U.s. Bancorp 401(k): best low-cost funds
U.s. Bank 401(k) Savings Plan · Plan #004 · Minneapolis, MN
Suggested simple Boglehead mix
- US stocks (~60%): Institutional 500 Index Trust
- International stocks (~20-30%): Developed Markets Index Fund
- Bonds (~10-20%): Institutional Total Bond
Example built from fund names in the filing. Confirm these are on your current menu and check their expense ratios. Adjust the bond share for your age and risk tolerance.
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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 |
|---|---|---|---|
| Institutional 500 Index Trust index | Vanguard | Common/collective trust | $2.8B |
| Institutional Extended | Vanguard | Common/collective trust | $987.7M |
| Target Retirement 2035 Trust | Vanguard | Common/collective trust | $765.9M |
| Developed Markets Index Fund index | Vanguard | Common/collective trust | $746.1M |
| Target Retirement 2045 Trust | Vanguard | Common/collective trust | $734.8M |
| Target Retirement 2030 Trust | Vanguard | Common/collective trust | $722.6M |
| Target Retirement 2040 Trust | Vanguard | Common/collective trust | $685.2M |
| Target Retirement 2050 Trust | Vanguard | Common/collective trust | $552.3M |
| Target Retirement 2025 Trust | Vanguard | Common/collective trust | $500.7M |
| Institutional Total Bond index | Vanguard | Common/collective trust | $424.6M |
| Target Retirement 2055 Trust | Vanguard | Common/collective trust | $306.0M |
| Fixed Income Fund L | Wells Fargo Bank, N.a. | Common/collective trust | $262.1M |
| Fixed Income Fund F | Wells Fargo Bank, N.a. | Common/collective trust | $201.3M |
| Target Retirement 2020 Trust | Vanguard | Common/collective trust | $165.1M |
| Target Retirement 2060 Trust | Vanguard | Common/collective trust | $143.2M |
| Target Retirement Income Trust | Vanguard | Common/collective trust | $53.6M |
| Target Retirement 2065 Trust | Vanguard | Common/collective trust | $45.9M |
| Short Term Investment Fund II | Wells Fargo Bank, N.a. | Common/collective trust | $20.5M |
| Target Retirement Date 2070 | Vanguard | Common/collective trust | $10.4M |
| International Equity Index index | Vanguard | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $602,802 | 0.0% |
| Common/collective trusts | $10.1B | 88.7% |
| Employer securities (company stock) | $752.0M | 6.6% |
| Participant loans | $135.1M | 1.2% |
| Other investments | $147.1M | 1.3% |
Fees paid from plan assets
| Investment advisory & management fees | $7.2M |
| Total administrative expenses | $9.8M |
Reported administrative expenses were about 0.090% of average plan assets, or about $112 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 20251014102030NAL0002608113001. EIN 410255900.