Research

Many common plan design formulas, including safe harbor designs, disproportionately benefit higher-income employees, which is why thoughtful plan design can improve outcomes, according to a new survey.

Workers are feeling more optimistic about their retirement prospects and more confident they can achieve their retirement goals, according to a new Charles Schwab study.

Many employees (67%) believe their employer has a responsibility to help with financial planning because "if that's where my nest egg is, that's where my financial planning should come from," according to a recent EBRI webinar.

The DOL's push to impose a new fiduciary rule, which continues to face lawsuits, could actually offer financial benefits overall for small employer 401(k) plans, says a new Employee Fiduciary study.

One key finding: 401(k) plan participants saved at historic rates in 2023, with the average participant deferral rate reaching a record-high 7.4%.

The cost of stop-loss coverage rose across the board, with increases highest for employers with high deductibles.

Nearly two in five (37%) of Americans can't afford an unexpected expense over $400, and almost a quarter (21%) have no emergency savings at all, according to a new Empower survey.

Financial wellness programs are a vital part of the overall retirement discussion because financial stress has long-term implications for employees and employers, according to a panel of retirement industry experts.