GAP Inc. 401(k): best low-cost funds
Gapshare 401(k) Plan · Plan #001 · SAN Francisco, CA
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 |
|---|---|---|---|
| TRP Retirement 2040 Trust | T. Rowe Price Trust Company | Common/collective trust | $304.5M |
| TRP Retirement 2045 Trust | T. Rowe Price Trust Company | Common/collective trust | $303.1M |
| TRP Retirement 2035 Trust | T. Rowe Price Trust Company | Common/collective trust | $300.0M |
| Vanguard FTC Inst 500 IND Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $250.2M |
| TRP Retirement 2030 Trust | T. Rowe Price Trust Company | Common/collective trust | $229.8M |
| TRP Retirement 2050 Trust | T. Rowe Price Trust Company | Common/collective trust | $214.3M |
| TRP Retirement 2055 Trust | T. Rowe Price Trust Company | Common/collective trust | $135.4M |
| TRP Retirement 2025 Trust | T. Rowe Price Trust Company | Common/collective trust | $132.2M |
| TRP Stable Value Common Trust Fund | T. Rowe Price Trust Company | Common/collective trust | $74.3M |
| William Blair S Mdcap GR Coll IN FD | Global Trust Company | Common/collective trust | $67.9M |
| TRP Retirement 2060 Trust | T. Rowe Price Trust Company | Common/collective trust | $51.9M |
| TRP Retirement 2020 Trust | T. Rowe Price Trust Company | Common/collective trust | $51.6M |
| Vanguard FTC Inst EXT MKT IND Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $38.7M |
| MFS Institutional Equity Fund | MFS Heritage Trust Company | Common/collective trust | $30.5M |
| TRP U.s. Small-cap Value EQY Trust | T. Rowe Price Trust Company | Common/collective trust | $24.6M |
| Vanguard FTC Inst TOT INT Stmk Indt | Vanguard Fiduciary Trust Company | Common/collective trust | $21.2M |
| TCW Multiple Investment Trust | SEI Trust Company | Common/collective trust | $20.1M |
| Vanguard FTC Inst TOT Bond MKT Indt | Vanguard Fiduciary Trust Company | Common/collective trust | $19.7M |
| TRP Retirement 2015 Trust | T. Rowe Price Trust Company | Common/collective trust | $14.5M |
| TRP Retirement 2065 Trust | T. Rowe Price Trust Company | Common/collective trust | $9.4M |
| TRP Retirement 2010 Trust | T. Rowe Price Trust Company | Common/collective trust | $4.9M |
| TRP Retirement 2005 Trust | T. Rowe Price Trust Company | Common/collective trust | $3.6M |
| NB Sustainable Equity Trust | Neuberger Berman Trust Company N.a. | Common/collective trust | $0 |
| Harbor Capital Appreciation CIT | Harbor Trust Company Inc. | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $26.0M | 1.1% |
| Common/collective trusts | $2.3B | 97.8% |
| Participant loans | $24.7M | 1.0% |
Fees paid from plan assets
| Investment advisory & management fees | $75,451 |
| Other administrative fees | $250,418 |
| Total administrative expenses | $1.3M |
Reported administrative expenses were about 0.060% of average plan assets, or about $31 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 20241011092206NAL0021580545001. EIN 941697231.