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Potential Benefits of Universal Access to Retirement Savings: An Analysis of National Options to Expand Coverage
Georgetown University Center for Retirement InitiativesLink to more items from this source
[Opinion]
Jan. 27, 2021

54 pages. "[N]ational universal workplace access scenarios could reduce the access gap and expand retirement savings coverage by 28 to 40 million workers (depending on the chosen design features) by the year 2040, with additional participation from 50 to 70% of private sector workers currently lacking access.... [By] starting to save early in their careers, through simple, automatic, and consistent contributions, and by capitalizing on incentives to save and compounding investment returns over an extended time horizon, millions of additional private sector workers with typical earnings levels will begin to save and build substantial private savings that will increase their retirement incomes."

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