This paper introduces a new method of analyzing the results from the EBRI Retirement Security Projection Model (RSPM®). Instead of simply computing an overall percentage of the simulated life-paths in a particular cohort that will not have sufficient retirement income to pay for the simulated...

Will Americans have enough to live on in retirement? This paper attempts to address that question for the Baby Boomer and Gen Xer generations. While it is widely accepted that employment-based retirement plans have played a significant role in providing retirement income to American workers,...

According to EBRI estimates, the percentage of private-sector workers participating in an employment-based defined benefit plan decreased from 38 percent in 1979 to 15 percent in 2008. Although much of this decrease took place by 1997, there have been a number of recent developments that have...

This report simulates the potential impact on retirement income adequacy of five different proposals. It finds that the combination of Automatic Contribution Plan/Arrangement (ACPA) provisions and enhanced Saver’s Credit are projected to have a material impact on reducing retirement savings...