Resource Library

Leveraging data from the Federal Reserve’s 2022 Survey of Consumer Finances, the authors explore how financial literacy varies among different investors.

Infrastructure assets can be integrated into institutional and individual investment portfolios, exploring the practical considerations of allocation, diversification, and return potential within the context of defined contribution plans.

Despite growing interest in retirement income among industry stakeholders, many employers are still in the early stages of understanding what it would take to bring in-plan income options into the DC plan. The RRC wanted to not only explore whether plan sponsors were evaluating retirement income, but how they were thinking about it—strategically, operationally, and culturally.

There are many factors that influence when and how individuals should claim Social Security benefits. This paper examines the trade-offs between early and delayed claiming strategies and the long-term impact on retirement income security.

By the end of this year, an estimated over $809 billion in market gains will be added to the defined contribution system. This powerfully demonstrates how well-structured investment options directly impact participant outcomes. A major driver? The widespread adoption of Target-Date Funds, now representing a remarkable 78% of participants’ balanced portfolios.

Our 2025 Defined Contribution Data Dashboard shows nearly 1,095,149 defined contribution plans will be serving American workers. This isn't just a number; it's a testament to explosive growth in workplace retirement plan adoption, with nearly 100,000 new plans added last year alone.

Plan loans are a unique feature of the defined contribution system, offering participants a way to tap into their retirement savings during times of need while keeping their accounts tax-advantaged. With 90% of employers offering loan provisions, they're a critical tool as consumer debt soars.