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Christopher Hubler
Canandaigua Insurance Agency
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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
Up to 4% Match
Canandaigua Insurance Agency has a Safe Harbor plan that matches part of what you contribute
Vesting Schedule
Immediate
Both the Safe Harbor match and any employer non-elective contributions are 100% vested from day one
Investment lineup
| Fund name | Category | Ticker | Expense ratio |
|---|---|---|---|
| Stability & Bonds | |||
| Putnam Stable Value Fund (25bps) | Stable Value | -- | 0.37% |
| Fidelity U.S. Bond Index Fund | Intermediate Core Bond | FXNAX | 0.03% |
| DFA Inflation-Protected Secs. Portfolio (I) | Inflation-Protected Bond | DIPSX | 0.11% |
| Target Date (Nuveen Lifecycle Index) | |||
| Nuveen Lifecycle Index Ret Inc (R6) | Target Date | TLIRX | 0.10% |
| Nuveen Lifecycle Index 2015 (R6) | Target Date | TLTRX | 0.10% |
| Nuveen Lifecycle Index 2020 (R6) | Target Date | TLWRX | 0.10% |
| Nuveen Lifecycle Index 2025 (R6) | Target Date | TLQRX | 0.10% |
| Nuveen Lifecycle Index 2030 (R6) | Target Date | TLHRX | 0.10% |
| Nuveen Lifecycle Index 2035 (R6) | Target Date | TLYRX | 0.10% |
| Nuveen Lifecycle Index 2040 (R6) | Target Date | TLZRX | 0.10% |
| Nuveen Lifecycle Index 2045 (R6) | Target Date | TLMRX | 0.10% |
| Nuveen Lifecycle Index 2050 (R6) | Target Date | TLLRX | 0.10% |
| Nuveen Lifecycle Index 2055 (R6) | Target Date | TTIRX | 0.10% |
| Nuveen Lifecycle Index 2060 (R6) | Target Date | TVIRX | 0.10% |
| Nuveen Lifecycle Index 2065 (R6) | Target Date | TFIRX | 0.10% |
| Large Cap | |||
| Fidelity 500 Index Fund | Large Blend | FXAIX | 0.02% |
| Fidelity Total Market Index Fund | Large Blend | FSKAX | 0.02% |
| Vanguard® Growth Index Fund (Adm) | Large Growth | VIGAX | 0.05% |
| Vanguard® Value Index Fund (Adm) | Large Value | VVIAX | 0.05% |
| Mid & Small Cap | |||
| Columbia Mid Cap Index Fund (I2) | Mid-Cap Blend | CPXRX | 0.20% |
| Columbia Small Cap Index Fund (I2) | Small Blend | CSXRX | 0.20% |
| DFA Real Estate Securities Portfolio (I) | Real Estate | DFREX | 0.18% |
| Global / International | |||
| Fidelity International Index Fund | Foreign Large Blend | FSPSX | 0.04% |
| Fidelity Emerging Markets Index Fund | Diversified Emerging Mkts | FPADX | 0.08% |
Source: Principal, Canandaigua Insurance Agency 401(k), July 31, 2026. Returns shown are trailing period total returns. Past performance is not a guarantee of future results.
Download fund performance summary (PDF)Contribution calculator
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Estimated balance at age 65
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Based on your inputs
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