Dillard's, Inc. 401(k): best low-cost funds
Dillard's, Inc. Investment & Employee Stock Ownership Plan · Plan #111 · Little Rock, AR
Suggested simple Boglehead mix
- US stocks (~60%): State Street S&P 500 Index SL Class II
- International stocks (~20-30%): State Street Global All Cap Equity ex-US Index SL Class II
- Bonds (~10-20%): State Street U.S. Bond Index SL Class XIV
Fund names from the plan's public SEC Form 11-K filed 2025-06-18 (fund list in the annual report). Confirm they are on your current menu and check expense ratios. Adjust the bond share for your age and risk tolerance.
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 |
|---|---|---|---|
| Galliard Stable Return Fund X | SEI Trust Company | Common/collective trust | $174.9M |
| ST STR S&P 500 Index SL SF CL II index | State Street Global Advisors Trust Company | Common/collective trust | $146.5M |
| Harbor Capital Appreciation CIT CL4 | Harbor Trust Company, Inc. | Common/collective trust | $91.1M |
| ST Street US Bond Indx SL SF CL XIV | State Street Global Advisors Trust Company | Common/collective trust | $38.8M |
| ST STR Glbl Allcap EQ Exus SL SF II | State Street Global Advisors Trust Company | Common/collective trust | $29.9M |
| ST Street US INF PR BD IDX SL CL II | State Street Global Advisors Trust Company | Common/collective trust | $27.4M |
| ST STR Russell Sm/md CAP SL CL II index | State Street Global Advisors Trust Company | Common/collective trust | $16.8M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $250.8M | 8.3% |
| Common/collective trusts | $525.5M | 17.5% |
| Employer securities (company stock) | $2.1B | 69.7% |
| Participant loans | $7.6M | 0.3% |
Fees paid from plan assets
| Investment advisory & management fees | $106,832 |
| Other administrative fees | $46,342 |
| Total administrative expenses | $2.4M |
Reported administrative expenses were about 0.081% of average plan assets, or about $64 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 20251015220106NAL0003036867001. EIN 710388071.
FAQ
What are the best low-cost funds in the Dillard's, Inc. 401(k)?
Based on public filings, index options include State Street S&P 500 Index SL Class II (US stocks), State Street Global All Cap Equity ex-US Index SL Class II (international stocks) and State Street U.S. Bond Index SL Class XIV (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the Dillard's, Inc. 401(k)?
It appears so: the filing lists a US stock index fund, an international index fund and a bond index fund. The split between them depends on your own goals and risk tolerance.
How big is the Dillard's, Inc. 401(k) plan?
The plan reported about $3.0B in net assets and 36,958 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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