Most employers offer a defined benefit plan, where they select one or two health insurance options to offer their employees. This approach is being replaced by defined contribution plans. The shift is ...

Few people refer to their 401(k) as a “defined contribution plan.” In fact, many people appear to perceive a 401(k) or for that matter a 403(b) plan as an “investment plan.” Many employers view their ...

Many commentators – ourselves included – assert that people are saving less for retirement as a result of the shift from defined benefit to defined contribution plans. To support such an assertion, it ...

Annual additions include employee contributions, employer contributions, and forfeitures. The annual additions to a participant's account (or all such accounts aggregated, if the employer has more ...

A defined benefit plan is funded and managed by an employer. A defined contribution plan is managed and funded by employees and boosted by employer contributions. Many or all of the products on this ...

On August 7, 2025, the Trump Administration issued a long-awaited executive order (the “Executive Order”) to encourage sponsors of 401(k) and other participant-directed defined-contribution plans that ...

A Trump Administration Executive Order on investments in private equity, real estate, and digital assets in defined contribution plans President Trump has issued an Executive Order ("Order") to enable ...

Key Takeaways Only 14% of participants max out their defined contribution retirement plans (such as 401(k)s), a Vanguard study shows.High-income earners are more likely to max out their 401(k)s, but ...

Should defined-contribution plans offer exposure to private equity? Some investment advisors are now adding the asset class to the target-date strategies offered in their defined-contribution ...

A growing body of research suggests companies that are diverse--with employees and leaders that represent diversity across genders, races, ethnicities, religions, ages, sexual orientations, and ...

Using the new model, Morningstar’s Center for Retirement & Policy Studies found that managed accounts can boost median projected retirement outcomes across all participant groupings studied CHICAGO, ...

When an employer wants to provide additional benefits to executives, but does not want to provide these same benefits to rank-and-file employees, the employer must set up a non-qualified plan for the ...