[Jamo]

Totally agree...and many now do get only a 401(k)-type plan (public-employee plans are regulated a little differently, but essentially the same stuff).

My daughter's one of Awnold's District Directors...his staff gets hit even when the legislative and bureaucratic folks don't. She's not happy, but she certainly understands why it needs to be done and doesn't mind being part of the staff that sets the example.