私营部门公司正在放弃他们对于固定收益养老金计划(DB)的承诺，在该方案中雇员根据其退休时的薪资标准获得收入。

Private-sector companies have been abandoning their commitment to defined-benefit (DB) pension schemes, in which employees receive an income based on their final salary.

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据海克说，根据他们公司统计，在美国1400多个有固定收益养老金计划的公司里，平均每个公司的资金不足数是3.76亿美元。

According to Hackel, the average company among the 1400-plus with defined benefit plans that his firm tracks was $376 million underfunded.

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据塔沃森的一项研究，过去十年，养老金固定收益计划的全球资产每年仅增长2.9%，而养老金固定缴款计划的全球资产每年增长了7.5%。

Over the past ten years global assets in DB plans have grown by just 2.9% a year, whereas those in defined-contribution plans have increased by 7.5%, according to a Towers Watson study.

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