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Defined Contribution Plan


HART is a Defined Contribution Plan that has been approved and qualified by the Internal Revenue Service. Some of the key features of the Plan are as follows:

Investment Options

HART offers the following participant directed investment options, listed in order from lowest risk/return potential to highest risk/return potential. Where available, links are provided to online information about the funds.

Symbol Fund Name
N/A Invesco Stable Value Fund (More info)
VBTIX Vanguard Total Bond Market Index Fund Institutional Shares
DODIX Dodge & Cox Income Fund
N/A SSgA U.S. Inflation Protected Bond Index Fund - Class C (pdf)
VTINX Vanguard Target Retirement Fund Investor Shares
N/A State Street Global Advisors Balanced Fund (More info)
PAAIX PIMCO All Asset Fund Institutional Class
N/A SSgA U.S. S&P 500 Index Fund - Class C (More info)
JDEUX JPMorgan Disciplined Equity Fund Class R6
N/A SSgA U.S. S&P Mid Cap Index Fund (pdf)
HIMCX Hartford MidCap HLS Index Fund Class IA
N/A SSgA Russell Small Cap Index Fund - Class P (pdf)
TRSSX T. Rowe Price Institutional Small-Cap Stock Fund
VTIAX Vanguard Total International Stock Index Fund Admiral Shares
RERGX American Funds Europacific Growth Fund Class R6
DFEMX DFA Emerging Markets Portfolio Institutional Class
AREDX American Century Investments Real Estate Fund R6 Class

Participant Accounts

Participants may access their accounts daily and reallocate their investments by clicking here.


Participating agencies may elect to offer the option of loans to their employees. The loan provisions conform to the Department of Labor requirements. Guidelines are as follows:

  • The minimum loan is $1,000 and the maximum is $50,000.
  • The amount available is 50 percent of the participant's vested account balance.

To find out more about the loan program, please contact HART.

Life Insurance

Participating agencies may elect to offer Group Term Life Insurance to participants through Minnesota Life Insurance Company. Please refer to the Group Term Life Insurance page.

Distribution Options

Numerous options are available to the participant at the time of termination or retirement. Please refer to the Retirement Options page.


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