The present Social Security program has been shown to be financially unsustainable in the future without modification to the current program. The purpose of this paper, the Employee Benefit Research Institute's fourth in a series on Social Security reform, is threefold: to illustrate new...

Over the past two decades, 401(k) plans have grown to be the most widespread private-sector employer-sponsored retirement plan in the United States, and now serve as the most popular defined contribution (DC) plan, representing the largest number of participants and assets. In 2006, 50 million...

This paper presents findings from the 2007 Minority Retirement Confidence Survey (MRCS), a survey that gauges the views and attitudes of working-age African-Americans and Hispanics, their preparations for retirement, their confidence with regard to various aspects of retirement, and related...

This paper presents key findings from the 17th 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...

This paper reports findings from the 16th annual Retirement Confidence Survey (RCS), which suggest that many American workers are not ready to undertake the task of financial planning for their retirement and face the prospect of having to work far longer than they expect. The RCS finds that...

This report analyzes data from the Federal Reserve Board's triennial Survey of Consumer Finances (SCF), which provides the most comprehensive data available on the wealth of American households. The most recent SCF data are for 1998, and this report tracks information from the 1992, 1995, and...

Over the past two decades, 401(k) plans have grown to be the most widespread private-sector employer-sponsored retirement plan in the United States, and now serve as the most popular defined contribution (DC) plan, representing the largest number of participants and assets. In 2007, 48.5 million...