Cintas Corporation 401(k): best low-cost funds
Cintas Partners' Plan · Plan #006 · Mason, OH
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 |
|---|---|---|---|
| T. Rowe Price RET 2050 Fund | T. Rowe Price Trust Company | Common/collective trust | $405.0M |
| T. Rowe Price RET 2040 Fund | T. Rowe Price Trust Company | Common/collective trust | $286.2M |
| T. Rowe Price RET 2035 Fund | T. Rowe Price Trust Company | Common/collective trust | $152.5M |
| T. Rowe Price RET 2030 Fund | T. Rowe Price Trust Company | Common/collective trust | $144.6M |
| T. Rowe Price RET 2025 Fund | T. Rowe Price Trust Company | Common/collective trust | $85.6M |
| T. Rowe Price RET 2060 Fund | T. Rowe Price Trust Company | Common/collective trust | $83.0M |
| T. Rowe Price Retirement Fund | T. Rowe Price Trust Company | Common/collective trust | $36.0M |
| T. Rowe Price RET 2020 Fund | T. Rowe Price Trust Company | Common/collective trust | $31.9M |
| T. Rowe Price Growth Stock Fund | T. Rowe Price Trust Company | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $896.2M | 22.0% |
| Common/collective trusts | $1.2B | 30.1% |
| Employer securities (company stock) | $1.6B | 40.5% |
| Participant loans | $58.6M | 1.4% |
| Other investments | $221.9M | 5.4% |
Fees paid from plan assets
| Investment advisory & management fees | $492,722 |
| Total administrative expenses | $4.0M |
Reported administrative expenses were about 0.105% of average plan assets, or about $66 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 20250625123836NAL0007814193001. EIN 311188630.
FAQ
What are the best low-cost funds in the Cintas Corporation 401(k)?
The free public data doesn't list enough of the Cintas Corporation 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 Cintas Corporation 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 Cintas Corporation 401(k) plan?
The plan reported about $4.1B in net assets and 60,428 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.