Eversource Energy Service Company 401(k): best low-cost funds
Eversource 401k Plan · Plan #005 · Hartford, CT
Suggested simple Boglehead mix
- US stocks (~60%): Spartan 500 Index Pool Class E
- International stocks (~20-30%): Spartan Global ex US Index Pool Class E
- Bonds (~10-20%): FIAM U.S. Bond Index Commingled Pool Class C
Fund names from the plan's public SEC Form 11-K filed 2026-06-12 (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.
| Fund | Manager | Type | Plan's holding |
|---|---|---|---|
| Growth Company Commingled Pool Clas | Fidelity | Common/collective trust | $641.6M |
| Spartan 500 Index Pool Class E index | Fidelity | Common/collective trust | $555.9M |
| Freedom Blend 2030 Commingled Pool | Fidelity | Common/collective trust | $269.1M |
| Freedom Blend 2040 Commingled Pool | Fidelity | Common/collective trust | $225.4M |
| Freedom Blend 2050 Commingled Pool | Fidelity | Common/collective trust | $176.3M |
| Freedom Blend 2020 Commingled Pool | Fidelity | Common/collective trust | $117.3M |
| Freedom Blend 2060 Commingled Pool | Fidelity | Common/collective trust | $74.4M |
| Spartan Global EX US Index Pool CLA index | Fidelity | Common/collective trust | $29.6M |
| Freedom Blend 2010 Commingled Pool | Fidelity | Common/collective trust | $14.4M |
| Spartan Extended Market Index Pool index | Fidelity | Common/collective trust | $12.8M |
| Freedom Blend Income Commingled POO | Fidelity | Common/collective trust | $10.5M |
| Fiam U.s. Bond Index Commingled POO index | Fidelity | Common/collective trust | $2.5M |
| Freedom Blend 2035 Commingled Pool | Fidelity | Common/collective trust | $1.5M |
| Freedom Blend 2045 Commingled Pool | Fidelity | Common/collective trust | $878,776 |
| Freedom Blend 2055 Commingled Pool | Fidelity | Common/collective trust | $524,697 |
| Freedom Blend 2025 Commingled Pool | Fidelity | Common/collective trust | $153,345 |
| Freedom Blend 2065 Commingled Pool | Fidelity | Common/collective trust | $96,111 |
| Freedom Blend 2070 Commingled Pool | Fidelity | Common/collective trust | $23,992 |
| Freedom Blend 2015 Commingled Pool | Fidelity | Common/collective trust | $6,331 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $408.5M | 10.1% |
| Common/collective trusts | $2.1B | 52.7% |
| Insurance co. general account | $465.5M | 11.5% |
| Employer securities (company stock) | $523.0M | 12.9% |
| Common stock (direct) | $204.8M | 5.1% |
| Participant loans | $44.3M | 1.1% |
| Other investments | $202.1M | 5.0% |
Fees paid from plan assets
| Investment advisory & management fees | $848,361 |
| Other administrative fees | $197,892 |
| Total administrative expenses | $1.4M |
Reported administrative expenses were about 0.036% of average plan assets, or about $98 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 20251014110009NAL0001255027008. EIN 060810627.
FAQ
What are the best low-cost funds in the Eversource Energy Service Company 401(k)?
Based on public filings, index options include Spartan 500 Index Pool Class E (US stocks), Spartan Global ex US Index Pool Class E (international stocks) and FIAM U.S. Bond Index Commingled Pool Class C (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the Eversource Energy Service Company 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 Eversource Energy Service Company 401(k) plan?
The plan reported about $4.0B in net assets and 14,290 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 utilities employers
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- Southern Company Services, Inc.
- National Grid USA Service Company, Inc.
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- Constellation Energy Generation LLC
- American Electric Power Service Corporation