Automatic Data Processing, Inc. 401(k): best low-cost funds
Automatic Data Processing, Inc. Retirement And Savings Plan · Plan #002 · Roseland, NJ
Suggested simple Boglehead mix
- US stocks (~60%): Northern Trust S&P 500 Index Fund
- International stocks (~20-30%): Northern Trust Acwi Ex-us Index FUN
- Bonds (~10-20%): Northern Trust Aggregate Bond Index
Example built from fund names in the filing. Confirm these are on your current menu and check their expense ratios. Adjust the bond share for your age and risk tolerance.
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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 |
|---|---|---|---|
| Northern Trust S&P 500 Index Fund index | Northern Trust Investments, Inc. | Common/collective trust | $1.2B |
| Jpmcb Smartretirement Passive Blend | Jpmorgan Chase Bank, N.A | Common/collective trust | $564.7M |
| Jpmcb Smartretirement Passive Blend | Jpmorgan Chase Bank, N.A | Common/collective trust | $475.9M |
| Wtc-cif II Growth (series 4) | Wellington Trust Company, N.a. | Common/collective trust | $379.2M |
| Northern Trust Acwi Ex-us Index FUN index | Northern Trust Investments, Inc. | Common/collective trust | $338.3M |
| Northern Trust Aggregate Bond Index index | Northern Trust Investments, Inc. | Common/collective trust | $242.4M |
| Loomis Sayles Small CAP Growth Fund | Loomis, Sayles & Company, L.p. | Common/collective trust | $234.5M |
| Fiam Select International Plus Comm | Fidelity Institutional Asset Management Trust Company | Common/collective trust | $226.9M |
| Northern Trust Extended Equity Mark | Northern Trust Investments, Inc. | Common/collective trust | $217.3M |
| Jpmcb Smartretirement Passive Blend | Jpmorgan Chase Bank, N.A | Common/collective trust | $203.8M |
| Jpmcb Smartretirement Passive Blend | Jpmorgan Chase Bank, N.A | Common/collective trust | $190.2M |
| Jpmcb Smartretirement Passive Blend | Jpmorgan Chase Bank, N.A | Common/collective trust | $170.5M |
| Jpmcb Smartretirement Passive Blend | Jpmorgan Chase Bank, N.A | Common/collective trust | $169.1M |
| Jpmcb Smartretirement Passive Blend | Jpmorgan Chase Bank, N.A | Common/collective trust | $163.1M |
| Jpmcb Smartretirement Passive Blend | Jpmorgan Chase Bank, N.A | Common/collective trust | $118.3M |
| Jpmcb Smartretirement Passive Blend | Jpmorgan Chase Bank, N.A | Common/collective trust | $115.5M |
| American Century Global Growth Fund | Global Trust Company | Common/collective trust | $49.8M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $254.0M | 4.0% |
| Common/collective trusts | $5.1B | 80.0% |
| Employer securities (company stock) | $4.2M | 0.1% |
| Common stock (direct) | $739.3M | 11.7% |
| Participant loans | $84.1M | 1.3% |
Fees paid from plan assets
| Investment advisory & management fees | $4.4M |
| Total administrative expenses | $4.4M |
Reported administrative expenses were about 0.076% of average plan assets, or about $95 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 20250709142102NAL0002876323001. EIN 221467904.