"One notice or disclosure will not change the entire outlook of plan participants ... However, a retirement income forecast could be useful to participants if it is coupled with additional information and an easily understood call to action.... Once participants are moved to act, plan sponsors and service providers need to be ready to answer these questions: [1] What tools are available for me to further investigate my retirement readiness? [2] How much of an annual increase in contributions is needed to reach my objectives? [3] How else can I close the gap between my retirement target and the current state of my savings? [4] How much do I really need in retirement? [5] Are my goals realistic and appropriate? [6] Can I retire now? If not now, when?"

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