Shell Usa, Inc. 401(k): best low-cost funds
Shell Provident Fund · Plan #002 · Houston, TX
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 |
|---|---|---|---|
| Spartan 500 Index Pool index | Geode Capital Management Trust CO, LLC | Common/collective trust | $2.1B |
| Blackrock Lifepath IDX RET Fund F | Blackrock Institutional Trust Co., N.a. | Common/collective trust | $1.1B |
| Blackrock Lifepath IDX 2040 Fund F | Blackrock Institutional Trust Co., N.a. | Common/collective trust | $564.6M |
| Blackrock Lifepath IDX 2030 Fund F | Blackrock Institutional Trust Co., N.a. | Common/collective trust | $557.9M |
| US Debt Index Fund F index | Blackrock Institutional Trust Co., N.a. | Common/collective trust | $516.7M |
| Blackrock Lifepath IDX 2035 Fund F | Blackrock Institutional Trust Co., N.a. | Common/collective trust | $516.4M |
| Eafe Equity Index Fund F index | Blackrock Institutional Trust Co., N.a. | Common/collective trust | $499.0M |
| MID CAP Equity Index Fund F index | Blackrock Institutional Trust Co., N.a. | Common/collective trust | $486.7M |
| Blackrock Lifepath IDX 2045 Fund F | Blackrock Institutional Trust Co., N.a. | Common/collective trust | $369.7M |
| Blackrock Lifepath IDX 2050 Fund F | Blackrock Institutional Trust Co., N.a. | Common/collective trust | $322.1M |
| 20plus Treasury Bond Fund F | Blackrock Institutional Trust Co., N.a. | Common/collective trust | $216.0M |
| Emerging Markets Index Fund F index | Blackrock Institutional Trust Co., N.a. | Common/collective trust | $183.6M |
| Russell 2000 Index Fund F index | Blackrock Institutional Trust Co., N.a. | Common/collective trust | $157.3M |
| Blackrock Lifepath IDX 2055 Fund F | Blackrock Institutional Trust Co., N.a. | Common/collective trust | $155.5M |
| 1-3 Year Gov-cred Bond IDX Fund F | Blackrock Institutional Trust Co., N.a. | Common/collective trust | $58.6M |
| Blackrock Lifepath IDX 2060 Fund F | Blackrock Institutional Trust Co., N.a. | Common/collective trust | $47.7M |
| Developed Real Estate Index Fund F index | Blackrock Institutional Trust Co., N.a. | Common/collective trust | $22.4M |
| Blackrock Lifepath IDX 2065 Fund F | Blackrock Institutional Trust Co., N.a. | Common/collective trust | $21.0M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $5.8M | 0.1% |
| Common/collective trusts | $7.9B | 68.5% |
| Employer securities (company stock) | $283.4M | 2.5% |
| Participant loans | $85.4M | 0.7% |
| Other investments | $2.7B | 23.5% |
Fees paid from plan assets
| Contract administrator fees | $0 |
| Investment advisory & management fees | $5.7M |
| Other administrative fees | $159,445 |
| Total administrative expenses | $7.4M |
Reported administrative expenses were about 0.066% of average plan assets, or about $304 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 20250722114422NAL0001302227001. EIN 131299890.
FAQ
What are the best low-cost funds in the Shell Usa, Inc. 401(k)?
The free public data doesn't list enough of the Shell Usa, 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 Shell Usa, 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 Shell Usa, Inc. 401(k) plan?
The plan reported about $11.5B in net assets and 24,212 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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