Many workers depend on plans【B1】______ by their employers to help pay for t

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问题    Many workers depend on plans【B1】______ by their employers to help pay for their retirement. There are two major kinds of retirement plans. One is defined by what is paid out, the other by what is paid in.
   The first is called a defined【B2】______ plan, or pension. It provides set【B3】______  based on the number of years an【B4】______ has worked. These plans often pay for health care and other costs. They might also provide money to family members when the【B5】______  dies.
   Pensions, however, can be a big cost to employers. In the United States, the change from a【B6】 ______  economy to a service economy has resulted in fewer and fewer【B7】______  plans.
   The other major kind of retirement plan is called a defined【B8】______  plan. Two things define how much a worker will get at retirement.【B9】_______
One popular version is a four-oh-one-k plan, named after a part of the tax law.【B10】______
But some plans are very complex. An easier way for small employers to offer retirement savings is through a Savings Incentive Match Plan.【B11】______  [br] 【B4】

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