Linde Inc. 401(k): best low-cost funds
Linde Retirement Savings Plan · Plan #334 · Danbury, CT
Suggested simple Boglehead mix
- US stocks (~60%): Northern Trust S&P 500 Index
- International stocks (~20-30%): Northern Trust EAFE Index Fund
- Bonds (~10-20%): Vanguard Total Bond Market Index Institutional Plus
Fund names from the plan's public SEC Form 11-K filed 2025-06-20 (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 |
|---|---|---|---|
| NT S&P 500 IDX NL 5 index | Northern Trust Investments, Inc. | Common/collective trust | $331.1M |
| BTC Lifepath RET T | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $281.6M |
| BTC Lifepath 2030 T | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $251.2M |
| BTC Lifepath 2035 T | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $229.2M |
| NT R1000 GR IDX NL 4 | Northern Trust Global Investments | Common/collective trust | $185.1M |
| PRU Core Intermediate Bond | Prudential Trust Company | Common/collective trust | $164.4M |
| BTC Lifepath 2040 T | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $157.2M |
| BTC Lifepath 2045 T | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $123.9M |
| BTC Lifepath 2050 T | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $101.5M |
| SS RSL Smmdcp IDX K | State Street Global Advisors Trust CO | Common/collective trust | $71.1M |
| BTC Lifepath 2055 T | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $68.9M |
| NT R1000 VL IDX NL 4 | Northern Trust Global Investments | Common/collective trust | $45.9M |
| NT Eafe IDX NL 4 | Northern Trust Investments, Inc. | Common/collective trust | $33.0M |
| BTC Lifepath 2060 T | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $29.7M |
| NT Msci EMI NL 4 index | Northern Trust Investments, Inc. | Common/collective trust | $12.6M |
| BTC Lifepath 2065 T | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $11.9M |
| BTC Lifepath 2045 J | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $0 |
| BTC Lifepath 2050 J | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $0 |
| BTC Lifepath 2055 J | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $0 |
| BTC Lifepath 2060 J | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $0 |
| BTC Lifepath 2030 J | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $0 |
| BTC Lifepath 2035 J | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $0 |
| BTC Lifepath 2025 J | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $0 |
| BTC Lifepath 2040 J | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $0 |
| BTC Lifepath RET J | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $0 |
| BTC Lifepath 2065 J | Blackrock Inst. Trust Company, N.a. | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $59.6M | 2.0% |
| Common/collective trusts | $2.1B | 71.3% |
| Employer securities (company stock) | $661.1M | 22.5% |
| Participant loans | $50.6M | 1.7% |
| Other investments | $74.1M | 2.5% |
Fees paid from plan assets
| Contract administrator fees | $5,700 |
| Investment advisory & management fees | $61,500 |
| Other administrative fees | $24,388 |
| Total administrative expenses | $728,782 |
Reported administrative expenses were about 0.025% of average plan assets, or about $46 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 20250925093801NAL0009021184001. EIN 061249050.
FAQ
What are the best low-cost funds in the Linde Inc. 401(k)?
Based on public filings, index options include Northern Trust S&P 500 Index (US stocks), Northern Trust EAFE Index Fund (international stocks) and Vanguard Total Bond Market Index Institutional Plus (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the Linde 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 Linde Inc. 401(k) plan?
The plan reported about $2.9B in net assets and 15,998 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 manufacturing employers
- The Boeing CO. And Consolidated Subsidiaries
- Intel Corporation
- Exxon Mobil Corporation
- Pfizer INC
- Chevron Corporation
- Caterpillar Inc.