In any case, it's next to impossible to verify any of this, because your statements don't break out holdings and income by vintage. Even if someone isn't making contributions anymore (which slightly simplifies the calculations), taking a starting and ending balance one year apart doesn't provide any way to extract the various interest rates that lead to whatever Rate Of Return (for the total sum, that is) you manage to calculate on the two numbers.

What I do to calculate the rate of return on my Traditional holding (using my calculator)at any time is:

I take the total amount of increase for one day by subtracting it from the previous day;

I divide it by the previous days' total amount in the Traditional account;

I hit the % key on my calculator (which gives me one days' rate of return);

I multiply the result by 365 (days in the year) and presto! I have the Yearly rate of Return.

It's a little funky, but it's pretty darn close.

Sy