Unitrin Inc. 401k (SP) Plan PSDS Scan 12-31-2010

Effective 8-25-2011 Unitrin will change its name to Kemper an old-line insurance company they bought in 2002. The new stock symbol will be KMPR. The 401k Plan design scan today uses the old symbol UTR.

This 401k Plan was not helped by company stock which has a negative 5yr APR = -6.61% thanks to high volatility which kills compounding. The 5yr average return was 3.4% which buys you nothing. The other Plan investment options produced a Balanced portfolio 5yr APR = 6.48% with a positive Sharpe ratio of 1.36. The 3 largest holdings are PTTRX, WFSRF and VTINX all income funds. The Plan has above average income investment options and below average equity options.