State Retirement Savings Resource Center


About This Resource Center


About 55 million private sector employees in the US have no access to retirement savings plans at work. In response, many states are considering sponsoring plans that would offer simple ways for many workers to improve their retirement security. This resource center provides practical policy information to facilitate the establishment of state plans. It features policy papers from many sources about structuring state-sponsored plans, improving savings, implementing automatic features, and other issues, as well as facts on retirement savings.


The Savings Gap: Facts

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Nearly half of the American workforce does not have the option to save for retirement at work. Without a pension, their only sources of income in retirement are personal savings and Social Security benefits, which tend to fall far short of what is needed to be financially secure.


Savings Plans

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Some 30 states are considering retirement savings plans for small business employees, and seven states are already implementing them. Learn the facts about plan design and see the variety of policies states are pursuing.





Retirement Plan Design

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As states move forward to create and implement retirement savings plans for private-sector workers, there are important considerations for consumers, employers, and taxpayers.


Who Benefits

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Workers, employers and taxpayers all have a stake in state-sponsored retirement savings plans. Several states have commissioned studies of the costs and benefits of various policy proposals, while other experts have estimated the savings to states when more residents are able to save for retirement at work.


Public Opinion

AARP Public Policy Institute


State retirement savings plans have many stakeholders. This section compiles public opinion polls, small business surveys, and expert opinions on state-sponsored retirement savings plans and features like automatic enrollment.


Retirement Reform

State Retirement Savings Resource Center - Featured Research


As states pursue policies to expand access to workplace retirement plans, experts recommend several approaches for the federal government to reform the current retirement system.



Financial Capability

State Retirement Savings Resource Center - Financial Literacy


What is the impact of financial capability on decisions to save for retirement? How can financial capability tools be used to increase savings? See the results of surveys and studies by AARP, the Employee Benefit Research Institute and other experts.


Disrupt Savings: It’s Time For Change: 1 in 3 Americans report they have no retirement savings. Experts explain why we aren’t saving and why we must

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