Wednesday, December 4th, 2024 A topical newsletter from PLANSPONSOR Retirement Preparedness Information and news for plan sponsors on issues impacting participant retirement preparedness. SPONSORED AD Benefits Behind the 401(k) Match: Why Employers Offer It and How to Best Design It Implementing an effective employer contribution strategy requires plan sponsors to consider timing, costs and the workforce’s specific financial needs. Data and Research Student Loan Debt Can Constrain Workers Even Into Retirement Currently, 8.8 million borrowers are nearing or in retirement and owe $380 billion in student loan debt. Opinions Securing Retirement: 2025 Trends in DC Retirement Income Solutions The IRIC’s executive director shares expectations for what to expect from defined contribution plans next year. Benefits Are Auto Features Falling Short of Expectations? A new academic paper found that automatic features, while a net positive, are not producing the long-term wealth formation some experts had expected. Data and Research Plan Design, Flexibility Outpace Employer Contributions Among Plan Sponsors’ Priorities Only 12% of employers in a recent Willis Towers Watson survey reported looking to increase their contributions to defined contribution plans over the next two years. Data and Research Are 401(k) Loans Detrimental to Retirement Savings Behavior? A new paper using Vanguard data suggests that many participants maintain their contribution rates while paying off 401(k) loans. Did someone forward you this newsletter? Sign up here to get PLANSPONSOR Spotlight directly in your mailbox!

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