You could save on auto insurance when you complete the AARP Smart Driver course! Use code '2019' to save 25 percent now.
An Initiative of the AARP Public Policy Institute
As states move forward to create and implement retirement savings plans for private-sector workers, there are important considerations for consumers, employers, and taxpayers.
Find the public policy institute content you are looking for by entering in search terms below.
Sign up for alerts on the latest research, events and videos on policy issues.
National Conference on Public Employee Retirement Systems — July 2017
A recent history of legislative and regulatory developments in state-facilitated retirement savings plans for small business employees.
David John and Angela M. Antonelli — February 2017
David C. John is a Senior Strategic Policy Advisor at the AARP Public Policy Institute and the former Senior Research Fellow in Retirement Security and Financial Institutions at the Heritage Foundation. Angela M. Antonelli is the Executive Director of the Georgetown Center for Retirement Initiatives and the former Director of the Thomas A. Roe Institute of Economic Policy at The Heritage Foundation.
David C. John and William G. Gale — September 2015
Considerations for designing and implementing effective state-sponsored retirement savings plan including policy design choices, management issues, and role of employers and employees.
Center for Retirement Initiatives, McCourt School of Public Policy, Georgetown University — January 2017 [HCS1]
Alicia H. Munnell, Anek Belbase, and Geoffrey Sanzenbacher — December 2016
Recommends ways for state auto-IRA programs to cover their start-up and ongoing costs while keeping fees reasonable.
U.S. Department of Labor — December 2016
Allows certain cities and localities to set up payroll deduction retirement savings programs with automatic enrollment by amending a final rule from the U.S. Department of Labor Employee Benefits Security Administration.
U.S. Department of Labor — August 2016
Final rule from the U.S. Department of Labor Employee Benefits Security Administration to facilitate state auto-IRA retirement savings programs. The rule sets up a new safe harbor from ERISA for certain payroll deduction savings programs with automatic enrollment.
U.S. Department of Labor — November 2015
This document (Interpretive Bulletin 2015-02) attempts to clarify DOL’s views on how ERISA applies to state-run retirement plans, including state marketplaces and multiple-employer plans.
How livable is your community?
Groom Law Group — August 2016
Analysis of the final state automatic IRA rule (August 2016), the proposed rule on political subdivisions (August 2016), and the Interpretive Bulletin 2015-02.
Zachary May — September 2016
The U.S. can learn much from Australia’s “Superannuation” retirement system about adequacy and delivering retirement income effectively.
Richard Mourdock — September 2016
Former State Treasurer of Indiana offers answers to questions about implementing state-sponsored private sector retirement savings plans.
Brigitte C. Madrian, Harvard University and National Bureau of Economic Research — October 2014
How automatic enrollment and escalation can increase both participation and savings.
Robert J. Toth Jr., Law Office of Robert J. Toth, Jr., LLC — October 2014
How states can create a retirement saving plan that complies with ERISA or falls outside its scope. Using those structures, states can help employees of small businesses save their own money without imposing a burden on their employers.
Start Getting Your Member Benefits Today!
Get the Most From Your Membership
Continue Enjoying Your Member Benefits!
Peter Chandler and Gary Mottola, Retirement Made Simpler — October 2014
Guidance for states to consider when evaluating default contribution rates.
Karen Friedman and Norman Stein, Pension Rights Center — October 2014
Ensuring that consumers’ money and rights are fully protected is a key component of effective state-sponsored retirement savings plans.
A well-structured plan can minimize risks that an employer could face by participating in a state-sponsored retirement savings plan.
The authors show how placing retirement savings assets in pooled accounts can reduce both costs and risk.
Steven A. Sass – September 2016
A brief review of the evidence on tax incentives, behavioral finance, and 401(k) plans points to the promise of payroll deduction IRAs to expand retirement saving.
The Pew Charitable Trusts — June 2016
Analysis of state retirement policy solutions for private-sector workers enacted or under consideration in 25 states as of June 2016, including a detailed discussion of plan design features and issues.
Anek Belbase, Alicia H. Munnell, Nari Rhee and Geoffrey T. Sanzenbacher — March 2016
This brief compare Connecticut and California’s prosed mandates for employers to provide their own plan or enroll their employees into a state automatic IRA plan.
GAO — September 2015
This report examines state-level strategies and challenges related to expanding access to retirement plans within the confines of federal law.
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.
David E. Morse — December 2014
This policy report describes how federal laws such as ERISA would apply to state pension plans.
David C. John — July 2014
Testimony before the Oregon Retirement Savings Task Force, How to structure an effort to improve retirement savings opportunities for private sector employees.
Ross Eisenbrey and Monique Morrissey — September 2012
This memo describes features of the California Secure Choice Retirement Savings Program (SB 1234).
Teresa Ghilarducci, Robert Hiltonsmith, and Lauren Schmitz — September 2012
This brief describes the steps states could take to create a secure retirement income for each state’s workforce.
Ross Eisenbrey and Monique Morrissey — September 13, 2012
Susan Reinhard is senior vice president and director of AARP Public Policy Institute. Read her latest blogs on family caregiving, healthy living, nursing and more. Read Susan's Blogs
AARP PPI Facebook
You are leaving AARP.org and going to the website of our trusted provider. The provider’s terms, conditions and policies apply. Please return to AARP.org to learn more about other benefits.
Your email address is now confirmed.
Manage your email preferences and tell us which topics interest you so that we can prioritize the information you receive.
Explore all that AARP has to offer.
In the next 24 hours, you will receive an email to confirm your subscription to receive emails
related to AARP volunteering. Once you confirm that subscription, you will regularly
receive communications related to AARP volunteering. In the meantime, please feel free
to search for ways to make a difference in your community at