WSP USA Buildings Inc. 401(k): best low-cost funds
WSP USA Retirement Savings Plan · Plan #001 · NEW York, NY
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 |
|---|---|---|---|
| TRP Blue Chip Growth Trust | T. Rowe Price Trust Company | Common/collective trust | $319.9M |
| T. Rowe Price Retirement 2030 Trust | T. Rowe Price Trust Company | Common/collective trust | $297.1M |
| Vanguard Inst 500 Index TR index | Vanguard Fiduciary Trust Company | Common/collective trust | $267.1M |
| T. Rowe Price Retirement 2025 Trust | T. Rowe Price Trust Company | Common/collective trust | $253.7M |
| T. Rowe Price Retirement 2035 Trust | T. Rowe Price Trust Company | Common/collective trust | $251.7M |
| T. Rowe Price Retirement 2040 Trust | T. Rowe Price Trust Company | Common/collective trust | $231.5M |
| T. Rowe Price Retirement 2045 Trust | T. Rowe Price Trust Company | Common/collective trust | $194.7M |
| T. Rowe Price Retirement 2050 Trust | T. Rowe Price Trust Company | Common/collective trust | $169.3M |
| TRP Stable Value Common Trust Fund | T. Rowe Price Trust Company | Common/collective trust | $163.8M |
| T. Rowe Price Retirement 2055 Trust | T. Rowe Price Trust Company | Common/collective trust | $124.3M |
| T. Rowe Price Retirement 2020 Trust | T. Rowe Price Trust Company | Common/collective trust | $120.1M |
| T. Rowe Price NEW Horizons Trust | T. Rowe Price Trust Company | Common/collective trust | $116.7M |
| T. Rowe Price Retirement 2060 Trust | T. Rowe Price Trust Company | Common/collective trust | $69.1M |
| Prudential Core Plus Bond 3 | Prudential Trust Company | Common/collective trust | $54.7M |
| Vanguard Inst EXT MKT Index TR index | Vanguard Fiduciary Trust Company | Common/collective trust | $54.1M |
| T. Rowe Price Retirement 2015 Trust | T. Rowe Price Trust Company | Common/collective trust | $50.8M |
| VG Inst TTL INT STK MK IN TR | Vanguard Fiduciary Trust Company | Common/collective trust | $43.1M |
| VG Inst Total Bond MKT IND TR index | Vanguard Fiduciary Trust Company | Common/collective trust | $41.3M |
| T. Rowe Price Retirement 2010 Trust | T. Rowe Price Trust Company | Common/collective trust | $22.8M |
| T. Rowe Price Retirement 2065 Trust | T. Rowe Price Trust Company | Common/collective trust | $20.1M |
| TRP Retirement Balanced Trust | T. Rowe Price Trust Company | Common/collective trust | $14.7M |
| T. Rowe Price Retirement 2005 Trust | T. Rowe Price Trust Company | Common/collective trust | $9.3M |
| Reliance Metlife Stable Value | Reliance Trust Company | Common/collective trust | $171,238 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $315.1M | 9.5% |
| Common/collective trusts | $2.9B | 87.1% |
| Participant loans | $25.0M | 0.8% |
| Other investments | $86.0M | 2.6% |
Fees paid from plan assets
| Investment advisory & management fees | $322,266 |
| Other administrative fees | $20,930 |
| Total administrative expenses | $1.5M |
Reported administrative expenses were about 0.048% of average plan assets, or about $70 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 20250915083959NAL0002508162001. EIN 131730785.