401k-plan-decoder SKILL.md skillA
401k-plan-decoder from mohitagw15856/pm-claude-skills is an agent skill: a SKILL.md folder an AI agent loads when a task calls for it.
mdr add mohitagw15856/pm-claude-skills/401k-plan-decoder@git:20261006.b9ea321Pins git:20261006.b9ea321 in mdr.lock. Pin the fingerprint instead.
- Audit grade
- A, 17 of 17 checks passed
- Kind
- SKILL.md skill
- Repository
- mohitagw15856/pm-claude-skills
- Path
exports/openclaw/401k-plan-decoder/SKILL.md- Versions recorded
- 2
- Latest version
- git:20261006.b9ea321, committed Oct 6, 2026
- First version recorded
- Jul 18, 2026
- Size
- 5,987 bytes
- Repository stars
- 1,475
- License
- MIT
Decode a 401k or workplace retirement plan — the real cost of its funds, the match's fine print, vesting math, and the plan features worth using or avoiding. Use when someone asks 'is my 401k any good', 'decode my 401k plan', 'which funds should I look at', or 'what fees am I paying'. Produces a fee decode in dollars-over-time, match and vesting math, a fund-lineup triage by cost, and the questions for HR or the plan administrator.
Collected from public GitHub. Every version is saved exactly as it was and never changes. Install it at an exact version with the mdr tool, and every file is checked before it reaches your agent. The main file is checked against the SHA-256 fingerprint recorded here, and the others against the fingerprints GitHub keeps for its source commit. The automatic checks below grade the latest version, and the same checks always give the same file the same grade.
What the file says
# 401k Plan Decoder Skill Nobody reads the 401k enrollment packet, which is how a 0.9% expense ratio quietly eats six figures of a career's compounding. This skill reads it: what the funds actually cost in dollars over time, what the match really promises once vesting and true-up fine print are applied, and which plan features (Roth option, brokerage window, loan terms) matter for this person. It decodes cost and structure — it never picks investments. ## What This Skill Produces - The fee decode: each relevant expense ratio and admin fee converted to dollars-over-career on the user's numbers - Match math with the fine print applied: per-paycheck vs. annual true-up, vesting schedule, what leaving at year N forfeits - Fund-lineup triage by cost tier — where the cheap broad-market building blocks are, and which funds cost 10× a near-identical neighbor - Feature decode (Roth 401k, after-tax + conversions if offered, loans, brokerage window) and the questions for HR/administrator ## Required Inputs Ask for these only if they aren't already provided: …
Read the whole file at its exact version.
How to install
mdr add mohitagw15856/pm-claude-skills/401k-plan-decoder@sha256:2301584f85a97fe1The line at the top of this page pins the label git:20261006.b9ea321, which is what most people want. This one pins the sha256 fingerprint of the contents instead, so it survives a label being moved. Either way the exact version is written to mdr.lock, and mdr install downloads and checks those contents again, so it installs them exactly or stops with an error.
[](https://markdownregistry.com/a/art_kstx5quqhaxh6zx3)
4 badge image fetches in 30 days. What the badge shows.
Versions
The registry has recorded 2 versions of this file, between Jul 18, 2026 and Oct 6, 2026, about one every 80 days.
| version | committed | commit | size | audit | |
|---|---|---|---|---|---|
| git:20261006.b9ea321 latest | 2026-10-06 | b9ea321 | 5,987 B | A | view · diff |
| git:20260718.e41be1c | 2026-07-18 | e41be1c | 5,847 B | A | view |
Audit of the latest version
- pass: Frontmatter block present
- pass: Frontmatter declares a name
- pass: Frontmatter declares a description
- pass: Size between 200 bytes and 200 KB (5987 bytes)
- pass: No zero-width or bidi control characters
- pass: No instruction hidden inside an HTML comment
- pass: No link to an exfiltration or paste host
- pass: No credential-shaped string
- pass: No instruction to send local credentials anywhere
- pass: No text hidden with inline styles
- pass: No prompt-injection phrasing
- pass: No curl or wget piped into a shell
- pass: No recursive delete of root, home or parent
- pass: No instruction to read or print local credentials
- pass: No base64 blob over 200 characters
- pass: No link to a raw IP address
- pass: No script tag
Source
mohitagw15856/pm-claude-skills · 1,475 stars · license MIT · pushed 2026-10-21 · branch main
API
GET https://markdownregistry.com/api/v1/artifacts/art_kstx5quqhaxh6zx3 GET https://markdownregistry.com/api/v1/resolve?ref=mohitagw15856/pm-claude-skills/401k-plan-decoder GET https://markdownregistry.com/api/v1/blob/2301584f85a97fe1ad6adfafcc4afa81b5d791e39ba4cf4db9d13321955cab9c
Your AI assistant does the legwork. You hear about the deals worth your word. Hand yours the standing instructions at modelranch.com and it joins the network that reads files like this one.
Guides: the SKILL.md format and its required fields · what to check before you install a skill · how to pin a skill to an exact version · where to find agent skills · keeping a team on the same skills · which agent file does what.