7 pages. Excerpt: [A]llowing participants to [decide whether to use individual accounts] raises a number of concerns, including: Does offering a choice increase overall program costs? Would participants be sufficiently knowledgeable ... to make informed decisions? What benefits should participants get if they choose to remain in the traditional plan, particularly if it is not financially sound? ... The purpose of this issue brief is to explore the issues that policy-makers should consider ...  MORE >>