Caterpillar Inc. 401(k): best low-cost funds
Caterpillar 401(k) Savings Plan · Plan #035 · Irving, TX
Suggested simple Boglehead mix
- US stocks (~60%): U.S. Large Cap Equity Index Fund
- International stocks (~20-30%): International Equity Index Fund
- Bonds (~10-20%): Bond Index Fund
Fund names from the plan's public SEC Form 11-K for plan year 2024 (Schedule H, line 4i schedule of assets / fund list). Confirm they are on your current menu and check 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 |
|---|---|---|---|
| Caterpillar INC Investment Trust | Caterpillar Inc. | Master trust | $17.1B |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Master trusts | $17.1B | 91.2% |
| Participant loans | $133.1M | 0.7% |
| Other investments | $1.3B | 6.8% |
Fees paid from plan assets
| Contract administrator fees | $753,057 |
| Investment advisory & management fees | $4.9M |
| Other administrative fees | $67,905 |
| Total administrative expenses | $8.2M |
Reported administrative expenses were about 0.047% of average plan assets, or about $139 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 20250729123537NAL0001603043001. EIN 370602744.