Which of the Following Explains Why Private Employers (More Frequently

Which of the following explains why private employers (more frequently than public employers) have tended to shift away from defined benefit programs?

A) Their employees have begun to reduce the amount they shift from one employer to the next.
B) Their employees have begun to increase the amount they shift from one employer to the next.
C) Their employees have increasing fallen victim to Ponzi schemes.
D) People have begun to create well-funded private savings plans.