Dlax,
have to remember the notional Cap fills in the bad years, of which 2016 was one...not looking it up, but think mkt return was approx 1% that year.

Of course, that poor return year is included in the model already...as is the meltdown in 2008, the crash associated with 9-11, and the dot.com meltdown

The cap would help mitigate those years of course, but after looking at the models, and reading some of the projections others have posted...thinking I’d rather skip that part.
2% floor still results in a better outcome than our current plan