The last scan for this plan had few funds in the Balanced portfolio and no company stock. This year the Balanced portfolio has 1% in company stock and over half the funds in the plan are in the Balanced portfolio which has a 5yr APR = 3.92%. The employee portfolio had 16% invested in company stock which reduced their 5yr return to APR = 2.85%. The stock had a great 2009 but the 5yr annualized return is less than half the average return. Volatility kills compounding.
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