Jorgen meets with Kirsten, an insurance agent, for an annual review. Jorgen works for a company which offers a defined benefit pension plan (DBPP). When Jorgen asks Kirsten to explain how a DBPP works, which of the following explanations is CORRECT? a) Only the employees will contribute to the DBPP if it is a non-contributory plan. b) Jorgen will not be responsible for the investment selection in the DBPP. c) Upon Jorgens death, his spouse may receive a maximum of 50% of his pension. d) Upon retirement, the funds in the plan must be transferred to a locked-in account.