Regarding the Jan. 30 news article “New retirement savings option is seen as a moderate first step”:

President Obama criticized tax breaks for 401(k) accounts as a subsidy for the rich rather than helping those in need. In an implied criticism of Mr. Obama’s claim, Brian Graff of the American Society of Pension Professionals & Actuaries said, “In reality, households making more than $200,000 only get 17 percent of the tax benefits of 401(k) plans.” This is typical of the numbers games played by those who benefit from America’s income disparity and the laws that perpetuate it.

Households with incomes above $200,000 represent slightly more than 4 percent of all households. With 4 percent of households reaping 17 percent of the benefit, Mr. Obama’s point is proved.

Jack Hirsch, Silver Spring