An Evaluation of the Adequacy and Structure of Current U.S. Voluntary Retirement Plans, with Special Emphasis on 401(K) Plans

VanDerhei, Jack

doi:10.2139/ssrn.1474865

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An Evaluation of the Adequacy and Structure of Current U.S. Voluntary Retirement Plans, with Special Emphasis on 401(K) Plans

45 Pages Posted: 18 Sep 2009 Last revised: 24 Sep 2009

See all articles by Jack VanDerhei

Jack VanDerhei

Morningstar Center for Retirement and Policy Studies

Date Written: September 17, 2009

Abstract

This paper reviews the results of many empirical and simulation studies EBRI has undertaken to determine whether future cohorts of retirees in the US are likely to have retirement income adequacy and the extent to which the voluntary retirement system is contributing to this objective in its current form as well as possible modifications that may increase its efficiency.

Keywords: 401(k) plans, retirement income adequacy

JEL Classification: D31, G11, J26

Suggested Citation: Suggested Citation

VanDerhei, Jack, An Evaluation of the Adequacy and Structure of Current U.S. Voluntary Retirement Plans, with Special Emphasis on 401(K) Plans (September 17, 2009). Available at SSRN: https://ssrn.com/abstract=1474865 or http://dx.doi.org/10.2139/ssrn.1474865