Sample 401(k) Plan
Plan #DEMO · snapshot as of 2026-06-30 · 18.6 yrs to target (2045-01, age 65)
Fund mix is current. This snapshot (2026-06-30) reflects the rebalance executed 2026-03-15. The monitor refuses to chart a mix that predates a known reallocation — a rebalance leaves every total correct while making each fund’s weight wrong, so nothing in the arithmetic can catch it.
Alerts
Emerging Markets Index is BELOW cost basis — value $34,100.00 vs basis $37,950.00 (-10.14%).
What this means: You have put $37,950.00 into this fund over time, and it is worth $34,100.00 today — so you are down $3,850.00 on it. ("Cost basis" is just the total you paid in.) This is a loss on paper only; it becomes real if you sell.
Total Bond Index cushion is thin: only +2.58% above cost basis ($490.00 on $18,960.00).
What this means: This fund is only $490.00 ahead of the $18,960.00 paid into it — a small margin. It is not a loss; it just means a modest dip would put it underwater, so it is worth watching.
Emerging Markets Index is 7.01% vs its 10.00% target from the 2026-03-15 reallocation — underweight by 2.99%.
What this means: The plan was for this fund to hold 10.0% of the total; it now holds 7.0%. Nothing was bought or sold — it drifted because this fund grew slower than the others. Rebalancing puts it back if you want it back.
US Large Cap Index is 34.63% vs its 32.00% target from the 2026-03-15 reallocation — overweight by 2.63%.
What this means: The plan was for this fund to hold 32.0% of the total; it now holds 34.6%. Nothing was bought or sold — it drifted because this fund grew faster than the others. Rebalancing puts it back if you want it back.
Equity is 89.44% vs the age-based target of 65.00% — 24.44% hotter than the sample glide path.
What this means: 89% of this money is in stocks rather than bonds or cash. The rule of thumb used here (110 minus your age) suggests about 65% at age 45. More stocks means more growth over decades and bigger drops along the way — a flag, not a mistake.
Cost basis rose $1,850.00 since the prior snapshot — contributions appear to be flowing.
What this means: $1,850.00 of new money went in since the previous set of numbers, so payroll contributions are arriving as expected. Market gains do not move this figure — only new money does, which is what makes it a reliable check.
The notch is your own 110 − age rule. Sitting above it is a choice, not an error — it is the accepted risk of the max-growth mandate.
| Fund | Type | Balance | Paid in | Gain $ | Gain % | Share of plan |
|---|---|---|---|---|---|---|
| US Large Cap Index | US stocks | $168,400.00 | $104,000.00 | $64,400.00 | +61.92% | 34.63% |
| US Growth Index | US stocks | $96,250.00 | $61,500.00 | $34,750.00 | +56.50% | 19.79% |
| US Small/Mid Cap Index | US stocks | $74,900.00 | $58,200.00 | $16,700.00 | +28.69% | 15.40% |
| International Index | International stocks | $61,300.00 | $52,800.00 | $8,500.00 | +16.10% | 12.61% |
| Emerging Markets Index | International stocks | $34,100.00 | $37,950.00 | -$3,850.00 | -10.14% | 7.01% |
| Target Date 2045 | Mixed (target-date) | $26,800.00 | $21,400.00 | $5,400.00 | +25.23% | 5.51% |
| Total Bond Index | Bonds | $19,450.00 | $18,960.00 | $490.00 | +2.58% | 4.00% |
| Stable Value | Cash-like | $5,100.00 | $5,020.00 | $80.00 | +1.59% | 1.05% |
2045 milestone
You are below plan’s bear-case 2045 band.
Hypothetical to 2045-01
- @ 4%/yr · 18.6 yrs$1,008,613
- @ 6%/yr · 18.6 yrs$1,437,452
- @ 8%/yr · 18.6 yrs$2,035,102
- + guaranteed income$3,150/mo
Deterministic, no new contributions. Non-advisory decision support — not a recommendation to buy, sell, or rebalance.