The PNC Financial Services Group, Inc. 401(k): best low-cost funds
The PNC Financial Services Group, Inc. Incentive Savings Plan · Plan #001 · Pittsburgh, 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 |
|---|---|---|---|
| Ssga S&P 500 Fund index | State Street Bank And Trust Company | Common/collective trust | $2.7B |
| Russell Small/mid CAP Index index | State Street Bank And Trust Company | Common/collective trust | $995.6M |
| Lifepath Index Retirement Fund G index | Blackrock Instl Trust Company N.a. | Common/collective trust | $676.9M |
| Lifepath Index 2035 Fund G index | Blackrock Instl Trust Company N.a. | Common/collective trust | $614.9M |
| Lifepath Index 2030 Fund G index | Blackrock Instl Trust Company N.a. | Common/collective trust | $597.3M |
| Lifepath Index 2040 Fund G index | Blackrock Instl Trust Company N.a. | Common/collective trust | $517.4M |
| Lifepath Index 2045 Fund G index | Blackrock Instl Trust Company N.a. | Common/collective trust | $511.2M |
| Lifepath Index 2050 Fund G index | Blackrock Instl Trust Company N.a. | Common/collective trust | $496.6M |
| Ssga Global Equity Index Fund index | State Street Bank And Trust Company | Common/collective trust | $413.7M |
| Ssga International Index Fund index | State Street Bank And Trust Company | Common/collective trust | $313.4M |
| Ssga U.s. Bond Fund | State Street Bank And Trust Company | Common/collective trust | $305.6M |
| TRP Stable Value Fund | T. Rowe Price Trust Company | Common/collective trust | $245.6M |
| Lifepath Index 2055 Fund G index | Blackrock Instl Trust Company N.a. | Common/collective trust | $178.0M |
| Lifepath Index 2060 G index | Blackrock Instl Trust Company N.a. | Common/collective trust | $138.8M |
| Ssga Emerging Markets | State Street Bank And Trust Company | Common/collective trust | $126.0M |
| Tips Fund | Blackrock Instl Trust Company N.a. | Common/collective trust | $84.0M |
| Lifepath Index 2065 Fund index | Blackrock Instl Trust Company N.a. | Common/collective trust | $62.9M |
| Ssga Real Return | State Street Bank And Trust Company | Common/collective trust | $38.9M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $236.6M | 2.3% |
| Common/collective trusts | $9.0B | 88.1% |
| Employer securities (company stock) | $492.7M | 4.8% |
| Participant loans | $117.5M | 1.2% |
Fees paid from plan assets
| Contract administrator fees | $3.8M |
| Investment advisory & management fees | $4.4M |
| Total administrative expenses | $8.2M |
Reported administrative expenses were about 0.084% of average plan assets, or about $109 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 20251015111606NAL0002308595003. EIN 251435979.