Raymond James Financial, Inc. 401(k): best low-cost funds
Raymond James Financial, Inc. 401(k) Plan · Plan #010 · ST Petersburg, FL
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 |
|---|---|---|---|
| Vanguard Inst 500 Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $335.7M |
| T Rowe Price BC Grwth TR CL T4 | T. Rowe Price Trust Company | Common/collective trust | $283.3M |
| Loomis Sayles LG CP GR TR C | Loomis Sayles Trust Company LLC | Common/collective trust | $175.5M |
| FID Free Blnd Target 2030 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $114.2M |
| FID Free Blnd Target 2050 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $110.9M |
| FID Free Blnd Target 2035 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $109.2M |
| FID Free Blnd Target 2040 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $105.3M |
| Fiam Blend TGT Date 2045 - R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $94.0M |
| Prin Midcap SEP Acct-z | Principal Life Insurance Company | Pooled separate account | $80.4M |
| Wasatch Core Growth A CIT | SEI Trust Company | Common/collective trust | $71.5M |
| FID Free Blnd Target 2025 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $69.8M |
| GQG Partners Emerg Mkts EQ A | Reliance Trust Company | Common/collective trust | $59.5M |
| FID Free Blnd Target 2055 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $59.4M |
| T. Rowe Price Intl CR EQ TR B | T. Rowe Price Trust Company | Common/collective trust | $53.5M |
| FID Free Blnd Target 2020 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $46.6M |
| Prin Midcap S&P 400 IDX Sa-z index | Principal Life Insurance Company | Pooled separate account | $41.6M |
| Prin Smcap S&P 600 Index Sa-z index | Principal Life Insurance Company | Pooled separate account | $39.6M |
| Prin Core Plus Bond SEP Acct-z | Principal Life Insurance Company | Pooled separate account | $38.8M |
| FID Free Blnd Target 2060 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $35.0M |
| AM Cent US SM CP VAL EQ Trust | SEI Trust Company | Common/collective trust | $33.9M |
| Nuance MID CAP Value CIT | Reliance Trust Company | Common/collective trust | $25.0M |
| MFS Large CAP Value Class 3 FD | MFS Heritage Trust Company | Common/collective trust | $22.7M |
| FID Free Blnd Target 2065 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $22.1M |
| Parnassus Sust CR EQ CL 1 CIT | SEI Trust Company | Common/collective trust | $19.5M |
| Principal U.s. Property Sa-z | Principal Life Insurance Company | Pooled separate account | $12.2M |
| FID Free Blnd Target Income R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $11.0M |
| VGD Inst TTL BD MKT IDX Trst | Vanguard Fiduciary Trust Company | Common/collective trust | $10.8M |
| FID Free Blnd Target 2010 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $10.7M |
| FID Free Blnd Target 2015 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $9.9M |
| Principal DIV Real Asset Sa-z | Principal Life Insurance Company | Pooled separate account | $7.4M |
| Prin Lgcp S&P 500 Index Sa-z index | Principal Life Insurance Company | Pooled separate account | $0 |
| FID Free Blnd Target 2005 R | Fidelity Inst Asset Mgmt Trust CO | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $716.6M | 24.9% |
| Common/collective trusts | $1.9B | 65.7% |
| Pooled separate accounts | $220.0M | 7.7% |
| Participant loans | $34.5M | 1.2% |
Fees paid from plan assets
| Contract administrator fees | $684,832 |
| Total administrative expenses | $684,832 |
Reported administrative expenses were about 0.026% of average plan assets, or about $38 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 20250702203437NAL0000076929001. EIN 591517485.