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Call your HR manager:

Request a calculation of the Present Value of your benefits at age 65.

Assuming interest only is not sufficient, you need to account for the possibility of at least mortality, if not also termination and early retirement. Your company's actuary will likely provide this calculation for you through your HR manager.

Also, the law doesn't require every company to receive statements annualy, but triannualy. Some companies do offer annual benefit statements, but it is not required by law.

Hope this helps.
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