"Over the last decade, near-retirees have faced an escalating retirement price tag.... From a 2008 low to a peak in 2013, the near-retiree saw her retirement cost jump by about $150,000 -- twice her final pay.... Understanding both past and future retirement costs opens the door to benchmarking the plan's investments. As the most prevalent DC investment default, target-date funds rise to the top in requiring scrutiny and benchmarking."