CONSOL Energy 401k (IP) Plan PSDS Scan 12/31/2008

This plan was helped by company stock and the Balanced portfolio has invested 5% of the plan in the stock. The employee portfolio invested 14.8% of their money in the stock which tripled the volatility of their portfolio, too much of a good thing. The plan has a large common stock trust investment with insurance wrappers that is GIC.ekx in the scan and AIZAX was represented by EFA which has 5yr data.

Aon 401k (SP) Plan PSDS Scan 12/31/2008

This small plan was helped by company stock AON but has no stable value fund. The SSgA government short term investment fund was represented by SIGVX in the scan. The Balanced portfolio has invested 37.8% of the plan in that fund and 15.2% in company stock. The employee portfolio has 17.4% of the portfolio invested in company stock. One of the funds listed in the SEC 11-k report Ned Davis Research Asset Allocation Strategy Fund NDRAX was liquidated in 2006.

Marsh & McLennan 401k (SIP) PSDS Scan 12/31/2008

The Master Trust for this plan owns a lot of company stock MMC. The stock has lost money each of the last 5 years and has lost 8% YTD. I did not include MMC in the scan. The Balanced portfolio invested 82.7% of the plan in the GIC represented by the index GIC.ekx in the scan. The largest employee directed investment was in DODGX and their portfolio in the scan had a small positive return APR = 1.73%. The Qualified Default Option for the plan changed 3 times in 2008 and as of 11/21/2008 became the Barclay Global Investors LifePath Portfolios.

Energen 401k (ESP) Plan PSDS Scan 12/31/2008

A small plan with a money market fund VMMXX but no stable value fund. The Balanced portfolio invested 72.5% of the plan in the money market fund. The employee portfolio had 48.5% of the plan invested in company stock EGN which has a good 5yr return but off the chart volatility. The plan trustee is Vanguard and the funds in the plan are fine but adding one of their stable value funds and VBMFX would be a good idea.

ECOLAB 401k (SP) Plan PSDS Scan 12/31/2008

This plan has several good investments but was hurt by 2008 and company stock volatility. The Balanced portfolio has 65.8% invested in the stable value fund FMIP in the scan. The employee portfolio has 52.6% invested in company stock ECL which has a nice 5yr APR = 6.2% but with high volatility STD = 23.96%. Keep in mind volatility kills compounding.

Mattel 401k (PIP) Plan PSDS Scan 12/31/2008

This plan was not helped by company stock MAT and the Balanced portfolio had only the stable value fund and two bond funds in the portfolio. The employee portfolio also had the stable value fund as its largest investment with very little invested in MAT. The plan trustee is Wells Fargo and their funds were used when they had 5yr data and ETF index funds as needed when not available.

McDONALD'S 401k (PSSP) Plan PSDS Scan 12/31/2008

A large plan helped by company stock MCD with the Balanced portfolio investing 18.8% in the stock. The employee portfolio invested 23.5% in the stock and was very similar to the Balanced portfoio as the 2D scan shows. While these large investments in company stock are too much for a retiree in my opinion they produced very similar results for this 5yr period. In the scan the GIC is represented by the index GIC.ekx and several Wellington Trust investments were represented by the ETF that tracks the same index. The US Treasury bonds were represented by SIGVX in the scan an ultra short government bond fund.