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American Benefits Council Statement to the U.S. Senate Finance Committee Working Group on Savings and Investment (PDF)
American Benefits Council Link to more items from this source
Apr. 16, 2015

37 pages. "Our nation's employer-based retirement savings system is particularly vulnerable to disruption, because some of the commonly used measures of employer plan coverage are misleading and the true value of the current tax incentives for retirement savings is not widely understood, which can lead to proposals that result in more harm than good.... This statement illustrates how the vast majority of American workers are well served by the system of tax incentives that makes these plans possible. We will: [1] Describe the critical role that employers play in providing their employees with a secure vehicle for retirement savings. [2] Demonstrate the true value of tax-deferred retirement savings on personal financial security, broader economic growth and future tax revenues. Explain how retirement plan coverage and tax policy are intricately intertwined. [3] Provide targeted policy recommendations that would improve outcomes without compromising the successes of our current system. [4] Offer additional analyses regarding the way in which the tax incentives for savings in employer-sponsored retirement plans are measured and evaluated and offer some insights into how best to interpret retirement plan coverage statistics."

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