2
3
4
5
6 CB CB DB DB CB DB
7
8
9
10
1 11
12 2
13 3 + CB DB + + 2008630 +
4 14
15
5 6 GAM83 7 16
17 (Internal Revenue Service: ) 19999 8 determination letter
18 2001 9 IRS 9 2001
19
20 $70,350 5 WearAway / Pension Plateau $99,300
21 10
11 12 22
13 14 23
24
25 401(k) 401(k) 401(k)
25 49 47 62 B 5 50,000 5 65,000 2.0% 34 2.5% 39 3.0% 25 292.0% 5 10.0% 47 496.0% 3 18.0% 44 4.0% 30 342.5% 5 12.5% 50 548.5% 5 42.5% 49 6.0% 35 393.0% 5 15.0% 55 5911.0% 5 55.0% 54 8.5% 40 444.0% 5 20.0% 60 6214.0% 3 42.0% 59 11.0% 45 496.0% 5 30.0% 157.5 14.0% 87.5 29 30 35 40 45 50 55 60 50,00087.5 43,750 B 65,000157.5 102,375 26
27
28