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Abstract of $100 Bills on the Sidewalk -- Suboptimal Saving in 401(k) Plans
National Bureau of Economic Research [NBER]Link to more items from this source
Aug. 18, 2005
Excerpt: [The authors] consider employees who receive employer matching contributions in their 401(k) plan and are allowed to make discretionary, penalty-free, in-service withdrawals. For these employees, contributing below the match threshold is a dominated action. Nevertheless, half of employees with these clear-cut incentives do contribute below the match threshold, foregoing matching contributions that average 1.3% of their annual pay.

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