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Workplace Retirement Plans: A solution for the retirement crisis?

There’s little question that workplace retirement savings plans – think 401(k), IRA or any other qualified retirement savings plan – work well and add much to the retirement security of American workers. Indeed, 4 out of 5 workers with access to an employer-sponsored plan participate in it. But not all employers offer their employees this opportunity to save for their future, so a proposal now being floated in the House Ways & Means Committee is to require all employers with more than 10 employees to sponsor a retirement savings plan. The proposal would also make it easier for employers to offer such plans, with a hoped for easing of America’s so-called retirement crisis, which is essentially that too few people save enough for their retirement. In this article by Susan K. Neely appearing at, the author – as CEO of the American Council of Life Insurers – fully endorses the new proposal to require employers to automatically offer a retirement savings plan to employees. Click here to read more.

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