National Medical Care, Inc. 401(k): best low-cost funds
Fresenius Medical Care North America 401(k) Savings Plan · Plan #002 · Waltham, MA
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.
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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 Fund F index | Blackrock Institutional Trust Company N.a. | Common/collective trust | $1.6B |
| Blackrock Msci Acwi Ex-u.s. Index F index | Blackrock Institutional Trust Company N.a. | Common/collective trust | $441.4M |
| MID Capitalization Equity Fund F | Blackrock Institutional Trust Company N.a. | Common/collective trust | $344.8M |
| Russell 2000 Index Fund F index | Blackrock Institutional Trust Company N.a. | Common/collective trust | $290.8M |
| U.s. Debt Index Fund F index | Blackrock Institutional Trust Company N.a. | Common/collective trust | $253.9M |
| Emer Mkts Index Non-lendable Fund F index | Blackrock Institutional Trust Company N.a. | Common/collective trust | $122.3M |
| U.s. Trea Infl Protected SEC Fund F | Blackrock Institutional Trust Company N.a. | Common/collective trust | $30.7M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $30.4M | 0.7% |
| Common/collective trusts | $3.0B | 69.5% |
| Insurance co. general account | $980.6M | 22.4% |
| Employer securities (company stock) | $15.9M | 0.4% |
| Participant loans | $132.2M | 3.0% |
| Other investments | $78.4M | 1.8% |
Fees paid from plan assets
| Contract administrator fees | $0 |
| Investment advisory & management fees | $693,533 |
| Other administrative fees | $604,885 |
| Total administrative expenses | $2.6M |
Reported administrative expenses were about 0.063% of average plan assets, or about $53 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 20251007125615NAL0004795969001. EIN 042835488.