Lincoln National Corporation 401(k): best low-cost funds
LNC Employees' 401(k) Savings Plan · Plan #009 · Radnor, PA
Suggested simple Boglehead mix
- US stocks (~60%): S&P 500 Index NON Lending Series CL
- International stocks (~20-30%): ALL CAP Equity Ex-us Index Non-lend
- Bonds (~10-20%): US Bond Index Non-lending Series
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.
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 |
|---|---|---|---|
| JPM Large CAP Growth CIT Fund A CLA | Jpmorgan Chase Bank, N.a. | Common/collective trust | $333.1M |
| S&P 500 Index NON Lending Series CL index | State Street Global Advisors | Common/collective trust | $295.8M |
| Target Retirement 2035 NON Lending | State Street Global Advisors | Common/collective trust | $228.8M |
| Target Retirement 2045 NON Lending | State Street Global Advisors | Common/collective trust | $225.8M |
| Target Retirement 2040 NON Lending | State Street Global Advisors | Common/collective trust | $220.0M |
| Target Retirement 2030 NON Lending | State Street Global Advisors | Common/collective trust | $195.4M |
| Target Retirement 2050 NON Lending | State Street Global Advisors | Common/collective trust | $194.5M |
| Target Retirement 2025 NON Lending | State Street Global Advisors | Common/collective trust | $132.1M |
| Target Retirement 2055 NON Lending | State Street Global Advisors | Common/collective trust | $131.9M |
| Russell Small/mid CAP Index Non-len index | State Street Global Advisors | Common/collective trust | $114.2M |
| Large CAP Value Trust | Macquarie Investment Management | Common/collective trust | $91.5M |
| ALL Country World EX US Equity CIT | Acadian Asset Management | Common/collective trust | $85.2M |
| International Growth Class 4 | MFS | Common/collective trust | $80.7M |
| Target Retirement 2060 NON Lending | State Street Global Advisors | Common/collective trust | $66.6M |
| Diversified Income | Macquarie Investment Management | Common/collective trust | $60.2M |
| Target Retirement NON Lending | State Street Global Advisors | Common/collective trust | $43.1M |
| ALL CAP Equity Ex-us Index Non-lend index | State Street Global Advisors | Common/collective trust | $38.5M |
| US Bond Index Non-lending Series index | State Street Global Advisors | Common/collective trust | $23.9M |
| Target Retirement Income NON Lendin | State Street Global Advisors | Common/collective trust | $22.7M |
| Target Retirement 2065 NON Lending | State Street Global Advisors | Common/collective trust | $16.5M |
| Diversified Real Asset Collective T | Pimco | Common/collective trust | $9.8M |
| Income America 2030 Fund FEE Class | Great Gray Trust Company | Common/collective trust | $3.9M |
| Income America 2040 Fund FEE Class | Great Gray Trust Company | Common/collective trust | $2.1M |
| Income America 2035 Fund FEE Class | Great Gray Trust Company | Common/collective trust | $1.6M |
| Income America IN Retirement Fund F | Great Gray Trust Company | Common/collective trust | $1.4M |
| Income America 2025 Fund FEE Class | Great Gray Trust Company | Common/collective trust | $1.4M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $92.3M | 2.6% |
| Common/collective trusts | $2.6B | 74.6% |
| Insurance co. general account | $414.5M | 11.8% |
| Employer securities (company stock) | $113.2M | 3.2% |
| Participant loans | $39.3M | 1.1% |
| Other investments | $185.8M | 5.3% |
Fees paid from plan assets
| Investment advisory & management fees | $139,041 |
| Total administrative expenses | $182,511 |
Reported administrative expenses were about 0.005% of average plan assets, or about $11 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 20251009112104NAL0011345952001. EIN 351140070.