Findings from John Hancock's report on plan participant retirement readiness show areas worth monitoring as sponsors and advisors keep up efforts to help savers.

The Bureau of Economic Analysis's initial estimates show a 2% decline over 2019, or about $75.8 billion.

Dental care, routine checkups and screenings, general doctor and specialist visits and immunizations were most commonly delayed.

The settlement, six years in the making, will create "really significant new rules of the road for health systems."

However, the decision to adjust these employee benefit programs is still at the discretion of the employer that sponsors the plan.

In fact, there may even be such a thing as saving too much.

Models suggest a single-payer system could bolster‌ ‌provider‌ ‌revenues‌ ‌for‌ ‌clinical‌ ‌services‌ ‌and‌ ‌eliminate‌ ‌almost‌ ‌all‌ ‌copayments‌ ‌and‌ ‌deductibles.

Unlike millennials, who are confident and willing to take risks, the next generation experiences more depression and insecurity.