Mcdonalds Corporation And Subsidiaries 401(k): best low-cost funds
Mcdonald's Corporation 401(k) Plan · Plan #001 · Chicago, IL
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 |
|---|---|---|---|
| NT Collective S&P Index Fund DC NON index | Northern Trust Investments Inc. | Common/collective trust | $587.9M |
| AON Hewitt Global Equity Class 1 | AON Hewitt Collective Investment Trust | Common/collective trust | $338.5M |
| NT Collective Extended Equity Index index | Northern Trust Investment INC | Common/collective trust | $173.1M |
| AON Hewitt Income Class 1 | AON Hewitt Collective Investment Trust | Common/collective trust | $171.0M |
| Collective ALL CTY WLD Ex-us INV | Northern Trust Investments INC | Common/collective trust | $127.0M |
| NT Collective Aggregate Bond Index index | Northern Trust Investment INC | Common/collective trust | $99.0M |
| Loomis Sayles Intermed Gov/credit T | Loomis Sayles Trust Company LLC | Common/collective trust | $74.3M |
| Intermediate Core Fund | Goldman Sachs Trust CO NA | Common/collective trust | $67.6M |
| Ssga 2035 SEC Lending SER FD CL IV | State Street Global Advisor Trust CO | Common/collective trust | $57.3M |
| Wtc-cif II Intermediate Core | Wellington Trust CO NA | Common/collective trust | $56.8M |
| Ssga 2040 SEC Lending SER FD CL IV | State Street Global Advisor Trust CO | Common/collective trust | $51.9M |
| Ssga 2045 SEC Lending SER FD CL IV | State Street Global Advisor Trust CO | Common/collective trust | $48.3M |
| Ssga 2030 SEC Lending SER FD CL IV | State Street Global Advisor Trust CO | Common/collective trust | $46.5M |
| Ssga 2050 SEC Lending SER FD CL IV | State Street Global Advisor Trust CO | Common/collective trust | $38.6M |
| Pgim Retirement Real Estate II LP | Prref II LP | 103-12 investment entity | $35.4M |
| Ssga 2055 SEC Lending SER FD CL IV | State Street Global Advisor Trust CO | Common/collective trust | $34.1M |
| NTC Collective Stif | Northern Trust Global Investments | Common/collective trust | $29.9M |
| Ssga 2025 SEC Lending SER FD CL IV | State Street Global Advisor Trust CO | Common/collective trust | $27.2M |
| AON Hewitt Inflation Strategy Class | AON Hewitt Collective Investment Trust | Common/collective trust | $26.1M |
| Term Fund 2025 | Goldman Sachs Trust CO NA | 103-12 investment entity | $24.0M |
| Multi-asset Credit Fund II | Eaton Vance Trust CO | Common/collective trust | $23.8M |
| Ssga 2060 SEC Lending SER FD CL IV | State Street Global Advisor Trust CO | Common/collective trust | $23.8M |
| Term Fund 2027 | Goldman Sachs Trust CO NA | 103-12 investment entity | $21.2M |
| Term Fund 2028 | Goldman Sachs Trust CO NA | 103-12 investment entity | $21.1M |
| Term Fund 2026 | Goldman Sachs Trust CO NA | 103-12 investment entity | $20.2M |
| Earnest Partners Smid CAP Core CL A | Earnest Partners | Common/collective trust | $17.7M |
| Ssga 2020 SEC Lending SER FD CL IV | State Street Global Advisor Trust CO | Common/collective trust | $9.2M |
| Ssga Target RET Income SL FD CL IV | State Street Global Advisor Trust CO | Common/collective trust | $7.5M |
| Term Fund 2024 | Goldman Sachs Trust CO NA | 103-12 investment entity | $2.5M |
| Ssga 2065 SEC Lending SER FD CL IV | State Street Global Advisor Trust CO | Common/collective trust | $1.5M |
| State Street Reit IND NON Lend Cmx2 | State Street Global Advisor Trust CO | Common/collective trust | $1.3M |
| AON Hewitt IND 2055 RET Sol-class 1 | AON Hewitt Collective Investment Trust | Common/collective trust | $0 |
| Term Fund 2023 | Goldman Sachs Trust CO NA | 103-12 investment entity | $0 |
| AON Hewitt IND Retir INC Fd-class 1 | AON Hewitt Collective Investment Trust | Common/collective trust | $0 |
| AON Hewitt IND 2060 RET Sol-class 1 | AON Hewitt Collective Investment Trust | Common/collective trust | $0 |
| AON Hewitt IND 2015 RET Sol-class 1 | AON Hewitt Collective Investment Trust | Common/collective trust | $0 |
| AON Hewitt IND 2020 RET Sol-class 1 | AON Hewitt Collective Investment Trust | Common/collective trust | $0 |
| AON Hewitt IND 2025 RET Sol-class 1 | AON Hewitt Collective Investment Trust | Common/collective trust | $0 |
| AON Hewitt IND 2030 RET Sol-class 1 | AON Hewitt Collective Investment Trust | Common/collective trust | $0 |
| AON Hewitt IND 2035 RET Sol-class 1 | AON Hewitt Collective Investment Trust | Common/collective trust | $0 |
| AON Hewitt IND 2040 RET Sol-class 1 | AON Hewitt Collective Investment Trust | Common/collective trust | $0 |
| AON Hewitt IND 2045 RET Sol-class 1 | AON Hewitt Collective Investment Trust | Common/collective trust | $0 |
| AON Hewitt IND 2050 RET Sol-class 1 | AON Hewitt Collective Investment Trust | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Common/collective trusts | $2.1B | 57.2% |
| Employer securities (company stock) | $1.4B | 38.6% |
| Participant loans | $29.0M | 0.8% |
Fees paid from plan assets
| Investment advisory & management fees | $1.5M |
| Total administrative expenses | $1.8M |
Reported administrative expenses were about 0.047% of average plan assets, or about $97 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 20251001111800NAL0005895203001. EIN 362361282.
FAQ
What are the best low-cost funds in the Mcdonalds Corporation And Subsidiaries 401(k)?
The free public data doesn't list enough of the Mcdonalds Corporation And Subsidiaries 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 Mcdonalds Corporation And Subsidiaries 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 Mcdonalds Corporation And Subsidiaries 401(k) plan?
The plan reported about $3.7B in net assets and 18,131 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.