Dillard's, Inc. 401(k): best low-cost funds
Dillard's, Inc. Investment & Employee Stock Ownership Plan · Plan #111 · Little Rock, AR
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 |
|---|---|---|---|
| Galliard Stable Return Fund X | SEI Trust Company | Common/collective trust | $174.9M |
| ST STR S&P 500 Index SL SF CL II index | State Street Global Advisors Trust Company | Common/collective trust | $146.5M |
| Harbor Capital Appreciation CIT CL4 | Harbor Trust Company, Inc. | Common/collective trust | $91.1M |
| ST Street US Bond Indx SL SF CL XIV | State Street Global Advisors Trust Company | Common/collective trust | $38.8M |
| ST STR Glbl Allcap EQ Exus SL SF II | State Street Global Advisors Trust Company | Common/collective trust | $29.9M |
| ST Street US INF PR BD IDX SL CL II | State Street Global Advisors Trust Company | Common/collective trust | $27.4M |
| ST STR Russell Sm/md CAP SL CL II index | State Street Global Advisors Trust Company | Common/collective trust | $16.8M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $250.8M | 8.3% |
| Common/collective trusts | $525.5M | 17.5% |
| Employer securities (company stock) | $2.1B | 69.7% |
| Participant loans | $7.6M | 0.3% |
Fees paid from plan assets
| Investment advisory & management fees | $106,832 |
| Other administrative fees | $46,342 |
| Total administrative expenses | $2.4M |
Reported administrative expenses were about 0.081% of average plan assets, or about $64 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 20251015220106NAL0003036867001. EIN 710388071.