2019
DC Survey: Plan Benchmarking

Data Sweep: Our latest findings on DC plans—for benchmarking a plan against its peers or just gleaning some new solutions

2019 Survey

Roth Features

Roth provisions continue to rise across all plan sizes. Overall, 77% of 401(k) and 403(b) plans now support Roth contributions, whereby participants enjoy tax-free growth on after-tax deferrals. Adoption is highest among the largest plans, and it now rivals other widely regarded industry best practices—e.g., use of target-date funds (TDFs), investment policy statements (IPSs), etc. The percentage of plans allowing for in-plan Roth conversions also jumped this year, to 46%, marking the first time plans offering, or considering offering, Roth conversions have topped 50%.


Roth Provision Offered

2014
55%
2015
62%
2016
65%
2017
69%
2018
73%
2019
77%

Availability of Roth Provision

All plan sizes
77%
<$5mm
69%
$5mm – $50mm
78%
>$50mm – $200mm
79%
>$200mm
85%

In-Plan Roth Conversion Offered in 2019

  • Yes
  • No, but considering
  • No, not considering