I find just using the colors as the demarkation a bit harder to understand. You can use a vertical rule to act as a placeholder for the goal, YTD or annual, depending on the day.
Your focus should be the goal and how much over or under you are. What I mean is there is not enough value of showing the actual numbers when you are just bother to about the differences in values. Highlight the difference and keep the progress and the goal in the background. Since John already tested the colors I am trusting him ;) and using the colors. Blue is the employee's actual value, red is amount less than goal and green is amount over goal.
The idea being, the person should be able to see how much over or under the goal they are:
- Fig 1: More than goal, green
- Fig 2: Less than goal, red
- Fig 3: More than annual, green again
Also, making them interactive will be beneficial. You don't need anything fancy necessarily, just some mouse over labels showing the actual values or something which adds more information in context.
download bmml source – Wireframes created with Balsamiq Mockups
If you want to go extreme, you can grey out the blue progress and just show the vertical rule and the red or green box. Just show differences no need for progress.