Allina Health System 401(k): best low-cost funds
Allina 401k Retirement Savings Plan · Plan #002 · Minneapolis, MN
Suggested simple Boglehead mix
The public data doesn't show enough index funds from this plan to suggest a full mix. A typical Boglehead approach: look in your menu for a US total market or S&P 500 index fund, an international index fund, and a US bond index fund, all with expense ratios under about 0.10%. Or use one low-cost target-date index fund. How the 3-fund portfolio works.
Know this plan's fund menu? Submit it and we'll add a fund-by-fund pick list.
Pooled funds named in the filing (Schedule D)
These are collective trusts and similar pooled funds the plan reported holding. Names that look like index funds are tagged index by keyword, so check them yourself. Mutual funds are not listed by name in the free data.
| Fund | Manager | Type | Plan's holding |
|---|---|---|---|
| SP TTL Mrkt IDX CL D | Geode Capital Management Trust | Common/collective trust | $611.8M |
| Prudential Core Plus Bond Fund | Prudential | Common/collective trust | $463.4M |
| Vang Total Intl STK | Vanguard | Common/collective trust | $288.6M |
| FID Contrafund Pool | Fidelity Management Trust Company | Common/collective trust | $241.5M |
| FID Divsfd Intl Pool | Fidelity Management Trust Company | Common/collective trust | $140.3M |
| FID Growth CO Pool | Fidelity Management Trust Company | Common/collective trust | $114.5M |
| TRP Intl SM CAP EQ | T. Rowe Price | Common/collective trust | $91.7M |
| AMG Timessq Mdcp GR | Global Trust Company | Common/collective trust | $89.4M |
| SP EXT MKT IDX CL D | Geode Capital Management Trust | Common/collective trust | $23.5M |
| Separate Accounts | Lincoln National Life Insurance CO | Pooled separate account | $1.0M |
| Separate Accounts | Brighthouse Life Insurance Company | Pooled separate account | $192,153 |
| BTC Total RET Bond M | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $884.9M | 25.1% |
| Common/collective trusts | $2.1B | 58.5% |
| Pooled separate accounts | $1.2M | 0.0% |
| Insurance co. general account | $238.7M | 6.8% |
| Participant loans | $41.5M | 1.2% |
| Other investments | $244.6M | 6.9% |
Fees paid from plan assets
| Investment advisory & management fees | $741,210 |
| Total administrative expenses | $2.7M |
Reported administrative expenses were about 0.081% of average plan assets, or about $77 per participant with a balance. This usually excludes fund expense ratios netted inside mutual funds and trusts.
Source: DOL EFAST2 Form 5500 & Schedules H/D, filing ID 20250729091453NAL0001463171001. EIN 363261413.