Managed Accounts vs. Target-Date Funds: Do Default Decisions Matter?

When it comes to helping increase employee retirement savings, getting employees enrolled in a retirement plan is a great first step. However, is simply participating really enough?

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Engagement

Workers are Worried about their Finances and Employers Can Help

American Workers Are Worried About Their Finances American workers are worried about their personal finances; 45% of the people we recently surveyed said that worrying about personal finances kept them up at night. These respondents…

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Webinar Recording: The Science of Habits with Nir Eyal

In an age of ever-increasing distractions, habits are important for making businesses, workplaces, and benefit programs successful. Think of the products and technologies that you use everyday – what characteristics keep you coming back for…

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Retirement

3 Tips for Updating the Retirement Investment Menu

Today, many defined contribution plan sponsors take a “less is more” approach to core menu design out of fear that employees would either invest inappropriately or not invest at all if faced with too many…

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Should Vocation and Location Impact Retirement Solutions?

Whether your participants are web developers in California or cattle ranchers in Wyoming, vocation and location should have an impact on the design retirement solutions. Employers should consider more than stocks and bonds when developing…

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Healthcare

Are Employees Maxing Out Their HSAs?

High deductible health plans offer low monthly premiums in exchange for higher cost sharing and higher out-of-pocket maximums. Deductibles vary plan by plan, but the statutory minima can be shockingly high before coinsurance kicks in–…

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Do Employer Contributions Lead To Employee Contributions in Health Savings Accounts?

In my first post based on our new paper, Health Savers – The Consumer Finances of Health Savings Accounts, I discussed whether or not health savings account holders invest their balances. In this post I…

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