Cognizant Technology Solutions 401(k): best low-cost funds
Cognizant Technology Solutions 401(k) Savings Plan · Plan #001 · Teaneck, NJ
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 |
|---|---|---|---|
| American Century RET Date 2045 | American Century | Common/collective trust | $328.5M |
| American Century RET Date 2050 | American Century | Common/collective trust | $325.5M |
| American Century RET Date 2040 | American Century | Common/collective trust | $218.5M |
| AB US Large CAP Grwth W Series | Great Gray | Common/collective trust | $172.1M |
| American Century RET Date 2035 | American Century | Common/collective trust | $149.3M |
| Stable Value | T.rowe Price | Common/collective trust | $145.3M |
| American Century RET Date 2055 | American Century | Common/collective trust | $121.8M |
| American Century RET Date 2030 | American Century | Common/collective trust | $118.0M |
| Columbia Trust Dividend Income | Ameriprise Trust Company | Common/collective trust | $88.1M |
| American Century RET Date 2025 | American Century | Common/collective trust | $65.6M |
| Victory Small CAP Value Collec | Victory | Common/collective trust | $58.2M |
| American Century RET Date 2060 | American Century | Common/collective trust | $52.3M |
| American Century ONE Choice IN RET | American Century | Common/collective trust | $31.2M |
| American Century RET Date 2065 | American Century | Common/collective trust | $18.3M |
| Blackrock Equity Index 1 index | Great Gray | Common/collective trust | $0 |
| MID CAP Growth Fund FEE Class R1 | Great Gray | Common/collective trust | $0 |
| Small CAP Growth Fund II FEE Class | Great Gray | Common/collective trust | $0 |
| Pimco Income Instl | Pimco | Pooled separate account | $0 |
| Massmutual Infl-prot And INC R5 | Massmutual | Pooled separate account | $0 |
| Pgim Total Return Bond Z | Pgim Investments | Pooled separate account | $0 |
| MFS Intl Diversification R6 | MFS | Pooled separate account | $0 |
| Victory Small CAP | Victory | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $1.1B | 35.6% |
| Common/collective trusts | $1.9B | 62.2% |
| Participant loans | $38.5M | 1.3% |
Fees paid from plan assets
| Contract administrator fees | $32,654 |
| Investment advisory & management fees | $82,500 |
| Other administrative fees | $370,059 |
| Total administrative expenses | $2.7M |
Reported administrative expenses were about 0.094% of average plan assets, or about $60 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 20251015091306NAL0008793570001. EIN 133924155.
FAQ
What are the best low-cost funds in the Cognizant Technology Solutions 401(k)?
The free public data doesn't list enough of the Cognizant Technology Solutions 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 Cognizant Technology Solutions 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 Cognizant Technology Solutions 401(k) plan?
The plan reported about $3.0B in net assets and 45,233 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.
Other professional services employers
- International Business Machines Corporation
- Oracle Corporation
- PWC US Group LLP
- Kpmg LLP
- Insperity Holdings, Inc.
- Omnicom Group Inc.