Ecolab Inc. 401(k): best low-cost funds
Ecolab Savings Plan And Esop · Plan #003 · ST. Paul, MN
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 |
|---|---|---|---|
| SS Trgt RET 2040 M | State Street Global Advisors Trust CO | Common/collective trust | $310.7M |
| Harb CAP Appr CIT 4 | Harbor Trust Company | Common/collective trust | $261.2M |
| SS Trgt RET 2030 M | State Street Global Advisors Trust CO | Common/collective trust | $245.9M |
| SS Trgt RET 2035 M | State Street Global Advisors Trust CO | Common/collective trust | $174.9M |
| SS Trgt RET 2045 M | State Street Global Advisors Trust CO | Common/collective trust | $166.4M |
| SS Trgt RET 2050 M | State Street Global Advisors Trust CO | Common/collective trust | $158.7M |
| SS Trgt RET 2025 M | State Street Global Advisors Trust CO | Common/collective trust | $119.9M |
| WT Smid CAP RES EQ 1 | Wellington Trust Company, NA | Common/collective trust | $111.4M |
| MIP II CL 3 | Fidelity Management Trust Company | Common/collective trust | $109.2M |
| SS Trgt RET 2055 M | State Street Global Advisors Trust CO | Common/collective trust | $104.7M |
| SS Trgt RET 2060 M | State Street Global Advisors Trust CO | Common/collective trust | $64.1M |
| SS Trgt RET 2020 M | State Street Global Advisors Trust CO | Common/collective trust | $58.9M |
| SS Trgt RET INC M | State Street Global Advisors Trust CO | Common/collective trust | $27.9M |
| SS Trgt RET 2065 M | State Street Global Advisors Trust CO | Common/collective trust | $14.5M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $1.5B | 35.9% |
| Common/collective trusts | $1.9B | 46.1% |
| Employer securities (company stock) | $596.0M | 14.3% |
| Participant loans | $49.9M | 1.2% |
Fees paid from plan assets
| Contract administrator fees | $13,800 |
| Investment advisory & management fees | $781,572 |
| Other administrative fees | $0 |
| Total administrative expenses | $1.1M |
Reported administrative expenses were about 0.028% of average plan assets, or about $53 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 20251014150106NAL0001547955001. EIN 410231510.