Philips North America LLC 401(k): best low-cost funds
Philips North America 401(k) Plan · Plan #005 · Cambridge, 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 |
|---|---|---|---|
| Fidelity Growth CO. Commingled Pool | Fidelity Management Trust Company | Common/collective trust | $1.1B |
| Vanguard Institutional 500 Index TR index | Vanguard Fiduciary Trust Company | Common/collective trust | $1.0B |
| Vanguard Target RET 2035 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $416.3M |
| Vanguard Target RET 2030 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $375.8M |
| Vanguard Target RET 2040 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $371.2M |
| Prudential Core INT Bond Fund | Prudential Trust CO. | Common/collective trust | $365.1M |
| Vanguard Target RET 2045 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $343.1M |
| Vanguard Target RET 2025 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $291.8M |
| Vanguard Target RET 2050 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $261.4M |
| Vanguard Inst TTL Bond MKT Index TR index | Vanguard Fiduciary Trust Company | Common/collective trust | $218.1M |
| CT Dividend Income Fund | Ameriprise Trust Company | Common/collective trust | $212.6M |
| Vanguard Inst INT Stck Mrkt Indx TR | Vanguard Fiduciary Trust Company | Common/collective trust | $167.3M |
| Vanguard Target RET 2055 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $155.7M |
| Vanguard Target RET 2020 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $102.8M |
| Vanguard Target RET Income Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $65.0M |
| Vanguard Target RET 2060 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $63.6M |
| Blackrock Mid-cap Growth Equity FUN | Great Gray Trust Company | Common/collective trust | $42.5M |
| Small CAP Value/victory Fund | Empower Annuity Insurance Company | Pooled separate account | $26.6M |
| Vanguard Target RET 2065 Trust Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $18.8M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $700.5M | 11.0% |
| Common/collective trusts | $5.6B | 87.8% |
| Pooled separate accounts | $26.6M | 0.4% |
| Participant loans | $41.7M | 0.7% |
Fees paid from plan assets
| Total administrative expenses | $352,392 |
Reported administrative expenses were about 0.006% of average plan assets, or about $13 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 20251015152739NAL0002550787001. EIN 133429115.