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The idea is to force 401(k) plan administrators to do a better job of disclosing their fees.

Retirement assets held steady at $24.2 trillion at the end of the third quarter.

Its report noted Deferred Income Annuity sales more than doubled in 2013 to $2.2 billion and were likely to be higher in 2014.

The company is hoping to expand its target market to include those as young as 45.

The key to overcoming survivorship bias is enrolling vast numbers of people (both sick and healthy) in these products.

As Albert Einstein is reputed to have said, Compound interest is the eighth wonder of the world. He who understands it, earns it; he who doesnt, pays it."

Regulators say target-date funds that include deferred-income annuities don't violate ERISAs non-discrimination requirements.

He says regulatory developments "will demand that (the industry) remain united and committed to providing fact-based research and advocacy resources.