Again, 1% of the total of their SS. And what is amazing is that over a 40 year work cycle it would ensure they had a way better return than SS by itself. And you didn't "have" to do it. If you are afraid of the market, even such options as they would let you choose (which would have been very safe investments), then don't. Just take your SS and move on with your life. Stop trying to fit my life into your mold.
Where is this 1% of the total of their SS coming from? Paul Ryan's plan allowed people to contribute the entirety of their share of SS taxes to private accounts and the investments weren't necessarily safe. I already corrected you once on this.
And one of the major problem with Ryan's plan was that it required huge transfers from the general fund over to Social Security to make up for the lost revenue coming in to Social Security. That would require lots of borrowing (or tax increases) which impact everyone. So it's not like private accounts don't impact people that elect to stay in SS.