c) Implementing, in El Salvador, the actuarial committee established by the re-reform law with representation of workers and employers, in addition to the government; and d) Complying, in Bolivia, with the constitutional mandate stating that the Public Manager has representation of workers, employers, and the government. 10. Improving Information and Knowledge Surveys show little or no knowledge of the pension system among the insured and the population; also, workers do not choose administrators based on their lower fees and higher capital returns on their investments but based on adver­tising and on salespeople efforts who charge a commission for each affiliate they bring on; to mitigate these problems it is advised to: a) Simplifying the information on the performance of the administrators and the superintendence; as this information is highly technical, it needs to be adapted to the educational level of the majority of the insured; b) Educating the insured and the general population through a pension educa­tion fund or a strategic education plan, and through the insertion of a social security subject in the school curriculum(as in Chile, Mexico, Costa Rica, and the bill draft in Peru, respectively); c) Obliging the AFP to finance pension education programs addressed to all their insured and also offering more information to make a better selection among the multi-funds in seven countries and switches among them; and d) Creating a unit in the superintendencies to assist the insured in their selection of multi-funds, annuities, or scheduled withdrawals, as well as regarding other inquiries. 11. Strengthening Compliance In all private systems, a declining trend was found in the affiliates who con ­tribute, which is due, among other causes, to evasion and payment delays. This and other problems of avoidance and under-declaration of taxable salary were 218