Content

What Does Consistent Participation in 401(k) Plans Generate? Changes in 401(k) Plan Account Balances, 2010–2015

This Issue Brief provides an annual update of a longitudinal analysis of 401(k) plan participants drawn from the EBRI/ICI 401(k) database—the largest participant-level database of its kind, with about 26.1 million 401(k) participants at year-end 2015. The average 401(k) plan account balance for consistent participants rose each year from 2010 through year-end 2015. Overall, the average account balance increased at a compound annual average growth rate of 13.9 percent from 2010 to 2015, to $143,436 at year-end 2015. The median 401(k) plan account balance for consistent participants increased at a compound annual average growth rate of 17.9 percent over the period, to $66,412 at year-end 2015. EBRI Issue Brief Oct 24, 2017 24 pages

401(k) Employee Contributions Above $2,400, A Possible Rothification Threshold

EBRI Press Release Oct 23, 2017 4 pages

Full Content

Health Savings Account Balances, Contributions, Distributions, and Other Vital Statistics, 2016: Statistics from the EBRI HSA Database

The vast majority of health savings account (HSA) owners rolled over money at the end of last year, retaining HSA funds to cover future health expenses, according to new findings by EBRI. EBRI Issue Brief Sept. 19, 2017 32 pages

Most HSAs Rolled Over Money at the End of 2016
EBRI Press Release Sept. 19, 2017 Full Content

Most HSAs Rolled Over Money at the End of 2016

EBRI Press Release Sept. 19, 2017

Full Content

Employee Tenure Trends, 1983–2016

The typical American worker stayed at their job just over five years last year, down slightly from the record high since 1983 set in 2014, according to new research by EBRI. EBRI Notes Sep 20, 2017 15 pages

U.S. Job Tenure Ticks Down to 5.1 Years
EBRI Press Release Sept. 20, 2017 Full Content

U.S. Job Tenure Ticks Down to 5.1 Years

EBRI Press Release Sept. 20, 2017

Full Content

Overall Withdrawal Levels From IRAs Are Driven by the Minimum Distribution Rules

EBRI Press Release Sept. 11, 2017

Full Content

2015 Update of the EBRI IRA Database: IRA Balances, Contributions, Rollovers, Withdrawals, and Asset Allocation

EBRI Issue Brief Sept. 12, 2017 44 pages

After Years of Erosion, Mid-size and Some Small Employers Added Health Coverage in 2016

Despite predictions the Affordable Health Care Act (ACA) would cause private-sector employers to stop offering health coverage to their workers, the national “offer rate” is ticking up—possibly because of a healthy economy and low unemployment rates, according to new research by EBRI. EBRI Notes Aug 31, 2017 12 pages

After Years of Erosion, Mid-size and Some Small Employers Added Health Coverage in 2016
EBRI Press Release August 31, 2017 Full Content

After Years of Erosion, Mid-size and Some Small Employers Added Health Coverage in 2016

EBRI Press Release August 31, 2017

Full Content

401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2015

The asset allocations of 401(k) retirement plan savers in their 20s at the end of 2015 differed significantly from the allocations of 401(k) participants in their 20s in the mid-1990s, according to the Employee Benefit Research Institute (EBRI) and the Investment Company Institute (ICI). EBRI Press Release August 2017

New Comparison Across Two Generations of 401(k) Savers in Their 20s Shows Contrast in Asset Allocations

EBRI Press Release Aug 3, 2017

Full Content

401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2015

The asset allocations of 401(k) retirement plan savers in their 20s at the end of 2015 differed significantly from the allocations of 401(k) participants in their 20s in the mid-1990s, according to the Employee Benefit Research Institute (EBRI) and the Investment Company Institute (ICI). EBRI Issue Brief Aug 3, 2017 60 pages

Premiums the Big Factor in Health Plan Choice

EBRI Press Release July 11, 2017

Full Content

The Impact of Offering Free Coverage on Enrollment Choice and Risk Selection in an HSA-eligible Health Plan

For employers looking to drive more workers to sign up for HSA-eligible health plans, one of the biggest financial incentives they can offer is to reduce or even eliminate the annual premiums, according to new findings by EBRI. EBRI Issue Brief Jul 12, 2017 20 pages

How HSAs are Being Used Over Time

EBRI Press Release July 11, 2017

Trends in Health Savings Account Balances, Contributions, Distributions, and Investments, 2011-2016: Statistics from the EBRI HSA Database

The first-ever analysis of how health savings accounts (HSAs) are being used over time shows that most account owners use them more as specialized checking accounts rather than investment vehicles, according to new research by EBRI. EBRI Issue Brief Jul 11, 2017 24 pages

Reminder: EBRI to Hold July 12 Policy Forum on HSA-Eligible Health Plan Enrollment

EBRI Press Release July 6, 2017

Full Content

Consumer Engagement in Health Care: Findings from the 2016 EBRI/Greenwald & Associates Consumer Engagement in Health Care Survey

So-called “consumer-driven” health plans with high deductibles are continuing to gain market share in the United States, and are having the intended effect of making people more involved in their own health care, according to new findings by EBRI. EBRI Issue Brief May 25, 2017 28 pages

Importance of Individual Account Retirement Plans and Home Equity in Family Total Wealth

Home equity and retirement accounts—401(k)-type plans and IRAs—account for nearly all the assets that many families have to depend on in retirement outside of Social Security and traditional pension plans, according to new research from EBRI. Press release. EBRI Notes May 16, 2017 16 pages