Ramya is employed at a company that offers a pension plan to which she contributes 4% of her earnings. Ramya is not allowed to make investment decisions and the plan sponsor chooses the investments. According to the plan, Ramya can start receiving pension payments at age 60 after completing 25 years of plan membership. Upon retirement, she will be receiving 50% of her career's average earnings. What kind of pension plan is Ramya a member of? 

a. RRSP 

b. DCPP 

c. SIPP 

d. DBPP