Your 401(k) participant statement is an important tool for tracking your retirement savings. It provides a detailed overview of your account balance, investment performance, contributions, and more. This article explains what’s included in your quarterly and annual statements, how to find them, and how to interpret key information—like unrealized gains and vesting status.

Where to Find Your Participant Statements

You can access your statements at any time by logging into your account.

Once logged in:

  1. Go to your 401(k) Dashboard
  2. Under My 401(k) Resources, select one of the following:
  • Quarterly Statement – to view your most recently issued quarterly statement
  • Year to Date – to view current information about your account balance and activity

Note: Participant statements are generated on a quarterly basis. The Year to Date view provides a current snapshot of your account but may not include all the detailed information found in the official quarterly statement.

What’s Included in Your 401(k) Statement

Your statement includes the following key information:

1. Personal Information

  • Your name and address
  • The last four digits of your Social Security number (to help distinguish participants with the same name)

2. Account Summary

  • Current account balance
  • Contribution history
  • Transaction history
  • Investment performance for the reporting period

3. Vesting Information

If your plan has a vesting schedule, the statement will show how much of your balance is vested (fully yours) versus unvested (subject to employer ownership based on service requirements).

4. Investment Principles

Each statement includes an educational disclosure about the importance of:

  • Maintaining a well-balanced and diversified portfolio
  • Avoiding investment in too much of a single security (such as employer stock)
  • A link to the U.S. Department of Labor website is included for more information on diversification best practices

5. Lifetime Income Projections (Annual Statements Only)

Your annual statement includes a projection of your potential monthly income in retirement, based on:

  • Your current account balance
  • Assumed rates of return and retirement age
    • These estimates help you better understand how your current savings could translate into retirement income.

Understanding Unrealized Gains and Losses

Your statement also includes a line item labeled Unrealized Gain/Loss. This reflects the change in value of your investments that have not yet been sold. This value reflects how much your investments have grown “on paper” based on current market prices.

  • Unrealized gains give you insight into how your investments are performing, but they are not cash in hand until you sell the investment.

What Does That Mean?

When the price of a stock, mutual fund, or other investment in your 401(k) account goes up, your account balance increases—even if you haven’t sold anything. This increase is called an unrealized gain because it hasn’t been “realized” through an actual sale.

  • If the investment price goes up, you have an unrealized gain
  • If the investment price goes down, you have an unrealized loss
  • These gains (or losses) can change daily based on the market.

How Is This Different from Other Earnings?

Need Help Reading Your Participant Statement?

If you're unsure how to interpret your statement or have questions about your investment performance, we're happy to help.

Email: info@myubiquity.com 
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