BAE Systems, Inc. 401(k): best low-cost funds
BAE Systems Employees' Savings And Investment Plan · Plan #003 · Falls Church, VA
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 |
|---|---|---|---|
| Vanguard Institutional 500 Index PL index | Vanguard Fiduciary Trust CO | Common/collective trust | $1.6B |
| Blackrock Russell 1000 Growth Fund index | Blackrock Institutional Trust CO NA | Common/collective trust | $1.4B |
| Vanguard Target Retmnt 2025 Fund | Vanguard Fiduciary Trust CO | Common/collective trust | $719.3M |
| Vanguard Target Retmnt 2035 Fund | Vanguard Fiduciary Trust CO | Common/collective trust | $614.0M |
| Vanguard Target Retmnt 2030 Fund | Vanguard Fiduciary Trust CO | Common/collective trust | $569.5M |
| Vanguard Target Retmnt 2045 Fund | Vanguard Fiduciary Trust CO | Common/collective trust | $500.4M |
| Vanguard Extended Market Index index | Vanguard Fiduciary Trust CO | Common/collective trust | $392.6M |
| Vanguard Target Retmnt 2040 Fund | Vanguard Fiduciary Trust CO | Common/collective trust | $334.1M |
| Galliard Short Core Fund F | SEI Institutional Transfer Agent | Common/collective trust | $308.1M |
| Vanguard Total Bond MKT Index Fund index | Vanguard Fiduciary Trust CO | Common/collective trust | $297.7M |
| Blackrock Russell 2500 Growth Fund index | Blackrock Institutional Trust CO NA | Common/collective trust | $290.4M |
| Vanguard Target Retmnt 2050 Fund | Vanguard Fiduciary Trust CO | Common/collective trust | $250.0M |
| Vanguard Target Retmnt 2020 Fund | Vanguard Fiduciary Trust CO | Common/collective trust | $244.4M |
| Vanguard Target Retmnt 2055 Fund | Vanguard Fiduciary Trust CO | Common/collective trust | $212.2M |
| Vanguard Target RET Income Fund | Vanguard Fiduciary Trust CO | Common/collective trust | $208.8M |
| Harding Loevner International Fund | Harding Loevner | Common/collective trust | $143.9M |
| Vanguard Target Retmnt 2060 Fund | Vanguard Fiduciary Trust CO | Common/collective trust | $106.1M |
| Galliard SA Intermed Core Fund Q | SEI Institutional Transfer Agent | Common/collective trust | $85.4M |
| Galliard SA Intermed Core Fund C | SEI Institutional Transfer Agent | Common/collective trust | $84.9M |
| Vanguard Target Retmnt 2065 Fund | Vanguard Fiduciary Trust CO | Common/collective trust | $47.4M |
| Short-term Investment Fund A | SEI Institutional Transfer Agent | Common/collective trust | $31.7M |
| State Street Real Estate NON Lendin | State Street Global Advisors Trust | Common/collective trust | $6.1M |
| Vanguard Target Retmnt 2070 Fund | Vanguard Fiduciary Trust CO | Common/collective trust | $5.2M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $570.4M | 5.4% |
| Common/collective trusts | $8.4B | 79.4% |
| Common stock (direct) | $531.5M | 5.0% |
| Participant loans | $80.8M | 0.8% |
| Other investments | $742.3M | 7.0% |
Fees paid from plan assets
| Contract administrator fees | $119,417 |
| Investment advisory & management fees | $127,500 |
| Other administrative fees | $185 |
| Total administrative expenses | $1.0M |
Reported administrative expenses were about 0.010% of average plan assets, or about $18 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 20250812172937NAL0007411027001. EIN 223537950.
FAQ
What are the best low-cost funds in the BAE Systems, Inc. 401(k)?
The free public data doesn't list enough of the BAE Systems, Inc. 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 BAE Systems, Inc. 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 BAE Systems, Inc. 401(k) plan?
The plan reported about $10.6B in net assets and 57,488 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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