NakedPuts00

1 if the plan is frozen, and benefit is not inflation indexed NOMINAL
2 if the plan is frozen, and benefit is inflation indexed REAL
3 if the plan is not frozen, and benefit is not inflation indexed BOTH
4 if the plan is not frozen, and benefit is inflation indexed REAL

With number 3, you hold accrued amount and future amount based on current wage in nominal, you then will hold the future amount from wage increases in real as wage growth will track closely with inflation.