H.e.butt Grocery Company 401(k): best low-cost funds
H-e-b Savings & Retirement Plan · Plan #001 · SAN Antonio, TX
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 |
|---|---|---|---|
| State Street S&P 500 Index Secu index | State Street Global Advisors Trust Company | Common/collective trust | $1.2B |
| Ssga Russell ALL CAP Index SEC index | State Street Global Advisors Trust Company | Common/collective trust | $445.8M |
| State Street Global ALL CAP EQU | State Street Global Advisors Trust Company | Common/collective trust | $390.8M |
| State Street US Bond Index Secu index | State Street Global Advisors Trust Company | Common/collective trust | $258.8M |
| State Street Russell Small MID index | State Street Global Advisors Trust Company | Common/collective trust | $118.7M |
| ST STR BK & TR CO Invt FDS For | State Street Global Advisors Trust Company | Common/collective trust | $91.1M |
| Aristotle Collective Invt TR 04 | SEI Trust Company | Common/collective trust | $86.7M |
| Ssga Passive INT Bond Index FD index | State Street Global Advisors Trust Company | Common/collective trust | $86.1M |
| Hand Comp Empe Bene Globeflex | Hand Composite Employee Benefit Trust | Common/collective trust | $80.1M |
| WCM FOC Grwth Intl Founders CL | WCM Investment Management | Common/collective trust | $76.6M |
| Sands CAP Collective Invt TR GL | SEI Trust Company | Common/collective trust | $30.4M |
| Axiom Invs Collective Invt TR U | SEI Trust Company | Common/collective trust | $28.3M |
| Axiom Invs Collective Invt Trin | SEI Trust Company | Common/collective trust | $28.1M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $131.5M | 3.0% |
| Common/collective trusts | $2.9B | 66.5% |
| Common stock (direct) | $153.9M | 3.6% |
| Participant loans | $106.0M | 2.4% |
| Other investments | $232.3M | 5.4% |
Fees paid from plan assets
| Contract administrator fees | $3.0M |
| Investment advisory & management fees | $808,858 |
| Total administrative expenses | $3.8M |
Reported administrative expenses were about 0.095% of average plan assets, or about $54 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 20251014110650NAL0001261795001. EIN 740537175.
FAQ
What are the best low-cost funds in the H.e.butt Grocery Company 401(k)?
The free public data doesn't list enough of the H.e.butt Grocery Company 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 H.e.butt Grocery Company 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 H.e.butt Grocery Company 401(k) plan?
The plan reported about $4.3B in net assets and 71,186 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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