What are the disadvantages of defined contribution pension plan for employees?

Group of answer choices

A worker's retirement payout is limited to his/her contribution.

A worker's retirement payout is determined by a formula so that the worker bears no direct risk.

The return may be higher, and the worker often has some control over how the money is invested.

A worker's retirement payout depends on the performance of the invested monies, so it is riskier.