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10/3/2004: Behavioral Economists and the 401(k) Plan: Participation and Contribution Rates (Workforce Management; free registration required)
Excerpt: What can make defined-contribution plans work better? [T]he same things that bedevil them: procrastination and inertia. .... Through 401(k) plans, employees are offered the opportunity to invest in a secure retirement with matching funds from their employer. Yet human resources executives and plan providers have been increasingly frustrated in recent years by low participation as well as lackluster saving rates and indifferent account management by those who do participate.
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