As you say, the incentives are out of whack. I'd say the other difference the defined benefit tend to have an extra layer of cost in them. Maybe this can be pai

As you say, the incentives are out of whack. I'd say the other difference the defined benefit tend to have an extra layer of cost in them. Maybe this can be paid for strictly with the surplus but when it can't, they start chasing. I've always found defined contribution to be more fair (why can't my children benefit from my hard work?) and by definition lower cost.