When Workers Call the Shots: Can They Achieve Retirment Security?

EBRI Policy Forum Proceedings, 1995
ISBN 0-86643-084-9
Paperback, 117 pp.
PDF, 7.6 mg
Employee Benefit Research Institute, © 1995


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Executive Summary

When Workers Call the Shots: Can They Achieve Retirement Security provides a comprehensive overview of the issues surrounding the decision making process involved in participant-directed salary reduction plans, efforts to educate workers for this task, and the public policy implications for savings and retirement income security.

The book discusses the current status of employment-based salary reduction retirement plans; the meaning of today's employment relationship in terms of individual responsibility; demographic and other factors involved in companies' savings educational programs; methods of asset allocation; employer's methods of communicating educational material; the perspective of the Securities and Exchange Commission and the Department of Labor on this issue; and models of current participant education programs.