Hartford Fire Insurance Company 401(k): best low-cost funds
The Hartford Investment And Savings Plan · Plan #100 · Hartford, CT
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 |
|---|---|---|---|
| S&P 500(r) Index NL SF CL K index | State Street Global Advisors Trust Company | Common/collective trust | $1.3B |
| Vftc Target Retirement 2035 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $513.0M |
| Vftc Target Retirement 2045 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $457.2M |
| CIT LG CAP Growth Trust - Class B | Loomis Sayles Trust Company, LLC | Common/collective trust | $452.7M |
| Vftc Target Retirement 2025 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $300.6M |
| Vftc Target Retirement 2050 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $283.5M |
| Vftc Target Retirement 2030 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $271.1M |
| Vftc Target Retirement 2040 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $265.1M |
| Global ALL CAP Equity EX US Indx NL | State Street Global Advisors Trust Company | Common/collective trust | $247.6M |
| Vftc Target Retirement 2055 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $198.9M |
| Russell Small/mid CAP Index NL SF index | State Street Global Advisors Trust Company | Common/collective trust | $163.8M |
| PRU Core Conserv Intl BD FD | Prudential Trust CO. | Common/collective trust | $127.5M |
| Vftc Target Retirement 2060 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $109.8M |
| Vftc Target Retirement Income Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $94.4M |
| Sprucegrove International CIT | SEI Trust Company | Common/collective trust | $88.9M |
| Separate Account 45-003 | NEW York Life Insurance Company | Pooled separate account | $73.8M |
| Vftc Target Retirement 2020 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $67.5M |
| Mortgage-backed Securities Index FU index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $29.0M |
| Vftc Target Retirement 2065 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $27.4M |
| 1-3 Year Government Bond Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $27.3M |
| 1-3 Year Credit Bond Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $26.6M |
| Asset Backed Securities Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $23.4M |
| Intermediate Term Credit Bond Index index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $21.8M |
| Real Asset NL SF Class C | State Street Global Advisors | Common/collective trust | $19.7M |
| Short Term Investment Fund | State Street Global Advisors Trust Company | Common/collective trust | $13.6M |
| Commercial Mortgage-backed Securit | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $9.1M |
| Vftc Target Retirement 2070 Trust | Vanguard Fiduciary Trust Company | Common/collective trust | $3.2M |
| Long Term Government Bond Index FD index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $29,000 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $961.8M | 13.4% |
| Common/collective trusts | $5.1B | 71.2% |
| Pooled separate accounts | $73.8M | 1.0% |
| Employer securities (company stock) | $290.4M | 4.0% |
| Common stock (direct) | $422.1M | 5.9% |
| Participant loans | $78.8M | 1.1% |
Fees paid from plan assets
| Investment advisory & management fees | $7.1M |
| Other administrative fees | $288,000 |
| Total administrative expenses | $7.4M |
Reported administrative expenses were about 0.108% of average plan assets, or about $238 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 20251013155458NAL0000790179001. EIN 060383750.
FAQ
What are the best low-cost funds in the Hartford Fire Insurance Company 401(k)?
The free public data doesn't list enough of the Hartford Fire Insurance 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 Hartford Fire Insurance 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 Hartford Fire Insurance Company 401(k) plan?
The plan reported about $7.2B in net assets and 31,023 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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