Travelers Companies, Inc. 401(k): best low-cost funds
The Travelers 401(k) Savings Plan · Plan #002 · ST. Paul, MN
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 |
|---|---|---|---|
| Vanguard Trgt RET 2045 Trst Select | Vanguard Fiduciary Trust Company | Common/collective trust | $461.4M |
| Vanguard Trgt RET 2035 Trst Select | Vanguard Fiduciary Trust Company | Common/collective trust | $386.9M |
| Vanguard Trgt RET 2050 Trst Select | Vanguard Fiduciary Trust Compamy | Common/collective trust | $370.1M |
| World Ex-us Index Nlsf CA A (zvbp) index | State Street Global Advisors | Common/collective trust | $362.6M |
| Vanguard Trgt RET 2030 Trst Select | Vanguard Fiduciary Trust Company | Common/collective trust | $327.7M |
| Vanguard Trgt RET 2025 Trst Select | Vanguard Fiduciary Trust Company | Common/collective trust | $291.6M |
| Vanguard Trgt RET 2040 Trst Select | Vanguard Fiduciary Trust Company | Common/collective trust | $288.6M |
| Vanguard Trgt RET 2055 Trst Select | Vanguard Fiduciary Trust Company | Common/collective trust | $279.3M |
| EMG Mkts Index Nlsf CL A (zv3w) index | State Street Global Advisors | Common/collective trust | $152.5M |
| Intermediate Core Fund | Goldman Sachs Trust Company, N.a. | Common/collective trust | $129.8M |
| Vanguard Trgt RET 2020 Trst Select | Vanguard Fiduciary Trust Company | Common/collective trust | $91.3M |
| Vanguard Trgt RET 2060 Trst Select | Vanguard Fiduciary Trust Compnay | Common/collective trust | $85.4M |
| Loomis Sayles Intermediate | The Loomis Sayles Trust Company, LLC | Common/collective trust | $84.4M |
| Vanguard Trgt RET INC Trst Select | Vanguard Fiduciary Trust Company | Common/collective trust | $79.5M |
| Term Fund 2026 | Goldman Sachs Trust Company, N.a. | 103-12 investment entity | $59.7M |
| Term Fund 2027 | Goldman Sachs Trust Company, N.a. | 103-12 investment entity | $58.8M |
| Term Fund 2025 | Goldman Sachs Trust Company, N.a. | 103-12 investment entity | $58.8M |
| Term Fund 2028 | Goldman Sachs Trust Company, N.a. | 103-12 investment entity | $53.6M |
| Vanguard Trgt RET 2065 Trst Select | Vanguard Fiduciary Trust Company | Common/collective trust | $36.7M |
| Term Fund 2024 | Goldman Sachs Trust Company, N.a. | 103-12 investment entity | $5.3M |
| Vanguard Trgt RET 2070 Trst Select | Vanguard Fiduciary Trust Company | Common/collective trust | $2.2M |
| Term Fund 2023 | Goldman Sachs Trust Company, N.a. | 103-12 investment entity | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $5.5B | 52.8% |
| Common/collective trusts | $3.4B | 33.0% |
| Insurance co. general account | $141.8M | 1.4% |
| Employer securities (company stock) | $429.7M | 4.1% |
| Participant loans | $99.4M | 1.0% |
| Other investments | $398.9M | 3.8% |
Fees paid from plan assets
| Contract administrator fees | $10,880 |
| Investment advisory & management fees | $202,210 |
| Other administrative fees | $2.6M |
| Total administrative expenses | $3.7M |
Reported administrative expenses were about 0.038% of average plan assets, or about $89 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 20250925101201NAL0008396353001. EIN 410518860.