This is a good plan however company stock WFT sold off in 2008 like many but much more than most at down -68.5%. This reduced WFT 5yr APR to 3.72% even though the average return was 18.9% for the same 5 years. A textbook example of how volatiltiy kills compounding. The Balanced portfolio invested most of the plan in a Retirment Preservation Trust GIC.ekx in the scan and the employee portfolio invested 23.0% in that Trust. On a positive note WFT enjoyed a good 2009 and was up 64.5%. That helps but even so the new 5yr APR is still small at 6.7%because 2004 was up 42.5%.
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