HW Enterprises is considering starting a 401k plan for employees. Based on the following data, calculate the balance in the 401k account at the end of 20 years and the dollar amount of a 25-year, annual annuity the plan could provide each of its expected 5000 employees. Current average annual salaries equal $5,580 million. HW Enterprises plans to match up to 5% of contributions at the end of each year. 85% of employees are expected to participate. Expected return on investment during accumulation period is 8.45% per year compounded annually. Expected return during the annuity period is 5.75%. Address viability of the plan and inform the executive team of other factors they should consider before starting the plan.