47 presentation slides. "The combination of [automatic contribution plan/arrangement (ACPA)] and enhanced savers credits are projected to have a huge impact on reducing retirement deficits ... The addition of employer matches on student loans or the 'skinny 401(k)' for ACPA can add up to another 4 percent reduction in retirement deficits whereas auto portability can add 11 to 14 percent ... QLAC modifications can also be beneficial for those in the highest wage quartile who utilize them."