Beruflich Dokumente
Kultur Dokumente
2013
45%
33%
2014
44%
32%
18%
19%
2%
Extremely important
Very important
Somewhat
important
4%
1%
1%
Source: Employee Benefit Research Institute and Greenwald & Associates, 2013-2014 Health and Voluntary Workplace Benefits
Surveys.
Percentage Yes
29%
25%
25%
21%
1999
2001
2013
2014
Source: Employee Benefit Research Institute, 1999 and 2001 Value of Benefits Surveys; Employee Benefit Research Institute and
Greenwald & Associates, 2013-2014 Health and Voluntary Workplace Benefits Surveys.
Distribution of Retirement Income Plus Social Security Income, by Income Quartile and Source of
Retirement Income, Traditional and New Measures of Income in the Current Population Survey,
Individuals Ages 65 or Older, 2013
100%
90%
80%
70%
60%
50%
97.0%
97.0%
93.5%
93.1%
40%
71.9%
68.4%
30%
45.7%
20%
41.1%
10%
0%
Traditional
New
Traditional
1st Quartile
New
Traditional
2nd Quartile
Social Security
Company
State
New
Traditional
3rd Quartile
Federal
IRA, 401(k)
New
4th Quartile
Annuities
Other
Source: Employee Benefit Research Institute estimates of the March 2014 Current Population Survey
(Traditional and New Income Measures).
Employee Benefit Research Institute 2015
Traditional Measure
68.3%
New Measure
60.7% 61.4%
60%
50%
40%
36.4% 35.7%
30%
20%
13.5%
11.9%
10%
0.5%
1.2%
0%
All
1st Quartile
2nd Quartile
3rd Quartile
4th Quartile
Source: Employee Benefit Research Institute estimates of the March 2014 Current Population Survey
(Traditional and New Income Measures).
Employee Benefit Research Institute 201
2015
$324.42
Traditional Measure
New Measure
$300
$253.57
$250
$236.14
$200
$177.96
$150
$100
$63.22
$74.91
$50
$2.32
$2.29
$10.07 $11.08
$0
All
1st Quartile
2nd Quartile
3rd Quartile
4th Quartile
*Retirement Income includes pension income from public and private sector employers, draws from IRAs and 401 (k)
type plans, annuities and paid up life insurance, and other income for retirement.
Source: Employee Benefit Research Institute estimates of the March 2014 Current Population Survey
(Traditional and New Income Measures).
Employee Benefit Research Institute 201
2015
10
New Measure
$49.56
$50.00
$40.00
$34.67
$30.00
$20.00
$14.08
$12.12
$12.30
$10.00
$0.15
$0.58
$2.18
$0.21
$1.42
$0.00
All
1st Quartile
2nd Quartile
3rd Quartile
4th Quartile
Source: Employee Benefit Research Institute estimates of the March 2014 Current Population Survey
(Traditional and New Income Measures).
Employee Benefit Research Institute 201
2015
11
Traditional Measure
18%
17.8%
New Measure
16%
15.1%
14%
12%
10.3%
10%
8%
6.2%
6%
4.0%
4%
2%
2.1%
1.7%
0.4%
1.7%
0.5%
0%
All
1st Quartile
2nd Quartile
3rd Quartile
4th Quartile
Source: Employee Benefit Research Institute estimates of the March 2014 Current Population Survey
(Traditional and New Income Measures).
Employee Benefit Research Institute 201
2015
12
13
14
15
1950
1960
1970
Sponsorship
1974
1979
1988
Participation %
1998
2009
2012
Vested %
16
17
18
76.1%
74.5%
76.7%
77.2% 77.3%
75.8%
74.8%
75.4%
74.5%
70%
72.9%
71.9%
73.2%
54.4%
54.5%
53.7%
44.8%
44.9%
44.6%
39.6%
39.8%
65%
60%
58.4%
60.3%
59.5%
57.1%
57.7% 57.9%
55%
50%
46.1%
47.4%
46.2%
47.8%
51.0%
51.6%
46.1%
46.7%
48.4%
54.8%
55.3%
47.0%
47.4%
43.2%
45%
41.3%
39.8%
40.1%
40%
35%
59.8%
42.2%
43.6%
42.0%
41.0%
37.6%
1987
39.0%
39.0%
1990
1993
1995
1998
41.7%
44.4%
2000
2003
42.0%
40.9%
41.5%
2005
2007
54.8%
46.0%
40.7%
40.4%
2008
39.2%
2009
39.2%
39.5% 39.7%
2010
All Workers
2011
Source: Employee Benefit Research Institute estimates from the 19882012 March Current Population Surveys.
19
$35,803
$20,257
$17,794
$15,711
$15,471
$15,190
$11,471
$15,000
$12,796
$28,457
$20,000
$11,344
$25,000
$23,785
$30,000
$25,296
$35,000
$32,647
$27,987
$40,000
$32,179
$45,000
$40,996
$10,000
$5,000
$0
All
Source: EBRI IRA Database.
Traditional
2010
2011
Roth
2012
SEP/SIMPLE
2013
20
$250,000
02
>25
>510
>1020
>2030
>30
$200,000
$150,000
$100,000
$50,000
$0
20s
30s
40s
50s
60s
Source: VanDerhei, J. , Holden, S., Alonso, L., Bass, S., Pino, A. (December
2014). 401(k) Plan Asset Allocation, Account Balances, and Loan Activity in
2013 December 2014, EBRI Issue Brief
Employee Benefit Research Institute 201
2015
21
$100,000
$-
10-20
20-30
>30
p20
$46,831
$77,049
$121,739
p40
$111,094
$180,400
$260,186
p60
$206,883
$318,403
$437,827
p80
$370,688
$533,853
$735,813
22
23
Employee Benefit Research Institute 2015
35-39
Including LTC costs
56.7%
Assuming no LTC costs 79.6%
40-44
58.8%
79.3%
45-49
58.9%
76.6%
50-54
58.6%
75.2%
55-59
57.0%
72.7%
60-64
56.5%
72.1%
24
Early
Boomers
71.9%
56.7%
Late
Boomers
75.6%
57.7%
Gen Xers
79.0%
58.5%
*NB: This includes all households regardless of eligibility for employer-sponsored retirement plans. See
subsequent slides for the impact of plan eligibility on retirement income adequacy.
26
4.0%
2.0%
0.0%
6 percent contribution
3 percent contribution
35-39
17.9%
10.6%
40-44
17.7%
9.9%
45-49
15.1%
7.9%
50-54
9.8%
5.1%
55-59
6.2%
3.1%
60-64
3.8%
1.8%
27
25.0%
20.0%
15.0%
10.0%
5.0%
0.0%
Loan Defaults
Hardship WD w 6 mo
suspension
Cashouts
All
Lowest
income
quartile
4.2%
Second
income
quartile
3.3%
Third
income
quartile
4.0%
Highest
income
quartile
3.2%
8.0%
6.7%
4.3%
3.2%
20.0%
27.3%
15.9%
22.7%
12.7%
18.3%
10.3%
15.2%
28
50%
40%
30%
20%
10%
0%
Lowest-Income Quartile
10.3%
20.9%
Second
45.5%
53.5%
Third
64.3%
70.1%
Highest-Income Quartile
79.6%
83.1%
Source: EBRI Retirement Security Projection Model Versions 1995 and 1997.
Note: The values in this figure represent the percentages of simulated life-paths that will not run short of money in retirement assuming that 100 percent
of simulated retirement expenses are paid. Additional information on the percentages that would be able to satisfy less stringent thresholds (viz., 80 and
90 percent of simulated expenses) is provided in Appendix B.
4.13
3.86
3.64
3.93
4.00
4.06
30
31
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