Encouraging Participation In 401(K) Plans: Reconsidering The Employer Match
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Description
Please refer to the section BELOW (and NOT ABOVE ) this line for the product details - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - - Title: Encouraging Participation In 401(K) Plans: Reconsidering The Employer Match ISBN13: 9781503332942 ISBN10: 1503332942 Author: U. S. Department of Labor (Author) Description: (This is a RePrint) - This Book Offers New Evidence On The Effects Of Plan Provisions On 401(K) Participation Rates, Exploiting Microdata From The National Compensation Survey, A Large, Nationally Representative, Establishment Dataset In Particular, It Closely Considers The Observed Effects Of The Matching Contributions Made By Employers To Plan Accounts, And Makes Direct Comparisons Between These Effects And Those Of Other Plan Provisions Thought To Affect Participation: The Availability Of Participant Control Over Plan Investment Allocations; The Option Of Drawing Loans From Plan Accounts; And, Especially, The Institution Of Automatic Enrollment In Plans The Study First Places These Effects Within A Broadly Sketched Theoretical Model In Which Plan Participation And The Match Rate Are Jointly Determined This Model Puts Results From The Previous Literature Into Context And Helps Define The Treatment Effects That Different Parties May Find Of Interest It Then Addresses The Potential Endogeneity Affecting Measurement Of These Treatment Effects By Employing Several Different Techniques: Adding Previously Unused Controls; Distinguishing Between Different Dimensions Of The Match; And Employing Instrumental Variables The Results Of This Analysis Indicate That The Effects Of Plan Provisions Vary Dramatically Between Different Income Groups The Results Among Workers In The Lowest Income Group Comport With A Growing Consensus In The Literature: Employer Matches Have Little Or No Effect On Participation, While Automatic Enrollment Has Dramatic Effects But Among Workers In The Middle Income Group, Employer Matches Have Substantial Effects That May Be Larger Than The Effects Of Automatic Enrollment Binding: Paperback, Paperback Publisher: Createspace Independent Publishing Platform Publication Date: 2014-11-22 Weight: 0.29 lbs Dimensions: 0.1'' H x 11.02'' L x 8.5'' W Number of Pages: 46 Language: English
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