Sample 401(k) Plan
Plan #DEMO · snapshot as of 2026-06-01 · 19.6 yrs to target (2045-01, age 65)
Total balance (last Fidelity snapshot)
$312,000.00
Cost basis
$247,600.00
Total gain
$64,400.00
+26.01%
Equity exposure
80.13%
age-45 glide target 65%
Alerts
- Equity is 80.1% vs the age-based target of 65% — hotter than the sample glide path.
- Cost basis rose since the prior snapshot — contributions appear to be flowing.
Balance over time
Total plan balance at each snapshot — use the range buttons to zoom the timeline.
Total account value at each daily snapshot (36 of 36 points shown). Steps up when you add cash or positions — it tracks value, not return-net-of-deposits.
Allocation by asset class
Where the plan is invested — each class as a share of total balance.
US equity63.5% · $198,000
International equity16.7% · $52,000
Target-date / blended9.0% · $28,000
Bonds8.3% · $26,000
Stable value / cash2.6% · $8,000
Holdings by balance
Every fund, largest to smallest, with its gain since cost basis.
US Large Cap Index$96,000 +37.1%
US Growth Index$64,000 +45.5%
US Small/Mid Cap Index$38,000 +26.7%
International Index$34,000 +13.3%
Target Date 2045$28,000 +16.7%
Total Bond Index$26,000 +3.2%
Emerging Markets Index$18,000 +9.1%
Stable Value$8,000 +1.3%
Holdings — detail
| Fund | Class | Balance | Cost Basis | Gain $ | Gain % | Wt |
|---|---|---|---|---|---|---|
| US Large Cap Index | domestic-equity | $96,000.00 | $70,000.00 | $26,000.00 | +37.14% | 30.77% |
| US Growth Index | domestic-equity | $64,000.00 | $44,000.00 | $20,000.00 | +45.45% | 20.51% |
| US Small/Mid Cap Index | domestic-equity | $38,000.00 | $30,000.00 | $8,000.00 | +26.67% | 12.18% |
| International Index | foreign-equity | $34,000.00 | $30,000.00 | $4,000.00 | +13.33% | 10.90% |
| Emerging Markets Index | foreign-equity | $18,000.00 | $16,500.00 | $1,500.00 | +9.09% | 5.77% |
| Target Date 2045 | blended | $28,000.00 | $24,000.00 | $4,000.00 | +16.67% | 8.97% |
| Total Bond Index | bond | $26,000.00 | $25,200.00 | $800.00 | +3.17% | 8.33% |
| Stable Value | short-term | $8,000.00 | $7,900.00 | $100.00 | +1.27% | 2.56% |
2034 milestone
You are below Fidelity's bear-case 2034 band.
Bands: bear $760,000 · base $1,180,000 · avg $1,640,000
Gap to the average band: $1,328,000
Hypothetical to 2045-01
- @ 4%/yr · 19.6 yrs$672,989
- @ 6%/yr · 19.6 yrs$977,574
- @ 8%/yr · 19.6 yrs$1,410,133
- + guaranteed income$2,800/mo
Deterministic, no new contributions. Non-advisory decision support — not a recommendation to buy, sell, or rebalance.