund US Bonds Index
Fidelity Mid Cap Index Fund US Mid Cap Index
Fidelity Small Cap Index Fund US Small Cap Index
Fidelity Total Market Index Fund US Large Cap Index
Fidelity Large Cap Growth Index Fund US Large Cap Index
Fidelity Total International Index Fund International Equity Index
Vanguard Federal Money Market Fund Money Market Other
Vanguard Target Retirement Income Fund Target-date Index
Vanguard Target Retirement 2020 Target-date Other
Vanguard Target Retirement 2025 Target-date Other
Vanguard Target Retirement 2030 Target-date Other
Vanguard Target Retirement 2035 Target-date Other
Vanguard Target Retirement 2040 Target-date Other
Vanguard Target Retirement 2045 Target-date Other
Vanguard Target Retirement 2050 Target-date Other
Vanguard Target Retirement 2055 Target-date Other
Vanguard Target Retirement 2060 Target-date Other
Vanguard Target Retirement 2065 Target-date Other
Vanguard Target Retirement 2070 Target-date Other
Vanguard Small-Cap Growth Index Admiral US Small Cap Index
Vanguard Small-Cap Value Index Admiral US Small Cap Index
Vanguard Value Index Admiral US Large Cap Index
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Sources

  • Plan metadata (employer, participants, assets, plan year): Form 5500 annual return/report, plan year 2024 -- view filing
  • Summary Plan Description (SPD) and fee disclosure (404a-5), where available from the plan administrator.

This page is for educational purposes only and does not constitute investment, tax, or legal advice, nor a recommendation to buy or sell any security. Information is drawn from public Form 5500 filings and plan documents and may be incomplete or out of date. You may consider consulting a qualified professional and confirming all details with your plan administrator before making decisions. Waterfall Planning is not affiliated with Savista.