"The retirement plan account savings cap in the White House budget proposal is reportedly tied, not to a hard dollar limit, but rather one that would finance, in 2013, an annuity of $205,000 per year in retirement ... The corresponding account balance threshold would fluctuate over time, based on discount rates -- and that means that the number of accounts that could exceed the threshold in the future could be significant. For example, based on a time series of annuity purchase prices for males age 65 going back to late 2006, the actuarial equivalent of the $205,000 threshold could be as low as $2.2 million. At that level, nearly three percent (2.99 percent) of 401(k) accounts are projected to be impacted. Of course, a higher interest rate environment could result in an even lower cap threshold."