<prompt> Translate the following text to EnglishHata hivyo, wakati mipango ya mchango uliofafanuliwa, kama vile mipango ya 401 k, hupata hasara kama hizo, washiriki wa mpango mmoja mmoja huathiriwa moja kwa moja na kubeba hasara wenyewe.  <response>: However, when defined contribution plans, like 401k plans, incur such losses, the individual plan participants are directly affected and bear the losses themselves. 