Could not agree more, Col.

Our contract is only as good as its enforceability. In Company language, enforceability = $$$. If noncompliance with the contract is cheaper than the contractual penalty, they'll choose the cheaper option....and then wait for the grievance. What's our record on winning grievances?
So, to your point, I have zero confidence in our ability to write ironclad contractual language to achieve our intended outcome.

I don't want to bet my retirement plan on our current ability to write an effective contract should we decide to implement it. What we have now simply works.....we have thousands of retirees out there who will attest their A Plan checks arrive accurately and on time.

I think a wise use of our dues money would be to find whichever law firm out there writes the best contracts and hire them to write ours....money well spent! I'd much rather pay for that than what we're paying these variable retirement advisors. By the way, how much have we paid them so far?

Better A Plan!
Better B Plan!
That's where we should focus our efforts and resources.