CSX Corp. 401k (CBP) Plan PSDS Scan 12-31-2009

Company stock CSX continues to benefit this plan. The Balanced portfolio has a 5yr APR = 6.87% with low volatility and invested 17.6% of the plan in company stock. The volatility is low because 69% of the portfolio is in the stable return fund WFSRF in the scan. The employee portfolio invested 56.4% of the portfolio in CSX and had a 5yr APR = 13.53%, wow. A bit too much company stock for a retiree in my opinion but I can see why Mr. Buffett likes railroads. The 10yr CSX return numbers are double digit too.

Nobel Energy 401k (TPSP) Plan PSDS Scan 12-31-2009

This plan continues to benefit from company stock NBL and the Balanced portfolio has 6.9% of the portfolio invested in the stock. The employee portfolio has over 30% of their porfolio in NBL which produced a 5yr return over 7% with moderate volatility risk. There were minor changes in the SEC 11-k investment options of which there are well over 30. Several options have very little invested in them and they were not in the scan.

Southern Co. 401k (ESP) Plan PSDS Scan 12-31-2009

Company stock SO was down not up in 2009. That continued the lifeboat portfolio trend for the Balanced portfolio which invested almost everything in the stable value fund SVF.hpx in the scan and a GIC trust. The employee portfolio invested 60.7% of the plan in company stock which still has a positive 5yr APR = 4.33% but with more volatility risk. Not a prudent portfolio in my opinion. The plan needs better equity diversification.

PerkinElmer 401k (SP) Plan PSDS Scan 12-31-2009

The Balanced portfolio has several more funds this year but company stock PKI still does not have a positive 5yr Sharpe ratio and is not in the portfolio. The employee portfolio has a small amount 1.9% invested in the stock and is close to the Balanced portfolio in the 2D scan image.

Toro 401k (ESOP) Plan PSDS Scan 12-31-2009

The Balanced portfolio still has no money in company stock TTC which has a negative 5yr Sharpe ratio. There are now 7 funds in the Balanced portfolio. The employee portfolio has 31.2% of the portfolio in TTC stock which helped reduce the 5yr APR to 2.60% with a small negative Sharpe ratio. The Wells Fargo Stable Return Fund was used in the scan this year and a few more Target Date funds were added.

UniFirst 401k (PSP) Plan PSDS Scan 12-31-2009

This plan was helped by company stock UNF and the Balanced portfolio invested 8.5% of the plan in the stock producing a 5yr APR = 6.45% with low volatility. Interestingly the employee portfolio invested just 4.6% in the stock producing a 5yr APR = 4.13% with about the same volatility which is good. The plan had good year over year improvement with no changes in the plan investment options.

Trustmark 401k Plan PSDS Scan 12-31-2009

This is a small plan that was not helped by company stock TRMK. It does have lots of funds including several good fixed income investments that dominate the Balanced portfolio and produce a 5yr APR = 5.21% with a Sharpe ratio of 1.06. The employee portfolio has 26.5% of the portfolio invested in company stock which reduced their 5yr APR to less than 1%. That is too much company stock in my opinion and I would consider 10% an aggressive upper bound.