Ernst & Young U.s. LLP 401(k): best low-cost funds
Ernst & Young Retirement Savings Plan · Plan #112 · Secaucus, 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.
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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 |
|---|---|---|---|
| Spartan Group Trust For Employee BE | Geode Capital Management Trust Company, LLC | Common/collective trust | $2.2B |
| Vanguardtargetretirement 2050 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $1.0B |
| Vanguardtargetretirement 2055 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $904.9M |
| Vanguardtargetretirement 2045 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $773.8M |
| Vanguardtargetretirement 2060 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $733.1M |
| Vanguardtargetretirement 2040 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $662.8M |
| Managed Income Portfolio II CL3 | Fidelity Management Trust Company | Common/collective trust | $598.5M |
| Vanguardtargetretirement 2035 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $558.5M |
| Vanguardtargetretirement 2030 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $449.1M |
| Vftc Inst'l Total Int'l STK Market | Vanguard Fiduciary Trust Company | Common/collective trust | $438.0M |
| Russell 2500 Index Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $287.5M |
| Fidelity Diversified International | Fidelity Management Trust Company | Common/collective trust | $261.4M |
| Vanguardtargetretirement 2065 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $256.5M |
| Vanguardtargetretirement 2025 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $244.8M |
| Vftc Institutional Total Bond Fund index | Vanguard Fiduciary Trust Company | Common/collective trust | $203.3M |
| Vanguard Target Retirement Income | Vanguard Fiduciary Trust Company | Common/collective trust | $159.9M |
| Vanguardtargetretirement 2020 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $87.9M |
| Russell 2000 Value Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $29.6M |
| Vftc Institutional Total Stock Mark index | Vanguard Fiduciary Trust Company | Common/collective trust | $106,825 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $8.3B | 45.2% |
| Common/collective trusts | $9.9B | 54.0% |
| Participant loans | $100.7M | 0.5% |
Fees paid from plan assets
| Investment advisory & management fees | $41,081 |
| Total administrative expenses | $4.8M |
Reported administrative expenses were about 0.028% of average plan assets, or about $51 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 20251015172009NAL0002696307001. EIN 346565596.