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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.
Segal Consulting — Winter 2017
Estimates reduction in state Medicaid expenditures over ten years under state-sponsored retirement programs.
Cathie Eitelberg, Rocky Joyner, and Bryan Clubb – April 2016
A conservative state-by-state estimate of the savings to Medicaid over five years under a state-sponsored retirement savings plan.
David C. John
Why businesses should use automatic enrollment.
Gary Koenig — February 2012
A 2012 summary of two AARP studies on Automatic IRAs:
Catherine S. Harvey — May 2015
The benefits of a state-sponsored retirement savings plan to Latinos, the largest share of workers in California who lack access to an employer-sponsored retirement plan.
Cindy Hounsell, Women’s Institute for a Secure Retirement (WISER) – October 2014
State-sponsored retirement savings plans could play a pivotal role in offering moderate and low-income working women, especially minority women, a way to save and to improve their retirement readiness.
Barbara Butrica and Richard W. Johnson — July 2011
An Urban Institute study of how Automatic IRAs would assist low and moderate income workers.
Optimal Benefit Strategies, LLC for AARP — August 2009
A 2009 study looking at small business payroll processing systems and the marginal cost of implementing the Automatic IRA.
Overture Financial LLC — March 2016
This report comprises the market analysis, feasibility, and program design required for the California Secure Choice Retirement Savings Program by the state legislature.
Catherine Singley Harvey — April 5, 2015
This report asses the retirement readiness of Latinos in California and the potential for California to serve as a model for states seeking to extend retirement savings plans to private sector workers whose employees do not offer them.
Designing California's Secure Choice Savings Program: Policy Considerations for Building an Automatic and State-Based Savings Platform (PDF)
Michael Calabrese, Reid Cramer, Aleta Sprague, New America Foundation — November 2013
This report describes the California Secure Choice Retirement Savings Program, which would create retirement accounts for up to 6.3 million private sector workers currently lacking access to an employer-sponsored retirement plan.
The California Secure Choice Retirement Savings Program (PDF)
Aleta Sprague, New America Foundation — April 26, 2013
This brief describes the retirement savings crisis as it relates to the Californian population.
Meeting California’s Retirement Security Challenge (PDF)
Nari Rhee — February 2012
This brief gives an overview of the rationale for certain design choices in a state-sponsored retirement system for private sector workers in California.
Connecticut Retirement Security Board — January 2016
This report contains evidence-based recommendations for the account structure, governance and enforcement of a financially feasible retirement system for private sector workers in Connecticut.
Are Connecticut Workers Ready for Retirement? (PDF)
Joelle Saad Lessler, Teresa Ghilarducci, Kate Bahn, Anthony Bonen, and Lauren Schmitz — April 2013
This report investigates declining employer sponsorship of retirement plans in Connecticut.
Jean-Pierre Aubry and Alicia H. Munnell — December 2015
This brief identifies factors leading to the Connecticut State Employees Retirement System’s (SERS) unfunded liability and offers suggestions for how to improve the system’s finances.
Elliot Schreur — April 2015
This paper describes the evolution of state policies to supplement retirement savings and focuses on the Illinois Secure Choice Savings Program.
Coming Up Short: The Scope of Retirement Insecurity Among Illinois Workers
Spencer M. Cowan — September 2012
This report reviews sources of retirement income along with the number of workers facing retirement insecurity to inform a state-level public policy solution.
Policy Brief: Access to Employment-Based Retirement Savings in Illinois
Woodstock Institute — April 2012
This policy brief identifies the subset of the Illinois population that does not have access to employment-based retirement savings plans.
Kathleen Kennedy Townsend — February 2015
This report describes why Maryland should help establish retirement savings accounts for employers that do not currently have them in place.
Are Maryland Workers Ready for Retirement? (PDF)
Joelle Saad-Lessler, Teresa Ghilarducci and Lauren Schmitz — March 2013
This report covers the availability of and participation in employer-sponsored retirement plans in Maryland.
Deloitte Development LLC — 2015
Minnesota contracted with Deloitte to provide a feasibility study for state-sponsored retirement savings programs. This presentation includes Deloitte’s market analysis, program design, financial impact evaluation, and alternatives.
Karen A. Zurlo, Sarah Shin, and Hyungsoo Kim
Oregon retirement security: How Are Retirement Needs Being Met Now and in the Future?
Elise Gould and Doug Hall — January 2012
This paper highlights Oregon retirees’ heavy reliance on Social Security income and uncovers differences in the reliance on Social Security by income, race, and gender.
Jay Goodliffe, Erik Krisle, Sterling Peterson, and Sven Wilson — January 2015
Center for Retirement Initiatives, McCourt School of Public Policy, Georgetown University — January 2017[HCS1]
Washington Retirement Security Accounts: Universal Access to Retirement Security
Economic Opportunity Institute — January 2010
This fact sheet gives an overview of Washington Voluntary Accounts, a type of defined contribution retirement plan available to all employees.
Washington Voluntary Retirement Accounts: Making It Easy to Save For Retirement
Gary Burris — March 1st, 2008
This brief answers frequently asked questions regarding Washington Voluntary Accounts.
The State of Older Adults in West Virginia: Economic Security and the Over 65 Population
Renate Pore and Elizabeth Paulhus — July 2012
This report offers insight into the demographic shift of the West Virginian population.
Closing the Retirement Gap: Voluntary Retirement Accounts Offer Solution for Small Investors
Ted Boettner and Paul Miller — March 11, 2009
This report outlines state-sponsored Voluntary Retirement Savings plans targeted at small businesses and their employees, self-employed persons, and other workers without access to retirement plans.
Setting Up a Universal Retirement System in West Virginia
Ted Boettner — January 2008
This brief describes the potential benefits of legislating to create Voluntary Retirement Accounts that allow any business to participate in a 401(k) type deferred compensation program.
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