EXCEL TRUCK GROUP 401(K) PLAN Investment Options

Available Funds in EXCEL TRUCK GROUP 401(K) PLAN

Below is the lineup of investment options available to participants in EXCEL TRUCK GROUP 401(K) PLAN. This typically includes a mix of mutual funds, index funds, and collective investment trusts (CITs) — which are pooled investment vehicles custom-built for large retirement plans, often with lower expense ratios than their retail mutual fund equivalents.

When evaluating these options, focus on expense ratios (lower is better), asset class coverage (U.S. stocks, international stocks, bonds, and stable value), and whether low-cost index funds are available. Research consistently shows that low-cost, broadly diversified index funds outperform most actively managed funds over the long term.

Total Available Funds: 25
Investment Option List
Transamerica Life Ins Co Transamerica Stbl Val Core Op
T. Rowe Price Mid Cap Val (TRIVX)
American Funds EuroPacific Gr R6 (FEPUX)
Vanguard Target Retrmnt Inc Fund (VTINX)
Vanguard Target Retment 2020 Fund (VTWNX)
Vanguard Target Retment 2025 Fund (VTTVX)
Vanguard Target Retment 2030 Fund (VTHRX)
Vanguard Target Retment 2035 Fund (VTTHX)
Vanguard Target Retment 2040 Fund (VFORX)
Vanguard Target Retment 2045 Fund (VTIVX)
Vanguard Target Retment 2050 Fund (VFIFX)
Vanguard Target Retment 2055 Fund (VFFVX)
Vanguard Target Retment 2060 Fund (VTTSX)
Vanguard Explorer Adm (VAARX)
Vanguard 500 Index Adm (VFINX)
Vanguard Target Retrmnt 2065 Inv (VTOVX)
Columbia Dividend Inc Inst2 (GSFTX)
Eagle Carillon Eagle Mid Cap Gr R6 (HMRYX)
Driehaus Driehaus Emerging Mkts Gr Instl (LIEMX)
JPMorgan Lg Cap Gr R6
Dodge & Cox Dodge & Cox Intnl Stock I (DODFX)
Victory Victory Sycamore Small Co Opp I (VSOIX)
Vanguard Small Cap Index Adm (VISVX)
Vanguard Mid Cap Index Adm (VIMSX)
Vanguard Target Retrmnt 2070 Inv (VTOVX)

Click to view the investment model portfolios of this plan ►

How to Build a Smart Portfolio in Your 401(k)

Your investment lineup is only as good as how you use it. Here are the key steps to building a portfolio that works for your retirement goals:

  1. Know your risk tolerance and timeline. If you are decades from retirement, you can generally afford more stock exposure. Closer to retirement, you may want to shift toward bonds and stable value for capital preservation.
  2. Diversify across asset classes. Spread investments across U.S. stocks, international stocks, bonds, and possibly real estate or stable value. This reduces the impact of any single market downturn.
  3. Favor low-cost index funds. Even a 0.5% difference in annual fees compounds to tens of thousands of dollars over a 30-year career. If your plan offers an S&P 500 index fund or a total stock market index fund at low cost, that is typically a strong core holding.
  4. Consider a target-date fund if you prefer simplicity. Target-date funds automatically adjust your stock/bond allocation as you approach retirement, making them a solid one-fund solution for hands-off investors.
  5. Rebalance at least annually. Over time, your portfolio drifts from its target allocation as some assets outperform others. Rebalancing keeps your risk level consistent.

Learn more in our Four-Step Guide for 401(k) Retirement Investing, or use the Asset Allocation Calculator to find the right mix for your age and risk tolerance.

Model Asset Allocation Portfolios

Not sure how to allocate your investments? These model portfolios are built from core, broadly diversified asset classes using ultra-low-cost index funds. Choose a template that matches your risk tolerance, then adapt it to the specific funds available in EXCEL TRUCK GROUP 401(K) PLAN. See Asset Allocation Portfolio Templates for a detailed guide.

Name YTD Return 1Yr AR 3Yr AR 5Yr AR 10Yr AR 15Yr AR 20Yr AR Common Inception
Four Core Asset Portfolio 4.74% 18.86% 12.42% 5.72% 8.01% 7.30% 6.92% 6.78% 7.27%
Five Core Asset Portfolio 4.70% 18.79% 12.38% 5.55% 7.97% 7.19% 6.94% 6.96% 7.35%
Three Core Asset Portfolio 4.57% 19.80% 13.11% 6.19% 8.52% 7.64% 7.10% 6.74% 7.33%
Two Core Asset Portfolio 3.87% 19.18% 13.68% 6.85% 9.34% 8.84% 7.95% 7.18% 8.42%
Yale Endowment Template 5.35% 17.45% 11.87% 5.56% 8.33% 7.96% 7.55% 7.96% 7.98%
S&P 500 Index 5.97% 30.43% 21.65% 12.98% 15.10% 13.74% 10.93% 8.96% 11.29%
Data as of 05/01/2026, Common starting date is 12/31/2000

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Money headlines from this plan

These filing-based headlines surface the numbers most likely to affect a participant decision. Verify current plan documents before acting.

  • Average plan assets per reported participant: $49,526
    Based on the 2024 public filing. This is a plan-wide average, not a personal retirement target. Calculate a personal retirement target.
  • Employer contributions per reported participant: $1,508
    Based on the 2024 public filing. This reported average can include match, profit sharing, or other employer contributions. Review the match and contribution details.
  • Employee contributions per reported participant: $4,751
    Based on the 2024 public filing. Individual contribution rates vary with pay, eligibility, and participation. Model a contribution increase.
  • Reported administrative expenses as a share of assets: 0.49%
    Based on the 2024 public filing. This plan-level administrative ratio does not replace current fund expense ratios or participant fee disclosures. Estimate the long-term impact of fees.

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Compare TRIVX, FEPUX, VTINX, VTWNX side by side using common return periods and risk measures. Compare funds that serve a similar portfolio role, then review volatility, drawdown, dividends, and fees before choosing.

Use the stock, fund, or portfolio return comparison calculator to test other combinations, then move the selected funds into the portfolio calculator simulator to review the combined allocation.

Browse the fund and ETF ticker research hub to look up other retirement-plan investments by symbol.

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