Polaris 401k (RSP) Plan PSDS Scan 12/31/2008

This plan has a good stable value fund Fidelity Managed Income Portfolio FMIP in the scan and that is where the Balanced portfolio and the employee portfolio have the most invested. Thanks to 2008 company stock is off the chart with high volatility STD = 35.7%. The Fidelity funds in the plan are "K" options of the usual funds ( FDIKX for FDIVX etc.) which do not have 5yr data. In all cases the usual funds which have the same performance were used in the scan.

Questar 401k (EIP) Plan PSDS Scan 12/31/2008

A good plan helped by company stock STR and hurt by 2008. The Balanced portfolio had most of the money in the Wells Fargo money market fund WFIIX and their stable return fund WFSRF in the scan. The employee portfolio as of 12/31/2008 had 59% invested in company stock which had a 5yr APR of 14.64% and a positive SR of 0.32. The volatility is high with a STD of 36.5% but if I were young I would probably have more than 4.5% in this company stock.

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

This plan like many was hurt by company stock and 2008. The Balanced portfolio has 85.3% of the plan in the stable value fund, FUNDG in the scan. The employee portfolio has a small positve 5yr APR 0f 0.96%. Not a bad plan but a few good bond funds would help.

State of Wyoming 401k Plan PSDS Scan 12/31/2008

The Balanced portfolio has invested 90.8% of the plan in the stable value fund, SVF.wy in the scan, producing another lifeboat portfolio. The BIG LifePath funds do not have 5yr data yet and the coresponding Fidelity Freedom fund represented them in the scan. The plan website is well maintained and last updated 6/30/2009.

XTO Energy 401k Plan PSDS Scan 12/31/2008

This plan like many energy company plans was dominated by company stock, XTO, which was off the chart. The employee portfolio had 76.5% of their money in company stock and their portfolio had an APR 0f 18.0%. The so called Balanced portfolio had 93.2% invested in the stable value fund DSVG1 which would not be my asset allocation either if I were an employee. This plan while small has a good stable value fund, good equity funds and XTO is up 8.0% YTD.

Varian Medical Systems 401k (RP) Plan PSDS Scan 12/31/2008

A good plan with a good stable value fund FMIP and another lifeboat Balanced portfolio. The only surprise for me was the employee portfolio which had virtually nothing in the money market fund FIDXX. The employee portfolio had a small positive return APR = 1.74% which is better than most in the last 5 years.

Capital One Financial 401k (ASP) PSDS Scan 12/31/2008

This plan has a stable value fund and that is where the Balanced portfolio put 89.3% of the money. The employee portfolio as of 12/31/2008 had company stock COF, an equity fund FUSEX, and the stable value fund SVF.hpx in the scan as their top three holdings. All in all a good plan with an emerging market fund LZEMX in the Balanced portfolio. The target retirement funds did not have 5yr data and are represented in the scan by the corresponding Fidelity funds.