H.e.butt Grocery Company 401(k): best low-cost funds
H-e-b Savings & Retirement Plan · Plan #001 · SAN Antonio, TX
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 |
|---|---|---|---|
| State Street S&P 500 Index Secu index | State Street Global Advisors Trust Company | Common/collective trust | $1.2B |
| Ssga Russell ALL CAP Index SEC index | State Street Global Advisors Trust Company | Common/collective trust | $445.8M |
| State Street Global ALL CAP EQU | State Street Global Advisors Trust Company | Common/collective trust | $390.8M |
| State Street US Bond Index Secu index | State Street Global Advisors Trust Company | Common/collective trust | $258.8M |
| State Street Russell Small MID index | State Street Global Advisors Trust Company | Common/collective trust | $118.7M |
| ST STR BK & TR CO Invt FDS For | State Street Global Advisors Trust Company | Common/collective trust | $91.1M |
| Aristotle Collective Invt TR 04 | SEI Trust Company | Common/collective trust | $86.7M |
| Ssga Passive INT Bond Index FD index | State Street Global Advisors Trust Company | Common/collective trust | $86.1M |
| Hand Comp Empe Bene Globeflex | Hand Composite Employee Benefit Trust | Common/collective trust | $80.1M |
| WCM FOC Grwth Intl Founders CL | WCM Investment Management | Common/collective trust | $76.6M |
| Sands CAP Collective Invt TR GL | SEI Trust Company | Common/collective trust | $30.4M |
| Axiom Invs Collective Invt TR U | SEI Trust Company | Common/collective trust | $28.3M |
| Axiom Invs Collective Invt Trin | SEI Trust Company | Common/collective trust | $28.1M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $131.5M | 3.0% |
| Common/collective trusts | $2.9B | 66.5% |
| Common stock (direct) | $153.9M | 3.6% |
| Participant loans | $106.0M | 2.4% |
| Other investments | $232.3M | 5.4% |
Fees paid from plan assets
| Contract administrator fees | $3.0M |
| Investment advisory & management fees | $808,858 |
| Total administrative expenses | $3.8M |
Reported administrative expenses were about 0.095% of average plan assets, or about $54 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 20251014110650NAL0001261795001. EIN 740537175.