Automatic Data Processing, Inc. 401(k): best low-cost funds
Automatic Data Processing, Inc. Retirement And Savings Plan · Plan #002 · Roseland, NJ
Suggested simple Boglehead mix
- US stocks (~60%): Northern Trust S&P 500 Index Fund
- International stocks (~20-30%): Northern Trust Acwi Ex-us Index FUN
- Bonds (~10-20%): Northern Trust 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 |
|---|---|---|---|
| Northern Trust S&P 500 Index Fund index | Northern Trust Investments, Inc. | Common/collective trust | $1.5B |
| Jpmcb Smartretirement Passive Blend | Jpmorgan Chase Bank, N.A | Common/collective trust | $638.8M |
| Jpmcb Smartretirement Passive Blend | Jpmorgan Chase Bank, N.A | Common/collective trust | $506.9M |
| Wtc-cif II Growth (series 4) | Wellington Trust Company, N.a. | Common/collective trust | $490.4M |
| Northern Trust Acwi Ex-us Index FUN index | Northern Trust Investments, Inc. | Common/collective trust | $399.2M |
| Northern Trust Extended Equity Mark | Northern Trust Investments, Inc. | Common/collective trust | $279.8M |
| Northern Trust Government Stif | Northern Trust Investments, Inc. | Common/collective trust | $253.8M |
| Loomis Sayles Small CAP Growth Fund | Loomis, Sayles & Company, L.p. | Common/collective trust | $253.2M |
| Northern Trust Aggregate Bond Index index | Northern Trust Investments, Inc. | Common/collective trust | $252.1M |
| Jpmcb Smartretirement Passive Blend | Jpmorgan Chase Bank, N.A | Common/collective trust | $240.2M |
| Fiam Select International Plus Comm | Fidelity Institutional Asset Management Trust Company | Common/collective trust | $229.2M |
| Jpmcb Smartretirement Passive Blend | Jpmorgan Chase Bank, N.A | Common/collective trust | $216.1M |
| Jpmcb Smartretirement Passive Blend | Jpmorgan Chase Bank, N.A | Common/collective trust | $202.9M |
| Jpmcb Smartretirement Passive Blend | Jpmorgan Chase Bank, N.A | Common/collective trust | $199.7M |
| Jpmcb Smartretirement Passive Blend | Jpmorgan Chase Bank, N.A | Common/collective trust | $195.2M |
| Jpmcb Smartretirement Passive Blend | Jpmorgan Chase Bank, N.A | Common/collective trust | $172.0M |
| Jpmcb Smartretirement Passive Blend | Jpmorgan Chase Bank, N.A | Common/collective trust | $111.6M |
| American Century Global Growth Fund | Global Trust Company | Common/collective trust | $56.3M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Common/collective trusts | $6.2B | 85.5% |
| Employer securities (company stock) | $7.7M | 0.1% |
| Common stock (direct) | $771.0M | 10.6% |
| Participant loans | $94.8M | 1.3% |
Fees paid from plan assets
| Investment advisory & management fees | $4.2M |
| Other administrative fees | $266,239 |
| Total administrative expenses | $4.7M |
Reported administrative expenses were about 0.069% of average plan assets, or about $105 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 20251015231159NAL0002943251001. EIN 221467904.
FAQ
What are the best low-cost funds in the Automatic Data Processing, Inc. 401(k)?
Based on public filings, index options include Northern Trust S&P 500 Index Fund (US stocks), Northern Trust Acwi Ex-us Index FUN (international stocks) and Northern Trust Aggregate Bond Index (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the Automatic Data Processing, 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 Automatic Data Processing, Inc. 401(k) plan?
The plan reported about $7.3B in net assets and 44,749 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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