So, you pulled it straight out of your ass, and didn't bother to fact check. What a surprise. Well, your source was wrong. As are you. Now, I could take the time to explain how a defined benefit plan works, but I fear that it'd be the equivalent of explaining physics to a cockatoo, and clearly it wouldn't be the effort. Edit - actually, I just took a closer look at your "source" and it's clear that you're even more full of it than initially thought. By what terms did you conduct your search on that site? It doesn't provide averages, just a text dump. Assuming you actually did anything at all.