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Duke Energy Corporation 401(k): best low-cost funds

Duke Energy Retirement Savings Plan · Plan #002 · Charlotte, NC

Not financial advice. This page is educational and built from public government filings. Confirm every fund and fee in your plan's official materials before acting.
$11.3Bnet assets (end of plan year)
34,836participants with balances
26,616active participants
2024-12-31plan year end

Suggested simple Boglehead mix

Fund names from the plan's public SEC Form 11-K filed 2025-06-25 (fund list in the annual report). Confirm they are on your current menu and check 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.

FundManagerTypePlan's holding
Stable Value FundWells Fargo Bank NACommon/collective trust$479.3M

How plan assets are invested

Category (Schedule H)AmountShare
Registered investment companies (mutual funds)$9.6B84.9%
Employer securities (company stock)$1.1B9.5%
Participant loans$141.6M1.3%
Other investments$479.3M4.3%

Fees paid from plan assets

Investment advisory & management fees$4.9M
Total administrative expenses$5.2M

Reported administrative expenses were about 0.048% of average plan assets, or about $149 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 20251010135251NAL0018754754001. EIN 202777218.

FAQ

What are the best low-cost funds in the Duke Energy Corporation 401(k)?

Based on public filings, index options include US Equity S&P 500 Index Fund (US stocks), Non-US Equity Index Fund (international stocks) and Fixed Income Index Fund (bonds). Confirm them against your current plan menu and fee disclosure.

Can I build a three-fund portfolio in the Duke Energy Corporation 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 Duke Energy Corporation 401(k) plan?

The plan reported about $11.3B in net assets and 34,836 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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