Commonspirit Health 401(k): best low-cost funds
Commonspirit Health 401(k) Retirement Savings Plan · Plan #002 · Erlanger, KY
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 Retirement 2035 Trust | T. Rowe Price Trust Company | Common/collective trust | $952.2M |
| TRP Retirement 2045 Trust | T. Rowe Price Trust Company | Common/collective trust | $913.1M |
| TRP Retirement 2040 Trust | T. Rowe Price Trust Company | Common/collective trust | $888.4M |
| TRP Retirement 2050 Trust | T. Rowe Price Trust Company | Common/collective trust | $850.8M |
| TRP Retirement 2030 Ttrust | T. Rowe Price Trust Company | Common/collective trust | $846.7M |
| TRP Retirement 2025 Trust | T. Rowe Price Trust Company | Common/collective trust | $618.6M |
| TRP Retirement 2055 Trust | T. Rowe Price Trust Company | Common/collective trust | $564.8M |
| Equity Index Fund W index | Blackrock Institutional Trust Company, N.A | Common/collective trust | $461.2M |
| TRP Retirement 2060 Trust | T. Rowe Price Trust Company | Common/collective trust | $276.0M |
| TRP Retirement 2020 Trust | T. Rowe Price Trust Company | Common/collective trust | $247.2M |
| Extended Equity Market Fund M | Blackrock Institutional Trust Company,n.a | Common/collective trust | $153.3M |
| TRP Retirement 2065 Trust | T. Rowe Price Trust Company | Common/collective trust | $82.0M |
| Arrowstreet Intl EQ Eafe CIT C | Global Trust Company | Common/collective trust | $75.1M |
| TRP Retirement 2015 Trust | T. Rowe Price Trust Company | Common/collective trust | $66.6M |
| Blackrock Msci Acwi Ex-us IMI Index index | Blackrock Institutional Trust Company, N.A | Common/collective trust | $61.5M |
| Jpmcb US Value Cf-c | Jpmorgan Chase Bank, N.a. | Common/collective trust | $61.5M |
| Fiam Core Plus CL H | Fidelity Instit Asset Management Trust CO | Common/collective trust | $60.9M |
| U.s. Debt Index Fund J index | Blackrock Institutional Trust Company,n.a | Common/collective trust | $58.9M |
| TRP Retirement 2010 Trust | T. Rowe Price Trust Company | Common/collective trust | $18.6M |
| TRP Retirement 2005 Trust | T. Rowe Price Trust Company | Common/collective trust | $18.1M |
| American Cent U.s. VAL Yield EQU TR | American Century Multiple Investment Trust | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $912.7M | 10.3% |
| Common/collective trusts | $7.3B | 82.9% |
| Insurance co. general account | $203.8M | 2.3% |
| Participant loans | $121.5M | 1.4% |
Fees paid from plan assets
| Other administrative fees | $57,904 |
| Total administrative expenses | $2.0M |
Reported administrative expenses were about 0.024% of average plan assets, or about $120 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 20251010135955NAL0018181538001. EIN 470617373.
FAQ
What are the best low-cost funds in the Commonspirit Health 401(k)?
The free public data doesn't list enough of the Commonspirit Health 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 Commonspirit Health 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 Commonspirit Health 401(k) plan?
The plan reported about $8.8B in net assets and 16,860 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.
Other health care employers
- Kaiser Foundation Health Plan, Inc.
- Advocate Aurora Health, INC
- Laboratory Corporation Of America Holdings
- Davita Inc.
- HCA Inc.
- Kaiser Foundation Health Plan, Inc.