Cognizant Technology Solutions 401(k): best low-cost funds
Cognizant Technology Solutions 401(k) Savings Plan · Plan #001 · Teaneck, NJ
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.
Know this plan's fund menu? Submit it and we'll add a fund-by-fund pick list.
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 |
|---|---|---|---|
| American Century RET Date 2045 | American Century | Common/collective trust | $328.5M |
| American Century RET Date 2050 | American Century | Common/collective trust | $325.5M |
| American Century RET Date 2040 | American Century | Common/collective trust | $218.5M |
| AB US Large CAP Grwth W Series | Great Gray | Common/collective trust | $172.1M |
| American Century RET Date 2035 | American Century | Common/collective trust | $149.3M |
| Stable Value | T.rowe Price | Common/collective trust | $145.3M |
| American Century RET Date 2055 | American Century | Common/collective trust | $121.8M |
| American Century RET Date 2030 | American Century | Common/collective trust | $118.0M |
| Columbia Trust Dividend Income | Ameriprise Trust Company | Common/collective trust | $88.1M |
| American Century RET Date 2025 | American Century | Common/collective trust | $65.6M |
| Victory Small CAP Value Collec | Victory | Common/collective trust | $58.2M |
| American Century RET Date 2060 | American Century | Common/collective trust | $52.3M |
| American Century ONE Choice IN RET | American Century | Common/collective trust | $31.2M |
| American Century RET Date 2065 | American Century | Common/collective trust | $18.3M |
| Blackrock Equity Index 1 index | Great Gray | Common/collective trust | $0 |
| MID CAP Growth Fund FEE Class R1 | Great Gray | Common/collective trust | $0 |
| Small CAP Growth Fund II FEE Class | Great Gray | Common/collective trust | $0 |
| Pimco Income Instl | Pimco | Pooled separate account | $0 |
| Massmutual Infl-prot And INC R5 | Massmutual | Pooled separate account | $0 |
| Pgim Total Return Bond Z | Pgim Investments | Pooled separate account | $0 |
| MFS Intl Diversification R6 | MFS | Pooled separate account | $0 |
| Victory Small CAP | Victory | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $1.1B | 35.6% |
| Common/collective trusts | $1.9B | 62.2% |
| Participant loans | $38.5M | 1.3% |
Fees paid from plan assets
| Contract administrator fees | $32,654 |
| Investment advisory & management fees | $82,500 |
| Other administrative fees | $370,059 |
| Total administrative expenses | $2.7M |
Reported administrative expenses were about 0.094% of average plan assets, or about $60 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 20251015091306NAL0008793570001. EIN 133924155.