15 pages. "As the U.S. retirement system continues to evolve and individuals take on more responsibility for retirement planning, it's important to support those workers as much as possible in the transition.... [K]ey policy changes that will strengthen the current system.... [1] Encourage greater access to lifetime income products.... [2] Establish an alternative 401(k) safe harbor plan with higher deferral rates.... [3] Facilitate portability and consolidation of individuals' retirement assets.... [4] Permit some retirement savings to be used for short-term needs.... [5] End the Federal Budget practice of 'double counting' increases in the premiums that plan sponsors must pay to the PBGC.... [6] Revise nondiscrimination testing rules that currently encourage many plan sponsors to 'freeze' their DB pension plans."  MORE >>