A new employee joins your company at age 24 making $40,000 per year. Currently, banks are paying 5% interest on saving accounts, and the rate of return on the company stock is 4% per year. During benefits enrollment, the employee stated that she would like to retire at age 60 with 3 million dollars in her retirement account.
Compare the following retirement options for this particular employee in 1,050 words:

403B
401K
Pension
Annuities
IRA
Estate planning

Determine which retirement option(s) you would choose if you were this employee.
Assess the factors that this employee should consider when selecting a retirement plan.