"The rule merely tells participants (or a participant and spouse) ... how much income their current savings would buy if they were reaching retirement age today, and bought an annuity at today's interest rates and annuity prices.... That's a fairly useless number. It won't help participants project the amount of savings they might accumulate by the time they retire if they keep saving at the current rate, or how much they might be able to generate from those savings."  MORE >>