Equitable Financial Life Insurance Company 401(k): best low-cost funds
The Equitable 401(k) Plan · Plan #005 · Syracuse, NY
Suggested simple Boglehead mix
- US stocks (~60%): Equity Index Fund F
- International stocks (~20-30%): Blackrock Msci Acwi Ex-u.s.imi IND
- Bonds (~10-20%): 1-3 Year Govt Bond Index Fund F
Example built from fund names in the filing. Confirm these are on your current menu and check their 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 |
|---|---|---|---|
| Equity Index Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $968.3M |
| Russell 2500 Index Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $202.5M |
| Blackrock Msci Acwi Ex-u.s.imi IND index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $158.2M |
| Fiam Group Core Plus Commingled | Fidelity Institutional Asset Management | Common/collective trust | $111.3M |
| US Debt Index Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $98.9M |
| Ftse Epra Nareit US Real Estate SEC | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $57.3M |
| Sprucegrove Coll INV Trust | SEI Trust Company | Common/collective trust | $56.7M |
| MFS Intl Growth Fund | MFS Heritage Trust Company | Common/collective trust | $55.1M |
| US Treasury Infl Protected Secur | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $38.7M |
| MFS International Growth Fund | MFS Heritagetrust Company | Common/collective trust | $31.8M |
| AB US High Yield Collective Trust | Alliancebernstein LP | Common/collective trust | $28.1M |
| 1-3 Year Govt Bond Index Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $25.7M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $346.4M | 13.1% |
| Common/collective trusts | $1.8B | 69.2% |
| Insurance co. general account | $314.7M | 11.9% |
| Participant loans | $26.0M | 1.0% |
| Other investments | $129.9M | 4.9% |
Fees paid from plan assets
| Contract administrator fees | $0 |
| Investment advisory & management fees | $0 |
| Other administrative fees | $314,024 |
| Total administrative expenses | $1.0M |
Reported administrative expenses were about 0.040% of average plan assets, or about $78 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 20251014073636NAL0003297504001. EIN 135570651.
FAQ
What are the best low-cost funds in the Equitable Financial Life Insurance Company 401(k)?
Based on public filings, index options include Equity Index Fund F (US stocks), Blackrock Msci Acwi Ex-u.s.imi IND (international stocks) and 1-3 Year Govt Bond Index Fund F (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the Equitable Financial Life Insurance Company 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 Equitable Financial Life Insurance Company 401(k) plan?
The plan reported about $2.6B in net assets and 12,912 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 finance & insurance employers
- Citigroup Inc.
- Morgan Stanley Domestic Holdings, LLC
- The Goldman Sachs Group, Inc.
- U.s. Bancorp
- United Services Automobile Association
- Liberty Mutual Group Inc.