United Parcel Service Of America, Inc. 401(k): best low-cost funds
UPS 401(k) Savings Plan · Plan #004 · Atlanta, GA
Suggested simple Boglehead mix
- US stocks (~60%): Equity Index Fund F
- International stocks (~20-30%): Blackrock World EX US Index Fund
- Bonds (~10-20%): Intermediate Gov't Bond Index Fund
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 |
|---|---|---|---|
| Equity Index Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $3.9B |
| Extended Equity Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $1.6B |
| US Debt Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $1.1B |
| Blackrock World EX US Index Fund index | Blackrock Institutional Trust | Common/collective trust | $932.2M |
| Target Retirement 2035 SL SF C IV | State Street Bank & Trust | Common/collective trust | $378.0M |
| Target Retirement 2055 SL SF C IV | State Street Bank & Trust | Common/collective trust | $368.3M |
| Target Retirement 2050 SL SF C IV | State Street Bank & Trust | Common/collective trust | $365.5M |
| Target Retirement 2045 SL SF C IV | State Street Bank & Trust | Common/collective trust | $351.5M |
| Government Short-term Investment FU | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $337.1M |
| Target Retirement 2025 SL SF C IV | State Street Bank & Trust | Common/collective trust | $317.5M |
| Emerg Mkts Non-us Equity Fund | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $278.0M |
| Target Retirement 2040 SL SF C IV | State Street Bank & Trust | Common/collective trust | $259.2M |
| Target Retirement 2030 SL SF C IV | State Street Bank & Trust | Common/collective trust | $258.9M |
| Target Retirement 2060 SL SF C IV | State Street Bank & Trust | Common/collective trust | $219.5M |
| Target Retirement Income SL SF C IV | State Street Bank & Trust | Common/collective trust | $169.2M |
| Target Retirement 2020 SL SF C IV | State Street Bank & Trust | Common/collective trust | $109.8M |
| Strategic Completion Non-lendable F | Blackrock | Common/collective trust | $73.1M |
| Intermediate Term Credit Bond Fund | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $46.0M |
| SS Target Retirement 2065 SL SF CIV | State Street Bank & Trust | Common/collective trust | $40.2M |
| Mortgage-backed Securities Fund | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $30.2M |
| Asset Backed Security Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $24.1M |
| Intermediate Gov't Bond Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $17.0M |
| Commercial MBS Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $9.4M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $24.1M | 0.2% |
| Common/collective trusts | $11.1B | 78.4% |
| Employer securities (company stock) | $1.4B | 10.2% |
| Participant loans | $32.3M | 0.2% |
| Other investments | $855.5M | 6.0% |
Fees paid from plan assets
| Investment advisory & management fees | $8.2M |
| Total administrative expenses | $11.3M |
Reported administrative expenses were about 0.083% of average plan assets, or about $90 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 20251015115659NAL0004465985003. EIN 951732075.