Self-Insured: Will small businesses follow the lead of bigger firms and start self-insuring their medical benefits to avoid the costs of the Patient Protection and Affordable Care Act (PPACA)? So far (up to 2013, the latest data available), there is no evidence that they are doing so, according to new research by EBRI. Press release.
Auto-IRAs: If “automatic IRAs” (individual retirement accounts) were made universal, how significant could their impact be for increasing retirement readiness and reducing the national retirement savings deficit? That depends largely on age, the default contribution rate and the opt-out rate (the percentage of eligible employees who choose not to participate), according to new research by EBRI. Press release.