Final answer:
The retirement plan that does not potentially involve contributions from an individual’s employer is the a) Traditional IRA.
Step-by-step explanation:
A Traditional Individual Retirement Account (IRA) is a type of retirement savings plan that is often fully funded by the individual, although there is the option for non-deductible contributions in some cases. It differs from options like 401(k)s and pensions, where the employer can make contributions.
Unlike employer-sponsored plans, such as 401(k)s and pensions, where contributions are commonly made by both the employee and the employer, Traditional IRAs are typically funded solely by the individual. Social Security is a government-managed retirement insurance program funded by payroll taxes, not dependent on employer contributions, while pension plans and 401(k)s are structured with possible employer contributions.
Hence, the correct answer is Option A.