There’s bad news in J.P. Morgan’s report — but don’t blame everything on participants. (Photo: Shutterstock)

Participants in defined contribution plans aren’t handling those plans well enough to see them through retirement.

That’s according to the latest installment of the Ready! Fire! Aim? research series from J.P. Morgan Asset Management, which finds that, continuing a decade-long trend, participants are failing to save enough, taking loans from their plans and withdrawing large amounts from the plan shortly after retiring.

There’s good news and bad news in the report, with auto-enrollment succeeding at expanding participant engagement being good news.

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