https://www.marketwatch.com/story/want-to-get-more-people-to-save-for-retirement-make-it-the-law-11615990210

Appears to be a ponzi scheme where the last people in may be compelled by law to get in the pool.  I have a front row seat to these policies – historically in most plans, mandatory contributions or plan defaults would to go money markets but over the past 15 years or so they’ve been directed to age-based funds – equities (required by employers and possibly soon to be required by law).

The irony to the graphic in this story is that those are actually golden bubbles, not golden eggs.