"Unlike private sector employers, public school districts generally offer more than one type of supplemental retirement savings plan and allow multiple vendors to offer products.... [T]his study examines the impact of inter-district differences in supplemental plan administration on participation in these savings vehicles. [The authors] find wide variation in total participation rates and in 403(b) plan participation rates in particular, even among this population of public-sector workers with the same defined benefit pension plan, health plan, and retiree health coverage."

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