The Goldman Sachs Group, Inc. 401(k): best low-cost funds
The Goldman Sachs 401(k) Plan · Plan #001 · NEW York, NY
Suggested simple Boglehead mix
- US stocks (~60%): Ssga S&P 500 R Index NL SF CL K
- International stocks (~20-30%): BLK Msci Eafe Equity IDX NL Fund F
- Bonds (~10-20%): Ssga U.s. Bond Index NL SF Class M
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 |
|---|---|---|---|
| Ssga S&P 500 R Index NL SF CL K index | State Street Global Advisors | Common/collective trust | $2.9B |
| Equity Growth NL Fund F | Blackrock Inst TRU Company NA | Common/collective trust | $609.2M |
| BLK Lifepath Index 2055 NL Fund F index | Blackrock Inst TRU Company NA | Common/collective trust | $506.8M |
| BLK Lifepath Index 2045 NL Fund F index | Blackrock Inst TRU Company NA | Common/collective trust | $496.7M |
| BLK Lifepath Index 2050 NL Fund F index | Blackrock Inst TRU Company NA | Common/collective trust | $460.0M |
| Equity Value NL Fund F | Blackrock Inst TRU Company NA | Common/collective trust | $411.2M |
| BLK Lifepath Index 2040 NL Fund F index | Blackrock Inst TRU Company NA | Common/collective trust | $356.9M |
| Ssga S&P Midcap Index NL SF CL M index | State Street Global Advisors | Common/collective trust | $355.0M |
| Ssga Russell 2000 Index NL SF CL K index | State Street Global Advisors | Common/collective trust | $334.5M |
| BLK Lifepath Index 2035 NL Fund F index | Blackrock Inst TRU Company NA | Common/collective trust | $284.6M |
| BLK Lifepath Index 2060 NL Fund F index | Blackrock Inst TRU Company NA | Common/collective trust | $223.1M |
| BLK Lifepath Index Rtmt NL Fund F index | Blackrock Inst TRU Company NA | Common/collective trust | $207.1M |
| BLK Lifepath Index 2030 NL Fund F index | Blackrock Inst TRU Company NA | Common/collective trust | $203.8M |
| Ssga EMG Mkts Indx NL SF CL A ZV3 | State Street Global Advisors | Common/collective trust | $155.7M |
| Fiam Core Plus Commingled Pool | Fidelity Institutional Asset Management Trust Company | Common/collective trust | $122.4M |
| BLK Msci Eafe Equity IDX NL Fund F index | Blackrock Inst TRU Company NA | Common/collective trust | $113.4M |
| Ssga U.s. Bond Index NL SF Class M index | State Street Global Advisors | Common/collective trust | $75.0M |
| 20+ Treasury Bond Fund F | Blackrock Inst TRU Company NA | Common/collective trust | $68.7M |
| BLK Lifepath Index 2065 NL Fund F index | Blackrock Inst TRU Company NA | Common/collective trust | $7.1M |
| BLK Lifepath Index 2025 NL Fund F index | Blackrock Inst TRU Company NA | Common/collective trust | $0 |
| Ssga Real Asset NL SF Class C | State Street Global Advisors | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $1.4B | 10.7% |
| Common/collective trusts | $7.8B | 61.5% |
| Employer securities (company stock) | $287.4M | 2.3% |
| Common stock (direct) | $2.2B | 17.1% |
| Participant loans | $31.1M | 0.2% |
| Other investments | $322.1M | 2.5% |
Fees paid from plan assets
| Investment advisory & management fees | $15.0M |
| Other administrative fees | $69,107 |
| Total administrative expenses | $16.1M |
Reported administrative expenses were about 0.134% of average plan assets, or about $330 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 20251015145512NAL0009864834001. EIN 134019460.