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Automatic Enrollment, Employer Match Rates and Employee Compensation in 401(K) Plans

Butrica, Barbara A. - 2015

potential to increase employer defined contribution plan costs as previously unenrolled workers receive matching contributions …

Persistent link: https://www.econbiz.de/10013028196

The effect of automatic enrolment on employees working for small employers

Cribb, Jonathan; Emmerson, Carl - 2019

Existing evidence on the effectiveness of automatic enrolment is focused on large employers. We compare pension savings of employees working for small employers who were pseudo-randomly affected by automatic enrolment with those working for small employers who, at the same moment in time, were...

Persistent link: https://www.econbiz.de/10011991751

What happens when employers are obliged to nudge? : automatic enrolment and pension saving in the UK

Cribb, Jonathan; Emmerson, Carl - 2016

This paper studies the first nationwide introduction of automatic enrolment, in which employers in the United Kingdom are obliged to enrol employees into a workplace pension scheme, which employees can then choose to leave if they wish. We exploit the phased rollout of automatic enrolment since...

Persistent link: https://www.econbiz.de/10011562544

The incidence of workplace pensions : evidence from the UK's automatic enrollment mandate

Scarfe, Rachel; Schaefer, Daniel; Sulka, Tomasz - 2024

We examine who bears the costs of mandated workplace pension programs, exploiting the quasi-experimental rollout of automatic enrollment in the UK. Total compensation (take-home pay plus employer contributions) increases, driven by employer contributions, while the amount of take-home pay...

Persistent link: https://www.econbiz.de/10014507878

Pension Risk : Do Employees Care?

Gupta, Vrinda - 2006

The literature shows that different market entities take into account the level of under-funding in the pension accounts while valuating firms. This paper analyses whether employees with a DB pension scheme perceive risk to their expected income in retirement while forming their opinions about...

Persistent link: https://www.econbiz.de/10014055603

Questions of Justice and Law Raised When an Employee Benefits Plan Beneficiary Strangles His Grandmother, the Participant, to Death

Feuer, Albert - 2013

A young man, Christopher Jackson (“Christopher”), strangled to death his grandmother, Rosemarie Little (“Rosemarie”), a beloved Skadden Arps legal secretary and churchgoing woman, who had chosen Christopher to receive part of her death benefits under her employer's 401(k) plan and life...

Persistent link: https://www.econbiz.de/10013071270

Bridging the gap in pension participation : how much can universal tax-deferred pension coverage hope to achieve?

Karamcheva, Nadia S.; Sanzenbacher, Geoffrey - 2013

In light of the declining pension coverage of low-income workers, policy makers have discussed requiring all employers to offer individual retirement accounts, similar to defined contribution plans. How likely to participate are workers who currently do not have access to a pension plan? We...

Persistent link: https://www.econbiz.de/10009777009

Voluntary job separations and traditional versus flexible workplace saving plans : evidence from Canada

Fang, Tony; Messacar, Derek - 2019

This paper provides new insights into the longstanding empirical issue of whether the type of workplace saving plan (a "traditional" registered pension plan or RPP, a "flexible" group registered retirement savings plan or group RRSP, and a "hybrid" arrangement of the two) affects employee...

Persistent link: https://www.econbiz.de/10011997334

Building Guaranteed Retirement Income Into Defined Contribution Plans : Life Cycle Retirement Planning with Income Insurance Products

Perry, Jason; Randazzo, Anthony - 2022

Retirement outcomes would be improved if retirees had access to insurance products that linked guaranteed, inflation-adjusted income to life cycle investment portfolio strategies. Suitable retirement planning for individual, defined contribution plans must concurrently account for trade-offs...

Persistent link: https://www.econbiz.de/10013406188

Deferred Compensation and Gift Exchange : An Experimental Investigation into Multi-Period Labor Markets

Huck, Steffen; Seltzer, Andrew; Wallace, Brian - 2021

-period experiment. In equilibrium, firms will offer deferred compensation: first period productivity is positive and wages are zero …, while third period productivity is zero and wages are positive. The experiment produces strong evidence that deferred … there was a strong effort response to future-period wages. We also find some evidence of gift exchange; worker players …

Persistent link: https://www.econbiz.de/10013319184