MMS USA Holdings, Inc. 401(k): best low-cost funds
Publicis Benefits Connection 401k Plan · Plan #002 · Chicago, IL
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 |
|---|---|---|---|
| Fiam Index 2040 Y index | Fidelity Management Trust Company | Common/collective trust | $543.7M |
| Fiam Index 2045 Y index | Fidelity Management Trust Company | Common/collective trust | $491.9M |
| Fiam Index 2035 Y index | Fidelity Management Trust Company | Common/collective trust | $484.2M |
| Fiam Index 2050 Y index | Fidelity Management Trust Company | Common/collective trust | $407.8M |
| FID Contrafund Pool | Fidelity Management Trust Company | Common/collective trust | $380.8M |
| Fiam Index 2030 Y index | Fidelity Management Trust Company | Common/collective trust | $348.9M |
| TRP LRG CAP GR TR D | T. Rowe Price Trust Company | Common/collective trust | $251.5M |
| Fiam Index 2055 Y index | Fidelity Management Trust Company | Common/collective trust | $229.0M |
| Fiam Index 2025 Y index | Fidelity Management Trust Company | Common/collective trust | $214.8M |
| Fiam Index 2020 Y index | Fidelity Management Trust Company | Common/collective trust | $101.8M |
| FID Divsfd Intl Pool | Fidelity Management Trust Company | Common/collective trust | $99.3M |
| TRP Equity Income B | T. Rowe Price Trust Company | Common/collective trust | $90.3M |
| Fiam Index 2060 Y index | Fidelity Management Trust Company | Common/collective trust | $74.5M |
| FID MGD INC Port II | Fidelity Management Trust Company | Common/collective trust | $65.5M |
| Fiam Index 2015 Y index | Fidelity Management Trust Company | Common/collective trust | $31.7M |
| Fiam Index 2065 Y index | Fidelity Management Trust Company | Common/collective trust | $10.8M |
| Fiam Index 2010 Y index | Fidelity Management Trust Company | Common/collective trust | $10.6M |
| Fiam Index TD Income Y index | Fidelity Management Trust Company | Common/collective trust | $7.4M |
| Fiam Index 2070 Y index | Fidelity Management Trust Company | Common/collective trust | $850,419 |
| Fiam Index 2005 Y index | Fidelity Management Trust Company | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $1.2B | 22.5% |
| Common/collective trusts | $3.9B | 75.2% |
| Common stock (direct) | $29.6M | 0.6% |
| Participant loans | $35.8M | 0.7% |
| Other investments | $165,667 | 0.0% |
Fees paid from plan assets
| Investment advisory & management fees | $760,603 |
| Other administrative fees | $214,041 |
| Total administrative expenses | $1.8M |
Reported administrative expenses were about 0.036% of average plan assets, or about $34 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 20260106132434NAL0007908864001. EIN 362677628.