Board Of Trustees Of The Nydcc Annuity FD 401(k): best low-cost funds
NEW York District Council Of Carpenters Annuity FD · Plan #001 · NEW York, NY
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 |
|---|---|---|---|
| Large CAP Growth/jp Morgan INV Mgmt | Empower Annuity Insurance Company | Pooled separate account | $547.1M |
| Large CAP Value / LSV Asset Mgmt | Empower Annuity Insurance Company | Pooled separate account | $386.9M |
| International Blend Wellington Fund | Empower Annuity Insurance Company | Pooled separate account | $282.5M |
| Small CAP Value/kennedy Capital FD | Empower Annuity Insurance Company | Pooled separate account | $239.7M |
| Small CAP Growth Fund II | Empower Annuity Insurance Company | Pooled separate account | $222.7M |
| Dryden S & P 500 Index Fund index | Empower Annuity Insurance Company | Pooled separate account | $154.4M |
| Core Plus Bond/ream Fund | Empower Annuity Insurance Company | Pooled separate account | $42.2M |
| Empower Aggressive Growth Fund SA | Empower Annuity Insurance Company | Pooled separate account | $35.7M |
| EB Temporary Investment FD | The Bank Of NEW York Mellon | Common/collective trust | $24.2M |
| High Yield Bond/ Prudential Fund | Empower Annuity Insurance Company | Pooled separate account | $14.7M |
| MID CAP Value/integrity Fund | Empower Annuity Insurance Company | Pooled separate account | $11.6M |
| MID CAP Growth/timesquare Fund | Empower Annuity Insurance Company | Pooled separate account | $11.6M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $41.0M | 1.1% |
| Common/collective trusts | $24.2M | 0.7% |
| Pooled separate accounts | $1.9B | 52.8% |
| Participant loans | $61.3M | 1.7% |
Fees paid from plan assets
| Investment advisory & management fees | $73,210 |
| Other administrative fees | $1.1M |
| Total administrative expenses | $3.8M |
Reported administrative expenses were about 0.104% of average plan assets, or about $98 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 20260325100850NAL0004138785001. EIN 510174279.