SAP America, Inc. 401(k): best low-cost funds
SAP America, Inc. 401(k) Plan · Plan #001 · Newtown Square, PA
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 Institutional 500 IDX Trst | Vanguard Fiduciary Trust Company | Common/collective trust | $1.5B |
| Jpmcb Large CAP Growth Fund; Cf-a C | Jpmorgan Asset Management | Common/collective trust | $457.0M |
| Vftc Inst TTL INT ST Mrkt IND Trst | Vanguard Fiduciary Trust Company | Common/collective trust | $450.6M |
| Vanguard Inst. TTL BND IDX Trst | Vanguard Fiduciary Trust Company | Common/collective trust | $396.4M |
| Vftc Inst EXT Mrkt Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $376.0M |
| Vftc Target RET 2035 TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $303.4M |
| Vftc Target RET 2040 TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $244.5M |
| Vftc Target RET 2030 TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $227.2M |
| Vftc Retirement Savings Trust II | Vanguard Fiduciary Trust Company | Common/collective trust | $216.7M |
| Vftc Target RET 2045 TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $202.7M |
| Vftc Target RET 2050 TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $164.7M |
| Vftc Target RET 2025 TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $129.6M |
| Vftc Target RET 2055 TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $120.4M |
| Vftc Target RET 2060 TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $67.6M |
| Vftc Target RET 2020 TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $47.6M |
| Vftc Target RET Income TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $38.6M |
| Vftc Target RET 2065 TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $24.6M |
| Allspring Special Small CAP Value E | Allspring Global Investments | Common/collective trust | $18.8M |
| Vftc Target RET 2070 TR Plus | Vanguard Fiduciary Trust Company | Common/collective trust | $5.4M |
| Vftc Retirement Savings Trust III | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Blackrock Midcap Growth Equity T | Blackrock Instituional Trust CO | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $2.7B | 33.6% |
| Common/collective trusts | $5.0B | 61.9% |
| Employer securities (company stock) | $121.7M | 1.5% |
| Participant loans | $37.4M | 0.5% |
| Other investments | $177.4M | 2.2% |
Fees paid from plan assets
| Other administrative fees | $4.3M |
| Total administrative expenses | $4.3M |
Reported administrative expenses were about 0.055% of average plan assets, or about $169 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 20250717123900NAL0000292305001. EIN 363556041.