Workday, Inc. 401(k): best low-cost funds
Workday, Inc. 401(k) Plan · Plan #001 · Pleasanton, 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 |
|---|---|---|---|
| Vang Inst 500 IDX TR | Vanguard Fiduciary Trust Company | Common/collective trust | $461.3M |
| CG 2055 TD TD3 | Capital Bank And Trust Company | Common/collective trust | $208.9M |
| CG 2045 TD TD3 | Capital Bank And Trust Company | Common/collective trust | $202.3M |
| CG 2040 TD TD3 | Capital Bank And Trust Company | Common/collective trust | $198.2M |
| CG 2050 TD TD3 | Capital Bank And Trust Company | Common/collective trust | $196.5M |
| CG 2035 TD TD3 | Capital Bank And Trust Company | Common/collective trust | $169.3M |
| CG 2030 TD TD3 | Capital Bank And Trust Company | Common/collective trust | $108.2M |
| VG IS EXT MKT IDX C | Vanguard Fiduciary Trust Company | Common/collective trust | $100.6M |
| CG 2060 TD TD3 | Capital Bank And Trust Company | Common/collective trust | $99.4M |
| VG IS TL Intl STK MK | Vanguard Fiduciary Trust Company | Common/collective trust | $76.4M |
| CG 2025 TD TD3 | Capital Bank And Trust Company | Common/collective trust | $52.8M |
| VG IS TOT BD MKT IDX | Vanguard Fiduciary Trust Company | Common/collective trust | $36.0M |
| CG 2065 TD TD3 | Capital Bank And Trust Company | Common/collective trust | $13.8M |
| Vang RET SAV TR IV | Vanguard Fiduciary Trust Company | Common/collective trust | $10.8M |
| CG 2020 TD TD3 | Capital Bank And Trust Company | Common/collective trust | $9.6M |
| CG 2010 TD TD3 | Capital Bank And Trust Company | Common/collective trust | $3.4M |
| CG 2015 TD TD3 | Capital Bank And Trust Company | Common/collective trust | $2.8M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $534.2M | 20.5% |
| Common/collective trusts | $2.0B | 74.7% |
| Common stock (direct) | $55.5M | 2.1% |
| Participant loans | $16.1M | 0.6% |
Fees paid from plan assets
| Contract administrator fees | $900 |
| Investment advisory & management fees | $449,131 |
| Other administrative fees | $435,707 |
| Total administrative expenses | $1.3M |
Reported administrative expenses were about 0.057% of average plan assets, or about $88 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 20251013112359NAL0001204753001. EIN 202480422.