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August 8th, 2023 Information & Insights for the 403(b) Community Government Workers Leaving Jobs Face Setbacks When Saving for Retirement The majority of state retirement systems do not provide adequate retirement savings to departing employees, according to data from the Pew Charitable Trusts. Retirement Savings Gap Widens Further Between High, Low-Income Employees High-income households increasingly hold larger retirement account balances than lower income households and are more likely to reap tax perks associated with workplace plans, GAO research shows. Ask the Experts How Do Maximum Elective Deferrals Work in a 403(b)/457(b) Combination? I read with great interest your Ask the Experts column on maximum elective deferrals to a 403(b)/457(b) combo. I’m a little confused as to how so much money can be deferred—wouldn’t the 415 limit come into play? And does the issue of whether the deferrals are Roth or not impact your calculations? Serving Growth-Asset Needs of Older Participants, Retirees Incorporating alternative assets into a defined contribution investment lineup is an opportunity to reflect older participants’ desire for growth, experts say. 2023 Recordkeeping Survey Find data from the 39 recordkeepers of defined contribution plans that participated in the survey, providing information as of December 31, 2022.  Did someone forward you this newsletter? Sign up here to get (b)lines directly in your mailbox! Unsubscribe | Manage Subscriptions | Contact Us Copyright ©2025 Asset International, Inc. All rights reserved. No reproduction without prior authorization. Modern Slavery Statement 2022 | Do Not Sell My Personal Information | Privacy (including cookies), Social Media & Legal 702 King Farm Boulevard, Suite 300, Rockville, MD 20850