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Finally, Litan and Singer move on to Leakage of Participants' DC Assets: How Loans, Withdrawals, and Cashouts Are Eroding Retirement Income, a 2011 report from Aon Hewitt which is based on less than 2 million accounts, of the 72 million total. According to the Aon Hewitt report, which doesn’t go into any detail about methodology, when participants took out loans, “the average balance of the outstanding amount was $7,860″. Needless to say, that number was never designed to be multiplied by 72 million, as Litan and Singer do, to generate an estimate for the total number of loans outstanding.

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