PT44 S4 Q20 Should we accept Intermediate Conclusion?

Chloeeee

Hi everyone,

I'm a bit confused about the answer choice D. #help
Premise 1: Each of the EMP winners from the past 25 years covered by Acme retirement plan
Intermediate Conclusion/Premise 2: the Acme Plan offers the winners a financially secure future
Conclusion:It is probably a good plan for anyone with similar retirement needs.
Stem: most vulnerable to criticism
Correct Answer(D): It takes for granted that some winners of the Economic Merit Prize have deliberately selected the Acme retirement plan, rather than having had it chosen for them by their employers.

I think the Intermediate Conclusion does not really follow the Premise 1. But If we should accept all the premises, then we probably need to accept the Intermediate Conclusion. After accepting it, even if these winners have not actively chosen the plan, anyone with similar needs may still be financially benefitted. How does D points out the vulnerability?
Or, maybe we do not need to accept the Intermediate Conclusion, though it's also a premise?

Chloeeee

Thanks in advance for any thoughts!