Linde Inc. 401(k): best low-cost funds
Linde Retirement Savings Plan · Plan #334 · Danbury, CT
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 |
|---|---|---|---|
| NT Collective S&P 500 Index Fund index | Northern Trust Corporation | Common/collective trust | $271.3M |
| BTC Lifepath 2030 J | Black Rock Institutional Trust Company | Common/collective trust | $240.0M |
| PRU Core Intermediate Bond Fund | Prudential Trust Company | Common/collective trust | $213.1M |
| BTC Lifepath 2035 J | Black Rock Institutional Trust Company | Common/collective trust | $204.8M |
| BTC Lifepath 2025 J | Black Rock Institutional Trust Company | Common/collective trust | $197.3M |
| BTC Lifepath 2040 J | Black Rock Institutional Trust Company | Common/collective trust | $135.4M |
| NT Collective Russell 1000 Growth I index | Northern Trust Corporation | Common/collective trust | $130.8M |
| BTC Lifepath RET J | Black Rock Institutional Trust Company | Common/collective trust | $113.1M |
| BTC Lifepath 2045 J | Black Rock Institutional Trust Company | Common/collective trust | $105.6M |
| BTC Lifepath 2050 J | Black Rock Institutional Trust Company | Common/collective trust | $84.2M |
| Russell Small/mid CAP Index NL SF C index | State Street Global Advisors Trust Company | Common/collective trust | $65.5M |
| BTC Lifepath 2055 J | Black Rock Institutional Trust Company | Common/collective trust | $54.6M |
| NT Collective Russell 1000 Value IN index | Northern Trust Corporation | Common/collective trust | $42.4M |
| Northern Trust Eafe Index Fund - DC index | Northern Trust Corporation | Common/collective trust | $33.3M |
| BTC Lifepath 2060 J | Black Rock Institutional Trust Company | Common/collective trust | $21.2M |
| NT Collective Emerging Markets Inde | Northern Trust Corporation | Common/collective trust | $12.4M |
| BTC Lifepath 2065 J | Black Rock Institutional Trust Company | Common/collective trust | $7.4M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $62.3M | 2.2% |
| Common/collective trusts | $1.9B | 69.3% |
| Employer securities (company stock) | $682.1M | 24.5% |
| Participant loans | $45.6M | 1.6% |
| Other investments | $64.3M | 2.3% |
Fees paid from plan assets
| Contract administrator fees | $6,908 |
| Investment advisory & management fees | $61,500 |
| Other administrative fees | $28 |
| Total administrative expenses | $678,218 |
Reported administrative expenses were about 0.026% of average plan assets, or about $42 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 20241003113948NAL0004838963001. EIN 061249050.