News from Duke University's Center for Advanced Hindsight, Nova Healthcare Administrators, Vantage Leadership Consulting, American Public Life Insurance Company, Mercer Advisors.

But just 12 percent of U.S. employers say they've increased benefits over the last year.

With the right mix of stakeholders and the right size, a board can favorably affect a plan's 10-year investment return.

Here are 10 things a Pew study revealed about the variance in legal protections for benefits workers will be depending on in retirement.