Participants on the panel are Theodore Francis of the The Wall Street Journal; professor Teresa Ghilarducci of the Higgins Labor Research Center at The University of Notre Dame; Zvi Bode, professor of finance and economics at Boston University School of Management; and Edward Ferrigno of the Profit Sharing 401K Council of America. Excerpt: Does it make your pension more secure? Or should there be a new box warning: By the way you could end up with nothing.