Question 10 (1 point) In plans, the investment risk is largely held by the whereas with plans, the investment risk is largely held by the defined benefit; employee; defined contribution; employer defined contribution; employee; defined benefit; employer defined contribution; employer; defined benefit; employee defined benefit; employer; defined contribution; employee Question 11 (1 point) Which of the following is TRUE regarding mortality tables? Mortality tables are only created by analyzing insured lives. Mortality tables used in pricing typically have a margin added for conservatism. At least 100,000 observed lives are needed to have a reasonable prediction in creating mortality tables. The law of mortality holds that out of a large group of persons, a certain proportion will die each year until all have died