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Nick Aganis
The Original Steve's Diner
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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 Contributions
Safe Harbor Match
The Original Steve's Diner matches what you put in every pay period, and may also make a profit-sharing contribution at year-end
Vesting Schedule
Match: Immediate
Your safe harbor match is yours right away. Profit-sharing money (if any) follows a separate 2–6 year graded schedule.
Investment lineup
| Fund name | Category | Ticker | Expense ratio |
|---|---|---|---|
| U.S. Equity | |||
| BlackRock Russell 3000® Index Fund Cl 6 | U.S. Equity | MG7283 | 0.03% |
| BlackRock Equity Index Fund Class 1 | U.S. Equity | WBREOX | 0.02% |
| Vanguard® FTSE Social Index Adml | U.S. Equity | VFTAX | 0.14% |
| Vanguard® Morningstar Growth Index Adml | U.S. Equity | VIGAX | 0.05% |
| Vanguard® Morningstar Mid Cap Index Adml | U.S. Equity | VIMAX | 0.05% |
| Vanguard® Morningstar Mid Cap Growth Index Adm | U.S. Equity | VMGMX | 0.07% |
| Vanguard® Morningstar Mid Cap Value Index Adm | U.S. Equity | VMVAX | 0.07% |
| Vanguard® Morningstar Small Cap Growth Index Adm | U.S. Equity | VSGAX | 0.07% |
| Vanguard® Morningstar Small Cap Value Index Adm | U.S. Equity | VSIAX | 0.07% |
| Vanguard® Morningstar Small Cap Index Adml | U.S. Equity | VSMAX | 0.05% |
| Vanguard® Morningstar Value Index Adml | U.S. Equity | VVIAX | 0.05% |
| International Equity | |||
| BlackRock MSCI ACWI ex-US Index Cl R | International Equity | WBRMAX | 0.10% |
| DFA International Small Cap Value I | International Equity | DISVX | 0.68% |
| DFA International Small Company I | International Equity | DFISX | 0.53% |
| DFA Emerging Markets Small Cap I | International Equity | DEMSX | 0.66% |
| DFA Emerging Markets Value I | International Equity | DFEVX | 0.53% |
| DFA International Core Equity 2 I | International Equity | DFIEX | 0.30% |
| DFA International Value I | International Equity | DFIVX | 0.43% |
| Fidelity® International Index | International Equity | FSPSX | 0.035% |
| Vanguard® Emerging Mkts Stock Idx Adm | International Equity | VEMAX | 0.14% |
| Sector Equity | |||
| Vanguard® Real Estate Index Adml | Sector Equity | VGSLX | 0.13% |
| DFA Global Real Estate Securities Port | Sector Equity | DFGEX | 0.24% |
| Taxable Bond | |||
| BlackRock U.S. Debt Index Fund Class H1 | Taxable Bond | MG7282 | 0.03% |
| Vanguard® Total Intl Bd Idx Adml | Taxable Bond | VTABX | 0.11% |
| Vanguard® Total Bond Market Index Adm | Taxable Bond | VBTLX | 0.05% |
| Vanguard® Interm-Term Bond Index Adm | Taxable Bond | VBILX | 0.07% |
| Vanguard® Short-Term Bond Index Adm | Taxable Bond | VBIRX | 0.07% |
| Vanguard® Short-Term Infl-Prot Sec Idx Adm | Taxable Bond | VTAPX | 0.06% |
| Nuveen Core and Impact Bond R6 | Taxable Bond | TSBIX | 0.42% |
| Cash & Money Market | |||
| FDIC Insured Master Deposit Account | Cash & Money Market | #BANC | N/A |
| Vanguard® Federal Money Market Investor | Cash & Money Market | VMFXX | 0.11% |
Source: Human Interest, The Original Steve's Diner 401(k) investment menu. Fund category and ticker data as provided by the plan’s recordkeeper.
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