T. Rowe Price Group, Inc. 401(k): best low-cost funds
T. Rowe Price U.s. Retirement Program · Plan #005 · Owings Mills, MD
Not financial advice. This page is educational and built from public government filings. Confirm every fund and fee in your plan's official materials before acting.
$4.9Bnet assets (end of plan year)
11,973participants with balances
6,820active participants
2024-12-31plan year end
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 |
|---|---|---|---|
| TRP Capital Appreciation Trust B | T. Rowe Price Trust Company | Common/collective trust | $355.5M |
| TRP Retirement 2035 TR E | T. Rowe Price Trust Company | Common/collective trust | $338.0M |
| TRP Retirement 2040 TR E | T. Rowe Price Trust Company | Common/collective trust | $327.2M |
| TRP Retirement 2045 TR E | T. Rowe Price Trust Company | Common/collective trust | $288.2M |
| TRP Retirement 2030 TR E | T. Rowe Price Trust Company | Common/collective trust | $259.1M |
| TRP Retirement 2050 TR E | T. Rowe Price Trust Company | Common/collective trust | $235.1M |
| TRP Blue Chip Growth Trust T4 | T. Rowe Price Trust Company | Common/collective trust | $213.0M |
| TRP NEW Horizons TR A | T. Rowe Price Trust Company | Common/collective trust | $150.8M |
| TRP U.s. Treasury Mmkt Tr-e | T. Rowe Price Trust Company | Common/collective trust | $147.6M |
| TRP Equity Index Trust Class C index | T. Rowe Price Trust Company | Common/collective trust | $144.5M |
| TRP Retirement 2055 TR E | T. Rowe Price Trust Company | Common/collective trust | $143.6M |
| TRP Retirement 2025 TR E | T. Rowe Price Trust Company | Common/collective trust | $113.6M |
| TRP Growth Stock TR C | T. Rowe Price Trust Company | Common/collective trust | $85.0M |
| TRP Retirement 2060 TR E | T. Rowe Price Trust Company | Common/collective trust | $76.7M |
| TRP Equity Income Trust C | T. Rowe Price Trust Company | Common/collective trust | $69.9M |
| TRP Stable Value Common TR F | T. Rowe Price Trust Company | Common/collective trust | $66.7M |
| TRP U.s. Mid-cap Value EQ Trust D | T. Rowe Price Trust Company | Common/collective trust | $53.8M |
| TRP Structured Research COM TR B | T. Rowe Price Trust Company | Common/collective trust | $53.4M |
| TRP Retirement 2020 TR E | T. Rowe Price Trust Company | Common/collective trust | $51.0M |
| TRP U.s. Small-cap VAL EQ Trust D | T. Rowe Price Trust Company | Common/collective trust | $48.9M |
| TRP U.s. Value Equity Trust C | T. Rowe Price Trust Company | Common/collective trust | $40.7M |
| TRP Large CAP Growth TR D | T. Rowe Price Trust Company | Common/collective trust | $29.4M |
| TRP U.s. Large-cap Core TR C | T. Rowe Price Trust Company | Common/collective trust | $23.2M |
| TRP Intl Small CAP Equity TR A | T. Rowe Price Trust Company | Common/collective trust | $22.3M |
| TRP Retirement 2065 TR E | T. Rowe Price Trust Company | Common/collective trust | $21.6M |
| TRP Intl Growth Equity Trust A | T. Rowe Price Trust Company | Common/collective trust | $20.7M |
| TRP Emerging Markets EQ Trust A | T. Rowe Price Trust Company | Common/collective trust | $19.3M |
| TRP Global GR EQ A | T. Rowe Price Trust Company | Common/collective trust | $16.6M |
| TRP Retirement 2015 TR E | T. Rowe Price Trust Company | Common/collective trust | $13.5M |
| TRP Internatl Core Equity Trust A | T. Rowe Price Trust Company | Common/collective trust | $8.3M |
| TRP Retirement 2010 TR E | T. Rowe Price Trust Company | Common/collective trust | $7.5M |
| TRP Global Multi-sctr BD TR A | T. Rowe Price Trust Company | Common/collective trust | $7.5M |
| TRP US STR RES EXT TR A | T. Rowe Price Trust Company | Common/collective trust | $7.1M |
| TRP Bond Trust I T5 | T. Rowe Price Trust Company | Common/collective trust | $6.9M |
| TRP Emerging Markets Bond TR A | T. Rowe Price Trust Company | Common/collective trust | $6.1M |
| TRP Dynamic Glbl BD A | T. Rowe Price Trust Company | Common/collective trust | $5.1M |
| TRP EMG Mrkts Disc Stck TR A | T. Rowe Price Trust Company | Common/collective trust | $4.9M |
| TRP Intl Value Equity TR A | T. Rowe Price Trust Company | Common/collective trust | $4.7M |
| TRP SM & MID CAP Core Trust D | T. Rowe Price Trust Company | Common/collective trust | $4.5M |
| TRP Retirement 2005 TR E | T. Rowe Price Trust Company | Common/collective trust | $4.1M |
| TRP Real Assets Trust I D | T. Rowe Price Trust Company | Common/collective trust | $3.2M |
| TRP Retirement BAL TR E | T. Rowe Price Trust Company | Common/collective trust | $1.7M |
| TRP Intl Bond TR A | T. Rowe Price Trust Company | Common/collective trust | $806,257 |
| TRP Dynamic Emerg Bond TR A | T. Rowe Price Trust Company | Common/collective trust | $154,161 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $1.3B | 26.8% |
| Common/collective trusts | $3.5B | 70.8% |
| Participant loans | $15.3M | 0.3% |
| Other investments | $39.2M | 0.8% |
Fees paid from plan assets
| Total administrative expenses | $0 |
Reported administrative expenses were about 0.000% of average plan assets, or about $0 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 20250707143606NAL0003885665001. EIN 522264646.