The Enron situation has caused the retirement income policy community to focus increased attention on the desirability of current law and practices regarding company stock in 401(k) plans. Several proposals have been advanced to limit the exposure of 401(k) participants to company stock. I...

Proposals have been suggested recently that would attempt to transfer part or all of the investment risk inherent in defined contribution plans from the employee to another entity. Although the party initially exposed to said risk varies among the proposals, the likely targets would be the...

The Enron situation has caused the retirement income policy community to focus increased attention on the desirability of current law and practices regarding company stock in 401(k) plans. Several proposals have been advanced to limit the exposure of 401(k) participants to company stock. I...

The Pension Protection Act (PPA) of 2006 allows employers to automatically enroll workers in the company's 401(k) plan and to automatically increase a worker's 401(k) contribution to coincide with a raise or a work anniversary -- though the employee can decline both enrollment and the increase....

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...

This paper shows cost, benefit, national saving, and growth projections under five options for reforming the Old-Age and Survivors Insurance (OASI) program. Of these, two are partially privatized (quot;two-tieredquot;) options with individual account contributions equal to 5 percent of taxable...

This paper provides a framework for evaluating and comparing Social Security policies by delineating 11 broad areas of consideration and highlighting some of the relevant questions within these areas. This framework is not a comprehensive list of all considerations but is intended to provide a...

In January 2002, CEBS graduates were surveyed in an attempt to provide a context to the current debate on company stock in retirement plans. The survey found CEBS graduates fairly united in certain responses, providing insights about the role of company stock in retirement plans. CEBS graduates...

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...