Employers have little incentive to match workers’ contributions to 401(k) plans, and many are, in fact, canceling or reducing company matches. Continue reading »

Alternative investment strategies are offered on only a limited basis in many 401(k) plans, depriving workers of valuable solution strategies. Continue reading »

90% of plan participants are interested in embedded options to provide protected and insured lifetime income. Continue reading »

“Auto-pilot” 401(k) plans work: 90% of auto-enrolled employees have stayed in their plans. But, since “auto-pilot” provisions are optional, many employers have not adopted them. Continue reading »

Employers are concerned about their liability if they offer employees access to advice or guidance. Continue reading »

Some providers inundate participants with useless and irrelevant information. Continue reading »

Some lifecycle funds had excessive allocations to equities and lost heavily in 2008, even for people very near retirement. Continue reading »

Irrational competition among providers of income guarantees could put workers’ security at risk in case of provider failure. Continue reading »