Page 28 - DCAC Nov 2025 Files

CIT and ISA Cost Savings Opportunities

County of San Mateo - Potential Cost Savings
Gross Net Potential
Expense Recordkeeping Expense Assets as of Cost
Fund Name Ticker Ratio Offset Ratio 6/30/2025 Gross Cost Savings
American Funds EUPAC R6 RERGX 0.47 0.00 0.47 $ 12,910,064 $ 60,677 -
Capital Group EuroPacific Growth SA VAUSA0OY30 0.41 0.00 0.41 $ 52,931 $ 7,746

Fidelity 500 Index* FXAIX 0.015 0.00 0.015 $ 125,046,302 $ 18,757 -
Empower S&P 500 Index SA VAUSA0PCA1 0.00 0.00 0.00 $ - $ 18,757
Fidelity 500 Index Class C CIT 0.01 0.00 0.01 $ 12,505 $ 6,252

Vanguard Target Retirement Income Fund VTINX 0.08 0.00 0.08 $ 20,481,977 $ 16,386 -
Vanguard Target Retirement Income Trust II CIT 0.075 0.00 0.075 $ 15,361 $ 1,024
Vanguard Target Retirement 2020 Fund VTWNX 0.08 0.00 0.08 $ 3,161,616 $ 2,529 -
Vanguard Target Retirement 2020 Trust II CIT 0.075 0.00 0.075 $ 2,371 $ 158
Vanguard Target Retirement 2025 Fund VTTVX 0.08 0.00 0.08 $ 50,478,503 $ 40,383 -
Vanguard Target Retirement 2025 Trust II CIT 0.075 0.00 0.075 $ 37,859 $ 2,524
Vanguard Target Retirement 2030 Fund VTHRX 0.08 0.00 0.08 $ 12,084,169 $ 9,667 -
Vanguard Target Retirement 2030 Trust II CIT 0.075 0.00 0.075 $ 9,063 $ 604
Vanguard Target Retirement 2035 Fund VTTHX 0.08 0.00 0.08 $ 63,061,674 $ 50,449 -
Vanguard Target Retirement 2035 Trust II CIT 0.075 0.00 0.075 $ 47,296 $ 3,153
Vanguard Target Retirement 2040 Fund VFORX 0.08 0.00 0.08 $ 14,324,282 $ 11,459 -
Vanguard Target Retirement 2040 Trust II CIT 0.075 0.00 0.075 $ 10,743 $ 716
Vanguard Target Retirement 2045 Fund VTIVX 0.08 0.00 0.08 $ 60,613,904 $ 48,491 -
Vanguard Target Retirement 2045 Trust II CIT 0.075 0.00 0.075 $ 45,460 $ 3,031
Vanguard Target Retirement 2050 Fund VFIFX 0.08 0.00 0.08 $ 15,225,377 $ 12,180 -
Vanguard Target Retirement2050 Trust II CIT 0.075 0.00 0.075 $ 11,419 $ 761
Vanguard Target Retirement 2055 Fund VFFVX 0.08 0.00 0.08 $ 46,021,707 $ 36,817 -
Vanguard Target Retirement 2055 Trust II CIT 0.075 0.00 0.075 $ 34,516 $ 2,301
Vanguard Target Retirement 2060 Fund VTTSX 0.08 0.00 0.08 $ 8,854,876 $ 7,084 -
Vanguard Target Retirement 2060 Trust II CIT 0.075 0.00 0.075 $ 6,641 $ 443
Vanguard Target Retirement 2065 Fund VLXVX 0.08 0.00 0.08 $ 4,234,703 $ 3,388 -
Vanguard Target Retirement 2065 Trust II CIT 0.075 0.00 0.075 $ 3,176 $ 212
Vanguard Target Retirement 2070 Fund VSVNX 0.08 0.00 0.08 $ 199,277 $ 159 -
Vanguard Target Retirement 2070 Trust II CIT 0.075 0.00 0.075 $ 149 $ 10
TOTAL $ 436,698,429 $ 41,440
*Cost Savings assumes Empower S&P 500 ISA and omits the cost savings from the Fidelity 500 CIT
© 2025 Innovest Portfolio Solutions, LLC 8