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The Retirement Crisis and a Plan to Solve It: Introducing 'USA Retirement Funds' (PDF)
Sen. Tom Harkin [D-IA], Chair, Committee on Health, Education, Labor and Pensions, U.S. Senate 
July 27, 2012
"By ensuring that every American has access to a retirement plan at work and making participation automatic, we can drastically reduce the retirement income deficit and promote retirement security.... Because USA Retirement Funds would be licensed and overseen by a board of trustees, employers would not have any fiduciary responsibilities in selecting, administering, or managing the funds. Employers' only obligation with regard to the USA Retirement Funds would be to automatically enroll employees, ensure that employee contributions are processed, and make modest contributions.... USA Retirement Funds are intended to supplement, not supplant, DC Plans. Employers could certainly offer both a USA Retirement Fund and a DC Plan for their employees."
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