The Interpublic Group Of Companies, Inc. 401(k): best low-cost funds
The Interpublic Group Of Companies, Inc. Savings Plan · Plan #003 · NEW York, NY
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.
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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 |
|---|---|---|---|
| NT S&P 500 Index Fund DC NL T5 index | Northern Trust Global Investments | Common/collective trust | $907.4M |
| Capital Group Europacific Growth SA | Empower Annuity Insurance Company | Pooled separate account | $308.1M |
| Smart Retirement DRE 2045-cf-b | Jpmorgan Chase Bank | Common/collective trust | $283.7M |
| Wellington Smid CAP Research Equity | Wellington Trust CO | Common/collective trust | $222.2M |
| Smart Retirement DRE 2040-cf-b | Jpmorgan Chase Bank | Common/collective trust | $220.1M |
| Smart Retirement DRE 2035-cf-b | Jpmorgan Chase Bank | Common/collective trust | $196.6M |
| Smart Retirement DRE 2050-cf-b | Jpmorgan Chase Bank | Common/collective trust | $162.5M |
| Smart Retirement DRE 2030-cf-b | Jpmorgan Chase Bank | Common/collective trust | $148.5M |
| NT Aggregate Bond Index Fund NL T4 index | Northern Trust Global Investments | Common/collective trust | $146.3M |
| Smart Retirement DRE 2055-cf-b | Jpmorgan Chase Bank | Common/collective trust | $132.0M |
| Intermediate Bond Fund | Jpmorgan Chase Bank | Common/collective trust | $113.1M |
| Smart Retirement DRE 2025-cf-b | Jpmorgan Chase Bank | Common/collective trust | $67.3M |
| Smart Retirement DRE 2060-cf-b | Jpmorgan Chase Bank | Common/collective trust | $66.9M |
| Smart Retirement DRE Income-cf-b | Jpmorgan Chase Bank | Common/collective trust | $54.4M |
| Intermediate Income Bond Fund | JP Morgan Chase Bank | Common/collective trust | $36.4M |
| Liquidity Fund | Jpmorgan Chase Bank | Common/collective trust | $5.7M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $611.1M | 15.0% |
| Common/collective trusts | $2.8B | 67.8% |
| Pooled separate accounts | $308.1M | 7.6% |
| Insurance co. general account | $306,359 | 0.0% |
| Employer securities (company stock) | $7.1M | 0.2% |
| Common stock (direct) | $282.1M | 6.9% |
| Participant loans | $20.9M | 0.5% |
| Other investments | $77.5M | 1.9% |
Fees paid from plan assets
| Contract administrator fees | $0 |
| Investment advisory & management fees | $3.6M |
| Other administrative fees | $23,239 |
| Total administrative expenses | $4.4M |
Reported administrative expenses were about 0.114% of average plan assets, or about $132 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 20251001134755NAL0012703553001. EIN 131024020.