Għal sommarju riċenti ta’ dan id-dibattitu empiriku, ara William Gale, The Impact of Pensions and 401(k) Plans on A Critical Assessment of the State of the Literature, dokument ippreżentat f’ERISA After 25 A Framework for Evaluating Pension Reform, Washington, D.C. , 17 ta’ Settembru, 1999.
Għal sommarju reċenti tad-dibattitu empiriku n-nies għandhom jagħmluha biss