The Regions Financial 401k was hurt by company stock RF which has a negative 5yr APR of -23.44% and the employee portfolio largest holding is the stock. Their 5yr APR is also negative at -2.05%. The Balanced portfolio has a 5yr APR of 5.74% with a Sharpe ratio of 1.40. This is about average for hundreds of 401k plans. The Balanced portfolio largest holdings are 2 bond funds and the stable value fund. I hope employees understand that volatility kills compounding. In the last 5 years before retirement losing more than 20% each year in company stock is not prudent.
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