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Workers’ likelihood of a financially viable retirement would, not surprisingly, be significantly improved by setting a higher starting point for 401(k) contributions, new research from the Employee Benefit Research Institute shows.
The Pension Protection Act of 2006 and most private sector employers recommend an automatic enrollment level for 401(k) plans at 3% of pay, but many financial experts say this level is far too low to generate assets for a comfortable retirement.
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A wide range of employers are expressing a greater desire to measure risk, achieve more predictable retirement benefit costs, and retain top talent.
As employees decide whether to stay with their employer, support tied to student loan debt and education benefits is becoming a clear differentiator.
Cash-balance plans lead the way in groundswell of support for offering a more meaningful approach to generating retirement income for cash-strapped workers.
Even high-income employees are uncertain about where to put their next dollar, highlighting the need for workplace guidance on financial wellness.
Some ultrahigh net worth clients would be affected by a change to retirement plan contribution and distribution rules that's under consideration in Congress.
