"[Employers] who considered themselves more innovative ... [1] are more likely than the rest of the [survey] respondents to have tools in place to assist their employees with improving their financial wellness.... [2] are also taking more actions that are designed to drive as much money in the plan as possible.... [3] want to keep as much money as possible in the plan. This is primarily done by discouraging participants from taking loans against their account and having former employees keep their money in the plan.... [4] prefer to have terminated vested employees keep the money in the plan ... [5] are more likely to provide their participants with the best tools and funds available for investments ... in the form of providing more institutional funds instead of mutual funds ... or offering more creative fund offerings."