The SPWG serves as a central repository for thought leadership related to retirement savings preservation. Many of the key studies and reports are below. 

 

Contact us to suggest papers or studies for inclusion.

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    A Retirement Security Retrospective: 2007 vs 2017

    Transamerica Institute

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    Actionable Insights for Your Mobile Workforce: Portability Solutions Key to Improving Retirement Outcomes

    Retirement Clearinghouse (RCH) and Boston Research Technologies (BRT)

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    An Analysis of Retirement Models to Improve Portability and Coverage

    Center for Retirement Research at Boston College

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    Auto Portability Simulation

    Retirement Clearinghouse (RCH)

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    Borrowing from the Future: 401(k) Plan Loans and Loan Defaults

    National Bureau of Economic Research (NBER)

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    Early Withdrawals from Retirement Accounts During the Great Recession

    Statistics of Income Division, Internal Revenue Service

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    Eliminating Friction and Leaks in America’s Defined Contribution System: Fixing the Systemic Breakdowns That Impact Every Sponsor, Participant and Provider

    Boston Research Technologies (BRT)

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    Focus On . . . Retirement Plan Leakage

    Journal of Pension Benefits

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    How America Saves 2019

    Vanguard

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    Leakage of Participants’ DC Assets: How Loans, Withdrawals, and Cashouts Are Eroding Retirement Income

    AON Hewitt

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    Making the Right Choice the Easiest Choice: Eliminating Friction and Leaks in America’s Defined Contribution System

    Boston Research Technologies (BRT)

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    Plug the Drain: 401(k) Leakage and the Impact on Retirement

    Defined Contribution Institutional Investment Association (DCIIA)

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    Plugging the Leaks in the DC System: Bridging the Gap to a More Secure Retirement

    Fidelity

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    Policy Changes Could Reduce the Long-Term Effects of Leakage on Workers’ Retirement Savings

    Government Accountability Office (GAO)

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    Potential vs. Realized Savings under Automatic Enrollment

    TIAA

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    Reducing Retirement Savings Leakage

    Employee Benefits Research Institute (EBRI)

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    Retirement Savings: Additional Data and Analysis Could Provide Insight into Early Withdrawals

    Government Accountability Office (GAO)

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    The Availability and Utilization of 401(k) Loans

    Harvard Business School (HBS)

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    The Impact of Leakages on 401(k)/IRA Assets

    Center for Retirement Research at Boston College

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    The Mobile Workforce’s Missing Participant Problem

    Retirement Clearinghouse (RCH) and Boston Research Technologies (BRT)

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    The impact of 401(k) cash-outs on retirement income

    Alight Solutions

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    What Do Workers Do with Their Retirement Savings after They Leave Their Employers?

    Alight

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    What Moves the Retirement Readiness Needle: Quantification of Risk and Evaluation of New Proposals

    Employee Benefits Research Institute (EBRI)

©2019 by Savings Preservation Working Group