Gundersen Lutheran Administrative Services, Inc. 401(k): best low-cost funds
Gundersen Lutheran Employees' Retirement Plan · Plan #002 · LA Crosse, WI
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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Fund menu
This plan reported no named pooled funds on Schedule D, so the free data does not show its fund lineup.
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $2.1B | 73.2% |
| Insurance co. general account | $439,484 | 0.0% |
| Common stock (direct) | $376.5M | 13.1% |
| Participant loans | $440,656 | 0.0% |
| Other investments | $56.9M | 2.0% |
Fees paid from plan assets
| Contract administrator fees | $537,905 |
| Investment advisory & management fees | $1.9M |
| Other administrative fees | $76,528 |
| Total administrative expenses | $2.5M |
Reported administrative expenses were about 0.093% of average plan assets, or about $225 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 20251014161612NAL0003380401001. EIN 391606449.