Marriott International, Inc. 401(k): best low-cost funds
Marriott Retirement Savings Plan · Plan #004 · Bethesda, MD
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 |
|---|---|---|---|
| Target Retirement 2035 Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $917.7M |
| Target Retirement 2045 Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $789.6M |
| NT S&P 500 IDX NL 4 index | Northern Trust Investments, Inc. | Common/collective trust | $775.9M |
| FID Contra Pool CL F | Fidelity Management Trust Company | Common/collective trust | $744.4M |
| Target Retirement 2025 Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $742.5M |
| Target Retirement 2055 Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $382.5M |
| Fidelity Blue Chip Growth Comm Pool | Fidelity Management Trust Company | Common/collective trust | $333.7M |
| Target Retirement Income Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $305.2M |
| Target Retirement 2030 Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $166.5M |
| Arrowstreet International Equity EA | Global Trust Company | Common/collective trust | $117.4M |
| Target Retirement 2040 Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $98.1M |
| Target Retirement 2050 Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $90.7M |
| Target Retirement 2060 Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $61.8M |
| Target Retirement 2065 Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $52.7M |
| PYR EM EQ SM CP PL | Fiam Trust Company | Common/collective trust | $29.9M |
| NT Collctv S&p400 Indx Fund DC NL index | Northern Trust Investments, Inc. | Common/collective trust | $24.3M |
| Target Retirement 2020 Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $23.9M |
| NT R1000 GR IDX NL 4 | Northern Trust Investments, Inc. | Common/collective trust | $20.1M |
| Axion Intl SM CAP EQ | SEI Trust Company | Common/collective trust | $18.1M |
| Target Retirement 2070 Trust Select | Vanguard Fiduciary Trust Company | Common/collective trust | $13.0M |
| NT Collctv Russell 2000 Indx FD DC index | Northern Trust Investments, Inc. | Common/collective trust | $9.4M |
| Marriott Pool Invst Trst PPT Direct | Marriott International, Inc. | Master trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $152.9M | 1.3% |
| Common/collective trusts | $5.7B | 48.9% |
| Employer securities (company stock) | $2.0B | 17.0% |
| Common stock (direct) | $2.4B | 20.8% |
| Participant loans | $126.2M | 1.1% |
| Other investments | $11.5M | 0.1% |
Fees paid from plan assets
| Contract administrator fees | $800,372 |
| Investment advisory & management fees | $137,518 |
| Other administrative fees | $88,160 |
| Total administrative expenses | $5.3M |
Reported administrative expenses were about 0.049% 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 20251009101330NAL0003488915001. EIN 522055918.