Health Care Service Corporation 401(k): best low-cost funds
The 401k Plan · Plan #005 · Richardson, 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 |
|---|---|---|---|
| Dryden S&P 500 Index Fund ISP index | Empower Annuity Insurance Company | Pooled separate account | $553.2M |
| LCG / Jennison Fund | Empower Annuity Insurance Company | Pooled separate account | $531.0M |
| LCV / LSV Asset Management | Empower Annuity Insurance Company | Pooled separate account | $324.1M |
| Core Plus Bond / Pgim Fund | Empower Annuity Insurance Company | Pooled separate account | $304.2M |
| SCG / Timessquare Fund | Empower Annuity Insurance Company | Pooled separate account | $267.2M |
| SCV / Ceredex Fund | Empower Annuity Insurance Company | Pooled separate account | $262.8M |
| Intnl Growth I Fund (mgd BY Amcent) | Empower Annuity Insurance Company | Pooled separate account | $259.4M |
| MCG / Artisan Partners Fund | Empower Annuity Insurance Company | Pooled separate account | $92.7M |
| MCV (sub-adv BY Wellington Mgmt) | Empower Annuity Insurance Company | Pooled separate account | $51.2M |
| NT Extended Equity MKT Index Nl-tie index | Northern Trust Global Investments Cits | Common/collective trust | $26.3M |
| DAY ONE IFX Target Balanced | Empower Annuity Insurance Company | Pooled separate account | $22.5M |
| NT Acwi Ex-us Imi-dc-nl-tier 3 | Northern Trust Global Investments Cits | Common/collective trust | $19.4M |
| NT Aggregate Bond Index Nl-tier 3 index | Northern Trust Global Investments Cits | Common/collective trust | $17.5M |
| IFX SEL Aggressive Growth Fund | Empower Annuity Insurance Company | Pooled separate account | $5.8M |
| IFX SEL Conservative Growth FD | Empower Annuity Insurance Company | Pooled separate account | $4.2M |
| IFX Select Balanced Fund | Empower Annuity Insurance Company | Pooled separate account | $3.6M |
| IFX Select Income & Equity Fund | Empower Annuity Insurance Company | Pooled separate account | $1.4M |
| IFX Select Growth Fund | Empower Annuity Insurance Company | Pooled separate account | $849,071 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $357.7M | 9.1% |
| Common/collective trusts | $63.2M | 1.6% |
| Pooled separate accounts | $2.7B | 68.5% |
| Participant loans | $77.7M | 2.0% |
| Other investments | $733.2M | 18.7% |
Fees paid from plan assets
| Contract administrator fees | $46,112 |
| Investment advisory & management fees | $155,483 |
| Other administrative fees | $7,175 |
| Total administrative expenses | $394,380 |
Reported administrative expenses were about 0.011% of average plan assets, or about $10 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 20250915133235NAL0000748611001. EIN 361236610.