Talbots 401k Plan was last scanned in 2008 and frankly I thought it would be the last but they are still in business. The Balanced portfolio invested no money in the stock which has a 5yr APR = -16.85% with a negative Sharpe ratio. The employee investments over 5% of Plan do not include the stock TLB either. The 401k Plan however has an above average 5yr APR = 6.09% with Sharpe ratio of 1.35. In the scan the common collective income trust RSTV is represented by VRST the Vanguard retirement savings trust. This is a good 401k plan with above average performance. My only suggestion is eliminate the redundant under performing funds to reduce employee portfolio selection risks.
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