.43 , $ 57.37 and $ 46.21 , respectively . 14 . defined benefit plans we have a number of pension plans in the united states , covering many of the company 2019s employees , however these plans have been closed to new hires . the plans provide for payment of retirement benefits , mainly commencing between the ages of 55 and 65 . after meeting certain qualifications , an employee acquires a vested right to future benefits