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How Persistent Low Returns Will Shape Saving and Retirement$
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Olivia S. Mitchell, Robert Clark, and Raimond Maurer

Print publication date: 2018

Print ISBN-13: 9780198827443

Published to Oxford Scholarship Online: October 2018

DOI: 10.1093/oso/9780198827443.001.0001

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State-sponsored Retirement Savings Plans

State-sponsored Retirement Savings Plans

New Approaches to Boost Retirement Plan Coverage

Chapter:
(p.173) Chapter 11 State-sponsored Retirement Savings Plans
Source:
How Persistent Low Returns Will Shape Saving and Retirement
Author(s):

William G. Gale

David C. John

Publisher:
Oxford University Press
DOI:10.1093/oso/9780198827443.003.0011

Our chapter evaluates models and features used in emerging state-sponsored retirement saving plans such as Auto IRAs, open multiple employer plans, and marketplaces. These, we show, have enormous potential to raise the number of Americans with access to payroll-deduction retirement saving plans. Plans that can most enhance coverage rates will feature two characteristics: required provision of retirement saving plans by firms, and automatic enrollment of eligible workers. Yet under current legal and regulatory conditions, the Secure Choice option is the only model that enables states to require that employers provide a plan.

Keywords:   Secure Choice, Auto IRA, multiple employer plan, marketplace, automatic enrollment

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