should check your YTD return.
一般是1/1/2011到9/30/2011, 或者今年的第三季度的rate of return.
和S&P index 比较, 就有数了。
今年的第三季度的rate of return 大部分人是-10% -- -20%。
don't feel bad. you are not alone.
also, every 401k plan is different. what investment choices (mutual funds or stocks)
does yours provide ?