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What Determines 401(k) Participation and Contributions? (PDF)
Center for Retirement Research at Boston College Link to more items from this source
Dec. 4, 2000

Working paper. "This paper uses the 1998 Survey of Consumer Finances to identify the factors that determine whether an eligible employee elects to participate in a 401(k) plan and the magnitude of the employee's contribution. The conclusion is that the most important factor affecting employees' participation and contribution decisions is their planning horizon."

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