Baylor Scott & White Holdings 401(k): best low-cost funds
Baylor Scott & White Health Retirement Savings Plan · Plan #002 · Dallas, TX
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.
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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 |
|---|---|---|---|
| Vanguard Institutional 500 Index TR index | Vanguard | Common/collective trust | $711.5M |
| Jpmcb Smartretirement DRE 2035 Cf-c | JP Morgan Chase Bank, NA | Common/collective trust | $386.1M |
| Jpmcb Smartretirement DRE 2040 Cf-c | JP Morgan Chase Bank, NA | Common/collective trust | $353.7M |
| Jpmcb Smartretirement DRE 2045 Cf-c | JP Morgan Chase Bank, NA | Common/collective trust | $328.5M |
| Jpmcb Smartretirement DRE 2050 Cf-c | JP Morgan Chase Bank, NA | Common/collective trust | $285.7M |
| Jpmcb Smartretirement DRE 2030 Cf-c | JP Morgan Chase Bank, NA | Common/collective trust | $282.2M |
| Vanguard Total Bond Market Index TR index | Vanguard | Common/collective trust | $253.4M |
| Vanguard Inst Total Intl STK Mrkt I | Vanguard | Common/collective trust | $218.6M |
| Jpmcb Smartretirement DRE 2025 Cf-c | JP Morgan Chase Bank, NA | Common/collective trust | $212.4M |
| Vanguard Inst Extended Market Index index | Vanguard | Common/collective trust | $204.3M |
| Jpmcb Smartretirement DRE 2055 Cf-c | JP Morgan Chase Bank, NA | Common/collective trust | $195.8M |
| Jpmcb Smartretirement DRE 2020 Cf-c | JP Morgan Chase Bank, NA | Common/collective trust | $109.4M |
| Jpmcb Smartretirement DRE 2060 Cf-c | JP Morgan Chase Bank, NA | Common/collective trust | $95.3M |
| Jpmcb Smartretirement DRE Income CF | JP Morgan Chase Bank, NA | Common/collective trust | $65.7M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $810.7M | 17.4% |
| Common/collective trusts | $3.7B | 79.5% |
| Participant loans | $58.2M | 1.3% |
| Other investments | $84.7M | 1.8% |
Fees paid from plan assets
| Contract administrator fees | $0 |
| Investment advisory & management fees | $0 |
| Other administrative fees | $70,716 |
| Total administrative expenses | $3.7M |
Reported administrative expenses were about 0.084% of average plan assets, or about $74 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 20250729142747NAL0001699491001. EIN 463130985.