Trader Joe's Company 401(k): best low-cost funds
Trader Joe's Company Retirement Plan · Plan #002 · Monrovia, CA
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 |
|---|---|---|---|
| CAP GRP American Balanced Trust U34 | Capital Group | Common/collective trust | $2.1B |
| Invesco Stable Value Fund | Invesco Funds | Common/collective trust | $71.7M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $986.9M | 30.8% |
| Common/collective trusts | $2.2B | 69.2% |
Fees paid from plan assets
| Contract administrator fees | $0 |
| Investment advisory & management fees | $300,000 |
| Other administrative fees | $0 |
| Total administrative expenses | $620,109 |
Reported administrative expenses were about 0.021% of average plan assets, or about $14 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 20251009175940NAL0016224850001. EIN 951987958.