The Cigna Group 401(k): best low-cost funds
The Cigna Group 401(k) Plan · Plan #002 · Philadelphia, PA
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 |
|---|---|---|---|
| Blackrock S&P 500 Index (is) index | Empower Annuity Insurance Company | Pooled separate account | $3.4B |
| ALL World Ex-us Stock Index Fund index | Empower Annuity Insurance Company | Pooled separate account | $1.9B |
| Blackrock Equity Market Index Fund index | Empower Annuity Insurance Company | Pooled separate account | $1.7B |
| T. Rowe Price Growth Stock Strategy | Empower Annuity Insurance Company | Pooled separate account | $413.6M |
| Large CAP Value / Barrow Hanley FUN | Empower Annuity Insurance Company | Pooled separate account | $413.6M |
| US Total Stock Market Index Fund index | Empower Annuity Insurance Company | Pooled separate account | $410.9M |
| High Yield Bond / Pgim Fund | Empower Annuity Insurance Company | Pooled separate account | $278.5M |
| MID CAP Growth / Westfield Capital | Empower Annuity Insurance Company | Pooled separate account | $244.9M |
| MID CAP Value / Robeco Boston Partn | Empower Annuity Insurance Company | Pooled separate account | $244.9M |
| Small CAP Growth / Emerald Fund | Empower Annuity Insurance Company | Pooled separate account | $218.2M |
| Small CAP Value / Integrity Fund | Empower Annuity Insurance Company | Pooled separate account | $218.2M |
| Privest | Prudential Insurance CO. | Pooled separate account | $184.5M |
| Commercial Mortgage SEP Acct | Empower Annuity Insurance Company | Pooled separate account | $148.3M |
| International Blend / Lazard Fund | Empower Annuity Insurance Company | Pooled separate account | $90.2M |
| International Growth / Artisan Part | Empower Annuity Insurance Company | Pooled separate account | $90.2M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Pooled separate accounts | $11.4B | 80.7% |
| Insurance co. general account | $665.8M | 4.7% |
| Employer securities (company stock) | $885.3M | 6.3% |
| Participant loans | $169.7M | 1.2% |
| Other investments | $3.3M | 0.0% |
Fees paid from plan assets
| Other administrative fees | $-93,579 |
| Total administrative expenses | $2.2M |
Reported administrative expenses were about 0.016% of average plan assets, or about $25 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 20251014151025NAL0001561267001. EIN 824991898.
FAQ
What are the best low-cost funds in the The Cigna Group 401(k)?
The free public data doesn't list enough of the The Cigna Group 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 The Cigna Group 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 The Cigna Group 401(k) plan?
The plan reported about $14.1B in net assets and 88,184 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.