[sokoloff]

Very few people in private industry have access to fixed benefit plans (other than social security). Most everyone has fixed contribution plans: 401(k) [or 403(b) for education/non-profit].

[sarchertech]

Sorry I invented the term fixed benefit to be in opposition to defined benefit. What I meant was defined contribution.

Which was my point physicians generally have access to the same plans as other industries.

[sokoloff]

"Fixed" and "defined" would be roughly synonyms in this usage, which is why no one understood you.

Defined contribution everyone would have understood to be in opposition of defined benefit.