Costco Wholesale Corporation 401(k): best low-cost funds
Costco 401k Retirement Plan · Plan #002 · Issaquah, WA
Suggested simple Boglehead mix
- US stocks (~60%): Vanguard Institutional Index Fund Institutional Plus
- International stocks (~20-30%): Vanguard Total International Stock Index Fund Institutional
- Bonds (~10-20%): Vanguard Total Bond Market Index Fund Institutional
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 |
|---|---|---|---|
| T. Rowe Price Retirement 2045 Trust | T. Rowe Price Trust Company | Common/collective trust | $1.6B |
| T. Rowe Price Retirement 2040 Trust | T. Rowe Price Trust Company | Common/collective trust | $1.4B |
| T. Rowe Price Retirement 2055 Trust | T. Rowe Price Trust Company | Common/collective trust | $1.4B |
| T. Rowe Price Retirement 2035 Trust | T. Rowe Price Trust Company | Common/collective trust | $1.2B |
| T. Rowe Price Retirement 2030 Trust | T. Rowe Price Trust Company | Common/collective trust | $1.2B |
| Wtc-cif II Growth (series 5) PF | Wellington Trust Company, NA | Common/collective trust | $1.1B |
| T. Rowe Price Retirement 2050 Trust | T. Rowe Price Trust Company | Common/collective trust | $1.1B |
| TRP Interm Term Common Trust Fund | T. Rowe Price Trust Company | Common/collective trust | $982.6M |
| T. Rowe Price Retirement 2025 Trust | T. Rowe Price Trust Company | Common/collective trust | $816.7M |
| T. Rowe Price Retirement 2060 Trust | T. Rowe Price Trust Company | Common/collective trust | $719.1M |
| Capital Group NEW Perspective TR | Capital Bank And Trust Company | Common/collective trust | $532.5M |
| TRP Short Term Common Trust Fund | T. Rowe Price Trust Company | Common/collective trust | $457.6M |
| T. Rowe Price Retirement 2020 Trust | T. Rowe Price Trust Company | Common/collective trust | $373.9M |
| TRP Managed Bond Common Trust Fund | T. Rowe Price Trust Company | Common/collective trust | $203.0M |
| T. Rowe Price Retirement 2065 Trust | T. Rowe Price Trust Company | Common/collective trust | $186.8M |
| T. Rowe Price Retirement 2015 Trust | T. Rowe Price Trust Company | Common/collective trust | $115.6M |
| T.rowe Price Cash Reserves Trust | T. Rowe Price Trust Company | Common/collective trust | $42.7M |
| T. Rowe Price Retirement 2010 Trust | T. Rowe Price Trust Company | Common/collective trust | $36.3M |
| T. Rowe Price Retirement Balanced T | T. Rowe Price Trust Company | Common/collective trust | $34.6M |
| T. Rowe Price Retirement 2005 Trust | T. Rowe Price Trust Company | Common/collective trust | $21.9M |
| TRP Retire 2020 Trust Income K | T. Rowe Price Trust Company | Common/collective trust | $9.4M |
| TRP Retire 2025 Trust Income K | T. Rowe Price Trust Company | Common/collective trust | $946,849 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $2.4B | 5.7% |
| Common/collective trusts | $13.8B | 33.7% |
| Employer securities (company stock) | $21.0B | 51.2% |
| Common stock (direct) | $2.6B | 6.4% |
| Participant loans | $587.2M | 1.4% |
Fees paid from plan assets
| Other administrative fees | $125,120 |
| Total administrative expenses | $6.0M |
Reported administrative expenses were about 0.016% of average plan assets, or about $23 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 20250707151535NAL0009305842001. EIN 911223280.