United Parcel Service Of America, Inc. 401(k): best low-cost funds
UPS 401(k) Savings Plan · Plan #004 · Atlanta, GA
Suggested simple Boglehead mix
- US stocks (~60%): Equity Index Fund F
- International stocks (~20-30%): Blackrock World EX US Index Fund
- Bonds (~10-20%): Intermediate Gov't Bond Index Fund
Example built from fund names in the filing. Confirm these are on your current menu and check their 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 |
|---|---|---|---|
| Equity Index Fund F index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $3.9B |
| Extended Equity Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $1.6B |
| US Debt Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $1.1B |
| Blackrock World EX US Index Fund index | Blackrock Institutional Trust | Common/collective trust | $932.2M |
| Target Retirement 2035 SL SF C IV | State Street Bank & Trust | Common/collective trust | $378.0M |
| Target Retirement 2055 SL SF C IV | State Street Bank & Trust | Common/collective trust | $368.3M |
| Target Retirement 2050 SL SF C IV | State Street Bank & Trust | Common/collective trust | $365.5M |
| Target Retirement 2045 SL SF C IV | State Street Bank & Trust | Common/collective trust | $351.5M |
| Government Short-term Investment FU | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $337.1M |
| Target Retirement 2025 SL SF C IV | State Street Bank & Trust | Common/collective trust | $317.5M |
| Emerg Mkts Non-us Equity Fund | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $278.0M |
| Target Retirement 2040 SL SF C IV | State Street Bank & Trust | Common/collective trust | $259.2M |
| Target Retirement 2030 SL SF C IV | State Street Bank & Trust | Common/collective trust | $258.9M |
| Target Retirement 2060 SL SF C IV | State Street Bank & Trust | Common/collective trust | $219.5M |
| Target Retirement Income SL SF C IV | State Street Bank & Trust | Common/collective trust | $169.2M |
| Target Retirement 2020 SL SF C IV | State Street Bank & Trust | Common/collective trust | $109.8M |
| Strategic Completion Non-lendable F | Blackrock | Common/collective trust | $73.1M |
| Intermediate Term Credit Bond Fund | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $46.0M |
| SS Target Retirement 2065 SL SF CIV | State Street Bank & Trust | Common/collective trust | $40.2M |
| Mortgage-backed Securities Fund | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $30.2M |
| Asset Backed Security Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $24.1M |
| Intermediate Gov't Bond Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $17.0M |
| Commercial MBS Index Fund index | Blackrock Institutional Trust Company, N.a. | Common/collective trust | $9.4M |
How plan assets are invested
| Category (Schedule H) | Amount | Share |
|---|---|---|
| Registered investment companies (mutual funds) | $24.1M | 0.2% |
| Common/collective trusts | $11.1B | 78.4% |
| Employer securities (company stock) | $1.4B | 10.2% |
| Participant loans | $32.3M | 0.2% |
| Other investments | $855.5M | 6.0% |
Fees paid from plan assets
| Investment advisory & management fees | $8.2M |
| Total administrative expenses | $11.3M |
Reported administrative expenses were about 0.083% of average plan assets, or about $90 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 20251015115659NAL0004465985003. EIN 951732075.
FAQ
What are the best low-cost funds in the United Parcel Service Of America, Inc. 401(k)?
Based on public filings, index options include Equity Index Fund F (US stocks), Blackrock World EX US Index Fund (international stocks) and Intermediate Gov't Bond Index Fund (bonds). Confirm them against your current plan menu and fee disclosure.
Can I build a three-fund portfolio in the United Parcel Service Of America, 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 United Parcel Service Of America, Inc. 401(k) plan?
The plan reported about $14.2B in net assets and 124,928 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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