1.   And many employees have traditional pension plans to fall back on if problems arise in another retirement account.

2.   And many employers have eliminated traditional pensions.

3.   Assets in defined contribution plans are rising faster than those in traditional pension funds, according to Access Research Inc., based in Windsor, Connecticut.

4.   Assets in defined plans are rising faster than those in traditional pension funds, according to Access Research Inc., based in Windsor, Connecticut.

5.   At the same time, the share held by traditional pension plans has climbed slightly, while that of life insurance companies has slipped a bit.

6.   Bank One Corp. also has its eye on the future, replacing its traditional pension plan with a cash balance plan this year.

7.   But Morgan dominates a declining segment of the business as an adviser to traditional corporate pension plans.

8.   For instance, companies are cutting back on traditional pensions and reducing retiree health benefits, affecting both retirees and employees thinking about taking a buyout.

9.   For many, it has replaced traditional pensions as their main source of retirement income.

10.   Gaining market share, though, will be slow because most of the plans for teachers are still traditional pension funds provided by state governments.