Southern Company Services, Inc. 401(k): best low-cost funds
The Southern Company Employee Savings Plan · Plan #002 · Atlanta, GA
Suggested simple Boglehead mix
- US stocks (~60%): Blackrock Russell 2000 Index Fund
- International stocks (~20-30%): Blackrock Eafe Equity Index Fund
- Bonds (~10-20%): NT Collective Aggregate Bond Index
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 |
|---|---|---|---|
| Vanguard Institutional 500 IDX | Vanguard Fiduciary Trust Company | Common/collective trust | $2.1B |
| Blackrock Eafe Equity Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $1.0B |
| NT Collective Aggregate Bond Index index | Northern Trust | Common/collective trust | $783.9M |
| Blackrock Russell 2000 Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $776.3M |
| Blackrock Short-term Investment FUN | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $590.4M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Common/collective trusts | $5.3B | 57.0% |
| Employer securities (company stock) | $3.1B | 33.0% |
| Participant loans | $132.5M | 1.4% |
| Other investments | $797.7M | 8.6% |
Fees paid from plan assets
| Investment advisory & management fees | $38,410 |
| Total administrative expenses | $1.7M |
Reported administrative expenses were about 0.019% of average plan assets, or about $48 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 20250812122928NAL0007212931001. EIN 630274273.
FAQ
What are the best low-cost funds in the Southern Company Services, Inc. 401(k)?
Based on public filings, index options include Blackrock Russell 2000 Index Fund (US stocks), Blackrock Eafe Equity Index Fund (international stocks) and NT Collective Aggregate Bond Index (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the Southern Company Services, 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 Southern Company Services, Inc. 401(k) plan?
The plan reported about $9.3B in net assets and 34,850 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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