SSBLS Employees' Profit Sharing Plan

This webpage and the links herein provide information and disclosures in regard to the Stoll Stoll Berne Lokting & Shlachter P.C. Employees’ Profit Sharing Plan. Please see the information below:

Eligibility, Plan Documents and New Enrollment Information

Upon the completion of one month of service as a regular employee with Stoll Berne, an employee becomes eligible to participate in the Employees’ Profit Sharing Plan. Please review the Summary Plan Document and Amendments for a description of the Plan.

To enroll in the Plan, you need to complete the following:

1. Summary Plan Receipt Form;
2. Enrollment Form; and
3. Designation of Beneficiary Form.

Enrollment will become effective on the 1st of the next month following the completion and submission of these documents to the Director of Finance & Administration. Please hand in your forms at least one week prior to the end of the month to allow enrollment to commence at the beginning of the next month.

Please note that voting rights are not passed through to participants as the 401(k) Plan funds are pooled together. The Trustees reserve the right to exercise or not exercise votes on behalf of the plan.

How to Make Changes to Your 401(k) Investments

To make changes to your plan, you need to complete the Change Form.

Changes will become effective on the 1st of the next quarter following the completion and submission of the Change Form to the Director of Finance & Administration. Please hand in your form at least two weeks prior to the end of the quarter to allow such changes to be made to your plan.

You may cancel your salary deferrals at any time, but can only make changes to the amount of the deferral, reallocate your funds, or re-enroll on a quarterly basis.

To change your listed beneficiaries, please complete the Beneficiary Change Form and return it to the Director of Finance & Administration.

401(k) Investment Options

The Plan provides you with the option to invest funds deducted from your pay check before taxes (401(k)) or after taxes (Roth 401(k)). The funds in which you can choose to invest include:

1.  Money Market Funds
a. Vanguard Treasury Money Market Investor (VUSXX)

2.  Fixed Income Investments
a. Vanguard Short-Term Investment Grade Admiral (VFSUX) [S/T Bonds]
b. Dodge & Cox Income (DODIX) [Intermediate Bonds]
c. Vanguard Total Bond Market Index (VBTLX) [Intermediate Bonds]
d. Osterweis Strategic Income (OSTIX) [High Yield Bonds]
e. JPMorgan Strategic Income Opportunities (JSORX) [Non-Traditional Bonds]

3. U.S. Equity Investments
a. Dodge & Cox (DODGX) [Value Stocks]
b. Vanguard Value Index Admiral (VVIAX) [Value Stocks]
c. DFA US Core Equity (DFEOX) [Large Blend Stocks]
d. DFA US Sustainability Core (DFSIX) [Large Blend Stocks]
e. Vanguard Total Stock Market Index Admiral (VTSAX) [Large Blend Stocks]
f. Vanguard Growth Index Admiral (VIGAX) [Growth Stocks]
g. Polen Growth Institutional (POLIX) [Growth Stocks]
h. Vanguard Mid-Cap Index Admiral (VIMAX) [Small-Mid Stocks]
i. DFA US Small-Cap (DFSTX) [Small-Cap Stocks]
j. Vanguard Real Estate Index (VGSLX) [Real Estate]

4. International Equity Investments
a. Vanguard Total World Stock Index (VTWSX) [Developed Int’l Stocks]
b. DFA International (DFIEX) [Developed Int’l Stocks]
c. JOHCM International (JOHIX) [Developed Int’l Stocks]
d. IVA International Fund (IVIQX) [Developed Small-Mid Cap Int’l Stocks]
e. Seafarer Overseas Growth and Income (SIGIX) [Emerging Markets Stock]
f. Vanguard Emerging Markets (VEMAX) [Emerging Markets Stock]

5. Strategy Funds
a. Vanguard Target Retirement Income (VTINX) [30% Equity]
b. Vanguard Target Retirement 2020 (VTWNX) [50% Equity]
c. Vanguard Target Retirement 2025 (VTTVX) [60% Equity]
d. Vanguard Balanced Index (VBIAX) [60% Equity]
e. Vanguard LifeStrategy Moderate Growth (VSMGX) [60% Equity]
f. Vanguard Target Retirement 2030 (VTHRX) [70% Equity]
g. Vanguard Target Retirement 2035 (VTTHX) [75% Equity]
h. Vanguard Target Retirement 2040 (VFORX) [80% Equity}
i. Vanguard LifeStrategy Growth (VASGX) [80% Equity]
j. Vanguard Target Retirement 2045 (VTIVX) [90% Equity]
k. Vanguard Target Retirement 2050 (VFIFX) [90%Equity]
l. Vanguard Target Retirement 2055( VFFVX) [90%Equity]
m. Vanguard Target Retirement 2060 (VTTSX) [90%Equity]


Please refer to the links below, which provide performance, benchmarks and fee disclosures for each fund, before enrolling in the Plan or making changes to your deferrals.

Annual Reports and Disclosures:

Twelve-Month Performance and Benchmarks through 6/30/18
Five-Year Performance and Benchmarks through 6/30/18
Ten-Year Performance and Benchmarks through 6/30/18
Fees and Expenses disclosed 8/31/18
Administrative Fees disclosed 6/30/18

Miscellaneous Documents


For further information, please contact Stoll Berne’s Director of Finance & Administration.

(Last updated on May 23, 2019.)