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.
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Workplace Retirement Plans: Who's Not Covered?
Nearly half of the American workforce does not have the option to save for retirement at work. Without an employer-sponsored plan, 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.
How States Are Responding
More than 30 states have taken action to expand workplace retirement savings plans for small business employees, and nine states have enacted legislation. Learn the facts about plan design and see the variety of policies states are pursuing.
Designing a State Retirement Plan
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
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 on Retirement Savings Plans
Public opinion polls, small business surveys, and expert opinions on state-sponsored retirement savings plans and features like automatic enrollment.
Federal Retirement Reform
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
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.
Saving Over a Lifetime
How do households balance short-term and long-term financial goals? As the workplace evolves, so does the latest thinking around savings and financial security.
