U.s. Bancorp 401(k): best low-cost funds
U.s. Bank 401(k) Savings Plan · Plan #004 · Minneapolis, MN
Suggested simple Boglehead mix
- US stocks (~60%): Institutional 500 Index Trust
- International stocks (~20-30%): Developed Markets Index Fund
- Bonds (~10-20%): Institutional Total Bond
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 |
|---|---|---|---|
| Institutional 500 Index Trust index | Vanguard | Common/collective trust | $2.8B |
| Institutional Extended | Vanguard | Common/collective trust | $987.7M |
| Target Retirement 2035 Trust | Vanguard | Common/collective trust | $765.9M |
| Developed Markets Index Fund index | Vanguard | Common/collective trust | $746.1M |
| Target Retirement 2045 Trust | Vanguard | Common/collective trust | $734.8M |
| Target Retirement 2030 Trust | Vanguard | Common/collective trust | $722.6M |
| Target Retirement 2040 Trust | Vanguard | Common/collective trust | $685.2M |
| Target Retirement 2050 Trust | Vanguard | Common/collective trust | $552.3M |
| Target Retirement 2025 Trust | Vanguard | Common/collective trust | $500.7M |
| Institutional Total Bond index | Vanguard | Common/collective trust | $424.6M |
| Target Retirement 2055 Trust | Vanguard | Common/collective trust | $306.0M |
| Fixed Income Fund L | Wells Fargo Bank, N.a. | Common/collective trust | $262.1M |
| Fixed Income Fund F | Wells Fargo Bank, N.a. | Common/collective trust | $201.3M |
| Target Retirement 2020 Trust | Vanguard | Common/collective trust | $165.1M |
| Target Retirement 2060 Trust | Vanguard | Common/collective trust | $143.2M |
| Target Retirement Income Trust | Vanguard | Common/collective trust | $53.6M |
| Target Retirement 2065 Trust | Vanguard | Common/collective trust | $45.9M |
| Short Term Investment Fund II | Wells Fargo Bank, N.a. | Common/collective trust | $20.5M |
| Target Retirement Date 2070 | Vanguard | Common/collective trust | $10.4M |
| International Equity Index index | Vanguard | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $602,802 | 0.0% |
| Common/collective trusts | $10.1B | 88.7% |
| Employer securities (company stock) | $752.0M | 6.6% |
| Participant loans | $135.1M | 1.2% |
| Other investments | $147.1M | 1.3% |
Fees paid from plan assets
| Investment advisory & management fees | $7.2M |
| Total administrative expenses | $9.8M |
Reported administrative expenses were about 0.090% of average plan assets, or about $112 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 20251014102030NAL0002608113001. EIN 410255900.
FAQ
What are the best low-cost funds in the U.s. Bancorp 401(k)?
Based on public filings, index options include Institutional 500 Index Trust (US stocks), Developed Markets Index Fund (international stocks) and Institutional Total Bond (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the U.s. Bancorp 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 U.s. Bancorp 401(k) plan?
The plan reported about $11.4B in net assets and 87,776 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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