Resource Library

The DC plan system must evolve to meet the needs of this burgeoning demographic. DC plans are no longer just savings vehicles; they also are critical resources for participants who need long-term distribution planning. This paper provides a high-level framework that plan sponsors can use when introducing retirement tier solutions to nearly retired and retired participants to help them manage their assets throughout retirement.

A DCIIA report examining how allowing collective investment trusts (CITs) in 403(b) plans could create opportunities for lower investment costs, improved administrative efficiency, greater investment flexibility, and expanded access to diversified options such as stable value funds, while outlining key considerations for plan sponsors evaluating their implementation.

Personalization can take many forms: digital communications, TDFs, decumulation strategies. This PSI Focus opened the conversation to these three broader topics to discuss data input and impact output considerations.

As record numbers of workers say, “I quit,” more and more people are faced with the question of what to do with their defined contribution (DC) plan account when they leave their employer. Should they take their money out of the DC plan or leave it in? And if you are a plan sponsor, do you want those employees to take their money out or leave it in?

DCIIA members believe that a uniform set of objectives and standards should apply to fiduciary decision-making and that climate-related factors should be treated the same as any other factors that may materially impact an investment’s risk/return analysis.

The RRC collaborated with Commonwealth to study employees' appetite for emergency savings, how to not crowd out other benefits, and how plan sponsors could evaluate in-plan and out-of-plan options.