Reply #3: Not "my" point - I'm just posting an interesting piece of

[REACTIVATED IN CT]

research that I came across today with some facts that would be handy for us to have - and to share as you suggested.

Does this group (EBRI) have a bias ? Probably not:

The Employee Benefit Research Institute (EBRI) was founded in 1978. Its mission is to
contribute to, to encourage, and to enhance the development of sound employee benefit
programs and sound public policy through objective research and education. EBRI is the only
private, nonprofit, nonpartisan, Washington, DC-based organization committed exclusively to
public policy research and education on economic security and employee benefit issues.
EBRI’s membership includes a cross-section of pension funds; businesses; trade associations;
labor unions; health care providers and insurers; government organizations; and service firms.