Plan sponsors can educate workers about how to do roll-ins or rollovers, rather than cashing out. (Photo: Getty)

The discussion at a May forum on ways to reduce retirement plan leakage has been published by the Employee Benefit Research Institute.

Leakage, defined as preretirement reductions in plan savings by workers, either through loans, hardship withdrawals, or payouts at job change, is a big problem in a country whose workforce is already singularly poorly prepared to pay its way through retirement.

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