Once year employees are given opportunity to join one of three pension plans, A, B or C. Once an employee decides to join one of such plans, the employee can't drop the plan or switch to another plan. Past records indicate that each year 4% of the employees elect to join plan A, 14% elect to join plan B, 7% elect to join plan C, and the remainder to not join any plan. In the long run, what percentage of employees will elect to join plans A, B, and C? On average, how many years will it take an employee to decide to join a plan? In the long run, 16% of the employees will take insurance A, 56% will take insurance B, and 28% will take insurance C. On average, it will take an employee 4 years to join a plan.