Zurich American Insurance Company 401(k): best low-cost funds
Zurich Savings Plan · Plan #003 · Schaumburg, 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 |
|---|---|---|---|
| Vftc Target Retirement 2030 TR SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $466.7M |
| Vftc Inst TTL STK MKT IX Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $435.5M |
| Vftc Target Retirement 2035 TR SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $412.8M |
| Vftc Target Retirement 2025 TR SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $398.4M |
| Vftc Target Retirement 2040 TR SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $279.9M |
| Vftc Target Retirement 2045 TR SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $250.1M |
| Vftc Target Retirement 2020 TR SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $176.5M |
| Vftc Retirement Savings Trust III | Vanguard Fiduciary Trust Company | Common/collective trust | $161.9M |
| Vftc Target Retirement 2050 TR SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $158.6M |
| Vftc Target Retirement INC TR SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $114.0M |
| Vftc Target Retirement 2055 TR SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $97.7M |
| Vftc Inst TTL Intl STK MKT IX Trst | Vanguard Fiduciary Trust Company | Common/collective trust | $97.3M |
| Vftc Inst TTL BND MKT IX Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $92.8M |
| Vftc Target Retirement 2060 TR SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $43.8M |
| Vftc Target Retirement 2065 TR SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $17.9M |
| Vftc Target Retirement 2070 TR SEL | Vanguard Fiduciary Trust Company | Common/collective trust | $2.1M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $375.3M | 10.2% |
| Common/collective trusts | $3.2B | 87.0% |
| Participant loans | $24.1M | 0.7% |
| Other investments | $28.3M | 0.8% |
Fees paid from plan assets
| Other administrative fees | $755,579 |
| Total administrative expenses | $755,579 |
Reported administrative expenses were about 0.021% of average plan assets, or about $53 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 20251013135609NAL0002108768001. EIN 364233459.