Treasury and Labor department officials are asking employee-benefit executives for input on how best to use annuities in retirement plans. "The translation from the [retirement] account balance to income stream is something people aren't good at," said J. Mark Iwry, senior adviser to Treasury Secretary Timothy Geithner. "People are unrealistic about how long they'll live." Michael L. Davis, deputy assistant secretary for the Labor Department's Employee Benefits Security Administration, also spoke on the issue at a MetLife symposium.