man holding card with IRA on it (Photo: Shutterstock)

Your employee benefits package does not include a savings plan for plan members. They want one, and you want them to have one, too, since that’s how most U.S. workers put aside money for retirement.

You happen to be in a state – say, California, Oregon, or Indiana – where the government has created a free employee retirement plan: a state-facilitated individual retirement account with automatic enrollment known as an auto-IRA. Would you offer the state plan to your members? Or would you be more likely to offer them a new private market fund?

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