In1974 Congress passed the employee retirement income security act, which set standards for private pension plans; a federal agency, the Pension Benefit Guaranty corporation, helps to administer it. 1974年国会通过了“雇员退休收入保障法”,为私人退休金计划规定了标准,并由联邦政府机构“退休金保障公司”帮助实施这些标准。