Fifth Third Bancorp 401(k): best low-cost funds
Fifth Third Bancorp 401(k) Savings Plan · Plan #001 · Cincinnati, 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 |
|---|---|---|---|
| Ssga S&P 500 Index Fund Class K index | State Street Bank And Trust Company | Common/collective trust | $579.1M |
| Ssga Russell Large CAP GRO Indx-c index | State Street Bank And Trust Company | Common/collective trust | $306.3M |
| AB US Large CAP Growth Series CL G | Great Gray Trust Company | Common/collective trust | $284.6M |
| Ssga Global ALL CAP Equity Ex-us IN | State Street Bank And Trust Company | Common/collective trust | $246.1M |
| Ssga S&P Midcap Index Fund - Class index | State Street Bank And Trust Company | Common/collective trust | $192.2M |
| Ssga U.s. Bond Index Fund - Class M index | State Street Bank And Trust Company | Common/collective trust | $171.2M |
| Jpmcb Smartretirement DRE 2035 CF | Jpmorgan Chase Bank, N.a. | Common/collective trust | $163.2M |
| Ssga Russell Large CAP VAL Indx -C index | State Street Bank And Trust Company | Common/collective trust | $146.5M |
| Jpmcb Smartretirement DRE 2030 CF | JP Morgan Chase Bank, N.a. | Common/collective trust | $141.9M |
| Jpmcb Smartretirement DRE 2040 CF | JP Morgan Chase Bank, N.a. | Common/collective trust | $140.4M |
| Jpmcb Smartretirement DRE 2045 CF | JP Morgan Chase Bank, N.a. | Common/collective trust | $136.8M |
| Jpmcb Smartretirement DRE 2050 CF | JP Morgan Chase Bank, N.a. | Common/collective trust | $110.3M |
| Jpmcb Core Bond Fund-cf | JP Morgan Chase Bank, N.a. | Common/collective trust | $94.3M |
| Jpmcb Smartretirement DRE 2025 CF | JP Morgan Chase Bank, N.a. | Common/collective trust | $93.4M |
| American Century US Midcap Value EQ | American Century | Common/collective trust | $81.4M |
| Ssga Russell Small CAP Index FD - S index | State Street Bank And Trust Company | Common/collective trust | $75.8M |
| Jpmcb Smartretirement DRE 2055 CF | JP Morgan Chase Bank, N.a. | Common/collective trust | $62.5M |
| Victory Small CAP Value CIT 75 | SEI Trust Company | Common/collective trust | $42.3M |
| Jpmcb Smartretirement DRE 2060 CF | JP Morgan Chase Bank, N.a. | Common/collective trust | $33.4M |
| Jpmcb Smartretirement DRE 2020 CF | JP Morgan Chase Bank, N.a. | Common/collective trust | $31.8M |
| Jpmcb Smartretirement DRE Income CF | JP Morgan Chase Bank, N.a. | Common/collective trust | $26.0M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $599.6M | 15.0% |
| Common/collective trusts | $3.2B | 78.9% |
| Common stock (direct) | $101.8M | 2.5% |
| Participant loans | $38.8M | 1.0% |
| Other investments | $97.1M | 2.4% |
Fees paid from plan assets
| Contract administrator fees | $0 |
| Investment advisory & management fees | $2.0M |
| Other administrative fees | $0 |
| Total administrative expenses | $2.1M |
Reported administrative expenses were about 0.054% of average plan assets, or about $88 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 20251010111855NAL0012423024001. EIN 310854434.
FAQ
What are the best low-cost funds in the Fifth Third Bancorp 401(k)?
The free public data doesn't list enough of the Fifth Third Bancorp 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 Fifth Third Bancorp 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 Fifth Third Bancorp 401(k) plan?
The plan reported about $4.0B in net assets and 23,249 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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