Liberty Mutual Group Inc. 401(k): best low-cost funds
Liberty Mutual 401(k) Plan · Plan #002 · Boston, MA
Suggested simple Boglehead mix
- US stocks (~60%): Equity Index Class F
- International stocks (~20-30%): Eafe Index Class F
- Bonds (~10-20%): Long Term Government Bond Index FUN
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 |
|---|---|---|---|
| Equity Index Class F index | Blackrock Institutional Trust Company | Common/collective trust | $4.9B |
| Eafe Index Class F index | Blackrock Institutional Trust Company | Common/collective trust | $1.2B |
| Russell 2500 Index Class F index | Blackrock Institutional Trust Company | Common/collective trust | $642.3M |
| Long Term Government Bond Index FUN index | Blackrock Institutional Trust Company | Common/collective trust | $522.4M |
| US Debt Index Class F index | Blackrock Institutional Trust Company | Common/collective trust | $340.5M |
| Midcap Equity Fund Class F | Blackrock Institutional Trust Company | Common/collective trust | $291.9M |
| US Tips Fund F | Blackrock Institutional Trust Company | Common/collective trust | $193.0M |
| Boston Partners Small MID CAP Equit | Boston Partners Trust Company | Common/collective trust | $95.2M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $54.5M | 0.5% |
| Common/collective trusts | $8.3B | 76.8% |
| Common stock (direct) | $947.7M | 8.8% |
| Participant loans | $108.7M | 1.0% |
| Other investments | $22.8M | 0.2% |
Fees paid from plan assets
| Investment advisory & management fees | $10.3M |
| Other administrative fees | $2.1M |
| Total administrative expenses | $12.5M |
Reported administrative expenses were about 0.121% of average plan assets, or about $256 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 20251008200633NAL0009982192001. EIN 043583679.