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Retirement savings : how much will workers have when they retire?

Author: Patrick Purcell; Debra B Whitman; Library of Congress. Congressional Research Service.
Publisher: [Washington, D.C.] : Congressional Research Service, Library of Congress, 2007.
Series: CRS report for Congress, RL 33845.
Edition/Format:   eBook : National government publication : EnglishView all editions and formats
Summary:
Over the past 25 years, an important change has occurred in the structure of employer-sponsored retirement plans in the private sector. Although the percentage of the workforce who participate in employer-sponsored retirement plans has remained relatively stable at approximately half of all workers, the type of plan by which most workers are covered has changed from defined benefit (DB) pensions to defined  Read more...
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Details

Material Type: Government publication, National government publication, Internet resource
Document Type: Internet Resource
All Authors / Contributors: Patrick Purcell; Debra B Whitman; Library of Congress. Congressional Research Service.
OCLC Number: 82968094
Notes: Title from title screen (viewed on February 12, 2007).
"January 29, 2007."
Description: 37 pages : digital, PDF file.
Details: Mode of access: World Wide Web from the Open CRS web site.; System requirements: Adobe Acrobat Reader.
Series Title: CRS report for Congress, RL 33845.
Responsibility: Patrick Purcell, Debra B. Whitman.

Abstract:

Over the past 25 years, an important change has occurred in the structure of employer-sponsored retirement plans in the private sector. Although the percentage of the workforce who participate in employer-sponsored retirement plans has remained relatively stable at approximately half of all workers, the type of plan by which most workers are covered has changed from defined benefit (DB) pensions to defined contribution (DC) plans. The responsibilities of managing a DB plan - making contributions, investing the assets, and paying the benefits to retired workers and their survivors - lie mainly with the employer. In a typical DC plan, the worker must decide whether to participate in the plan, how much to contribute, how to invest the contributions, and what to do with the money in the plan when he or she changes jobs or retires. As a result of the shift from DB plans to DC plans, workers today bear more responsibility for preparing for their financial security in retirement.

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