Geisinger System Services 401(k): best low-cost funds
Geisinger System Services 401k Savings Plan · Plan #002 · Danville, PA
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 |
|---|---|---|---|
| Geisinger System Service 401(k) MT | Geisinger System Services | Master trust | $2.9B |
| Tiaa-cref Real Estate Account | Tiaa-cref | Pooled separate account | $552,354 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $18.3M | 0.6% |
| Master trusts | $2.9B | 98.0% |
| Pooled separate accounts | $552,354 | 0.0% |
| Insurance co. general account | $4.2M | 0.1% |
| Participant loans | $35.2M | 1.2% |
| Other investments | $9,936 | 0.0% |
Fees paid from plan assets
| Other administrative fees | $575 |
| Total administrative expenses | $938,788 |
Reported administrative expenses were about 0.034% of average plan assets, or about $29 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 20261015092516NAL0003723347001. EIN 232164794.