human resources, inc. 401(k) plan fund...

TRAILING PERIOD RETURNS

Human Resources, Inc. 401(k) Plan Fund List

FOR THE PERIOD ENDING APRIL 30, 2020

Fund Name SYMBOL YTD1

Year3

Year5

Year10

YearCategoryMorningstar

NetGross

Expense Ratios*

ODVYX Diversified Emerging Mkts -10.45% 2.64%-16.56%Invesco Oppenheimer Developing Market 2.06% 3.71% 0.81%1.00%

Morningstar EM GR USD -17.40% -12.16% 0.57% 0.22% 2.14%

VTIAX Foreign Large Blend -12.29% -0.74%-18.23%Vanguard Total Int'l Stock Index Admiral -0.12% 3.03% 0.11%0.11%

Morningstar Gbl Mkts xUS GR USD -17.74% -11.13% 0.18% 1.01% 3.93%

RERGX Foreign Large Growth -7.60% 2.15%-15.43%American Funds EuroPacific Growth R6 2.11% 5.02% 0.49%0.49%

Morningstar Gbl Mkts xUS GR USD -17.74% -11.13% 0.18% 1.01% 3.93%

VSMAX Small Blend -15.16% 0.96%-19.82%Vanguard Small Cap Index Admiral 3.56% 8.74% 0.05%0.05%

Morningstar US Small Cap TR USD -21.62% -17.50% -1.33% 2.31% 7.84%

VSGAX Small Growth -5.04% 7.69%-11.73%Vanguard Small Cap Growth Index Admir 6.81% 10.59% 0.07%0.07%

Morningstar US Small Growth TR USD -9.66% -6.21% 7.89% 7.30% 10.96%

VSIAX Small Value -23.35% -4.71%-26.45%Vanguard Small Cap Value Index Admiral 0.62% 6.82% 0.07%0.07%

Morningstar US Small Val TR USD -30.45% -28.78% -9.32% -2.53% 5.11%

VIMAX Mid-Cap Blend -8.09% 3.91%-15.02%Vanguard Mid Cap Index Admiral 4.95% 9.94% 0.05%0.05%

Morningstar US Mid Cap TR USD -16.24% -9.41% 4.10% 5.48% 10.32%

JMGRX Mid-Cap Growth -4.51% 10.51%-13.28%Janus Henderson Enterprise I 10.05% 12.90% 0.68%0.75%

Morningstar US Mid Core TR USD -17.56% -10.77% 2.61% 4.48% 10.36%

ACMVX Mid-Cap Value -12.87% -0.91%-19.69%American Century Mid Cap Value 3.77% 8.70% 0.72%0.98%

Morningstar US Mid Val TR USD -27.54% -21.88% -3.93% 1.86% 7.92%

PRDGX Large Blend -0.22% 8.92%-10.92%T. Rowe Price Dividend Growth 9.14% 11.26% 0.53%0.64%

Morningstar US Large Cap TR USD -7.23% 3.70% 10.46% 9.97% 12.08%

SVSPX Large Blend 0.91% 5.19%-9.14%SSgA SP 500 Index 6.74% 10.39% 0.09%0.20%


VFTAX Large Blend 2.48% 10.44%-9.18%Vanguard FTSE Social Index Admiral 9.81% 12.28% 0.14%0.14%


VTSAX Large Blend -1.13% 8.01%-10.38%Vanguard Total Stock Market Index Admi 8.31% 11.29% 0.04%0.04%


PRWAX Large Growth 11.67% 16.72%-0.22%T. Rowe Price New American Growth 13.87% 14.44% 0.68%0.79%

Morningstar US Large Growth TR USD 2.01% 13.32% 17.69% 14.02% 14.83%

JVAYX Large Value -15.66% -0.08%-22.45%JP Morgan Value Advantage R6 2.60% 8.47% 0.63%0.64%

Morningstar US Large Val TR USD -17.00% -7.99% 3.59% 5.51% 8.74%

PHAYX High Yield Bond -4.64% 1.35%-9.03%Putnam High Yield Advantage Y 2.55% 5.11% 0.63%0.77%

N/A N/A N/A N/A N/A N/AN/A N/A

PIMIX Multisector Bond -1.86% 2.45%-5.59%PIMCO Income Inst'l. 3.88% 7.25% 1.05%1.05%

Morningstar US Core Bd TR Hdg USD 4.91% 10.73% 5.13% 3.76% 3.89%

VBIRX Short-Term Bond 6.13% 3.17%3.07%Vanguard Short-Term Bond Index Admira 2.36% 2.16% 0.07%0.07%

Morningstar US 1-5Y Core Bd TR USD 3.00% 6.35% 3.30% 2.49% 2.45%

VSGDX Short Government 5.41% 2.81%2.68%Vanguard Short-Term Fed Admiral 2.07% 1.84% 0.10%0.10%

Morningstar US 1-5Y Tsy&Gv Bd TR USD 3.86% 6.80% 3.24% 2.30% 2.02%

VAIPX Inflation-Protected Bond 9.06% 3.98%4.33%Vanguard Inflation Protected Securities A 2.93% 3.39% 0.10%0.10%

Morningstar US TIPS TR USD 4.37% 9.07% 4.10% 3.03% 3.44%

VBILX Intermediate Core Bond 11.73% 5.53%5.35%Vanguard Intermediate-Term Bond Index 4.15% 4.93% 0.07%0.07%

Morningstar US Core Bd TR Hdg USD 4.91% 10.73% 5.13% 3.76% 3.89%

VMFXX Money Market 1.75% 1.65%0.39%Vanguard Federal Money Market 1.09% 0.55% 0.11%0.11%

Morningstar Cash TR USD 0.41% 1.78% 1.70% 1.11% 0.58%

VMIAX Natural Resources -10.79% -0.78%-16.94%Vanguard Materials Index Admiral 2.04% 6.60% 0.10%0.10%

Morningstar Gbl Upstm Nat Res TR USD -21.20% -17.13% -0.30% -0.37% 0.59%

VGSLX Real Estate -9.08% 1.31%-17.37%Vanguard Real Estate Index Admiral 3.46% 8.07% 0.12%0.12%

Morningstar US Real Estate TR USD -17.81% -10.28% 1.37% 3.36% 7.84%

VTXVX Target-Date 2015 3.36% 4.95%-2.83%Vanguard Target Retirement 2015 4.39% 6.41% 0.13%0.13%

Morningstar Lifetime Mod 2015 TR USD -3.42% 3.12% 5.10% 4.41% 6.26%

VTWNX Target-Date 2020 1.62% 5.01%-5.13%Vanguard Target Retirement 2020 4.65% 6.90% 0.13%0.13%


VTTVX Target-Date 2025 0.50% 5.09%-6.60%Vanguard Target Retirement 2025 4.84% 7.26% 0.13%0.13%


VTHRX Target-Date 2030 -0.59% 5.05%-7.90%Vanguard Target Retirement 2030 4.91% 7.55% 0.14%0.14%

Morningstar Lifetime Mod 2030 TR USD -7.89% -0.48% 5.10% 4.83% 7.51%

VTTHX Target-Date 2035 -1.76% 4.97%-9.19%Vanguard Target Retirement 2035 4.97% 7.83% 0.14%0.14%


VFORX Target-Date 2040 -2.91% 4.88%-10.48%Vanguard Target Retirement 2040 4.98% 8.01% 0.14%0.14%


VTIVX Target-Date 2045 -4.02% 4.64%-11.66%Vanguard Target Retirement 2045 4.91% 7.97% 0.15%0.15%


VFIFX Target-Date 2050 -3.98% 4.65%-11.64%Vanguard Target Retirement 2050 4.91% 7.98% 0.15%0.15%


VFFVX Target-Date 2055 -4.02% 4.64%-11.69%Vanguard Target Retirement 2055 4.87% --- 0.15%0.15%


VLXVX Target-Date 2060+ -4.12% --- -11.77%Vanguard Target Retirement 2065 --- --- 0.15%0.15%


VTTSX Target-Date 2060+ -4.02% 4.63%-11.69%Vanguard Target Retirement 2060 4.87% --- 0.15%0.15%


VTINX Target-Date Retirement 4.12% 4.56%-1.84%Vanguard Target Retirement Income 3.95% 5.22% 0.12%0.12%

Morningstar Lifetime Mod Incm TR USD -3.33% 2.04% 4.08% 3.58% 4.97%

FATIX Technology 19.98% 20.26%1.86%Fidelity Advisor Technology I 19.18% 16.75% 0.57%0.76%

Morningstar US Technology TR USD 0.15% 15.15% 19.99% 17.98% 15.99%

FIUIX Utilities -2.55% 5.39%-12.33%Fidelity Telecom & Utilities 5.92% 10.03% 0.51%0.75%

Morningstar US Utilities TR USD -11.33% -0.73% 6.88% 8.94% 10.63%

Investment returns do not include participant level administration and asset fees. These charges, if included, would reduce total return.

Performance data is provided by Morningstar. For more information including a prospectus and investment glossary, please visit www.slavic401k.com. Calendar-year results for 2020 are based on

preliminary data and may not reflect dividends and capital gains that have not yet been reported to Morningstar. Also, performance data may reflect a different share class of the identical mutual

fund to demonstrate longer term performance.

The cost of investing in a particular fund can easily be estimated by multiplying the gross expense ratio by $1000. For example, a fund with a gross expense ratio of 0.65% will cost the participant

$6.50 on annual basis for each $1000 invested in the fund. An index fund with an expense ratio of 0.05% will cost $0.50 per $1000 invested.

The index funds used for benchmarking are the Vanguard 500 Index Fund and the Vanguard Total Bond Market index fund unadjusted for fees.

Portfolio Allocation

SLAVIC MANAGED OPTIONS

*Certain mutual fund companies pay the Broker of Record or the 401(k) Record-Keeper fees based upon assets in their funds. These fees are called 12b-1, Shareholder Subsidy or Sub TA fees.

Slavic’s policy is to credit back these fees to participants owning the funds at the time payment is received. The gross expense ratio displayed does not reflect the credit which reduces the actual

expenses of the fund. In addition some funds may waive a portion of their expense ratio. These waivers are also not reflected on the gross expense ratio.

0.11% 6.88% 6.68%SMF Aggressive Portfolio Managed AggressiveN/A -8.08% 0.36% 0.36%8.40%

0.17% 5.18% 5.00%SMF Moderate Portfolio Managed ModerateN/A -6.33% 0.37% 0.37%6.12%

1.45% 3.40% 3.06%SMF Conservative Portfolio Managed ConservativeN/A -2.73% 0.36% 0.36%3.62%

Growth

American Century Mid Cap Value InvACMVX

96.64

Investment Aproach

Overall Rating MorningStar Category Net Assets$1,036,959,989.50

Gross Net

Equity Style Fixed-Income Style

Trailing-Period Performance

Composition

Cash

Stocks

Bonds

Other

3.36

0

0

Risk and Return Profile

YTD 3 Mo 1 Yr 5 Yr3 Yr

-0.91%

10 Yr

-12.87%-19.69%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

Zimmer Biome1.2. Northern Trust3. Emerson Electr

4.5.

Edison InternatioChubb Ltd

LowHigh

Top 5 Managers Start Date

1.2.3.4.

Kevin ToneyN/AN/AN/A

NAV13.69

Sector Weightings

Information Econo1.2.3.

Service EconomyManufacturing Econ

1.149.04

20.55

-17.07%

4 5LowHigh

08/29/2008

5. N/A

%124 funds 114 funds

3.77% 8.70%

Expense Ratios

0.98% 0.72%

Total Return as of 04/30/2020

Foreign Stock

American Funds Europacific Growth RERGX

90.67

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

9.23

0.09

0.01



2.15%

10 Yr

-7.60%-15.43%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

AIA Group Ltd1.2. ASML Holding3. Reliance Indust

4.5.

Daiichi Sankyo CNintendo Co Ltd

AverageAverage


1.2.3.4.

Jonathan KnowlesSung LeeNicholas GraceJesper Lyckeus

NAV46.98

Sector Weightings



5.3213.3214.7

-12.77%

2 3AverageAverage

06/01/200606/01/200206/01/200206/01/2004

5. Noriko Chen 2020-01-06


2.11% 5.02%

Expense Ratios

0.49% 0.49%


Specialty - Technology

Fidelity Advisor® Technology IFATIX

97.19

Investment Aproach

Overall Rating MorningStar Category Net Assets$383,750,907.00

Gross Net



Composition

Cash

Stocks

Bonds

Other

2.2

0

0.61



20.26%

10 Yr

19.98%1.86%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

Apple Inc1.2. Microsoft Corp3. Adobe Inc

4.5.

Mastercard Inc AFacebook Inc A

AverageAbove Average


1.2.3.4.

Nidhi GuptaN/AN/AN/A

NAV65.55

Sector Weightings



02.277.7

-2.66%

4 4Average

Above Average

07/15/2018

5. N/A

%90 funds 78 funds

19.18% 16.75%

Expense Ratios

0.76% 0.57%


Specialty - Utility

Fidelity® Telecom and UtilitiesFIUIX

98.01

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

1.99

0

0



5.39%

10 Yr

-2.55%-12.33%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

Verizon Comm1.2. AT&T Inc3. NextEra Energ

4.5.

Dominion EnergExelon Corp

Below AverageAverage


1.2.3.4.

Douglas SimmonsN/AN/AN/A

NAV24.06

Sector Weightings



000

-14.53%

3 3Below Average

Average

09/30/2005

5. N/A

%25 funds 22 funds

5.92% 10.03%

Expense Ratios

0.75% 0.51%


Diversified Emerging Markets

Invesco Oppenheimer Developing MarODVYX

90.28

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

3.04

0.72

5.95



2.64%

10 Yr

-10.45%-16.56%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

Alibaba Group 1.2. Master China S3. Taiwan Semico

4.5.

Kering SATencent Holding

Below AverageHigh


1.2.3.4.

Justin LeverenzN/AN/AN/A

NAV38.05

Sector Weightings



4.725.9324.29

-13.21%

4 4Below Average

High

05/01/2007

5. N/A


2.06% 3.71%

Expense Ratios

1.00% 0.81%


Growth

Janus Henderson Enterprise IJMGRX

94.15

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

5.61

0

0.24



10.51%

10 Yr

-4.51%-13.28%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

Constellation S1.2. NICE Ltd AD3. Aon PLC

4.5.

Crown Castle IntGlobal Payments



1.2.3.4.

Philip Cody WheaN/AN/AN/A

NAV123.6

Sector Weightings



06.85

13.04

-13.69%

3 4Average

Above Average

07/01/2016

5. N/A


10.05% 12.90%

Expense Ratios

0.75% 0.68%


Growth and Income

JPMorgan Value Advantage R6JVAYX

96.48

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

3.51

0

0



-0.08%

10 Yr

-15.66%-22.45%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

Bank of Americ1.2. Johnson & Joh3. Verizon Comm

4.5.

Berkshire HathawPNC Financial Se

Above AverageAverage


1.2.3.4.

Jonathan SimonN/AN/AN/A

NAV28.91

Sector Weightings



1.318.8229.8

-19.56%

2 2Above Average

Average

02/28/2005

5. N/A


2.60% 8.47%

Expense Ratios

0.64% 0.63%


Multisector Bond

PIMCO Income InstlPIMIX

0.86

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

5.6

92.99

0.56



2.45%

10 Yr

-1.86%-5.59%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

Irs Usd 3.000001.2. Irs Jpy 0.45000 3. Irs Eur 0.00000

4.5.

5 Year Treasury Federal National

Below AverageHigh


1.2.3.4.

Alfred MurataN/AN/AN/A

NAV11.15

Sector Weightings



00.120.11

-6.34%

4 5Below Average

High

03/15/2013

5. N/A

%85 funds 71 funds

3.88% 7.25%

Expense Ratios

1.05% 1.05%


Corporate Bond - High Yield

Putnam High Yield YPHAYX

1.39

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

6.13

92.5

0



1.35%

10 Yr

-4.64%-9.03%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

CCO Holdings,1.2. Ally Financial I3. Sprint Corporat

4.5.

Community HealTempo Acquisiti



1.2.3.4.

Paul ScanlonN/AN/AN/A

NAV5.56

Sector Weightings



00

0.18

-9.10%

3 3Average

Above Average

12/31/2002

5. N/A


2.55% 5.11%

Expense Ratios

0.77% 0.63%


Growth

State Street S&P 500 Index NSVSPX

98.26

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

1.74

0

0



5.19%

10 Yr

0.91%-9.14%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

Microsoft Corp1.2. Apple Inc3. Amazon.com I

4.5.

Facebook Inc AE-mini S&P 500

HighAverage


1.2.3.4.

Michael FeehilyN/AN/AN/A

NAV210.5

Sector Weightings



2.079.48

13.51

-9.07%

2 3High

Average

12/19/2016

5. N/A


6.74% 10.39%

Expense Ratios

0.20% 0.09%


Equity-Income

T. Rowe Price Dividend GrowthPRDGX

96.02

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

3.98

0

0



8.92%

10 Yr

-0.22%-10.92%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

Microsoft Corp1.2. Apple Inc3. Visa Inc Class

4.5.

JPMorgan Chase Danaher Corp

LowAbove Average


1.2.3.4.

Thomas HuberN/AN/AN/A

NAV47.34

Sector Weightings



3.337.56

16.01

-11.07%

5 5Low

Above Average

03/31/2000

5. N/A


9.14% 11.26%

Expense Ratios

0.64% 0.53%


Growth

T. Rowe Price New America GrowthPRWAX

96.4

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

3.48

0

0.12



16.72%

10 Yr

11.67%-0.22%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

Amazon.com I1.2. Microsoft Corp3. Apple Inc

4.5.

UnitedHealth GrFacebook Inc A



1.2.3.4.

Justin WhiteN/AN/AN/A

NAV54.65

Sector Weightings



1.2317.23

6.3

-3.19%

4 4Average

Above Average

04/01/2016

5. N/A


13.87% 14.44%

Expense Ratios

0.79% 0.68%


Money Mkt - Government

Vanguard Federal Money Market InveVMFXX

0

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

68.8

31.2

0



1.65%

10 Yr

1.75%0.39%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

SUMITOMO 1.2. United States T3. United States T

4.5.

United States TreUnited States Tre

N/AN/A


1.2.3.4.

John LaniusN/AN/AN/A

NAV1

Sector Weightings

1.2.3.

000

0.25%

0 0N/AN/A

12/28/2007

5. N/A

%0 funds 0 funds

1.09% 0.55%

Expense Ratios

0.11% 0.11%


Growth

Vanguard FTSE Social Index AdmiralVFTAX

99.46

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

0.54

0

0



10.44%

10 Yr

2.48%-9.18%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings


4.5.

Facebook Inc AAlphabet Inc Cla

AverageHigh


1.2.3.4.

William ColemanN/AN/AN/A

NAV27.49

Sector Weightings



2.111.2513.84

-9.39%

5 5Average

High

12/22/2015

5. N/A


9.81% 12.28%

Expense Ratios

0.14% 0.14%


Government Bond - Treasury

Vanguard Inflation-Protected Secs AdVAIPX

0

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

0.03

99.97

0



3.98%

10 Yr

9.06%4.33%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

United States T1.2. United States T3. United States T

4.5.




1.2.3.4.

Gemma Wright-CN/AN/AN/A

NAV26.99

Sector Weightings

1.2.3.

000

2.20%

4 4Average

Above Average

08/19/2011

5. N/A

%56 funds 52 funds

2.93% 3.39%

Expense Ratios

0.10% 0.10%


Income

Vanguard Interm-Term Bond Index AdVBILX

0

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

0.41

99.59

0



5.53%

10 Yr

11.73%5.35%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings


4.5.


HighHigh


1.2.3.4.

Joshua BarrickmanN/AN/AN/A

NAV12.34

Sector Weightings

1.2.3.

000

2.69%

5 5HighHigh

04/25/2008

5. N/A


4.15% 4.93%

Expense Ratios

0.07% 0.07%


Specialty - Unaligned

Vanguard Materials Index AdmiralVMIAX

99.81

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

0.19

0

0



-0.78%

10 Yr

-10.79%-16.94%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

Linde PLC1.2. Air Products & 3. Ecolab Inc

4.5.

Sherwin-WilliamsNewmont Corp

Below AverageAbove Average


1.2.3.4.


NAV56.52

Sector Weightings



82.9514.51

0

-11.13%

4 4Below AverageAbove Average

08/31/2015

5. N/A

%53 funds 49 funds

2.04% 6.60%

Expense Ratios

0.10% 0.10%


Growth

Vanguard Mid Cap Index AdmiralVIMAX

99.96

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

0.03

0

0



3.91%

10 Yr

-8.09%-15.02%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

Newmont Corp1.2. Centene Corp3. SBA Communi

4.5.

Digital Realty TruWEC Energy Gr

Below AverageHigh


1.2.3.4.

Michael JohnsonN/AN/AN/A

NAV186.6

Sector Weightings



4.5911

11.46

-14.81%

4 4Below Average

High

04/27/2016

5. N/A


4.95% 9.94%

Expense Ratios

0.05% 0.05%


Specialty - Real Estate

Vanguard Real Estate Index AdmiralVGSLX

99.07

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

0.92

0

0



1.31%

10 Yr

-9.08%-17.37%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

Vanguard Real 1.2. American Towe3. Crown Castle I

4.5.

Prologis IncEquinix Inc

Above AverageAverage


1.2.3.4.

Walter NejmanN/AN/AN/A

NAV107.9

Sector Weightings



00

0.01

-18.33%

3 3Above Average

Average

05/25/2016

5. N/A

%80 funds 72 funds

3.46% 8.07%

Expense Ratios

0.12% 0.12%


Income

Vanguard Short-Term Bond Index AdVBIRX

0

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

0.67

99.33

0



3.17%

10 Yr

6.13%3.07%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings


4.5.




1.2.3.4.

Joshua BarrickmanN/AN/AN/A

NAV10.82

Sector Weightings

1.2.3.

000

2.11%


02/22/2013

5. N/A


2.36% 2.16%

Expense Ratios

0.07% 0.07%


Government Bond - General

Vanguard Short-Term Federal AdmVSGDX

0

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

3.86

96.14

0



2.81%

10 Yr

5.41%2.68%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

Federal Nation1.2. Resolution Fun3. Federal Nation

4.5.

Federal Home LoFederal National



1.2.3.4.

Brian QuigleyN/AN/AN/A

NAV10.94

Sector Weightings

1.2.3.

000

1.92%

4 5Average

Above Average

01/02/2015

5. N/A

%44 funds 43 funds

2.07% 1.84%

Expense Ratios

0.10% 0.10%


Small Company

Vanguard Small Cap Growth Index AdVSGAX

97.76

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

2.24

0

0



7.83%

10 Yr

-5.04%-11.73%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

DocuSign Inc1.2. Tyler Technolo3. West Pharmace

4.5.

Teladoc Health ITeledyne Techno

AverageAverage


1.2.3.4.


NAV61.58

Sector Weightings



2.258.754.21

-11.42%

3 3AverageAverage

04/27/2016

5. N/A


6.94% 10.71%

Expense Ratios

0.07% 0.07%


Small Company

Vanguard Small Cap Index AdmVSMAX

99.95

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

0.05

0

0



0.96%

10 Yr

-15.16%-19.82%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

DocuSign Inc1.2. Leidos Holding3. Steris PLC

4.5.

Atmos Energy CTyler Technologi

Below AverageHigh


1.2.3.4.


NAV63.41

Sector Weightings



3.859.79

13.23

-18.16%

5 4Below Average

High

04/27/2016

5. N/A


3.56% 8.74%

Expense Ratios

0.05% 0.05%


Small Company

Vanguard Small Cap Value Index AdmVSIAX

98.31

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

1.67

0

0.02



-4.71%

10 Yr

-23.35%-26.45%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

Leidos Holding1.2. Atmos Energy 3. IDEX Corp

4.5.

Booz Allen HamiMedical Propertie

Below AverageHigh


1.2.3.4.


NAV43.15

Sector Weightings



5.2210.3621.31

-23.86%

4 4Below Average

High

04/27/2016

5. N/A


0.62% 6.82%

Expense Ratios

0.07% 0.07%


Asset Allocation

Vanguard Target Retirement 2015 InvVTXVX

35.69

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

2.7

61.6

0.01



4.95%

10 Yr

3.36%-2.83%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

Vanguard Total1.2. Vanguard Total3. Vanguard Total

4.5.

Vanguard Total IVanguard Shrt-T



1.2.3.4.


NAV14.75

Sector Weightings



1.513.625.5

-3.47%


02/22/2013

5. N/A

%30 funds 23 funds

4.39% 6.41%

Expense Ratios

0.13% 0.13%


Asset Allocation

Vanguard Target Retirement 2020 InvVTWNX

49.65

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

2.25

48.1

0.01



5.01%

10 Yr

1.62%-5.13%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings


4.5.

Vanguard Total IVanguard Shrt-T

AverageHigh


1.2.3.4.


NAV30.86

Sector Weightings



2.115.037.65

-5.34%

4 4Average

High

02/22/2013

5. N/A

%50 funds 40 funds

4.65% 6.90%

Expense Ratios

0.13% 0.13%


Asset Allocation

Vanguard Target Retirement 2025 InvVTTVX

59.51

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

1.74

38.75

0.02



5.09%

10 Yr

0.50%-6.60%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings


4.5.

Vanguard Total I



1.2.3.4.


NAV18.53

Sector Weightings



2.536.039.17

-6.60%

4 4Average

Above Average

02/22/2013

5. N/A

%52 funds 43 funds

4.84% 7.26%

Expense Ratios

0.13% 0.13%


Asset Allocation

Vanguard Target Retirement 2030 InvVTHRX

66.89

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

1.68

31.42

0.02



5.05%

10 Yr

-0.59%-7.90%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings


4.5.

Vanguard Total I



1.2.3.4.


NAV33.57

Sector Weightings



2.846.78

10.31

-7.67%

4 4Average

Above Average

02/22/2013

5. N/A

%52 funds 42 funds

4.91% 7.55%

Expense Ratios

0.14% 0.14%


Asset Allocation

Vanguard Target Retirement 2035 InvVTTHX

74.27

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

1.63

24.07

0.02



4.97%

10 Yr

-1.76%-9.19%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings


4.5.

Vanguard Total I



1.2.3.4.


NAV20.45

Sector Weightings



3.167.53

11.45

-8.75%

4 4Average

Above Average

02/22/2013

5. N/A

%51 funds 42 funds

4.97% 7.83%

Expense Ratios

0.14% 0.14%


Asset Allocation

Vanguard Target Retirement 2040 InvVFORX

81.65

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

1.59

16.73

0.02



4.88%

10 Yr

-2.91%-10.48%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings


4.5.

Vanguard Total I



1.2.3.4.


NAV35.03

Sector Weightings



3.468.28

12.57

-9.79%

4 4Average

Above Average

02/22/2013

5. N/A

%52 funds 42 funds

4.98% 8.01%

Expense Ratios

0.14% 0.14%


Asset Allocation

Vanguard Target Retirement 2045 InvVTIVX

88.77

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

1.51

9.7

0.02



4.64%

10 Yr

-4.02%-11.66%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings


4.5.

Vanguard Total I



1.2.3.4.


NAV21.82

Sector Weightings



3.769

13.67

-10.76%

4 4Average

Above Average

02/22/2013

5. N/A

%51 funds 42 funds

4.91% 7.97%

Expense Ratios

0.15% 0.15%


Asset Allocation

Vanguard Target Retirement 2050 InvVFIFX

88.5

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

1.6

9.87

0.02



4.65%

10 Yr

-3.98%-11.64%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings


4.5.

Vanguard Total I



1.2.3.4.


NAV35.14

Sector Weightings



3.758.97

13.63

-10.72%

4 4Average

Above Average

02/22/2013

5. N/A

%52 funds 42 funds

4.91% 7.98%

Expense Ratios

0.15% 0.15%


Asset Allocation

Vanguard Target Retirement 2055 InvVFFVX

88.36

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

1.75

9.87

0.02



4.64%

10 Yr

-4.02%-11.69%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings


4.5.

Vanguard Total I



1.2.3.4.


NAV38.14

Sector Weightings



3.758.96

13.61

-10.78%

4 4Average

Above Average

02/22/2013

5. N/A

%50 funds 40 funds

4.87% N/A

Expense Ratios

0.15% 0.15%


Asset Allocation

Vanguard Target Retirement 2060 InvVTTSX

88.27

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

1.84

9.87

0.02



4.63%

10 Yr

-4.02%-11.69%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings


4.5.

Vanguard Total I

Below AverageAverage


1.2.3.4.


NAV33.7

Sector Weightings



3.768.95

13.61

-10.78%

4 3Below Average

Average

02/22/2013

5. N/A

%39 funds 17 funds

4.87% N/A

Expense Ratios

0.15% 0.15%


Asset Allocation

Vanguard Target Retirement 2065 InvVLXVX

88.72

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

1.38

9.87

0.02



0.00%

10 Yr

-4.12%-11.77%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings


4.5.

Vanguard Total I

N/AN/A


1.2.3.4.


NAV21.22

Sector Weightings



3.778.99

13.67

-10.88%

0 0N/AN/A

07/12/2017

5. N/A

%0 funds 0 funds

N/A N/A

Expense Ratios

0.15% 0.15%


Asset Allocation

Vanguard Target Retirement Income IVTINX

29.89

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

2.89

67.19

0.01



4.56%

10 Yr

4.12%-1.84%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

Vanguard Total1.2. Vanguard Total3. Vanguard Shrt-

4.5.

Vanguard Total IVanguard Total I



1.2.3.4.


NAV13.74

Sector Weightings



1.283.034.62

-2.60%


02/22/2013

5. N/A

%38 funds 34 funds

3.95% 5.22%

Expense Ratios

0.12% 0.12%


Foreign Stock

Vanguard Total Intl Stock Index AdmirVTIAX

97.91

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

1.89

0.15

0.06



-0.74%

10 Yr

-12.29%-18.23%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings

Alibaba Group 1.2. Nestle SA3. Tencent Holdin

4.5.

Roche Holding ATaiwan Semicond

AverageAverage


1.2.3.4.

Christine FranquinN/AN/AN/A

NAV24.36

Sector Weightings



7.1110.3717.5

-15.42%

3 3AverageAverage

11/30/2017

5. N/A


-0.12% 3.03%

Expense Ratios

0.11% 0.11%


Growth

Vanguard Total Stock Mkt Idx AdmVTSAX

99.07

Investment Aproach


Gross Net



Composition

Cash

Stocks

Bonds

Other

0.89

0.04

0



8.01%

10 Yr

-1.13%-10.38%

Morningstar 3Yr 5Yr

RatingRiskReturn

Top 5 Holdings


4.5.

Facebook Inc AAlphabet Inc A



1.2.3.4.

Walter NejmanN/AN/AN/A

NAV71.07

Sector Weightings



2.229.74

13.64

-10.31%

3 3Average

Above Average

04/27/2016

5. N/A


8.31% 11.29%

Expense Ratios

0.04% 0.04%


These are summary Morningstar descriptions. Log onto www.morningstar.com for complete Morningstar information. Log onto www.slavic401k to download a fund prospectus. The Morningstar performance data does not include participant level administration and asset fees. These charges, if included, would reduce total return.

The Morningstar Rating TM, commonly called the “star rating”, is a quantitative measure of both performance and risk. Each month, Morningstar scores funds with similar investment strategies on risk and return over 3, 5, or 10 years, using the amount of variation in a fund’s performance as a measure of risk. All funds with at least a 3-year history are ranked in a “category”. Morningstar categories are assigned to a fund based on the underlying securities a fund has invested in over the past 3 years. Funds with scores in the top 10% of each category receive 5-stars (highest); the next 22.5% receive 4-stars (above average); the next 35% receive 3-stars (average); the next 22.5% receive 2-stars (below average); and the bottom 10% receive 1-star (lowest). Past performance is no guarantee of future results.

Important Notice

All Morningstar data is © 2020 by Morningstar, Inc. All rights reserved. The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results. Morningstar ratings are applicable to the portfolio only and reflect historical risk-adjusted performance as of APRIL 30, 2020. Although gathered from reliable sources, the information is not represented or warranted by Morningstar to be accurate, correct, complete or timely.

There are no guarantees as to future performance of any mutual fund. Investment in common stocks and other equity securities is particularly subject to the risks of changing economic, stock market, industry, and company conditions and the risks inherent in the fund managers ability to anticipate such changes that can adversely affect the value of a fund’s holdings. In the case of debt securities, security values usually change when interest rates change. Generally, when interest rates go up, the value of a debt security goes down and when interest rates go down, the value of the debt security goes up. Past performance is not a guarantee of future results. Investment return and principal value will fluctuate so that when redeemed, an investor’s shares may be worth more or less than their original cost. Read the prospectus carefully before investing. Funds that fall under the Morningstar Category of “Specialty” investments are concentrated in certain sectors of the markets and generally have a higher risk than the overall stock market. These investments are only available as a small portion of your overall portfolio. Do not exceed 10% of your total assets in any one of these funds or 30% in any combination. Conservative investors closer to retirement should not invest in Specialty funds without professional guidance.

The key to balancing the risk/reward relationship of your overall portfolio is a well-diversified strategy. The Investor Qualification Worksheet in your Enrollment Guide will help you determine your risk profile. You may also speak with your Registered Investment Advisor. visit www.slavic401k.com or call 1-800-356-3009 to speak with a representative.

Account trades are cleared through Mid Atlantic or Fidelity. Slavic pays 4 basis points to trade through these networks, which is included in the Slavic asset fee and not assessed as an additional fee to participants. If your plan utilizes the Fidelity trading platform, Fidelity retains 25% of any shareholder servicing and sub TA fees paid by the funds. That portion is not reimbursed back to plan participants; however, 75% is reimbursed. If your plan utilizes the Mid Atlantic trading platform, Mid Atlantic retains 10% of any shareholder servicing and sub TA fees paid by the funds. That portion is not reimbursed back to plan participants; however, 90% is reimbursed. Most fund options do not pay these types of fees and participants are not affected accordingly.

The cumulative effect of fees and expenses can substantially reduce the growth of your retirement savings. Visit the Department of Labor’s web site for an example showing the long-term effect of fees and expenses at http://www.dol.gov/ebsa/publications/401k. Fees and expenses are only one of many factors to consider when you decide to invest in an option. You may also want to think about whether an investment in a particular option, along with your other investments, will help you achieve your financial goals.

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