No two companies are alike; no two DC plans are alike; no two participants are alike. The PROgram recognizes distinctions. For example...

Here is a scattergram that shows the variety of equity allocations as a percentage of the portfolio. Each participant's percentage is expressed as a function of age.  This is a sample for a 401(k) plan from a company that also has a Defined Benefit plan: 
                                   
      

Compare the scattergram above with the one below from a company that has a 401(k) plan but with no DB plan.