Cardinal Health, Inc. 401(k): best low-cost funds
Cardinal Health 401(k) Savings Plan · Plan #055 · Dublin, OH
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 |
|---|---|---|---|
| Fidelity Growth CO Commingled Pool | Fidelity Management Trust Company | Common/collective trust | $901.4M |
| Vanuard Inst 500 Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $683.2M |
| Cardinal Health Stable Value Fund | Cardinal Health, Inc. | Master trust | $351.7M |
| Fiam GR TR For Empl BEN PL SM CAP | Fidelity Institutional Asset Management Trust Company | Common/collective trust | $333.1M |
| Core Plus Commingled Pool | Fiam Trust Company | Common/collective trust | $293.8M |
| Fidelity DIV Intl Commingled Pool | Fidelity Management Trust Company | Common/collective trust | $258.4M |
| Vanguard Instl TTL STK MKT IDX | Vanguard Fiduciary Trust Company | Common/collective trust | $249.0M |
| Vanguard Instl TTL INT STK MKT | Vanguard Fiduciary Trust Company | Common/collective trust | $242.6M |
| Blackrock Global Alloc Coll FD M | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $115.0M |
| US Treasury Inflation Protected SEC | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $87.6M |
| Vanguard Instl TTL BND MKT IDX | Vanguard Fiduciary Trust Company | Common/collective trust | $78.5M |
| Commingled PEN TR DIV COM Property | Jpmorgan Chase Bank, N.a. | Common/collective trust | $76.8M |
| Loomis Sayles HY Conservative Trust | The Loomis Sayles Trust Company, LLC | Common/collective trust | $71.2M |
| Vanguard Instl EXT MKT IDX TRS | Vanguard Fiduciary Trust Company | Common/collective trust | $59.8M |
| Axiom Emerging Markets Trust | SEI Trust Company | Common/collective trust | $42.1M |
| CIF II Opportunistic Emerging Mkts | The Wellington Trust Company, National Assoc | Common/collective trust | $32.1M |
| Short-term Investment Fund | SEI Trust Company | Common/collective trust | $3.8M |
| Pimco Collective Investment Trust | SEI Trust Company | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $548.6M | 11.5% |
| Common/collective trusts | $3.5B | 74.1% |
| Master trusts | $351.7M | 7.4% |
| Employer securities (company stock) | $256.6M | 5.4% |
| Participant loans | $76.1M | 1.6% |
Fees paid from plan assets
| Contract administrator fees | $444,257 |
| Investment advisory & management fees | $150,000 |
| Other administrative fees | $123,435 |
| Total administrative expenses | $2.1M |
Reported administrative expenses were about 0.047% of average plan assets, or about $66 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 20250730154837NAL0010840498001. EIN 310958666.