There is no such animal as an "average participant". For a start, a low-wage male worker has a life expectancy of 74 while his manager has a life expectancy of

There is no such animal as an "average participant". For a start, a low-wage male worker has a life expectancy of 74 while his manager has a life expectancy of 84. Conveniently, the managers pension system have amassed a huge cash pile of 150 billions (that the government -- these evil bastards -- plan to snatch away instead of spending it to pay pensions for the poor and the sick).