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With this in mind, how might artificial intelligence (AI) affect the world of retirement accounts, specifically defined contribution (DC) plans? With fee transparency, few surviving providers, and robos directing consumers to the most suitable investment products and strategies, the employer's role in retirement funds will probably diminish. In turn, true personal pension accounts, akin to bank accounts, will likely emerge at the expense of company-run plans. He has over a decade of experience in roles spanning product development, consulting, and strategy across the DC landscape.