Fund(k) scores every fund in your plan across four independent pillars using SEC filings and public market data. No qualitative overrides. No conflicts of interest. One composite score that tells you the truth.
Tall bright towers mean the plan is healthy. Short dim bars show where to look.
The composite score is the equal-weight average of all four pillars.
Every fund in your plan is evaluated across four independent dimensions. Each pillar answers one question an investment committee should be asking. Together, they form a complete picture that no single rating can provide.
Measures risk-adjusted returns relative to the fund's peer group. Not just "did it go up?" but "did it go up enough to justify the risk and cost?" Uses rolling alpha, Sortino ratio, information ratio, and alpha statistical significance.
Evaluates how the fund behaves when markets decline. A fund that captures 130% of a downturn is failing its participants. This pillar rewards funds that limit losses and recover quickly when markets turn.
A pure cost measure: where does this fund's expense ratio rank against its peer group? No qualitative adjustments. Cheaper funds score higher. Every basis point matters — especially in a defined contribution plan where costs compound over 30-year careers.
Measures whether the fund delivers what it promises. A large-cap value fund that drifts into growth territory introduces risk the plan didn't sign up for. This pillar rewards managers who stay in their lane and deliver repeatable results.
The scoring system adapts to what it finds. A well-managed plan lights up green. A neglected plan shows exactly where the problems are. The visual tells the story before you read a single number.
Traditional fund ratings condense everything into a single backward-looking number. That simplicity comes at a cost: a fund can earn a high rating while charging excessive fees, because the rating blends cost into a return calculation where strong recent performance masks the drag.
Fund(k) separates what should be separated. Cost is scored independently. A fund charging 1.2% in a peer group where the median is 0.45% cannot hide behind a good quarter. Risk is scored independently. A fund that dropped 35% in the last correction can't offset that with a strong year. Each pillar stands on its own — and the composite reflects all four equally.
The data comes directly from SEC Form N-PORT filings and public market prices. No intermediary. No third-party licensing. No relationship with fund manufacturers. The scoring engine has no opinion — it computes percentile ranks within peer groups and reports what the numbers say.
The result: insights you can trust because nobody paid for them.
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