Gordon Food Service, Inc. 401(k): best low-cost funds
Gordon Food Service, Inc. Profit Sharing Plan · Plan #001 · Grand Rapids, MI
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 |
|---|---|---|---|
| Vanguard Inst. Total Stk. Ind. TR. | Vanguard Fiduciary Trust Company | Common/collective trust | $632.6M |
| Vftc Instl TOT Intrnl STK MKT Idxtr | Vanguard Fiduciary Trust Company | Common/collective trust | $264.9M |
| Vanguard Inst. Total Bond M. IND TR index | Vanguard Fiduciary Trust Company | Common/collective trust | $240.1M |
| Vanguard Target RET 2045 Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $193.6M |
| Vanguard Target RET 2050 Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $171.1M |
| Vanguard Target RET 2055 Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $135.5M |
| Vanguard Target RET 2035 Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $131.1M |
| Vanguard Target RET 2040 Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $106.1M |
| Vanguard Target RET 2060 Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $81.0M |
| Vanguard Target RET 2030 Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $77.9M |
| Vanguard Retirement Savings TR III | Vanguard Fiduciary Trust Company | Common/collective trust | $63.5M |
| Vanguard Target RET 2025 Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $45.9M |
| Eagle MID CAP INV TR; CLS I | Eagle Family Of Funds | Common/collective trust | $36.8M |
| Vanguard Target RET 2065 Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $33.0M |
| Vanguard Target RET 2020 Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $18.3M |
| Vanguard Target RET Income Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $11.7M |
| Vanguard Target Ret. 2070 Trust I | Vanguard Fiduciary Trust Company | Common/collective trust | $6.0M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $386.0M | 14.0% |
| Common/collective trusts | $2.2B | 81.5% |
| Participant loans | $51.6M | 1.9% |
Fees paid from plan assets
| Other administrative fees | $2.2M |
| Total administrative expenses | $2.2M |
Reported administrative expenses were about 0.084% of average plan assets, or about $119 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 20260506121048NAL0002340544001. EIN 381249848.