Introduction / William G. Gale, John B. Shoven, and Mark J. Warshawsky -- The evolution and implications of federal pension regulation / Sylvester J. Schieber -- The shifting structure of private pensions / William G. Gale, Leslie E. Papke, and Jack Vanderhei -- Effects of pensions on labor markets and retirement / Robert L. Clark and Joseph F. Quinn -- The effect of pensions and 401(k) plans on household saving and wealth / William G. Gale -- Deregulating the private pension system / Theodore R. Groom and John B. Shoven -- Ensuring retirement income for all workers / Daniel I. Halperin and Alicia H. Munnell -- From fiduciary to facilitator : employers and defined contribution plans / Pamela Perun and C. Eugene Steuerle.