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older female employee on video meeting surrounded by coworkers' photos (Photo: Shutterstock)

Employers may need to revisit their defined contribution plans if they hope to assist employees in avoiding financial hardship in retirement. That’s because the retirement savings balances of pre-retirees were “below optimal levels” even before the onset of the COVID-19 pandemic, according to “America’s Workers Need a Next Generation DC Plan More Than Ever,” a new white paper released by Prudential earlier this week.

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