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A Better Bang for the Buck: Post-Retirement Experience Drives Cost Advantage for DB Plans Over DC Plans (PDF)
National Institute on Retirement Security [NIRS] 
Jan. 6, 2022 31 pages. "A typical DB plan has a 49 percent cost advantage compared to a typical individually directed DC plan because of longevity risk pooling, asset allocation, low fees and professional management.... A DB pension plan costs 27 percent less than an 'ideal' DC plan, with below-average fees and no individual investor deficiencies.... In other words, a typical DC plan costs nearly twice as much to provide the same level of retirement benefit as a DB plan, with four-fifths of the difference occurring post-retirement." |
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