27 pages. Excerpt: "While simply adding annuity projections to existing benefit statements would certainly be a step in the right direction, such information by itself will be of little help to most participants since they will not understand how to interpret the projections or how to go about remedying any problems the projections point out. If the DOL really expects 401(k) plans to be meaningful retirement programs for American workers, the regulations must also include a requirement to show simple action steps that the participants can take."