2012 market returns

[Grieve]

Fidelity uses a time phased calculation that I can't really figure out the math on. So I'm not sure how you back out to what extent and how company matching plays into it.

I just tried:

(Ending Balance - my contributions - emp contributions) / Starting Balance

and I got 16.7%, so it sounds like Fidelity is a bit more conservative. Probably also take into account when each of the contributions came in and what the return on those was.