United Airlines, Inc. 401(k): best low-cost funds
United Airlines Pilot Retirement Account Plan · Plan #202 · Chicago, IL
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 Total Stock Market Index index | Vanguard Fiduciary Trust Company | Common/collective trust | $1.5B |
| MFS Heritage TR CO Collective Fund | MFS Heritage Trust Company | Common/collective trust | $305.5M |
| Loomis Sayles Multisector Full Disc | Loomis Sayles Trust Company LLC | Common/collective trust | $296.6M |
| Pimco Real RTN Collve TR II | SEI Trust Company | Common/collective trust | $163.7M |
| Pimco Realestate PLS Collve TR | SEI Trust Company | Common/collective trust | $154.5M |
| Schroder Emerging Markets Fund | Schroder Investment Management Firm | Common/collective trust | $132.2M |
| Pimco Commodities PLS Collve TR | SEI Trust Company | Common/collective trust | $85.1M |
| Pimco Diversified Real Asset Collec | SEI Trust Company | Common/collective trust | $60.5M |
| Wells Fargo Synthetic Stable VAL FD | Wells Fargo Bank N.a. | Common/collective trust | $29.5M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $2.9B | 17.1% |
| Common/collective trusts | $2.7B | 16.0% |
| Common stock (direct) | $2.4B | 14.4% |
| Participant loans | $65.1M | 0.4% |
| Other investments | $8.8B | 52.2% |
Fees paid from plan assets
| Investment advisory & management fees | $27.4M |
| Total administrative expenses | $27.7M |
Reported administrative expenses were about 0.178% of average plan assets, or about $1,382 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 20260429165613NAL0006006931001. EIN 742099724.