Over $702 billion in rollovers is estimated to leave the defined contribution system by the end of this year, primarily flowing into IRAs where assets can sit, either uninvested or underperforming for participants.

Job changes are a fact of modern careers, but what’s the direct impact on retirement savings? With workers changing jobs over 12 times and spending more years in the workforce, consolidating workplace assets essential for retirement. While we project nearly $84.4 billion will be rolled into active defined contribution plans by year-end 2025, the fact emains: only about 1 in 10 participants who start the rollover process actually complete it. This systemic friction costs us all.

By the end of 2025, our Defined Contribution Data Dashboard shows over 144,244,194 participants will contribute into their workplace retirement savings plans. This is incredibly positive given the vital role workplace retirement savings represent for household wealth. Over the past 15 years, private sector worker participation has surged by almost 40%, driven by expanded access and innovative plan design features, particularly auto-enrollment. What’s the opportunity ahead to unlock further participation?

The companion presentation deck to the foundational CIT guide, designed for use in educational sessions or client-facing conversations. It translates core CIT concepts into a visual, slide-based format suitable for a range of audiences.

The ABCs of CITs: A Foundational Guide presents a comprehensive overview of Collective Investment Trusts (CITs) covering their history, structure, benefits, differences from mutual funds, and increasing role in defined contribution (DC) retirement plans.

A written foundational resource covering the essentials of Collective Investment Trusts, including how they work, how they differ from mutual funds, and why they matter for DC plan lineups. It is intended as a reference document for those building or refreshing their CIT knowledge.

A one-page DCIIA survey summary outlining key provisions of the SECURE 2.0 legislation that plan sponsors are most interested in, including Roth contribution changes, student loan matching, emergency distributions, portability, and expanded retirement income options, along with their effective dates and categories.