29 pages. "[F]our main themes -- participant objectives and outcomes, ease of use, personalization, and cost -- guide both the optimal choice of a default today, and their future evolution. These themes represent an intersection of current and evolving participant needs, plan sponsor mindset changes ... and the developing ability to meet those needs through technological and regulatory change.... [This report examines] current defaults and emerging solutions in the context of the themes. [It provides], as a call to action, questions to reflect and act on for plan sponsors, service providers, and advisors in an Action Kit."

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