There's a quite stern warning somewhere in all the info that superiors (and subordinates with bigger brains) should not advise others on what to do, but merely to explain what is on offer. This is to prevent being liable for crap advice....
HOWEVER....
if you're as bitter and twisted as everyone else in the mob, you'll believe in the old adage: 'They never offer you something better'.
Yes, there will undoubtledly be people who will be better off, but you can bet your pension ('scuse the pun) that for most people the better option is to stay put. Unless you plan on dying inwhich case your wife will be beter off on the new plan!