Baycare Health System 401(k): best low-cost funds
Baycare Health System Retirement Plan · Plan #001 · Clearwater, FL
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 |
|---|---|---|---|
| FID Blue CHP GR CP D | Fidelity Management Trust Company | Common/collective trust | $357.7M |
| Vanguard Target 2030 | Vanguard Fiduciary Trust Company | Common/collective trust | $337.5M |
| Vanguard Target 2035 | Vanguard Fiduciary Trust Company | Common/collective trust | $314.3M |
| Vanguard Target 2040 | Vanguard Fiduciary Trust Company | Common/collective trust | $285.9M |
| Vanguard Target 2045 | Vanguard Fiduciary Trust Company | Common/collective trust | $272.9M |
| Vanguard Target 2050 | Vanguard Fiduciary Trust Company | Common/collective trust | $244.1M |
| SP 500 Index PL CL C index | Geode Capital Management Trust | Common/collective trust | $205.2M |
| Vanguard Target 2025 | Vanguard Fiduciary Trust Company | Common/collective trust | $200.9M |
| Vanguard Target 2055 | Vanguard Fiduciary Trust Company | Common/collective trust | $167.4M |
| MFS MID CAP Value CT | Great Gray Trust Company | Common/collective trust | $106.3M |
| Vanguard Target 2020 | Vanguard Fiduciary Trust Company | Common/collective trust | $99.9M |
| Vanguard Target 2060 | Vanguard Fiduciary Trust Company | Common/collective trust | $80.4M |
| Vanguard Target INC | Vanguard Fiduciary Trust Company | Common/collective trust | $39.6M |
| SP EXT MKT IDX CL C | Geode Capital Management Trust | Common/collective trust | $29.9M |
| Vanguard Target 2065 | Vanguard Fiduciary Trust Company | Common/collective trust | $25.5M |
| SP Intl Index C index | Geode Capital Management, LLC | Common/collective trust | $18.8M |
| Vanguard Target 2070 | Vanguard Fiduciary Trust Company | Common/collective trust | $2.2M |
| Vanguard Target 2025 | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vanguard Target 2050 | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vanguard Target 2030 | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vanguard Target 2060 | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vanguard Target 2055 | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vanguard Target 2020 | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vanguard Target 2035 | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| FID Blue CHP GR CP C | Fidelity Management Trust Company | Common/collective trust | $0 |
| Vanguard Target INC | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vanguard Target 2045 | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vanguard Target 2070 | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vanguard Target 2065 | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
| Vanguard Target 2040 | Vanguard Fiduciary Trust Company | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $139.6M | 4.5% |
| Common/collective trusts | $2.8B | 89.6% |
| Insurance co. general account | $76.4M | 2.5% |
| Participant loans | $55.4M | 1.8% |
Fees paid from plan assets
| Contract administrator fees | $5,700 |
| Investment advisory & management fees | $0 |
| Other administrative fees | $183,576 |
| Total administrative expenses | $1.6M |
Reported administrative expenses were about 0.056% of average plan assets, or about $41 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 20250902133416NAL0008796499001. EIN 592796965.
FAQ
What are the best low-cost funds in the Baycare Health System 401(k)?
The free public data doesn't list enough of the Baycare Health System plan's index funds to say. Look in your plan's fee disclosure (404a-5 notice) for a US stock index fund, an international index fund and a bond index fund with low expense ratios.
Can I build a three-fund portfolio in the Baycare Health System 401(k)?
Possibly. Many large plans offer the three building blocks, but the public data for this plan doesn't confirm it. A low-cost target-date index fund is a common one-fund alternative.
How big is the Baycare Health System 401(k) plan?
The plan reported about $3.1B in net assets and 39,256 participants with balances for plan year 2024, according to its DOL Form 5500 filing.
Where does this data come from?
From public U.S. Department of Labor Form 5500 filings (EFAST2) and, where noted, the plan's SEC Form 11-K. Data can be outdated or incomplete, and this page is not financial advice.
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