The Employee Benefit Research Institute (EBRI) and the Investment Company Institute (ICI) have been collaborating for the past three years to collect data on participants in 401(k) plans. This effort, known as the EBRI/ICI Participant-Directed Retirement Plan Data Collection Project, has...

The Employee Benefit Research Institute (EBRI) and the Investment Company Institute (ICI) have been collaborating for the past four years to collect data on participants in 401(k) plans. This effort, known as the EBRI/ICI Participant-Directed Retirement Plan Data Collection Project, has obtained...

This Issue Brief examines asset allocation, account balance, and loan activity of a large and representative group of 401(k) plan participants as of year-end 2000, using data gathered by the Employee Benefit Research Institute (EBRI) and the Investment Company Institute (ICI) in their...

This EBRI Notes article examines the amount of savings Medicare beneficiaries are projected to need to cover program premiums, deductibles, and certain other health expenses in retirement. More specifically, for the purposes of this study, the health expenses for which savings are accumulated...

In December 2010, the National Commission on Fiscal Responsibility and Reform released their long-awaited document on federal debt reduction, “The Moment of Truth.” Although their guiding principles and values (pages 13-14) specifically mention the need to keep America sound over the long...

In recent years proposals have surfaced to reform the 401(k) system based on the assumption that higher-income individuals receive more tax-related benefits from these programs than do individuals in lower marginal tax brackets (as well as those who may pay no federal income taxes in a...

The analysis in this paper was designed to answer two questions: (1) What percentage of U.S. households became at risk of insufficient retirement income as a result of the financial market and real estate crisis in 2008 and 2009?; (2) Of those who are at risk, what additional savings do they...

This paper presents key findings from the 21st annual Retirement Confidence Survey (RCS), a survey that gauges the views and attitudes of working-age and retired Americans regarding retirement, their preparations for retirement, their confidence with regard to various aspects of retirement, and...