LIMRA Life Insurance Research
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Deb Dupont 7/18/2017
The Department of Labor estimates that 38 percent of private sector workers do not have access to a Defined Contribution (DC) plan. Making worksite savings available to more workers is a critical first step in helping resolve the issue of how workers invest and save for retirement via the workplace. Lack of access is especially pronounced among employees of smaller companies, and can be complicated by questions of full- or part-time working status, or tenure with a given employer. The Federal government and more than half of the states have turned their attention to the lack of DC programs in so many workplaces, with proposals, studies and legislation various stages to enable workplace savings.
In 2016, the LIMRA Secure Retirement Institute conducted two surveys – one of workers and another of employers who currently sponsor DC plans. Each initiative included a battery of questions designed to better understand the two stakeholders who are most directly affected by these efforts at the state levels.
A new mantra for the retirement industry seems to be taking hold: driving successful retirement outcomes for plan participants.
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