Lincoln National Corporation 401(k): best low-cost funds
LNC Employees' 401(k) Savings Plan · Plan #009 · Radnor, PA
Suggested simple Boglehead mix
- US stocks (~60%): State Street S&P 500 Index Non Lending Series Fund Class K
- International stocks (~20-30%): State Street Global Equity All Cap/ex U.S. Index Fund
- Bonds (~10-20%): State Street U.S. Bond Index Fund
Fund names from the plan's public SEC Form 11-K filed 2026-06-25 (fund list in the annual report). Confirm they are on your current menu and check expense ratios. Adjust the bond share for your age and risk tolerance.
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 |
|---|---|---|---|
| JPM Large CAP Growth CIT Fund A CLA | Jpmorgan Chase Bank, N.a. | Common/collective trust | $333.1M |
| S&P 500 Index NON Lending Series CL index | State Street Global Advisors | Common/collective trust | $295.8M |
| Target Retirement 2035 NON Lending | State Street Global Advisors | Common/collective trust | $228.8M |
| Target Retirement 2045 NON Lending | State Street Global Advisors | Common/collective trust | $225.8M |
| Target Retirement 2040 NON Lending | State Street Global Advisors | Common/collective trust | $220.0M |
| Target Retirement 2030 NON Lending | State Street Global Advisors | Common/collective trust | $195.4M |
| Target Retirement 2050 NON Lending | State Street Global Advisors | Common/collective trust | $194.5M |
| Target Retirement 2025 NON Lending | State Street Global Advisors | Common/collective trust | $132.1M |
| Target Retirement 2055 NON Lending | State Street Global Advisors | Common/collective trust | $131.9M |
| Russell Small/mid CAP Index Non-len index | State Street Global Advisors | Common/collective trust | $114.2M |
| Large CAP Value Trust | Macquarie Investment Management | Common/collective trust | $91.5M |
| ALL Country World EX US Equity CIT | Acadian Asset Management | Common/collective trust | $85.2M |
| International Growth Class 4 | MFS | Common/collective trust | $80.7M |
| Target Retirement 2060 NON Lending | State Street Global Advisors | Common/collective trust | $66.6M |
| Diversified Income | Macquarie Investment Management | Common/collective trust | $60.2M |
| Target Retirement NON Lending | State Street Global Advisors | Common/collective trust | $43.1M |
| ALL CAP Equity Ex-us Index Non-lend index | State Street Global Advisors | Common/collective trust | $38.5M |
| US Bond Index Non-lending Series index | State Street Global Advisors | Common/collective trust | $23.9M |
| Target Retirement Income NON Lendin | State Street Global Advisors | Common/collective trust | $22.7M |
| Target Retirement 2065 NON Lending | State Street Global Advisors | Common/collective trust | $16.5M |
| Diversified Real Asset Collective T | Pimco | Common/collective trust | $9.8M |
| Income America 2030 Fund FEE Class | Great Gray Trust Company | Common/collective trust | $3.9M |
| Income America 2040 Fund FEE Class | Great Gray Trust Company | Common/collective trust | $2.1M |
| Income America 2035 Fund FEE Class | Great Gray Trust Company | Common/collective trust | $1.6M |
| Income America IN Retirement Fund F | Great Gray Trust Company | Common/collective trust | $1.4M |
| Income America 2025 Fund FEE Class | Great Gray Trust Company | Common/collective trust | $1.4M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $92.3M | 2.6% |
| Common/collective trusts | $2.6B | 74.6% |
| Insurance co. general account | $414.5M | 11.8% |
| Employer securities (company stock) | $113.2M | 3.2% |
| Participant loans | $39.3M | 1.1% |
| Other investments | $185.8M | 5.3% |
Fees paid from plan assets
| Investment advisory & management fees | $139,041 |
| Total administrative expenses | $182,511 |
Reported administrative expenses were about 0.005% of average plan assets, or about $11 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 20251009112104NAL0011345952001. EIN 351140070.
FAQ
What are the best low-cost funds in the Lincoln National Corporation 401(k)?
Based on public filings, index options include State Street S&P 500 Index Non Lending Series Fund Class K (US stocks), State Street Global Equity All Cap/ex U.S. Index Fund (international stocks) and State Street U.S. Bond Index Fund (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the Lincoln National Corporation 401(k)?
It appears so: the filing lists a US stock index fund, an international index fund and a bond index fund. The split between them depends on your own goals and risk tolerance.
How big is the Lincoln National Corporation 401(k) plan?
The plan reported about $3.5B in net assets and 16,727 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 holding companies employers
- Bank Of America Corporation
- Wells Fargo & Company
- Capital ONE Financial Corporation
- The Allstate Corporation
- State Street Corporation
- TD Bank US Holding Company