State Street Corporation 401(k): best low-cost funds
State Street Salary Savings Program · Plan #002 · Boston, MA
Suggested simple Boglehead mix
- US stocks (~60%): SSGA S&P 500 Flagship Securities Lending Series Fund
- International stocks (~20-30%): SSGA World Developed Ex-U.S. Index Securities Lending Series Fund
- Bonds (~10-20%): SSGA Passive Bond Market Index Securities Lending Series Fund
Fund names from the plan's public SEC Form 11-K filed 2025-06-27 (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 |
|---|---|---|---|
| SS S&P 500 Index index | State Street Global Advisors Trust | Common/collective trust | $2.2B |
| SS RUS SM CP C IDX I | State Street Bank & Trust Company | Common/collective trust | $743.7M |
| SS Target 2035 | State Street Bank & Trust Company | Common/collective trust | $356.7M |
| SS Wrld DEV Exus IDX | State Street Bank & Trust CO. | Common/collective trust | $328.9M |
| SS Target 2040 | State Street Bank & Trust Company | Common/collective trust | $327.2M |
| SS Target 2030 | State Street Bank & Trust Company | Common/collective trust | $293.6M |
| SS Target 2045 | State Street Bank & Trust Company | Common/collective trust | $284.8M |
| SS Target 2050 | State Street Bank & Trust Company | Common/collective trust | $218.3M |
| SS US Bond Index index | State Street Bank & Trust Company | Common/collective trust | $211.9M |
| SS Target 2025 | State Street Bank & Trust Company | Common/collective trust | $151.1M |
| SS Emrg Mkts Index index | State Street Bank & Trust Company | Common/collective trust | $120.0M |
| SS Target 2055 | State Street Bank & Trust Company | Common/collective trust | $100.5M |
| SS Target 2020 | State Street Bank & Trust Company | Common/collective trust | $43.9M |
| SS Target 2060 | State Street Bank & Trust Company | Common/collective trust | $39.5M |
| SS Target RET INC | State Street Global Advisors Trust CO | Common/collective trust | $37.7M |
| SS Wdgvt EX US IDX | State Street Bank & Trust Company | Common/collective trust | $15.6M |
| SS Target 2065 | State Street Global Advisors Trust CO | Common/collective trust | $14.7M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $431.6M | 6.6% |
| Common/collective trusts | $5.5B | 83.6% |
| Employer securities (company stock) | $159.5M | 2.4% |
| Common stock (direct) | $247.8M | 3.8% |
| Participant loans | $44.4M | 0.7% |
| Other investments | $170.4M | 2.6% |
Fees paid from plan assets
| Contract administrator fees | $0 |
| Investment advisory & management fees | $0 |
| Other administrative fees | $0 |
| Total administrative expenses | $2.7M |
Reported administrative expenses were about 0.044% of average plan assets, or about $127 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 20250929100558NAL0012035056001. EIN 042456637.
FAQ
What are the best low-cost funds in the State Street Corporation 401(k)?
Based on public filings, index options include SSGA S&P 500 Flagship Securities Lending Series Fund (US stocks), SSGA World Developed Ex-U.S. Index Securities Lending Series Fund (international stocks) and SSGA Passive Bond Market Index Securities Lending Series Fund (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the State Street 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 State Street Corporation 401(k) plan?
The plan reported about $6.5B in net assets and 21,266 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
- TD Bank US Holding Company
- Lincoln National Corporation