Pure Benchmarks · Portfolio Benchmark Report

ShareBuilder 401k Portfolio Review: How It Ranks Against Real Peers

Short answer

Your ShareBuilder 401k portfolio is underperforming when its return trails a pure index baseline at the same risk level once every fee is counted. A single market index cannot answer that on its own, because it does not hold the same mix of stocks and bonds you do. Pure Benchmarks answers it by placing your actual holdings in one of nine risk categories, recategorized daily from end-of-day holdings, then ranking you against thousands of verified investor portfolios in that same category. For workplace & employer-sponsored platforms, the usual gap comes from the default-menu ceiling.

ShareBuilder 401k is a small-business retirement plan provider built around index-fund lineups, where plan-level administrative and investment fees are charged alongside the expense ratios of the funds themselves. Independent benchmarking for ShareBuilder 401k portfolios. Pure Benchmarks ranks real ShareBuilder 401k portfolios against thousands of other verified investor portfolios across nine standardized risk categories, from 100% equity to 90% fixed income. Every portfolio is recategorized daily from actual end-of-day holdings, and Community Nests shows exactly where your ShareBuilder 401k portfolio ranks against other real ShareBuilder 401k clients in the same risk category — built entirely from verified portfolio data, with no firm that manages money able to see any data point on the platform.

Benchmarking your ShareBuilder 401k portfolio: why it can underperform a pure index baseline

The default-menu ceiling. Workplace plans limit choices to a set menu and often default balances into a single target-date fund. Convenient defaults and a bounded fund list can quietly hold the allocation away from a broad low-cost index baseline.

What to review on your ShareBuilder 401k portfolio

Separate the plan administration fee from the fund expense ratios, because a plan can hold genuinely cheap index funds and still be expensive once the plan layer is counted.
Check whether the account is defaulted into a target-date or model portfolio rather than an allocation chosen deliberately for your horizon.

Illustrative 10-year comparison — a standard managed portfolio versus a pure index baseline. Figures are illustrative only.

Year	Standard managed portfolio	Pure index baseline	Gap
Year 1	$105,200	$107,000	-$1,800
Year 3	$116,400	$122,500	-$6,100
Year 5	$128,700	$140,300	-$11,600
Year 7	$142,300	$160,600	-$18,300
Year 10	$165,100	$196,700	-$31,600

See exactly where your ShareBuilder 401k portfolio stands.

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ShareBuilder 401k portfolio questions, answered

Is my ShareBuilder 401k portfolio underperforming?

It depends on what you compare it against. Measured against a pure index baseline at the same risk level, and against real investor portfolios in that same risk class, the answer becomes concrete instead of a guess. For a workplace & employer-sponsored platforms account specifically: check whether the account is defaulted into a target-date or model portfolio rather than an allocation chosen deliberately for your horizon. Pure Benchmarks builds that comparison from your actual end-of-day holdings and updates the risk category daily as your allocation drifts.

How do I compare my ShareBuilder 401k portfolio to other investors?

Link the account and Pure Benchmarks sorts the portfolio into one of nine standardized risk categories, from 100% equity to 90% fixed income, then ranks it inside Community Nests against thousands of other verified portfolios in that same category. The comparison is peer-to-peer, not a single index, so the result reflects how people invested like you actually did.

What is the right benchmark for my ShareBuilder 401k portfolio?

A peer group in your own risk class, plus a pure index baseline held at the same risk level. Comparing a mixed stock-and-bond portfolio to the S&P 500 alone overstates or understates the result depending on the year, because the risk levels do not match. Matching the risk level first is what makes the comparison honest.

Do fees explain the gap on my ShareBuilder 401k account?

Workplace plans limit choices to a set menu and often default balances into a single target-date fund. Convenient defaults and a bounded fund list can quietly hold the allocation away from a broad low-cost index baseline. ShareBuilder 401k is a small-business retirement plan provider built around index-fund lineups, where plan-level administrative and investment fees are charged alongside the expense ratios of the funds themselves. Pure Benchmarks does not read your fee schedule; it measures the outcome, so any drag that comes from cost, product selection, cash handling, or turnover shows up in where the portfolio ranks against its peers.

Do I have to move money or leave ShareBuilder 401k to use Pure Benchmarks?

No. Pure Benchmarks is read-only and free. It never moves money, never places trades, and no firm that manages money can see any data point on the platform. You keep the account exactly where it is and only gain the comparison.

What should I check first on my ShareBuilder 401k portfolio?

Separate the plan administration fee from the fund expense ratios, because a plan can hold genuinely cheap index funds and still be expensive once the plan layer is counted. After that, compare the portfolio's return against a pure index baseline at the same risk level and against real peers in that risk class, which is the comparison this report is built on.

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This page is an information baseline for comparison only. It is not investment advice and not a recommendation to buy, sell, replace, or transfer any specific asset, account, or firm. Past performance does not guarantee future results. All figures shown are illustrative.