What's New - September 2012

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[9/28/12]  The Segal Group:  2013 Segal Health Plan Cost Trend Survey

[9/28/12]  Kaiser Family Foundation:  Kaiser Health Tracking Poll -- September 2012

[9/28/12]  Center for State & Local Government Excellence:  Issue Brief: The Business Case for Wellness Programs in Public Employee Health Plans

[9/28/12]  Plan Sponsor:  “Employers Considering Exchanges for Retiree Health Care

[9/28/12]  Investment Company Institute:  “Retirement Assets Total $18.5 Trillion in Second Quarter 2012

[9/28/12]  Insured Retirement Institute:  Work and Retirement: Current Workers Expectations vs Retirees Real Experience

[9/27/12]  Aon Hewitt:  2012-2013 U.S. Salary Increase Survey Highlights

[9/27/12]  ICI Research Perspective:  “Who Gets Retirement Plans and Why, 2011

[9/27/12]  AdvisorOne:  “Ownership of 401(k) Plans Rise, While IRAs Fall - Good news and bad in EBRI’s latest retirement participation report

[9/27/12]  U.S. Department of Labor Employee Benefits Security Administration:  164th Meeting of the Advisory Council on Employee Welfare and Pension Benefit Plans; Notice of Meeting [as published in the Federal Register on Sept. 27, 2012]

The 164th open meeting of the Advisory Council will be held on Oct. 30-31, 2012, when the Council will finalize recommendations they will present to the Secretary on the following issues:

  • Current Challenges and Best Practices Concerning Beneficiary Designations in Retirement and Life Insurance Plans
  • Examining Income Replacement During Retirement Years in a Defined Contribution Plan System
  • Managing Disability Risks in an Environment of Individual Responsibility

[9/27/12]  Joint Economic Committee:  The Pending State Pensions Crisis

[9/26/12]  Towers Watson:  The Implications of Funding Relief -- What Does it Mean for Asset Allocation and Liability-Driven Investing?

[9/26/12]  OregonLive.com:  “One way employers can improve our retirement: Raise 401(k) default rate

[9/26/12]  PIMCO DC Dialogue™:  “Dream DC.” [“In this PIMCO DC Dialogue™, we talk with Brad Leak, managing director, public markets, Boeing Corporation, about how Boeing has evolved its defined contribution plan.”]

[9/26/12]  LifeHealthPro:  “EBRI: Consumers still confident about health care

[9/26/12]  Kaiser Family Foundation and the Journal of the American Medical Association (JAMA):  Visualizing Health Policy -- Health Care Costs [“The latest infographic in the Visualizing Health Policy series examines health costs in the United States, including how costs have changed, how they compare to some other countries, and how they impact American families.”]

[9/25/12]  U.S. Bureau of Labor Statistics:  “Employee Benefits in the United States--March 2012” [News Release]

[9/25/12]  Health Care Cost Institute:  2011 Health Care Cost and Utilization Report

[9/25/12]  The Hill:  “Study: Many doubt Medicare’s future

[9/25/12]  The Segal Company’s Capital Checkup:  “90-Day Rule Guidance Affects Multiemployer Plans

[9/25/12]  Urban Institute:  Cross-Cutting Issues: State Progress in Implementing Health Insurance Exchanges: Results from 10 State Analyses

[9/25/12]  Investor’s Business Daily:  “Create Pension-Like Payouts with Annuities

[9/21/12]  The Vanguard Group:  Regulatory Brief: Pension Provisions in MAP-21

[9/21/12]  U.S. Department of Labor Employee Benefits Security Administration:  “Employee Benefits Security Administration announces launch of 401(k) fee disclosure resource website” [News Release]

[9/21/12]  Ameriprise Financial:  New Retirement Mindscape® 2012 City Pulse Index

[9/21/12]  U.S. Senate Committee on Health, Education, Labor, and Pensions:  Hearing on “Roundtable Discussion: Pension Modernization for a 21st Century Workforce” [Hearing held Sept. 20, 2012, includes links to webcast and written testimonies]

[9/21/12]  U.S. News & World Report:  “The 401(k)’s ‘Father’ Wants to Hit Reset - The ‘father’ of the 401(k) says the system could use an overhaul

[9/21/12]  The Huffington Post:  “Higher stock prices help Americans regain wealth

[9/20/12]  U.S. Bureau of Labor Statistics:  “Employee Tenure in 2012” [News Release]

[9/20/12]  BlackRock:  Annual Retirement Survey -- What Retirees Have To Tell Us About the New World of Retirement

[9/20/12]  Senior Housing News:  “Senior Care Costs Push Retirement Age to 80s for Some Seniors

[9/20/12]  Plan Sponsor:  “Employees’ Poor Health Costs Billions

[9/20/12]  Home Channel News:  “The bright side of high-deductible health plans

[9/20/12]  Congressional Budget Office:  Payments of Penalties for Being Uninsured Under the Affordable Care Act

[9/19/12]  Center for Retirement Research at Boston College:  Using Participant Data to Improve 401(k) Asset Allocation

[9/19/12]  Towers Watson Viewpoints:  “Bringing Variable Annuities to the Workforce: The Promise and Pitfalls of In-Plan Annuities

[9/19/12]  Plan Sponsor:  “EBRI App Simplifies Retirement Savings Issues

[9/19/12]  Pentegra Retirement Services:  The Future of Defined Benefit Plans Will Change Dramatically -- For the Better [White Paper]

[9/19/12]  Pensions Policy Institute:  The Pensions Primer: A Guide to the UK Pensions System

[9/18/12]  Aon Hewitt:  “New Aon Hewitt Survey Shows Growing Prevalence of Consumer-Driven Health Plans” [News Release]

[9/18/12]  Investment News:  “Adviser opening: Covering retirees

[9/18/12]  Kaiser Family Foundation:

[9/18/12]  U.S. Department of Labor Employee Benefits Security Administration:  Maximize Your Retirement Savings - Tips on Using the Fee and Investment Information From Your Retirement Plan

[9/18/12]  USA Today:  “Test-drive retirement before taking it on the road

[9/18/12]  Social Security Administration:  OASDI Beneficiaries by State and ZIP Code, 2011

[9/14/12]  Mercer:  “Preview of Mercer’s Health Benefits Survey Finds Cost Will Rise 6.5% in 2013

[9/14/12]  Booz & Company:  “The Emergence of Private Health Insurance Exchanges Fueling the ‘Consumerization’ of Employer-Sponsored Health Insurance

[9/14/12]  Wellness Council of America:  The Power of Coaching to Improve Employee Health, Creativity and Performance -- An Exclusive Expert Interview with Margaret Moore

[9/14/12]  Plan Sponsor:

[9/14/12]  Chicago Tribune:  “It’s always app-ropos to think of retirement

[9/14/12]  Investment Company Institute:  The Tax Benefits and Revenue Costs of Tax Deferral

[9/13/12]  U.S. Census Bureau:  Income, Poverty, and Health Insurance Coverage in the United States: 2011

[9/13/12]  The Commonwealth Fund Blog:  “1.3 Million Fewer People Were Uninsured in 2011: Young Adults Continue to Make Gains in Coverage as a Result of the Affordable Care Act

[9/13/12]  U.S. House Committee on Ways & Means, Subcommittee on Health:  Hearing on “Implementation of Health Insurance Exchanges and Related Provisions” [Hearing held Sept. 12, 2012, includes links to written testimonies]

[9/13/12]  Plan Sponsor:  “Staying on Track: Age-Based Savings Guidelines

[9/13/12]  The Los Angeles Times:  “Gov. Jerry Brown signs bill to trim public pension costs

[9/13/12]  The New York Times:  “Should the 401(k) Be Reformed or Replaced?

[9/12/12]  U.S. Department of Labor:  “Employer Costs for Employee Compensation--June 2012” [News Release]

[9/12/12]  Kaiser Family Foundation:

[9/12/12]  Institutional Retirement Income Council:  Quantifying Key Risks in Retirement

[9/12/12]  The New York Times:  “Working Until 70 May Not Solve Savings Shortfall

[9/12/12]  National Center for Policy Analysis:  Policy Report No. 341: How Are Baby Boomers Spending Their Money?

[9/11/12]  Plan Sponsor:

[9/11/12]  Milliman 100 Pension Funding Index:  “Milliman analysis: Rising rates reduce pension deficit by $34 billion -- Discount rate remains below 4% but still drives improvement in August after four consecutive months of declines

[9/11/12]  Goldman Sachs:  Halftime Highlights: Corporate Pension Plans Face Ongoing Stresses [White Paper]

[9/11/12]  U.S. Securities & Exchange Commission:  Study Regarding Financial Literacy Among Investors -- As Required by Section 917 of the Dodd-Frank Wall Street Reform and Consumer Protection Act

[9/10/12]  Guardian Life Insurance Company of America:  Spotlight on the Benefits of an Employee-Centric Enrollment Experience: Helping employees make the most out of their benefits options through a personalized, easy and convenient enrollment process

[9/10/12]  Benefits Quarterly (via Callan Associates):  “The Long-Term Impact of Fees on DC Participant Balances

[9/10/12]  Towers Watson:  The Impossibility of Pensions: Can society support a retired population in the style to which it aspires?

[9/10/12]  Sacramento Bee:  “Stockton bankruptcy case could test security of public pensions

[9/7/12]  Urban Institute:  Deteriorating Health Insurance Coverage from 2000 to 2010: Coverage Takes the Biggest Hit in the South and Midwest

[9/7/12]  WorldatWork:  “Satisfaction Levels Rising for CDHPs, Slipping for Traditional Plans

[9/7/12]  Plan Sponsor:

[9/7/12]  Fox Business:  “Are Your Savings Ready to Retire, Too?

[9/7/12]  CBS News:  “Do you need to delay retirement to age 70…or 84?

[9/7/12]  Center for Retirement Research at Boston College:  The Pension Coverage Problem in the Private Sector

[9/6/12]  Deloitte:  A View of the U.S. Health Care System

[9/6/12]  Kansas City Star:  “’Lifers’ show a loyalty that is now rare in workplaces

[9/6/12]  The Huffington Post:  “Long-Term Unemployment: A National Crisis for Older Workers

[9/6/12]  ING Retirement Research Institute:  Retirement Across the Ages: An ING Retirement Revealed Report

[9/6/12]  PNC:  Perspectives of Retirement Survey: Lessons from Successful Savers

[9/6/12]  TheStreet.com:  “Ready to Retire at 70 -- Or 84?

[9/5/12]  Internal Revenue Service:  Determining Full-Time Employees for Purposes of Shared Responsibility for Employers Regarding Health Coverage (§ 4980H) [Notice 2012-58]

[9/5/12]  U.S. Department of Labor Employee Benefits Security Administration:  Guidance on 90-Day Waiting Period Limitation under Public Health Service Act § 2708 [Technical Release No. 2012-02]

[9/5/12]  Workforce Week:  “Health Care: A Real Fixer-Upper

[9/5/12]  HR 360, Inc.:  HSA / FSA / HRA – Comparison of Key Features for 2012 and 2013

[9/5/12]  National Association of State Retirement Administrators:  NASRA Issue Brief: State and Local Government Spending on Public Employee Retirement Systems [Updated August 2012]

[9/5/12]  The Wall Street Journal:  “Making Your Retirement Assets Last

[9/4/12]  USA Today:  “6 challenges affecting the American worker

[9/4/12]  Plan Sponsor:

[9/4/12]  The Plain Dealer:  “You may not be able to retire until you’re 70 - if then (poll)

[9/4/12]  Kaiser Health News:  “Research Roundup: Readmission Risks after Surgery; Assessing Medicaid Applicants’ Eligibility; Satisfaction among Health Plan Types

[9/4/12]  Council for Disability Awareness:  The 2012 Council for Disability Awareness Long-Term Disability Claims Review

[9/4/12]  State Budget Solutions:  “State Budget Solutions’ third annual State Debt Report shows total state debt over $4 trillion


What's new at EBRI this month:

EBRI 2012 Spring Policy Forum:  “’After’ Math: The Impact and Influence of Incentives on Benefit Policy” [“gavel to gavel” webcast - Prerecorded broadcast available through the International Foundation of Employee Benefit Plans]

EBRI 2011 Fall Policy Forum: “Innovations in Employment-Based Health Benefits: Lessons Learned for Public Policy” [“gavel to gavel” webcast - Prerecorded broadcast available through the International Foundation of Employee Benefit Plans]

EBRI's Recent Media Coverage

“EBRI Now on Twitter” [EBRI Press Release, 2/6/09]

401(k) Balances and Changes Due to Market Volatility


September 2012 EBRI Issue Brief - "Sources of Health Insurance and Characteristics of the Uninsured: Analysis of the March 2012 Current Population Survey"

September 2012 EBRI Issue Brief - "Individual Account Retirement Plans: An Analysis of the 2010 Survey of Consumer Finances"

September 2012 EBRI Notes"2012 Health Confidence Survey: Americans Remain Confident About Health Care, Concerned About Costs, Following Supreme Court Decision" and "Increasing Default Deferral Rates in Automatic Enrollment 401(k) Plans: The Impact on Retirement Savings Success in Plans with Automatic Escalation"


What's new in employee benefits:

  • HR News Online -- a daily update from the Society for Human Resource Management

The following items have been added to the Government Accountability Office's Web site in Portable Document (PDF) format:

Patient Protection and Affordable Care Act: Estimates of the Effect on the Prevalence of Employer-Sponsored Health Coverage. GAO-12-768, July 13. Highlights.

Retirement Security: Women Still Face Challenges. GAO-12-699, July 19. Highlights.

Financial Literacy: Overlap of Programs Suggests There May Be Opportunities for Consolidation. GAO-12-588, July 23. Highlights.

Retirement Security: Older Women Remain at Risk, by Barbara D. Bovbjerg, managing director, education, workforce, and income security, before the Senate Special Committee on Aging. GAO-12-825T, July 25.

Delphi Bankruptcy: Termination of Delphi Pension Plans, by A. Nicole Clowers, director, financial markets and community investment issues, before the Subcommittee on TARP, Financial Services and Bailouts of Public and Private Programs, House Committee on Oversight and Government Reform. GAO-12-909T, July 10. Highlights.


If a title link above no longer works, click here for the GAO home page and search for the report by keyword or report number. Click here to browse by date,  topic, or agency.   Searches for reports can also be conducted in the Government Accountability Office (GAO) Reports Online via GPO Access database.

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Updated 9/28/12