Florida State TT championship last year. Juniors 17-18 winner 29:49 for a 20k. Masters 55-64 winner 55:45 for a 40k. Masters 45-54, 51:35, Masters 35-44 51:04. The Masters top ten finishers in each age group were dramatically faster than the 18 year olds. The Masters 55 winner would have placed in every category, except the 1-2. The Masters 45 winner would have taken second in the Cat 3 race, (and only because the guy that won the Cat 3 should be a 2). Discount the old farts at your peril.
Personally I road an even hour, (ok 01:00:41) and wasn't close to top ten in the Master 45.
http://floridacycling.com/USCF/DataA...asp?RaceID=153