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Fermi National Accelerator Laboratory
Fidelity Investments® Workplace Savings
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Plans & Investments

Plan Details

The 401(a) Retirement Plan for Employees of Fermi Research Alliance, LLC (401(a) Plan)

The 401(a) Plan is a plan set up by your employer to provide employer contributions on your behalf.

  • To learn more before you enroll, see Plan Basics below.
  • Plan Basics

  • Investment Options

Choose from the tiers of investments below. Tiers are distinct categories designed to simplify your investment choices. At any time, you may use investments from any and all tiers.

TARGET DATE FUNDS

Explore Your Investment Options - shows details. Click to open.

When and Why:

Depending on your plan, there are two options to consider: Target Date Funds which are based on an anticipated retirement date and Target Allocation Funds that are based on a risk tolerance and time horizon.

Note: The performance data featured represents past performance, which is no guarantee of future results. Investment return and principal value of an investment will fluctuate, therefore you may have a gain or loss when you sell your shares. Current performance may be higher or lower than the performance data quoted. Click on an investment to view quarter end returns, risk, fees and expenses. 1,2,3,4.

INVESTMENTS ASSET CLASS CATEGORY AVERAGE ANNUAL TOTAL RETURNS CUMULATIVE RETURNS

1 Yr

3 Yr

5 Yr

10 Yr

Life

3 Mon

YTD

As of Date

VANG INCOME & GROWTH

Inception Date 01/21/2022

Blended Investments*

N/A

6.72%

--

--

--

-2.79%

2.95%

5.68%

08/31/2023

VANGUARD TARGET 2020

Inception Date 06/22/2007

Blended Investments*

N/A

5.50%

1.97%

4.18%

5.94%

5.04%

2.37%

4.99%

08/31/2023

VANGUARD TARGET 2025

Inception Date 06/28/2007

Blended Investments*

N/A

7.18%

2.81%

4.81%

6.60%

5.30%

3.20%

6.06%

08/31/2023

VANGUARD TARGET 2030

Inception Date 06/28/2007

Blended Investments*

N/A

8.42%

3.62%

5.29%

7.15%

5.53%

3.83%

6.84%

08/31/2023

VANGUARD TARGET 2035

Inception Date 06/28/2007

Blended Investments*

N/A

9.53%

4.52%

5.81%

7.71%

5.84%

4.37%

7.54%

08/31/2023

VANGUARD TARGET 2040

Inception Date 06/28/2007

Blended Investments*

N/A

10.64%

5.39%

6.29%

8.21%

6.22%

4.95%

8.31%

08/31/2023

VANGUARD TARGET 2045

Inception Date 06/28/2007

Blended Investments*

N/A

11.77%

6.29%

6.82%

8.57%

6.42%

5.49%

9.03%

08/31/2023

VANGUARD TARGET 2050

Inception Date 06/28/2007

Blended Investments*

N/A

12.39%

6.50%

6.96%

8.64%

6.49%

5.84%

9.44%

08/31/2023

VANGUARD TARGET 2055

Inception Date 08/31/2010

Blended Investments*

N/A

12.37%

6.49%

6.95%

8.63%

9.89%

5.80%

9.44%

08/31/2023

VANGUARD TARGET 2060

Inception Date 03/01/2012

Blended Investments*

N/A

12.39%

6.50%

6.98%

8.64%

8.92%

5.80%

9.44%

08/31/2023

VANGUARD TARGET 2065

Inception Date 07/17/2017

Blended Investments*

N/A

12.37%

6.50%

6.99%

--

8.46%

5.79%

9.45%

08/31/2023

VANGUARD TARGET 2070

Inception Date 04/07/2022

Blended Investments*

N/A

12.44%

--

--

--

0.21%

5.80%

--

08/31/2023

VANGUARD TARGET INC

Inception Date 06/22/2007

Blended Investments*

N/A

3.84%

0.47%

3.18%

4.11%

4.44%

1.59%

3.88%

08/31/2023

INDEX FUNDS

Explore Your Investment Options - shows details. Click to open.

When and Why:

Investors may choose from a range of fund choices that reflect different styles and goals.

Note: The performance data featured represents past performance, which is no guarantee of future results. Investment return and principal value of an investment will fluctuate, therefore you may have a gain or loss when you sell your shares. Current performance may be higher or lower than the performance data quoted. Click on an investment to view quarter end returns, risk, fees and expenses. 1,2,3,4.

You may lose money by investing in a money market fund. Not all money market funds operate the same way and depending on the fund, you may be subject to certain operating policies and risks not applicable to other money market funds. Please click on the name of the fund below for risks specific to that fund.

INVESTMENTS ASSET CLASS CATEGORY AVERAGE ANNUAL TOTAL RETURNS CUMULATIVE RETURNS

1 Yr

3 Yr

5 Yr

10 Yr

Life

3 Mon

YTD

As of Date

VANGUARD INST INDEX

Inception Date 07/31/1990

Stock Investments

Large Cap

15.91%

10.49%

11.09%

12.78%

10.21%

8.27%

13.86%

08/31/2023

FID EXTD MKT IDX

Inception Date 11/05/1997

Stock Investments

Mid-Cap

8.39%

5.37%

5.19%

9.08%

8.02%

10.03%

8.08%

08/31/2023

VANG TOT INTL STK IS

Inception Date 04/29/1996

Stock Investments

International

12.15%

4.39%

3.52%

4.70%

4.60%

3.64%

6.50%

08/31/2023

VANG TOT BD MKT INST

Inception Date 12/11/1986

Bond Investments

Income

-1.00%

-4.37%

0.55%

1.47%

5.13%

-0.98%

0.00%

08/31/2023

ACTIVELY MANAGED FUNDS

Explore Your Investment Options - shows details. Click to open.

When and Why:

Investors may choose from a range of fund choices that reflect different styles and goals.

Note: The performance data featured represents past performance, which is no guarantee of future results. Investment return and principal value of an investment will fluctuate, therefore you may have a gain or loss when you sell your shares. Current performance may be higher or lower than the performance data quoted. Click on an investment to view quarter end returns, risk, fees and expenses. 1,2,3,4.

You may lose money by investing in a money market fund. Not all money market funds operate the same way and depending on the fund, you may be subject to certain operating policies and risks not applicable to other money market funds. Please click on the name of the fund below for risks specific to that fund.

INVESTMENTS ASSET CLASS CATEGORY AVERAGE ANNUAL TOTAL RETURNS CUMULATIVE RETURNS

1 Yr

3 Yr

5 Yr

10 Yr

Life

3 Mon

YTD

As of Date

TRP LARGE-CAP GRTH I

Inception Date 10/31/2001

Stock Investments

Large Cap

22.37%

5.02%

11.06%

15.16%

11.06%

9.33%

28.33%

08/31/2023

TRP LARGE-CAP VAL I

Inception Date 03/31/2000

Stock Investments

Large Cap

3.80%

12.51%

6.88%

9.25%

8.10%

6.65%

-0.18%

08/31/2023

WM BLAIR SMIDCP GR I

Inception Date 12/29/2003

Stock Investments

Mid-Cap

11.20%

3.38%

5.31%

10.83%

10.19%

6.97%

4.25%

08/31/2023

DFA US TARGET VALUE

Inception Date 02/23/2000

Stock Investments

Small Cap

11.83%

22.47%

7.27%

9.38%

10.89%

14.33%

3.49%

08/31/2023

DODGE & COX GLB SK X

Inception Date 05/01/2008

Stock Investments

International

17.15%

15.73%

8.45%

9.41%

6.77%

11.13%

12.05%

08/31/2023

GS GQG INTL OPPS R6

Inception Date 12/15/2016

Stock Investments

International

15.73%

4.46%

8.10%

--

10.99%

5.67%

8.67%

08/31/2023

C&S INST REALTY SHS

Inception Date 02/14/2000

Stock Investments

Specialty

-5.12%

6.14%

5.78%

8.42%

10.58%

4.18%

-2.00%

08/31/2023

NY LIFE GIA

Inception Date 02/02/2015

Bond Investments

Stable Value

--

--

--

--

--

--

--

--

BLKRK INFL PRO BD K

Inception Date 06/28/2004

Bond Investments

Income

-3.41%

-1.20%

2.45%

1.96%

3.76%

-1.28%

0.40%

08/31/2023

DL TOTAL RTN BOND I

Inception Date 04/06/2010

Bond Investments

Income

-2.34%

-3.53%

-0.10%

1.55%

3.63%

-1.39%

-0.14%

08/31/2023

MUTUAL FUND SELF-DIRECTED WINDOW

Explore Your Investment Options - shows details. Click to open.

A self-directed brokerage account allows you to make investments beyond those offered in your workplace retirement savings plan.

For more information or to open a self-directed brokerage account, first enroll in your Fidelity workplace retirement savings plan. Then visit www.netbenefits.com > Quick Links > BrokerageLink where you can open an account or review additional information, including the commission schedule for applicable fees and risks.

BrokerageLink includes investments beyond those in your plan's lineup. You should compare investments and share classes that are available in your plan's lineup with those available through BrokerageLink, and determine the available investment and share class that is appropriate for your situation. The plan fiduciary neither evaluates nor monitors the investments available through BrokerageLink. It is your responsibility to ensure that the investments you select are suitable for your situation, including your goals, time horizon, and risk tolerance.

Explore Plan Basics

Learn the plan basics - including eligibility - of each retirement savings plan offered by your employer.

Enrollment - shows details. Click to open.

You will be automatically enrolled in the 401(a) Plan on the first day of the month immediately following the date on which you are eligible.

You are eligible for the 401(a) Plan provided you are in an eligible employee class, age 21+ and complete two (2) years of service (requires at least 1,000 hours per year of service). Dayworker (Seasonal, On call, Temp) employees are not eligible for the 401(a) Plan.

Contributions - shows details. Click to open.

To help you prepare for retirement, FRA contributes an amount equal to 10% of qualified compensation for each employee who meets the eligibility requirements.

Vesting - shows details. Click to open.

When you are "vested" in your savings, it effectively means the money is yours to keep. FRA employer contributions made to the 401(a) Plan are 100% vested, as well as any earnings on them.

Beneficiaries - shows details. Click to open.

Your beneficiary or beneficiaries will inherit your account in the event of your death. You should consider identifying a beneficiary when you enroll in your plan, and updating the information if you experience a life-changing event such as a marriage, divorce, birth of a child, or death in the family.

Fidelity's Online Beneficiaries Service, available through NetBenefits® offers a straightforward, convenient process that takes just minutes.

Go to 'Profile' in the navigation bar at the top of your NetBenefits® page and click on the 'Summary tab' and then 'Beneficiaries'.

Withdrawals - shows details. Click to open.

You are generally allowed to withdraw money from your 401(a) Plan when you terminate your employment or retirement. Loans or in-service withdrawals are not allowed in the 401(a) Plan, however, they are available in the 403(b) Plan.

For more information, call the Fidelity Retirement Services Center at 1-800-343-0860.

Moving money - shows details. Click to open.

If you have retirement savings in another employer's plan or in an IRA, consolidating accounts may help make it easier to manage your savings but there are several options. Be sure to consider all your available options and the applicable fees and features of each before moving your retirement assets.

If you're not sure about the best option for you, talk to a Fidelity representative today. They can explain each option in greater detail so you can make the best choice for your specific needs.

Account access - shows details. Click to open.

Online, on the phone, or in person, you have access to your account the way you want it. Log in online to NetBenefits® virtually 24/7 or call Fidelity at 1-800-343-0860 to speak with a representative or use the automated voice response system.

Additional investment and account information - shows details. Click to open.

Fidelity financial professionals provide complimentary one-on-one consultations for participants in your plan. You can also contact Fidelity for a statement of your account by calling 1-800-343-0860 or visiting NetBenefits®.

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Before investing, consider the investment objectives, risks, charges and expenses of the fund or annuity and its investment options. Contact Fidelity for a prospectus or, if available, a summary prospectus containing this information. Read it carefully.

** The current yield of the money market mutual fund listed above reflects the current earnings of the fund, while the total return refers to a specific past holding period.

*** The yield without applicable waivers or reimbursements, whenever Fidelity is subsidizing all or a portion of the fund's expenses as of the current reporting period. Absent such waivers or reimbursements, the returns would have been lower. Waivers and/or reimbursements may be discontinued any time.

Investing involves risk, including risk of loss.

Footnotes 1, 2, 3 and 4 below pertain to the performance tables located on the Investment Options tab:

1 Stock markets are volatile and can fluctuate significantly in response to company, industry, political, regulatory, market, or economic developments. Investing in stock involves risks, including the loss of principal.

2 Total returns are historical and include change in share price and reinvestment of dividends and capital gains, if any. These figures do not include the effect of sales charges, if any, as these fees are waived for contributions made through your retirement plan. If sales charges were included, returns would have been lower. Life of fund figures are from the inception date to the period shown. For unitized funds, the inception date shown may be that of the fund's underlying investment option. For non-mutual fund pools and trusts whose strategies may be offered to multiple clients, and whose returns may be based on a composite, the inception date shown may be the beginning date of the composite's returns.

3In general, the bond market is volatile, and fixed income securities carry interest rate risk. (As interest rates rise, bond prices usually fall, and vice versa. This effect is usually more pronounced for longer-term securities.) Fixed income securities also carry inflation risk, liquidity risk, call risk, and credit and default risks for both issuers and counterparties. Unlike individual bonds, most bond funds do not have a maturity date, so holding them until maturity to avoid losses caused by price volatility is not possible.

4Target Date Funds are an asset mix of stocks, bonds and other investments that automatically becomes more conservative as the fund approaches its target retirement date and beyond. Principal invested is not guaranteed.

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