National Technology & Engineering Solutions Of Sandia, LLC 401(k): best low-cost funds
Ntess Savings And Income Plan · Plan #008 · Albuquerque, NM
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 |
|---|---|---|---|
| BTC Equity Index FD F index | Blackrock Institutional Trust Company | Common/collective trust | $1.0B |
| FID Growth CO Pool CL O | Fidelity Management Trust Company | Common/collective trust | $1.0B |
| FID Contrafund Pool CL F | Fidelity Management Trust Company | Common/collective trust | $815.9M |
| Target Retirement 2045 Trust A | Vanguard Fiduciary Trust Company | Common/collective trust | $380.2M |
| International Equity Index FD index | Blackrock Institutional Trust Company | Common/collective trust | $357.9M |
| Target Retirement 2050 Trust A | Vanguard Fiduciary Trust Company | Common/collective trust | $346.5M |
| SS US Bond Indx XIV | State Street Bank And Trust Company | Common/collective trust | $325.6M |
| Target Retirement 2035 Trust A | Vanguard Fiduciary Trust Company | Common/collective trust | $299.0M |
| Target Retirement 2040 Trust A | Vanguard Fiduciary Trust Company | Common/collective trust | $295.2M |
| Target Retirement 2055 Trust A | Vanguard Fiduciary Trust Company | Common/collective trust | $288.7M |
| Target Retirement 2030 Trust A | Vanguard Fiduciary Trust Company | Common/collective trust | $280.4M |
| Target Retirement 2025 Trust A | Vanguard Fiduciary Trust Company | Common/collective trust | $236.2M |
| Russell 3000 Index FD index | Blackrock Institutional Trust CO | Common/collective trust | $231.8M |
| DIM US SM CAP CIT S | Global Trust Company | Common/collective trust | $163.3M |
| Target Retirement 2060 Trust A | Vanguard Fiduciary Trust Company | Common/collective trust | $147.9M |
| BTC Total Return L | Blackrock Inst Trust Company, N.a. | Common/collective trust | $102.1M |
| Ssrsl Smmdcp IDX II | State Street Global Advisors Trust | Common/collective trust | $89.8M |
| Target Retirement 2020 Trust A | Vanguard Fiduciary Trust Company | Common/collective trust | $89.4M |
| Target Retirement INC Trust A | Vanguard Fiduciary Trust Company | Common/collective trust | $71.6M |
| Harding Loevner Intl Equity | Global Trust Company | Common/collective trust | $53.0M |
| Target Retirement 2065 Trust A | Vanguard Fiduciary Trust Company | Common/collective trust | $43.0M |
| Inflation Responsive Multi-asset FD | Blackrock Institutional Trust Company | Common/collective trust | $15.8M |
| Target Retirement 2070 Trust A | Vanguard Fiduciary Trust Company | Common/collective trust | $4.9M |
| SS Govt Short Term Investment FD | State Street Global Advisors Trust Company | Common/collective trust | $822,129 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $778,573 | 0.0% |
| Common/collective trusts | $6.7B | 92.1% |
| Common stock (direct) | $97.0M | 1.3% |
| Participant loans | $48.1M | 0.7% |
| Other investments | $400.4M | 5.5% |
Fees paid from plan assets
| Investment advisory & management fees | $3.4M |
| Other administrative fees | $15,750 |
| Total administrative expenses | $4.0M |
Reported administrative expenses were about 0.060% of average plan assets, or about $206 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 20251014110308NAL0001274947001. EIN 850097942.
FAQ
What are the best low-cost funds in the National Technology & Engineering Solutions Of Sandia, LLC 401(k)?
The free public data doesn't list enough of the National Technology & Engineering Solutions Of Sandia, LLC 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 National Technology & Engineering Solutions Of Sandia, LLC 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 National Technology & Engineering Solutions Of Sandia, LLC 401(k) plan?
The plan reported about $7.2B in net assets and 19,472 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.