Thermo Fisher Scientific Inc. 401(k): best low-cost funds
Thermo Fisher Scientific Inc. 401(k) Retirement Plan · Plan #001 · Pittsburgh, PA
Suggested simple Boglehead mix
- US stocks (~60%): State Street S&P 500 Index Securities Lending Series Fund Class II
- International stocks (~20-30%): State Street Global All Cap Equity Ex-U.S. Index Securities Lending Series Fund Class II
- Bonds (~10-20%): State Street U.S. Bond Index Securities Lending Series Fund Class XIV
Fund names from the plan's public SEC Form 11-K filed 2025-06-17 (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 |
|---|---|---|---|
| TRP Retire 2035 K | T. Rowe Price Trust Company | Common/collective trust | $1.2B |
| TRP Retire 2040 K | T. Rowe Price Trust Company | Common/collective trust | $1.1B |
| TRP Retire 2030 K | T. Rowe Price Trust Company | Common/collective trust | $1.0B |
| SS S&P 500 Index II index | State Street Global Advisors Trust CO | Common/collective trust | $931.7M |
| TRP Retire 2045 K | T. Rowe Price Trust Company | Common/collective trust | $880.8M |
| TRP Retire 2025 K | T. Rowe Price Trust Company | Common/collective trust | $704.8M |
| TRP Retire 2050 K | T. Rowe Price Trust Company | Common/collective trust | $669.5M |
| FID Blue CHP GR CP O | Fidelity Management Trust Company | Common/collective trust | $570.9M |
| TRP Retire 2055 K | T. Rowe Price Trust Company | Common/collective trust | $462.1M |
| TRP Stable Value R | T. Rowe Price Trust Company | Common/collective trust | $336.2M |
| TRP Retire 2020 K | T. Rowe Price Trust Company | Common/collective trust | $315.4M |
| SS RSL Smmdcp IDX II | State Street Global Advisors Trust CO | Common/collective trust | $298.0M |
| TRP Retire 2060 K | T. Rowe Price Trust Company | Common/collective trust | $249.6M |
| Jennison Small CO 9 | Prudential Trust Company | Common/collective trust | $126.1M |
| CG Europac Grth U4 | Capital Bank And Trust Company | Common/collective trust | $116.4M |
| Fiam Core Plus CL N | Fidelity Institutional Asset Management | Common/collective trust | $113.5M |
| SS Gaceq Exus IDX II | State Street Global Advisors Trust CO | Common/collective trust | $111.3M |
| TRP Retire 2015 K | T. Rowe Price Trust Company | Common/collective trust | $85.9M |
| SS US Bond Indx XIV | State Street Global Advisors Trust CO | Common/collective trust | $64.9M |
| TRP Retire 2065 K | T. Rowe Price Trust Company | Common/collective trust | $62.8M |
| SS US Infl PRO BD II | State Street Global Advisors Trust CO | Common/collective trust | $39.1M |
| TRP Retire 2010 K | T. Rowe Price Trust Company | Common/collective trust | $34.0M |
| TRP Retire 2005 K | T. Rowe Price Trust Company | Common/collective trust | $24.7M |
| Metlife Stable VAL J | Great Gray Trust Company, LLC | Common/collective trust | $47,670 |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $313.4M | 3.1% |
| Common/collective trusts | $9.6B | 93.7% |
| Employer securities (company stock) | $210.4M | 2.0% |
| Participant loans | $99.6M | 1.0% |
| Other investments | $2.5M | 0.0% |
Fees paid from plan assets
| Contract administrator fees | $20,400 |
| Investment advisory & management fees | $255,237 |
| Other administrative fees | $385,382 |
| Total administrative expenses | $1.9M |
Reported administrative expenses were about 0.021% of average plan assets, or about $27 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 20250625103136NAL0019155202001. EIN 042209186.
FAQ
What are the best low-cost funds in the Thermo Fisher Scientific Inc. 401(k)?
Based on public filings, index options include State Street S&P 500 Index Securities Lending Series Fund Class II (US stocks), State Street Global All Cap Equity Ex-U.S. Index Securities Lending Series Fund Class II (international stocks) and State Street U.S. Bond Index Securities Lending Series Fund Class XIV (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the Thermo Fisher Scientific Inc. 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 Thermo Fisher Scientific Inc. 401(k) plan?
The plan reported about $10.3B in net assets and 68,375 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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