Eversource Energy Service Company 401(k): best low-cost funds
Eversource 401k Plan · Plan #005 · Hartford, CT
Suggested simple Boglehead mix
- US stocks (~60%): Spartan 500 Index Pool Class E
- International stocks (~20-30%): Spartan Global EX US Index Pool CLA
- Bonds (~10-20%): Fiam U.s. Bond Index Commingled POO
Example built from fund names in the filing. Confirm these are on your current menu and check their 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 |
|---|---|---|---|
| Growth Company Commingled Pool Clas | Fidelity | Common/collective trust | $641.6M |
| Spartan 500 Index Pool Class E index | Fidelity | Common/collective trust | $555.9M |
| Freedom Blend 2030 Commingled Pool | Fidelity | Common/collective trust | $269.1M |
| Freedom Blend 2040 Commingled Pool | Fidelity | Common/collective trust | $225.4M |
| Freedom Blend 2050 Commingled Pool | Fidelity | Common/collective trust | $176.3M |
| Freedom Blend 2020 Commingled Pool | Fidelity | Common/collective trust | $117.3M |
| Freedom Blend 2060 Commingled Pool | Fidelity | Common/collective trust | $74.4M |
| Spartan Global EX US Index Pool CLA index | Fidelity | Common/collective trust | $29.6M |
| Freedom Blend 2010 Commingled Pool | Fidelity | Common/collective trust | $14.4M |
| Spartan Extended Market Index Pool index | Fidelity | Common/collective trust | $12.8M |
| Freedom Blend Income Commingled POO | Fidelity | Common/collective trust | $10.5M |
| Fiam U.s. Bond Index Commingled POO index | Fidelity | Common/collective trust | $2.5M |
| Freedom Blend 2035 Commingled Pool | Fidelity | Common/collective trust | $1.5M |
| Freedom Blend 2045 Commingled Pool | Fidelity | Common/collective trust | $878,776 |
| Freedom Blend 2055 Commingled Pool | Fidelity | Common/collective trust | $524,697 |
| Freedom Blend 2025 Commingled Pool | Fidelity | Common/collective trust | $153,345 |
| Freedom Blend 2065 Commingled Pool | Fidelity | Common/collective trust | $96,111 |
| Freedom Blend 2070 Commingled Pool | Fidelity | Common/collective trust | $23,992 |
| Freedom Blend 2015 Commingled Pool | Fidelity | Common/collective trust | $6,331 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $408.5M | 10.1% |
| Common/collective trusts | $2.1B | 52.7% |
| Insurance co. general account | $465.5M | 11.5% |
| Employer securities (company stock) | $523.0M | 12.9% |
| Common stock (direct) | $204.8M | 5.1% |
| Participant loans | $44.3M | 1.1% |
| Other investments | $202.1M | 5.0% |
Fees paid from plan assets
| Investment advisory & management fees | $848,361 |
| Other administrative fees | $197,892 |
| Total administrative expenses | $1.4M |
Reported administrative expenses were about 0.036% of average plan assets, or about $98 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 20251014110009NAL0001255027008. EIN 060810627.