National Medical Care, Inc. 401(k): best low-cost funds
Fresenius Medical Care North America 401(k) Savings Plan · Plan #002 · Waltham, MA
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 |
|---|---|---|---|
| Equity Index Fund F index | Blackrock Institutional Trust Company N.a. | Common/collective trust | $1.6B |
| Blackrock Msci Acwi Ex-u.s. Index F index | Blackrock Institutional Trust Company N.a. | Common/collective trust | $441.4M |
| MID Capitalization Equity Fund F | Blackrock Institutional Trust Company N.a. | Common/collective trust | $344.8M |
| Russell 2000 Index Fund F index | Blackrock Institutional Trust Company N.a. | Common/collective trust | $290.8M |
| U.s. Debt Index Fund F index | Blackrock Institutional Trust Company N.a. | Common/collective trust | $253.9M |
| Emer Mkts Index Non-lendable Fund F index | Blackrock Institutional Trust Company N.a. | Common/collective trust | $122.3M |
| U.s. Trea Infl Protected SEC Fund F | Blackrock Institutional Trust Company N.a. | Common/collective trust | $30.7M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $30.4M | 0.7% |
| Common/collective trusts | $3.0B | 69.5% |
| Insurance co. general account | $980.6M | 22.4% |
| Employer securities (company stock) | $15.9M | 0.4% |
| Participant loans | $132.2M | 3.0% |
| Other investments | $78.4M | 1.8% |
Fees paid from plan assets
| Contract administrator fees | $0 |
| Investment advisory & management fees | $693,533 |
| Other administrative fees | $604,885 |
| Total administrative expenses | $2.6M |
Reported administrative expenses were about 0.063% of average plan assets, or about $53 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 20251007125615NAL0004795969001. EIN 042835488.
FAQ
What are the best low-cost funds in the National Medical Care, Inc. 401(k)?
The free public data doesn't list enough of the National Medical Care, Inc. 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 National Medical Care, Inc. 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 National Medical Care, Inc. 401(k) plan?
The plan reported about $4.4B in net assets and 49,065 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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