What is LUMINAR 401(K)'s employer match?

In 2024, LUMINAR 401(K) reported $4,098,504 in employer contributions. That is about 57.6% of reported employee contributions.

How many participants are in LUMINAR 401(K)?

At the end of 2024, LUMINAR 401(K) reported 746 plan participants.

What are LUMINAR 401(K)'s total assets?

At the end of 2024, LUMINAR 401(K) reported total plan assets of $40,569,039.

When was LUMINAR 401(K) established?

LUMINAR 401(K) was established in 2018.

What are the investment options in LUMINAR 401(K)?

MyPlanIQ tracks the investment lineup for LUMINAR 401(K) on its investment options page: https://www.myplaniq.com/invest/planinvestments/luminar-401k/

LUMINAR 401(K) Investment Options

Available Funds in LUMINAR 401(K)

Below is the lineup of investment options available to participants in LUMINAR 401(K). 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: 27

Investment Description
DODGE & COX INCOME
T. ROWE PRICE BLUE CHIP GROWTH I
DODGE & COX STOCK
JANUS HENDERSON TRITON N
MFS INTERNATIONAL DIVERSIFICATION FUND R6
DIMENSIONAL FUND ADV DFA US TARGET VAL I
FIDELITY FDM INDEX INCOME FUND – IPR
FIDELITY FDM INDEX 2005 IPR
FIDELITY FDM INDEX 2010 IPR
FIDELITY FDM INDEX 2015 IPR
FIDELITY FDM INDEX 2020 IPR
FIDELITY FDM INDEX 2025 IPR
FIDELITY FDM INDEX 2030 IPR
FIDELITY FDM INDEX 2035 IPR
FIDELITY FDM INDEX 2040 IPR
FIDELITY FDM INDEX 2045 IPR
FIDELITY FDM INDEX 2050 IPR
FIDELITY FDM INDEX 2055 IPR
FIDELITY FDM INDEX 2060 IPR
FIDELITY FDM INDEX 2065 IPR
FIDELITY MID CAP INDEX
FIDELITY REAL ESTATE INDEX
FIDELITY SMALL CAP INDEX
FIDELITY TOTAL INTERNATIONAL INDEX
FIDELITY GOVERNMENT MONEY MARKET K6
FIDELITY US BOND INDEX
FIDELITY 500 INDEX

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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:

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.
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.
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.
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.
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 LUMINAR 401(K). 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%	…	…
Five Core Asset Portfolio	4.70%	18.79%	12.38%	5.55%	7.97%	7.19%	6.94%	…	…
Three Core Asset Portfolio	4.57%	19.80%	13.11%	6.19%	8.52%	7.64%	7.10%	…	…
Two Core Asset Portfolio	3.87%	19.18%	13.68%	6.85%	9.34%	8.84%	7.95%	…	…
Yale Endowment Template	5.35%	17.45%	11.87%	5.56%	8.33%	7.96%	7.55%	…	…
S&P 500 Index	5.96%	30.43%	21.65%	12.98%	15.09%	13.73%	10.93%	…	…

Data as of 05/01/2026, Common starting date is 12/31/2000

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