Franklin Resources, Inc. 401(k): best low-cost funds
Franklin Templeton 401(k) Retirement Plan · Plan #003 · SAN Mateo, CA
Not financial advice. This page is educational and built from public government filings. Confirm every fund and fee in your plan's official materials before acting.
$2.8Bnet assets (end of plan year)
6,627participants with balances
4,383active participants
2024-12-31plan year end
Suggested simple Boglehead mix
- US stocks (~60%): State Street S&P 500 Indx SL CL II
- International stocks (~20-30%): State Street International Index NL
- Bonds (~10-20%): State Street US Bond Index Class K
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.
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 |
|---|---|---|---|
| State Street S&P 500 Indx SL CL II index | State Street Bank And Trust Company | Common/collective trust | $479.9M |
| State Street Target Retirement 2035 | State Street Bank And Trust Company | Common/collective trust | $114.3M |
| State Street Target Retirement 2040 | State Street Bank And Trust Company | Common/collective trust | $105.5M |
| Galliard Stable Return Fund Class Q | SEI Trust Company | Common/collective trust | $105.1M |
| State Street Target Retirement 2045 | State Street Bank And Trust Company | Common/collective trust | $81.4M |
| State Street Target Retirement 2030 | State Street Bank And Trust Company | Common/collective trust | $81.3M |
| State Street Target Retirement 2050 | State Street Bank And Trust Company | Common/collective trust | $75.8M |
| Ssga Russell Small/mid CAP Index CL index | State Street Bank And Trust Company | Common/collective trust | $64.9M |
| State Street Intrnl Indx CL IX | State Street Bank And Trust Company | Common/collective trust | $59.2M |
| State Street US BND Indx SL CL XIV | State Street Bank And Trust Company | Common/collective trust | $53.1M |
| State Street Target Retirement 2025 | State Street Bank And Trust Company | Common/collective trust | $45.1M |
| State Street Target Retirement 2055 | State Street Bank And Trust Company | Common/collective trust | $44.6M |
| State Street Target Retirement INC | State Street Bank And Trust Company | Common/collective trust | $11.1M |
| State Street Target Retirement 2060 | State Street Bank And Trust Company | Common/collective trust | $10.7M |
| Wellington CIF II Core Bond Plus (S | Wellington Trust | Common/collective trust | $8.4M |
| State Street Target Retirement 2020 | State Street Bank And Trust Company | Common/collective trust | $6.5M |
| WTC NAM CIF TR II Emerging Markets | Wellington Trust | Common/collective trust | $6.1M |
| State Street Target Retirement 2065 | State Street Bank And Trust Company | Common/collective trust | $5.2M |
| MFS International Growth Fund Class | MFS | Common/collective trust | $4.5M |
| Loomis Sayles Global CIT Class C | Loomis Sayles Trust Company | Common/collective trust | $393,807 |
| State Street International Index NL index | State Street Bank And Trust Company | Common/collective trust | $0 |
| State Street Russell Small MID CAP index | State Street Bank And Trust Company | Common/collective trust | $0 |
| State Street SP 500 Index Class K index | State Street Bank And Trust Company | Common/collective trust | $0 |
| State Street Target Retirement 2020 | State Street Bank And Trust Company | Common/collective trust | $0 |
| State Street Target Retirement 2025 | State Street Bank And Trust Company | Common/collective trust | $0 |
| State Street Target Retirement 2030 | State Street Bank And Trust Company | Common/collective trust | $0 |
| State Street Target Retirement 2035 | State Street Bank And Trust Company | Common/collective trust | $0 |
| State Street Target Retirement 2040 | State Street Bank And Trust Company | Common/collective trust | $0 |
| State Street Target Retirement 2045 | State Street Bank And Trust Company | Common/collective trust | $0 |
| State Street Target Retirement 2050 | State Street Bank And Trust Company | Common/collective trust | $0 |
| State Street Target Retirement 2055 | State Street Bank And Trust Company | Common/collective trust | $0 |
| State Street Target Retirement 2060 | State Street Bank And Trust Company | Common/collective trust | $0 |
| State Street Target Retirement 2065 | State Street Bank And Trust Company | Common/collective trust | $0 |
| State Street Target Retirement Inco | State Street Bank And Trust Company | Common/collective trust | $0 |
| State Street US Bond Index Class K index | State Street Bank And Trust Company | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $1.2B | 43.0% |
| Common/collective trusts | $1.4B | 48.7% |
| Employer securities (company stock) | $30.8M | 1.1% |
| Participant loans | $14.0M | 0.5% |
| Other investments | $171.9M | 6.1% |
Fees paid from plan assets
| Investment advisory & management fees | $344,094 |
| Other administrative fees | $0 |
| Total administrative expenses | $634,681 |
Reported administrative expenses were about 0.025% of average plan assets, or about $96 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 20250703132904NAL0001489042001. EIN 132670991.