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All Participants and Eligible Employees Must Register as New Users.

Please enter your social security number with no dashes as your user id and your date of birth (MMDDYYYY) as your password

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Vista 401(k) Plan

401(k) Plan Highlights

Plan Features

Who can join?

All full-time employees are eligible to participate in the Vista 401(k) Supplemental Retirement Plan.

How the Plan works?

The basic processes are simple:

  • Contributions to the plan are made through regular payroll reductions.
  • Selections from 21 mutual funds are available.
  • No income taxes are paid on any contributions or earnings until they are withdrawn.

How to Enroll

To enroll in the Vista 401(k) Plan simply click the “My Account Login” button on the top of this page to begin the enrollment process.  Please enter your social security number without dashes as your username and your date of birth (MMDDYYY) as your password. You may also complete an enrollment form, downloadable from the “forms” section under the 401(k) Plan page, to include the following information:

  • The per pay period amount or percent you want to contribute.
  • How you want your money invested (You may defer that decision until after you have enrolled but before the first payroll reductions are received by FBMC Benefits Management. If no decision is made, your contributions will be made to the Target Retirement fund closest to your retirement (age 62).
  • The beneficiary who will receive your account in the event of your death.

Mail your completed form to Vista 401(k) plan at P.O. Box 1878, Tallahassee, Florida 32302-1878 or Fax to (850) 425-8345

How to Change Your Investments

You can change your investments by logging into your account, which may be accessed by clicking the “My Account Login  box above or by submitting a paper form. Either method allows you to:

  • Change how your future contributions will be invested.
  • Transfer your existing account balance among the fund choices.

Participant Statement

You will receive personal account statements on a quarterly basis. Your statement will show activity in your account including contributions, GAIN(LOSS), fund transfers and distributions. You may also create a statement for a specified time period when logged into your account.  Once logged in, click the “Documents” tab, then “Statement Request” to create a statement.

You can also obtain daily information from our Retirement Services Team or through the Voice Response System at 1 (800) 213-2310.

You can track your mutual funds’ performance on the Internet or in the newspaper by using the newspaper headings or Ticker/Quotron symbols.


Contribution Limits
The minimum annual contribution is $500.00. The maximum amount for 2023 is $22,500. If you are 50 years old or older the annual limit is $30,000. This changes regularly based on IRS guidelines.”

Tax Savings
Each contribution defers your federal income taxes. Additionally, no taxes are paid on any earnings in the plan until they are withdrawn. Your contributions are, however, subject to Social Security taxes.

Contribution Changes
Changes can be done at any time. Your request will be processed within five (5) business days. The change will be effective the 1st payroll after receipt by your employer’s payroll office (changes can take up to two pay cycles).

Your Investment Choices

AIADX – Inflation Adjusted Bond

The Fund seeks to provide total return and inflation protection consistent with investment in inflation-indexed securities. The fund invests at least 80% of its assets in inflation-adjusted debt securities which include inflation-indexed securities issued by the U.S. Treasury. Morningstar Category:
  Inflation-Protected Bond
Fund inception date:

Benchmark Index:
  Barclays U.S. TIPS Index



RERGX – EuroPacific Growth 

The fund’s investment objective is to provide long-term growth of capital. The fund invests primarily in common stocks of issuers in Europe and the Pacific Basin that the investment adviser believes have the potential for growth. Growth stocks are stocks that the investment adviser believes have the potential for above-average capital appreciation. Morningstar Category:
  Foreign Large Growth
Fund inception date:
Benchmark Index:



Target Date Retirement Series

Depending on the proximity to its target date the fund will seek to achieve the following objectives to varying degrees: growth, income and conservation of capital. The fund will increasingly emphasize income and conservation of capital by investing a greater portion of its assets in bond, equity-income, and balanced funds as it approaches and passes its target date. In this way, the fund seeks to balance total return and stability over time.


Morningstar Category:
  Target Date
Fund inception date:
Benchmark Index:

  Morningstar Mod Tgt Risk TR USD
RFTTX 2010 RFJTX 2015 RRCTX 2020 RFDTX 2025
RFETX 2030 RFFTX 2035 RFGTX 2040 RFHTX 2045
RFITX 2050 RFKTX 2055 RFUTX 2060

RFVTX 2065



OIEJX – Equity Income Fund

The Fund seeks current income through regular payment of dividends with the secondary goal of capital appreciation. The Fund invests 80% of its net assets in the equity securities of corporations that regularly pay dividends, including common stocks and debt securities and preferred stock convertible to common stock. Morningstar Category:
  Large Value
Fund inception date:
Benchmark Index:
  S&P 500 Index



FSPSX – International Index Fund

Seeks to provide investment results that correspond to the total return of foreign stock markets. Normally investing at least 80% of assets in common stocks included in the Morgan Stanley Capital International Europe, Australasia, Far East Index, which represents the performance of foreign stock markets. Morningstar Category:
  Large Blend
Fund Inception Date
Benchmark Index:




TBCIX – Blue Chip Growth Fund

The fund seeks long-term growth of capital by investing primarily in common stocks of well-established large and medium-sized companies. Income is a secondary objective. Focus on “blue chip” companies with the following characteristics: Leading market positions; seasoned management teams; strong financial conditions; Above-average growth and profitability. Morningstar Category:
  Large Growth
Fund inception date:
Benchmark Index:
  S&P 500 Index



LTRHX – Total Return

The Fund seeks a high total return by investing primarily in U.S. Government, mortgage-backed, and investment grade debt securities. The Fund’s duration will be within two years of the Barclays Capital Aggregate Bond Index duration. Morningstar Category:
  Intermediate Core-Plus Bond
Fund inception date:
Benchmark Index:
  Bloomberg U.S. Agg Bond TR USD


The Standard Logo

853527604 – Guaranteed FI VI

A single insurer (The Standard) general account backing the guarantee. General account assets are exclusively managed by The Standard with a long history in the insurance business. This fund maintains a 60/40 split between traditional fixed income and mortgage loan allocations. Morningstar Category:
  Value Fund
Fund inception date:

  >30 Years
Benchmark Index:
  ICE BofA 1-3Y US Corp & Govt TR USD / ICE BofA US 3M Trsy Bill TR USD


VBAIX – Balanced Index Fund

Seeks with 60% of its assets to track the investment performance of a benchmark index that measures the investment return of the overall U.S. stock market. With 40% of its assets, the fund seeks to track the investment performance of a broad, market-weighted bond index. Morningstar Category:
  Allocation– 50% to 70% Equity
Fund inception date:
Benchmark Index:
Balanced Composite Index

VINIX – Institutional Index Fund

Seeks to track the performance of a benchmark index that measures the investment return of large-capitalization stocks. The fund employs an indexing investment approach designed to track the performance of the Standard and Poor’s 500 Index, which is dominated by the stocks of large U.S. companies. Morningstar Category:
  Large Blend
Fund inception date:
Benchmark Index:
  S&P 500 Index

VMCIX – Mid-Cap Index Fund

Seeks to track the performance of a benchmark index that measures the investment return of mid-capitalization stocks. The fund employs an indexing investment approach designed to track the performance of the CRSP US Mid Cap Index, a broadly diversified index of stocks of medium-size companies. Morningstar Category:
  Mid-Cap Blend
Fund inception date:
Benchmark Index:
 Spliced Mid-Cap Index


VSCIX – Small-Cap Index

Seeks to track the performance of a benchmark index that measures the investment return of small-capitalization stocks.


Morningstar Category:
  Small Blend
Fund inception date:
Benchmark Index:
  Spliced Small Cap Index


Q: What is the maximum contribution amount?

A: The contribution limit for 2023 is $22,500. If you are 50-years-old or older, the annual limit is $30,000. This changes regularly based on IRS guidelines.

Plan Details

Fees and Expenses

Vista 401(k) Plan Expenses are as follows:

  • Overall Management- A “wrap” fee of 57.5 basis points, or 0.575% of assets, is assessed from your asset balances and paid to FBMC.
  • Administration – $1.00 per month is assessed to participants no longer actively contributing to their 401(k) account
  • Mutual Fund – There are investment fees that are different for each fund as described in their prospectus. A detailed summary is available at www.vista401k.com.
  • $20 fee for all distributions.
  • $20 fee if you select Rapid Mail. Rapid Mail ensures check delivery in 3-5 business days. Otherwise, delivery will take 7-10 business days.
  • Front-end or loading charge – none.
  • Surrender charge – none.
  • Fees and/or restrictions on transferring plan assets between funds – none.
  • Other charges – none.

Restrictions on Plan Distributions

Your 401(k) account is a long-term investment, designed specifically for your retirement needs. Because of this, the IRS restricts when you can withdraw your money. You are able to withdraw your money when you reach age 59½, retire, terminate employment, become totally and permanently disabled, or have a financial hardship (see Hardship Withdrawal Provisions). Federal law imposes these limitations.

Taxes on Distributions

You pay taxes on your Vista 401(k) plan contributions and your earnings when you withdraw them. If a check is written to you, your distribution will have 20% federal income tax withheld. If you want to avoid paying taxes on your withdrawal, you may do a direct rollover to an IRA or your new employer’s 401(k) plan.

An additional 10% penalty tax will be imposed for distributions made before the age of 59½ except for the following circumstances:

  • Distributions if you have reached age 55 and retired early.
  • Hardship distributions.
  • Distributions to an alternate payee under a qualified domestic relations order, issued by the court in the divorce or dissolution of marriage proceeding.
  • Distributions made due to an employee’s death or disability.
  • A direct rollover to another qualified plan.
  • Purchase of service credits for a Defined Benefit Plan.


Your 401(k) plan has a loan provision to give you access to your money. The following rules apply:

  • You must have a minimum of $2,000 in your account.
  • You can borrow up to 50% of your account balance, with a maximum of $50,000.
  • The minimum loan amount is $1,000.
  • You have a choice of paying your loan back, with interest, in 1,2,3, or 4 years.
  • You pay back your loan through equal payroll deductions.
  • There are no penalties if you prepay your loan, but if you want to pay it off early, you must pay it off in one lump sum.
  • You can only have one loan at a time.
  • The interest rate will be 2% over the prime rate.
  • Your total payment (principal and interest) will be deposited back into your account.
  • There is a thirty (30) day waiting period after you repay a loan before you can take out a new loan.
  • There is an $85 fee for loan processing, which includes State of Florida Documentary Stamp payment.

Hardship Withdrawal Provisions

You must meet specific criteria to qualify for a financial hardship. The IRS allows the following six reasons for hardship withdrawal of your 401(k) funds. The withdrawal cannot exceed the cost of your hardship. ($1,000.00 minimum)

  • Purchase of a primary residence (excluding mortgage payments).
  • Tuition expenses and related educational fees for you or your dependent’s next 12 months of post-secondary education.
  • Expenses incurred by you or your dependents to obtain medical services.
  • Payments to prevent eviction or foreclosure on your primary residence.
  • Payments for burial or funeral expenses for the employee’s deceased parent, spouse, children or dependents.
  • Expenses for the repair of damage to the employee’s principal residence that qualifies for the casualty deduction.

You must complete a hardship withdrawal application that details your financial situation and provide written documentation for all eligible expenses.


You may rollover, on a tax-free exchange basis, funds from a previous employer’s 401(a), 401(k), 403(b), 457 or IRA plans into your 401(k) Plan.

Call Vista 401(k) toll-free at 1-866-325-1278 for information.

This document describes only the main highlights of the plan. In all cases, the plan document legally governs plan benefits and administration.

P.O. Box 1878 Tallahassee, Florida 32302-1878