Deseret Mutual Benefit Administrators 401(k): best low-cost funds
Deseret 401(k) Plan · Plan #003 · Salt Lake City, UT
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 |
|---|---|---|---|
| Lifepath Index Retire Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $1.5B |
| Lifepath Index 2035 Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $719.6M |
| Lifepath Index 2030 Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $690.9M |
| Lifepath Index 2040 Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $676.7M |
| Lifepath Index 2045 Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $554.9M |
| Blackrock Equity Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $427.0M |
| Lifepath Index 2050 Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $353.8M |
| Lifepath Index 2055 Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $228.3M |
| Blackrock Midcap Equity Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $125.1M |
| Lifepath Index 2060 Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $106.5M |
| Ftse Rafi U.s. 1000 Index Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $91.2M |
| Lifepath Index 2065 Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $65.1M |
| Brandes International Value Fund | Great Gray | Common/collective trust | $63.3M |
| Voya Core Plus Trust Fund | Voya Investment Trust CO. | Common/collective trust | $57.7M |
| William Blair Int'l Growth CIT | Global Trust Company | Common/collective trust | $47.6M |
| Blackrock Russell 2000 Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $23.4M |
| LSV Emerging Markets CIT | Reliance Trust Company | Common/collective trust | $20.8M |
| Blackrock Msci Acwi Ex-us Index FUN index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $11.7M |
| Lifepath Index 2070 Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $333,452 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $192.4M | 3.1% |
| Common/collective trusts | $5.7B | 93.1% |
| Insurance co. general account | $194.2M | 3.2% |
| Participant loans | $37.2M | 0.6% |
Fees paid from plan assets
| Contract administrator fees | $716,886 |
| Total administrative expenses | $716,886 |
Reported administrative expenses were about 0.012% of average plan assets, or about $18 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 20250728101713NAL0001853025001. EIN 870440163.