But of course ... I was also expecting this one!
The pension funds are not supplied by those who are breaking the bank in the USA precisely because they are breaking the bank and who cannot contribute for X years in these funds ... (the retirement contribution is not compulsory there ... I believe...)
The pension funds are the middle classes which feed them, the households which touched between 10 and 30 000 $ per month in assets! The higher classes are not sure, they don't really need a pension with all their assets.
These pensioners are richer as retirees than you probably ever will be as an employee ... receiving between $ 5 and $ 20 in monthly pension ... thanks to scheming by villainous pension funds
of which, somewhere, we are almost all virtual and ... medical slaves now ...