Pacific Maritime Association 401(k): best low-cost funds
Ilwu-pma Savings (401(k)) Plan · Plan #002 · SAN Francisco, CA
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 |
|---|---|---|---|
| FID Growth CO Pool D | Fidelity Management Trust Company | Common/collective trust | $339.6M |
| SP 500 Index PL CL E index | Geode Capital Management Trust | Common/collective trust | $319.2M |
| FID Frdm Blnd 2030 T | Fidelity Institutional Asset Management | Common/collective trust | $268.1M |
| MIP II CL 3 | Fidelity Management Trust Company | Common/collective trust | $260.5M |
| FID Frdm Blnd 2040 T | Fidelity Institutional Asset Management | Common/collective trust | $227.8M |
| FID Frdm Blnd 2035 T | Fidelity Institutional Asset Management | Common/collective trust | $214.4M |
| FID Frdm Blnd 2025 T | Fidelity Institutional Asset Management | Common/collective trust | $128.0M |
| FID Frdm Blnd 2045 T | Fidelity Institutional Asset Management | Common/collective trust | $114.7M |
| SP LC GRW IDX CL E | Geode Capital Management, LLC | Common/collective trust | $111.7M |
| FID Frdm Blnd 2020 T | Fidelity Institutional Asset Management | Common/collective trust | $87.5M |
| FID Frdm Blnd 2050 T | Fidelity Institutional Asset Management | Common/collective trust | $82.0M |
| FID MID CAP STK CP A | Fidelity Management Trust Company | Common/collective trust | $76.0M |
| FID DIV Intl PL CL A | Fidelity Management Trust Company | Common/collective trust | $54.4M |
| FID Frdm Blnd 2055 T | Fidelity Institutional Asset Management | Common/collective trust | $29.9M |
| FID Frdm Blnd 2015 T | Fidelity Institutional Asset Management | Common/collective trust | $17.1M |
| FID Frdm Blnd 2010 T | Fidelity Institutional Asset Management | Common/collective trust | $16.5M |
| SP GLB Exus IDX CL E | Geode Capital Management, LLC | Common/collective trust | $13.9M |
| FID Frdm Blnd 2060 T | Fidelity Institutional Asset Management | Common/collective trust | $13.0M |
| FID Frdm Blend INC T | Fidelity Institutional Asset Management | Common/collective trust | $12.1M |
| FID Frdm Blnd 2065 T | Fidelity Institutional Asset Management | Common/collective trust | $4.3M |
| SP LC Value Index E index | Geode Capital Management, LLC | Common/collective trust | $3.0M |
| SP Small CP IND CL E | Geode Capital Management, LLC | Common/collective trust | $1.5M |
| FID Frdm Blnd 2070 T | Fidelity Institutional Asset Management | Common/collective trust | $201,611 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $824.4M | 24.0% |
| Common/collective trusts | $2.4B | 69.6% |
| Common stock (direct) | $181.2M | 5.3% |
Fees paid from plan assets
| Contract administrator fees | $0 |
| Investment advisory & management fees | $61,887 |
| Other administrative fees | $10,500 |
| Total administrative expenses | $188,579 |
Reported administrative expenses were about 0.006% of average plan assets, or about $10 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 20260409164926NAL0021897058001. EIN 941126322.