RBC USA Holdco Corporation 401(k): best low-cost funds
Rbc- U.s.a. Retirement And Savings Plan · Plan #003 · Minneapolis, MN
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 |
|---|---|---|---|
| SP 500 Index PL CL D index | Geode Capital Management Trust | Common/collective trust | $758.0M |
| TRP Growth Stock E | T Rowe Price Trust Company | Common/collective trust | $565.1M |
| MIP II CL 3 | Fidelity Management Trust Company | Common/collective trust | $173.6M |
| SP EXT MKT IDX CL D | Geode Capital Management Trust | Common/collective trust | $172.3M |
| Jpmcb SR PB 2035 CFA | JP Morgan Chase Bank, N.a. | Common/collective trust | $151.5M |
| Jpmcb SR PB 2040 CFA | JP Morgan Chase Bank, N.a. | Common/collective trust | $142.4M |
| Jpmcb SR PB 2030 CFA | JP Morgan Chase Bank, N.a. | Common/collective trust | $139.4M |
| Jpmcb SR PB 2045 CFA | JP Morgan Chase Bank, N.a. | Common/collective trust | $124.6M |
| AB Small CAP Value 2 | Great Gray Trust Company, LLC | Common/collective trust | $122.2M |
| Jpmcb SR PB 2050 CFA | JP Morgan Chase Bank, N.a. | Common/collective trust | $114.1M |
| MFS MID CAP Value 4 | MFS Heritage Trust Company | Common/collective trust | $107.7M |
| Jpmcb SR PB 2025 CFA | JP Morgan Chase Bank, N.a. | Common/collective trust | $86.0M |
| Jpmcb SR PB 2055 CFA | Jpmorgan Chase Bank, N.a. | Common/collective trust | $80.6M |
| Jpmcb SR PB 2060 CFA | Jpmorgan Chase Bank, N.a. | Common/collective trust | $74.8M |
| Jpmcb SR PB INC CFA | JP Morgan Chase Bank, N.a. | Common/collective trust | $74.0M |
| SP GLB Exus IDX CL D | Geode Capital Management, LLC | Common/collective trust | $40.2M |
| Metwest TOT RTN BD D | SEI Trust Company | Common/collective trust | $34.2M |
| Jpmcb SR PB 2065 CFA | JP Morgan Chase Bank, N.a. | Common/collective trust | $4.3M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $875.4M | 20.4% |
| Common/collective trusts | $3.0B | 69.0% |
| Employer securities (company stock) | $427.1M | 9.9% |
| Participant loans | $24.0M | 0.6% |
Fees paid from plan assets
| Contract administrator fees | $0 |
| Investment advisory & management fees | $0 |
| Other administrative fees | $312,239 |
| Total administrative expenses | $312,239 |
Reported administrative expenses were about 0.008% of average plan assets, or about $22 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 20250721094332NAL0000559907001. EIN 200563684.