The Prudential Insurance Company Of America 401(k): best low-cost funds
The Prudential Employee Savings Plan · Plan #002 · Newark, NJ
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 |
|---|---|---|---|
| Russell 3000 Index Fund F index | Blackrock Institutional Trust Company, NA | Common/collective trust | $2.5B |
| Blackrock Msci Acwi Ex-us Index index | Blackrock Institutional Trust Company, NA | Common/collective trust | $720.5M |
| Russell 2000 Index Fund F index | Blackrock Institutional Trust Company, NA | Common/collective trust | $640.1M |
| Prudential Core Conservative Bond | Empower Trust Company, LLC | Common/collective trust | $392.1M |
| Prudential Retirement Real Estate | Prudential Insurance CO. Of America | Pooled separate account | $252.4M |
| Wellington Trust CO Int'l OPP Fund | Wellington Trust Company, NA | Common/collective trust | $185.9M |
| Wellington Trust CO DV INF HG Fund | Wellington Trust Company, NA | Common/collective trust | $166.2M |
| Prudential High Yield Fund | Empower Trust Company, LLC | Common/collective trust | $154.5M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $1.0B | 9.5% |
| Common/collective trusts | $4.7B | 44.0% |
| Pooled separate accounts | $252.4M | 2.4% |
| Common stock (direct) | $1.5B | 14.4% |
| Participant loans | $30.5M | 0.3% |
| Other investments | $3.2B | 29.5% |
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 20261014191252NAL0006830339001. EIN 221211670.