Kaiser Foundation Health Plan, Inc. 401(k): best low-cost funds
Kaiser Permanente 401(k) Retirement Plan · Plan #025 · Oakland, CA
Suggested simple Boglehead mix
- US stocks (~60%): Vftc Inst Total Stock MKT Index TR
- International stocks (~20-30%): Vftc Inst TOT Intl STK MKT Index TR
- Bonds (~10-20%): Vftc Inst Total Bond MKT Index TR
Example built from fund names in the filing. Confirm these are on your current menu and check their expense ratios. Adjust the bond share for your age and risk tolerance.
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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 |
|---|---|---|---|
| Jpmorgan Smrtret Passive Blend 2035 | Jpmorgan Chase Bank, N.a. | Common/collective trust | $1.7B |
| Jpmorgan Smrtret Passive Blend 2040 | Jpmorgan Chase Bank, N.a. | Common/collective trust | $1.6B |
| Vftc Interest Income Fund | Vanguard Fiduciary Trust Company | Common/collective trust | $1.5B |
| Jpmorgan Smrtret Passive Blend 2045 | Jpmorgan Chase Bank, N.a. | Common/collective trust | $1.5B |
| Jpmorgan Smrtret Passive Blend 2030 | Jpmorgan Chase Bank, N.a. | Common/collective trust | $1.3B |
| Jpmorgan Smrtret Passive Blend 2050 | Jpmorgan Chase Bank, N.a. | Common/collective trust | $1.2B |
| Vftc Inst TOT Intl STK MKT Index TR index | Vanguard Fiduciary Trust Company | Common/collective trust | $1.2B |
| Vftc Inst Total Bond MKT Index TR index | Vanguard Fiduciary Trust Company | Common/collective trust | $1.1B |
| Jpmorgan Smrtret Passive Blend 2025 | Jpmorgan Chase Bank, N.a. | Common/collective trust | $909.2M |
| Jpmorgan Smrtret Passive Blend 2055 | Jpmorgan Chase Bank, N.a. | Common/collective trust | $676.5M |
| Jpmorgan Smrtret Passive Blend 2020 | Jpmorgan Chase Bank, N.a. | Common/collective trust | $482.9M |
| Jpmorgan Smrtret Passive Blend INC | Jpmorgan Chase Bank, N.a. | Common/collective trust | $276.6M |
| Jpmorgan Smrtret Passive Blend 2060 | Jpmorgan Chase Bank, N.a. | Common/collective trust | $213.9M |
| Jpmorgan Smrtret Passive Blend 2065 | Jpmorgan Chase Bank, N.a. | Common/collective trust | $13.4M |
| Vftc Inst Total Stock MKT Index TR index | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $8.3B | 36.8% |
| Common/collective trusts | $13.6B | 60.2% |
| Participant loans | $514.2M | 2.3% |
| Other investments | $128.8M | 0.6% |
Fees paid from plan assets
| Other administrative fees | $10.0M |
| Total administrative expenses | $10.0M |
Reported administrative expenses were about 0.047% of average plan assets, or about $57 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 20250901141031NAL0013656881001. EIN 941340523.