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Indiana University Health Inc. 401(k): best low-cost funds

IU Health 401(k) Savings Plan · Plan #005 · Indianapolis, IN

Not financial advice. This page is educational and built from public government filings. Confirm every fund and fee in your plan's official materials before acting.
$4.5Bnet assets (end of plan year)
50,764participants with balances
40,158active participants
2024-12-31plan year end

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.

FundManagerTypePlan's holding
Institutional Total Stock Market IN indexVanguard Fiduciary Trust CompanyCommon/collective trust$950.2M
Target Retirement 2040 Trust SelectVanguard Fiduciary Trust CompanyCommon/collective trust$436.9M
Target Retirement 2045 Trust SelectVanguard Fiduciary Trust CompanyCommon/collective trust$396.0M
Target Retirement 2050 Trust SelectVanguard Fiduciary Trust CompanyCommon/collective trust$388.8M
Target Retirement 2035 Trust SelectVanguard Fiduciary Trust CompanyCommon/collective trust$378.1M
Target Retirement 2030 Trust SelectVanguard Fiduciary Trust CompanyCommon/collective trust$371.5M
Target Retirement 2055 Trust SelectVanguard Fiduciary Trust CompanyCommon/collective trust$249.8M
Target Retirement 2025 Trust SelectVanguard Fiduciary Trust CompanyCommon/collective trust$243.9M
Institutional Total InternationalVanguard Fiduciary Trust CompanyCommon/collective trust$206.8M
Target Retirement 2060 Trust SelectVanguard Fiduciary Trust CompanyCommon/collective trust$151.3M
Target Retirement 2020 Trust SelectVanguard Fiduciary Trust CompanyCommon/collective trust$113.3M
Allspring Core Plus Bond FundVanguard Fiduciary Trust CompanyCommon/collective trust$112.1M
Target Retirement Income Trust SeleVanguard Fiduciary Trust CompanyCommon/collective trust$53.9M
Target Retirement 2065 Trust SelectVanguard Fiduciary Trust CompanyCommon/collective trust$39.4M
Target Retirement 2070 SelectVanguard Fiduciary Trust CompanyCommon/collective trust$7.3M

How plan assets are invested

Category (Schedule H)AmountShare
Registered investment companies (mutual funds)$378.4M8.4%
Common/collective trusts$4.1B91.5%
Participant loans$8,9200.0%

Fees paid from plan assets

Investment advisory & management fees$2.8M
Other administrative fees$133,481
Total administrative expenses$3.0M

Reported administrative expenses were about 0.071% of average plan assets, or about $59 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 20250807092506NAL0002106227001. EIN 351955872.

FAQ

What are the best low-cost funds in the Indiana University Health Inc. 401(k)?

The free public data doesn't list enough of the Indiana University Health 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 Indiana University Health 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 Indiana University Health Inc. 401(k) plan?

The plan reported about $4.5B in net assets and 50,764 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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