The answer, as far as the state of Indiana and Mercer Consulting can find, is no.
Mercer Consulting reckons that governments that have not set aside money for future obligations will face liabilities 40-60 times the current annual cost of retirees' health care.
ECONOMIST: Retired Americans' health care: Clearly unhealthy | The
Christine Mahoney of Mercer Consulting reckons that the cost of funding a 60-year-old employee in a DB scheme is 12% of payroll, whereas in a DC plan it is just 6%.
What we, and independent health-care experts at Mercer Consulting, have found is that individually owned and directed health-care coverage has a startlingly positive effect on costs for both employees and the state.
Mercer Investment Consulting, the Marsh pension-fund adviser, is, like its insurance sibling, a double-dipper.
For example, according to a new global survey by Mercer Investment Consulting, less than a quarter (23%) of 180 pension funds surveyed that invest in funds of hedge funds are satisfied with their investment returns, while 28% are dissatisfied.
Mercer Human Resource Consulting predicts that by 2006 70% of midsize and large U.S. companies will offer HSAs.
However, "auto-enrollment wards off one kind of inertia and creates another, " says Dave Tolve, a partner specializing in benefits at Mercer, the consulting firm.
Some companies extend domestic partner benefits to one area, like bereavement leave, as a test, says Ilse de Veer, a benefits consultant with Mercer Human Resource Consulting.
Mercer, a consulting firm, this scheme is likely to be attractive to many companies, because they will not have to pay a payroll tax on remuneration in the form of shares.
Mercer, a consulting firm, publishes a ranking of big cities each year based on an assessment of about 40 factors falling into ten categories (political, economic, cultural, medical, educational, public-service, recreational, consumer-goods, housing and environmental).
Besides the work by consulting firms cited in the text, publications on banking subjects on the websites of Mercer Oliver Wyman and Boston Consulting Group also proved useful.
Still, Tokyo is the world's most expensive city for expatriates to live in, according to international human-resources consulting firm Mercer.
In a similar survey last summer by human-resources-consulting firm Mercer, Singapore surpassed Hong Kong for the first time in the cost of living.
According to the U.S. Compensation Planning Survey and research by the compensation consulting firm Mercer, companies plan to offer employees an average pay raise of 2.9 percent.
The result: Even senior foreign nationals on assignment to the U.S. often "cannot open a bank account or get a line of credit, " says Ed Hannibal, North American mobility leader at consulting firm Mercer.
"For a pension investor who is looking around the world thinking, 'I want a global portfolio, ' quite often the Firpta has stopped them filling in that North American piece, " said Paul Richards, head of European property at consulting firm Mercer.
Germany is among more than two dozen industrialized countries -- from Australia to Slovenia to Japan -- that require employers to offer four weeks or more of paid vacation to their workers, according to a 2009 study by the human resources consulting company Mercer.
Mercer, a human resources consulting business, ranks nations according to how many holidays they entitle workers to.
According to a recent study by Mercer Oliver Wyman, a consulting group, and Morgan Stanley, an investment bank, cross-border mergers can work if the buyer brings more sophisticated information-technology and risk management to the target.
And there are other -- Mercer, a well-known independent benefits consulting firm, released a surveyed of employers showing that their health insurance cost increases will average 5.4 percent for 2012, which is the smallest increase -- or would be the smallest since 1997.
Add to that the detailed salary data sold by such consulting firms as Towers Perrin and William Mercer.
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