Regions Financial Corporation 401(k): best low-cost funds
Regions Financial Corporation 401(k) Plan · Plan #012 · Hoover, AL
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 |
|---|---|---|---|
| T. Rowe Price Large CAP Growth Tr-d | T. Rowe Price | Common/collective trust | $357.1M |
| Morley Stable Value CIT | Morley Financial Services INC | Common/collective trust | $253.7M |
| Pioneer U.s. Balanced Trust CIT | SEI Investments | Common/collective trust | $135.4M |
| T. Rowe Price Retirement 2035 Tr-b | T. Rowe Price | Common/collective trust | $134.8M |
| T. Rowe Price Retirement 2045 Tr-b | T. Rowe Price | Common/collective trust | $134.5M |
| Pioneer LG CAP Core Eqty Trust CIT | SEI Investments | Common/collective trust | $132.4M |
| T. Rowe Price Retirement 2040 Tr-b | T. Rowe Price | Common/collective trust | $132.4M |
| T. Rowe Price Retirement 2050 Tr-b | T. Rowe Price | Common/collective trust | $111.6M |
| T. Rowe Price Retirement 2030 Tr-b | T. Rowe Price | Common/collective trust | $109.3M |
| Bnym Mlln NSL US Smllmdcp GW EQ CIT | BNY Mellon Funds With DIV LAG 1/1 | Common/collective trust | $102.3M |
| Victory Integrity SML MD CP VAL CIT | Global Trust Company | Common/collective trust | $89.0M |
| T. Rowe Price Retirement 2055 Tr-b | T. Rowe Price | Common/collective trust | $83.0M |
| T. Rowe Price Retirement 2025 Tr-b | T. Rowe Price | Common/collective trust | $71.7M |
| T. Rowe Price Retirement 2060 Tr-b | T. Rowe Price | Common/collective trust | $49.1M |
| T. Rowe Price Retirement 2020 Tr-b | T. Rowe Price | Common/collective trust | $24.1M |
| T. Rowe Price Retirement 2065 Tr-b | T. Rowe Price | Common/collective trust | $10.7M |
| T. Rowe Price Retirement 2015 Tr-b | T. Rowe Price | Common/collective trust | $7.7M |
| T Rowe Price Retirement 2005 TR B | T. Rowe Price | Common/collective trust | $3.3M |
| T. Rowe Price Retirement 2010 Tr-b | T. Rowe Price | Common/collective trust | $2.1M |
| Harding Loevner International Equit | Harding Loevner Funds | Common/collective trust | $1.3M |
| WT CRM Small/mid CAP Value CIT CL S | Great Gray | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $899.2M | 28.1% |
| Common/collective trusts | $1.9B | 60.9% |
| Employer securities (company stock) | $320.0M | 10.0% |
| Participant loans | $29.2M | 0.9% |
Fees paid from plan assets
| Contract administrator fees | $0 |
| Investment advisory & management fees | $0 |
| Other administrative fees | $0 |
| Total administrative expenses | $1.5M |
Reported administrative expenses were about 0.051% of average plan assets, or about $54 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 20250717090658NAL0000026945001. EIN 630589368.