American Express Company And ITS Participating Subsidiaries 401(k): best low-cost funds
American Express Retirement Savings Plan · Plan #002 · NEW York, NY
Suggested simple Boglehead mix
- US stocks (~60%): Extended Market Index Trust
- International stocks (~20-30%): Total International Stock MKT Index
- Bonds (~10-20%): Total Bond Market Index Trust
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 Employee Benefit Index index | Vanguard Fiduciary Trust Company | Common/collective trust | $1.3B |
| Fidelity Blue Chip Growth Comm | Fidelity Management Trust CO. | Common/collective trust | $639.6M |
| Extended Market Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $439.4M |
| Capital Group Europacific GR | Capital Bank And Trust Company | Common/collective trust | $431.6M |
| Morgan Stanley INV MGT Intl EQ T II | Morgan Stanley Investment Management | Common/collective trust | $371.2M |
| Columbia Trust GOV Money MKT Fund | Ameriprise Trust Company | Common/collective trust | $172.1M |
| Allspring Discovery Smid CAP Growth | Allspring Global Investments, LLC | Common/collective trust | $143.6M |
| Total International Stock MKT Index index | Vanguard Fiduciary Trust Company | Common/collective trust | $142.7M |
| Fiam GRP TR Core Plus Comm Pool | Fidelity Inst. Asset Mgmt. | Common/collective trust | $131.3M |
| Loomis Sayles Core Plus Full Trust | Loomis Sayles Core Plus Full Trust | Common/collective trust | $130.9M |
| BR Msci Eafe Small CAP EQ IND FD F index | Blackrock Institutional Trust Company | Common/collective trust | $107.1M |
| Total Bond Market Index Trust index | Vanguard Fiduciary Trust Company | Common/collective trust | $96.4M |
| Neuberger Berman Emerging Mkts EQ T | Neuberger Berman TR CO NA | Common/collective trust | $86.0M |
| BR Instl/us Treas Inflation | Blackrock Institutional Trust Company | Common/collective trust | $49.0M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $76.3M | 0.9% |
| Common/collective trusts | $4.3B | 48.0% |
| Employer securities (company stock) | $1.2B | 13.1% |
| Common stock (direct) | $1.9B | 21.2% |
| Participant loans | $73.7M | 0.8% |
| Other investments | $370.5M | 4.2% |
Fees paid from plan assets
| Investment advisory & management fees | $11.7M |
| Other administrative fees | $182,479 |
| Total administrative expenses | $13.8M |
Reported administrative expenses were about 0.166% of average plan assets, or about $363 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 20250626081644NAL0008761217001. EIN 134922250.
FAQ
What are the best low-cost funds in the American Express Company And ITS Participating Subsidiaries 401(k)?
Based on public filings, index options include Extended Market Index Trust (US stocks), Total International Stock MKT Index (international stocks) and Total Bond Market Index Trust (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the American Express Company And ITS Participating Subsidiaries 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 American Express Company And ITS Participating Subsidiaries 401(k) plan?
The plan reported about $8.9B in net assets and 38,135 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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