Southern Company Services, Inc. 401(k): best low-cost funds
The Southern Company Employee Savings Plan · Plan #002 · Atlanta, GA
Suggested simple Boglehead mix
- US stocks (~60%): Blackrock Russell 2000 Index Fund
- International stocks (~20-30%): Blackrock Eafe Equity Index Fund
- Bonds (~10-20%): NT Collective Aggregate Bond Index
Example built from fund names in the filing. Confirm these are on your current menu and check their expense ratios. Adjust the bond share for your age and risk tolerance.
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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 |
|---|---|---|---|
| Vanguard Institutional 500 IDX | Vanguard Fiduciary Trust Company | Common/collective trust | $2.1B |
| Blackrock Eafe Equity Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $1.0B |
| NT Collective Aggregate Bond Index index | Northern Trust | Common/collective trust | $783.9M |
| Blackrock Russell 2000 Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $776.3M |
| Blackrock Short-term Investment FUN | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $590.4M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Common/collective trusts | $5.3B | 57.0% |
| Employer securities (company stock) | $3.1B | 33.0% |
| Participant loans | $132.5M | 1.4% |
| Other investments | $797.7M | 8.6% |
Fees paid from plan assets
| Investment advisory & management fees | $38,410 |
| Total administrative expenses | $1.7M |
Reported administrative expenses were about 0.019% of average plan assets, or about $48 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 20250812122928NAL0007212931001. EIN 630274273.