They would also have hybrid plans, with part of the traditional defined-benefit pension replaced by a defined-contribution plan of the sort common in the private sector.

他们同时采取复合计划，即把部分传统的确定给付养老金形式替换为私营部门常见的养老金固定缴款计划。

youdao

It seems clear, though, that Americans have won more responsibility for their retirement portfolios as firms switch from defined-benefit pension plans to defined-contribution plans.

ECONOMIST: Ageing America

That number includes both defined benefit pension plans and contribution plans like 401(k)s.

FORBES: Good News: Today's And Tomorrow's Retirees Are Better Off Than You Think

Companies have also, sensibly, been switching from defined-benefit schemes, under which the company bears the risk of maintaining pension payments, to defined-contribution plans, in which the risk lies with individual pensioners.

ECONOMIST: Occupational pensions