"[H]ospitals, perhaps more than any other classification of employer in the U.S., have particularly interesting challenges when it comes to attracting and retaining their employees, mostly professionals. And, as hospital organizations have become a primary employer of physicians, the difficulties only increase.... You need a solution that meets all of these criteria: [1] Costs are stable; [2] Ability for very high-paid people to defer significantly is there; [3] Nondiscrimination testing is easy to pass; [4] Benefits are portable; [5] Both lump sums and wholesale priced annuities (annuities from the plan as compared to from a mutual fund provider or insurer) are available."

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