Humana Inc. 401(k): best low-cost funds
Humana Retirement Savings Plan · Plan #002 · Louisville, KY
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 |
|---|---|---|---|
| Schwab Indexed RET TR Fund 2050 index | Charles Schwab Trust Bank | Common/collective trust | $909.7M |
| Schwab Indexed RET TR Fund 2040 index | Charles Schwab Trust Bank | Common/collective trust | $860.7M |
| JPM Chase Bank Lgcap Grth CF | Jpmorgan Chase Bank, N.a. | Common/collective trust | $624.8M |
| Schwab Indexed RET TR Fund 2030 index | Charles Schwab Trust Bank | Common/collective trust | $533.9M |
| SS S&P 500 IND NL SP CL K index | State Street Global Advisors Trust Company | Common/collective trust | $519.5M |
| SSR ALL CAP IND NL Sers FD CLS C | State Street Global Advisors Trust Company | Common/collective trust | $506.4M |
| Schwab Inst LCP VAL Trust CL I | Charles Schwab Trust Bank | Common/collective trust | $388.4M |
| Pimco Total Return Class III | SEI Trust Company | Common/collective trust | $382.2M |
| SSG ALL CAP EQ Ex-u.s. IND Nlsfcl K | State Street Global Advisors Trust Company | Common/collective trust | $301.7M |
| SS Rusl SML CAP Indx NL SF CL K | State Street Global Advisors Trust Company | Common/collective trust | $279.4M |
| MFS International Equity Fund 2 | MFS Heritage Trust Company | Common/collective trust | $223.2M |
| Loomis Sayles Sm/mdcap Growth Trust | Loomis Sayles Trust Company, LLC | Common/collective trust | $156.8M |
| State Street US Bond IDX NL M | State Street Golbal Adviosrs Trust Company | Common/collective trust | $144.7M |
| Schwab Indexed RET TR Fund 2045 index | Charles Schwab Trust Bank | Common/collective trust | $137.3M |
| IGT Invesco High Quality Short-term | Invesco Trust Company | Common/collective trust | $130.6M |
| Schwab Indexed RET TR Fund 2055 index | Charles Schwab Trust Bank | Common/collective trust | $125.9M |
| Schwab Indexed RET TR Fund 2020 index | Charles Schwab Trust Bank | Common/collective trust | $118.9M |
| Schwab Indexed RET TR Fund 2035 index | Charles Schwab Bank | Common/collective trust | $114.1M |
| Schwab Indexed RET TR Fund 2060 index | Charles Schwab Trust Bank | Common/collective trust | $74.9M |
| Schwab Indexed RET TR Fund 2025 index | Charles Schwab Trust Bank | Common/collective trust | $41.6M |
| IGT Jennison A+ INT | Invesco Trust Company | Common/collective trust | $28.8M |
| IGT Invesco A+ INT | Invesco Trust Coimpany | Common/collective trust | $28.8M |
| Schwab Indexed RET TR Fund 2065 index | Charles Schwab Trust Bank | Common/collective trust | $26.6M |
| Schwab Indexed RET TR Fund 2010 index | Charles Schwab Trust Bank | Common/collective trust | $25.2M |
| IGT Pimco A+ INT | Invesco Trust Company | Common/collective trust | $14.4M |
| IGT Loomis Sayles A+ INT | Invesco Trust Company | Common/collective trust | $14.4M |
| IGT Loomis Sayles A+ Core | Invesco Trust Company | Common/collective trust | $14.3M |
| IGT Pimco A+ Core | Invesco Trust Company | Common/collective trust | $14.3M |
| IGT Invesco A+ Core | Invesco Trust Company | Common/collective trust | $14.3M |
| IGT Dodge & COX A+ Core | Invesco Trust Company | Common/collective trust | $14.3M |
| Schwab Indexed RET TR Fund 2015 index | Charles Schwab Trust Bank | Common/collective trust | $2.3M |
| IGT Pimco HQ Intermediate Fund | Invesco Trust Company | Common/collective trust | $0 |
| IGT Invesco HQ Intermediate | Invesco Trust Company | Common/collective trust | $0 |
| IGT Jennison HQ Intermediate Fund | Invesco Trust Company | Common/collective trust | $0 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $94.4M | 1.2% |
| Common/collective trusts | $6.8B | 87.9% |
| Employer securities (company stock) | $279.9M | 3.6% |
| Participant loans | $137.3M | 1.8% |
| Other investments | $402.1M | 5.2% |
Fees paid from plan assets
| Investment advisory & management fees | $1.8M |
| Total administrative expenses | $2.4M |
Reported administrative expenses were about 0.032% of average plan assets, or about $41 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 20251105164318NAL0010915057001. EIN 610647538.
FAQ
What are the best low-cost funds in the Humana Inc. 401(k)?
The free public data doesn't list enough of the Humana Inc. 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 Humana Inc. 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 Humana Inc. 401(k) plan?
The plan reported about $7.7B in net assets and 60,365 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 finance & insurance employers
- Citigroup Inc.
- Morgan Stanley Domestic Holdings, LLC
- The Goldman Sachs Group, Inc.
- U.s. Bancorp
- United Services Automobile Association
- Liberty Mutual Group Inc.