Republicans want individuals to have their own private investment accounts.
The report says they would do better if the system included private individual investment accounts.
The Republican proponents of individual investment accounts do not want to talk about the idea now, in an election year.
Retirees would be allowed to keep all the money in their investment accounts.
The computer then enters the government's investment account at $2,500.
Even so, his campaign for private investment accounts has had a rocky ride in recent days.
Indeed, many students' questions indicated a general support for the idea of private investment accounts.
More than half said they had put money in a savings or an investment account at least once a month.
With luck, an investment account would have earned enough by then to make up the $138 difference.
Commission members said that would not be quick enough for people to deal with investment accounts.