Our 401(k) Plan Fund Analysis
The purpose of our analysis of funds is not only to conform with the broad range requirement of Section 404(c) of the Internal Revenue Code but also to attempt to consistently maintain the most effective platform of funds for our plan participants to invest in.
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Qualitative Analysis:
Qualitative including Organizations,
Philosophy/Process and Resources
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Quantitive Analysis:
Historical Performance-Risk Adjusted
for Peer Performance and Consistency
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Overall Rating:
Benchmarks: Funds are benchmarked against its respective peer group as determined by the Morningstar Category. The Morningstar® Category identifies funds based on their actual investment styles as measured by the underlying portfolio holdings over the trailing 36-month period. Additionally, Index Benchmarks are reviewed.
Return Composite: The Return Composite measures the fund’s performance relative to its peer group on a net-of-fee basis. It is calculated by taking the equally weighted average of the 3, 5, and 10 year return percentiles.
Sharpe Composite: The Sharpe Composite measures the fund’s risk-adjusted performance relative to its peer group. It is calculated by taking the equally weighted average of the 3 and 4 year Sharpe percentiles.
Overall Composite: The average of the Return Composite and the Sharpe Composite determines the Overall Composite where an Overall Composite above the 66.67 percentile is considered above the benchmark.
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Other Considerations:
Investment Managers
SEC Violations
Style Drift
Trade Transactions
Portfolio Turnover
Operational Problems
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No analysis system assures a profit or protects against loss. Investing in Mutual Funds is subject to risk including possible loss of principal.
Thomas P. Freismuth, CLU, ChFC, AIF®
LPL Registered Representative
Securities & Advisory Services offered through LPL Financial, Member FINRA/SIPC
The LPL Financial Representatives associated with this site may discuss and/or transact securities business with residents of Arkansas, California, District of Columbia, Florida, Michigan, Missouri, North Carolina, Pennsylvania, and Virginia.
