Research & Publications
Past EBRI Issue Briefs on Retirement and Savings -- Updated February 27, 2012

This page lists all Fast Facts from EBRI on retirement and savings. These files are in pdf format and require Adobe Reader for viewing and printing.

2011

August 2011 - "Target-Date Fund Use in 401(k) Plans and the Persistence of Their Use, 2007-2009"

July 2011 - "Twenty-five Years After Federal Pension Reform"

June 2011 - "The Impact of Deferring Retirement Age on Retirement Income Adequacy"

May 2011 - "Retirement Income Adequacy with Immediate and Longevity Annuities"

February 2011 - "A Post-Crisis Assessment of Retirement Income Adequacy for Baby Boomers and GenXers"

January 2011 - "Health Savings Accounts and Health Reimbursement Arrangements: Assets, Account Balances, and Roll-Overs, 2006-2010"

2010

December 2010 - "Funding Savings Needed for Health Expenses for Persons Eligible for Medicare"

November 2010 - "The Impact of Auto-Enrollment and Automatic Contribution Escalation on Retirement Income Adequacy"

October 2010 - "Employment-Based Retirement Plan Participation: Geographic Differences and Trends"

September 2010 - "IRA Balances and Contributions: An Overview of the EBRI IRA Database"

August 2010 #345 - "What Do We Really Know About Consumer-Driven Health Plans?"

July 2010 #344 - "The EBRI Retirement Readiness Rating:Retirement Income Preparation and Future Prospects"

June 2010 #343 - "Health SAvings Accounts and Health Reimbursement Arrangements: Assets, Account Balances, and Rollovers, 2006-2009"

April 2010 #341 - "The Impact of Automatic Enrollment in 401(k) Plans on Future Retirement Accumulations: A Simulation Study on Plan Design Modifications of Large Plan Sponsors"

2009

November 2009 #336 - "Employment-Based Retirement Plan Participation: Geographic Differences and Trends, 2008"

October 2009 #335 - "401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2008"

August 2009 #333 - "Individual Account Retirement Plans: Analysis of the 2007 Survey of Consumer Finance, with Market Adjustments to June 2009"

July 2009 #332-SR - "What Does Consistent Participation in 401(k) Plans Generate?"

June 2009 #330 - "Addressing Health Care Market Reform Through an Insurance Exchange: Essential Policy Components, the Public Plan option, and Other Issues to Consider"

May 2009 #329 -"Plan Demographics, Participants' Saving Behavior and Target-Date Fund Investments"

March 2009 #327 - "Use of Target Date funds in 401(k) Plans, 2007"

February 2009 #326 - "The Impact of the Recent Financial Crisis on 401(k) Account Balances"

2008

December 2008 #324 - "401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2007"

October 2008 #322 - "Employment-Based Retirement Plan Participation: Geographic Differences and Trends, 2007"

August 2008 #320 - "Lessons from the Evolution of 401(k) Retirement Plans for Increased Consumerism in Health Care: An Application of Behavioral Research"

July 2008 #319 - "EBRI Recent Retirees Survey: Report of Findings"

June 2008 #318 - "The Impact of PPA on Retirement Savings for 401(k) Participants"

May 2008 #317 - "Savings Needed to Fund Health Insurance and Health Care Expenses in Retirement: Findings From a Simulation Model"

January 2008 #313 - "Listening to Consumers: Value-Focused Health Benefits and Education"

2007

November 2007 #311 - "Employment-Based Retirement Plan Participation: Geographic Differences and Trends, 2006"

September 2007 #309 - "Health Insurance and Taxes: Can changing the Tax Treatment of Health Insurance Fix Our Health Care System?"

August 2007 #308 - "401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2006"

July 2007 #307 - "Retirement Income Adequacy After PPA and FAS 158: Part One—Plan Sponsors’ Reactions"

February 2007 #302 - "How Are New Retirees Doing Financially in Retirement?"

January 2007 #301 - "Behavorial Finance and Retirement Plan Contributions: How Participants Behave and Prescriptive Solutions"

2006

November 2006 #299 - "Employment-Based Retirement Plan Participation: Geographic Differences and Trends, 2005"

September 2006 #297 - "Measuring Retirement Income Adequacy: Calculating Realistic Income Replacement Rates"

August 2006 #296 - "401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2005"

May 2006 #293 - "Individual Account Retirement Plans: An Analysis of the 2004 Survey of Consumer Finances"

March 2006 #291 - "Defined Benefit Plan Freezes: Who's Affected, How Much, and Replacing Lost Accurals"

January 2006 #289 - "Retirement Plan Participation and Retirees’ Perception of Their Standard of Living"

2005

October 2005 #286 - "Employment-Based Retirement Plan Participation: Geographic Differences and Trends, 2004"

September 2005 #285 - "401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2004"

July 2005 #283 - "The Influence of Automatic Enrollment, Catch-Up, and IRA Contributions on 401(k) Accumulations at Retirement"

May 2005 #281 - "Comparing Social Security Reform Option"

January 2005 #277 - "Changes in Wealth for Americans Reaching or Just Past Normal Retirement Age"

2004

October 2004 #274 - "Employment-Based Retirement Plan: Geographic Differences and Trends"

August 2004 #272 - "401(k) Plan Asset Allocation, Account Balances, and Loan Activity, 2003"

July 2004 #271 - "Health Care Expenses in Retirement and the Use of Health Savings Accounts and Appendix"

May 2004 #269 - "ERISA at 30: The Decline of Private-Sector Defined Benefit Promises and Annuity Payments. What Will It Mean?"

April 2004 #268 - "Will Americans Ever Become Savers? The 14th Retirement Confidence Survey, 2004"

February 2004 #266 - "Americans' Future Retirement Security: Implications of the EBRI-ERF Retirement Security Projection Model"

2003

November 2003 #263 - "Can America Afford Tomorrow's Retirees? Results from the EBRI-ERF Retirement Security Projection Model"

October 2003 #262 - "Employment-Based Retirement and Pension Plan Participation: Declining Levels and Geographic Differences"

September 2003 #261 - "401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2002"

July 2003 #259 - "Individual Account Retirement Plans: An Analysis of the 2001 Survey of Consumer Finances"

April 2003 #256 - "Employment-Based Retirement and Pension Plan Participation: Geographic Differences and Trends"

March 2003 #255 - "401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2001"

February 2003 #254 - "Retiree Health Benefits: Savings Needed to Fund Health Care in Retirement"

2002

November 2002 #251 - "Can 401(k) Accumulations Generate Significant Income for Future Retirees"

September 2002 #249 - "An Evolving Pension System: Trends in Defined Benefit and Defined Contribution Plans"

August 2002 #248 - "Retirement Plan Participation and Features, and the Standard of Living for Americans 55 or Older"

May 2002 #245 - "An Analysis of the Retirement and Pension Plan Coverage Topical Module of SIPP"

March 2002 #243 - "The Ongoing Growth of Defined Contribution and Individual Account Plans: Issues and Implications"

February 2002 #242 - "Workers Displaced from Employment, 1997-1999: Implications for Employee Benefits and Income Security"

2001

November 2001 #239 - "401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2000"

October 2001 #238 - "Contribution Behavior of 401(k) Plan Participants"

September 2001 #237 - "Individual Social Security Accounts: Administrative Issues"

July 2001 #235 - "State and Local Retirement Plans: Innovation and Renovation"

June 2001 #234 - "Jun 01 EBRI 2001 Retirement Surveys: Retirement Confidence Survey (RCS), Minority RCS, and Small Employer Retirement Survey (SERS)"

April 2001 #232 - "Apr 01 The Changing Face of Private Retirement Plans"

February 2001 #230 - "Feb 01 401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 1999"

2000

November 2000 #227 - "Women and Pensions: A Decade of Progress?"

July 2000 #223 - "Personal Account Retirement Plans: An Analysis of the Survey of Consumer Finances"

June 2000 #222 - "Retirement Confidence Survey 2000 - Including Results of the RCS Minority Survey and the Small Employer Retirement Survey"

March 2000 #219 - "Retirement Plans, Personal Saving and Saving Adequacy"

February 2000 #218 - "401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 1998"

1999

December 1999 #216 - "Evolution of Retirement: Results of the 1999 Retirement Confidence Survey"

August 1999 #212 - "The 1999 Small Employer Retirement Survey: Building a Better Mousetrap Is Not Enough"

June 1999 #210 - "Social Security Reform: Evaluating Current Proposals"

May 1999 #209 - "May 99 Social Security, Retirement Incentives, and Retirement Behavior: An International Perspective "

February 1999 #206 - "Retirement Patterns and Bridge Jobs in the 1990s"

January 1999 #205 - "401(k) Plan Asset Allocation, Account Balances, and Loan Activity"

1998

November 1998 #203 - "Individual Social Security Accounts: Issues in Assessing Administrative Feasibility and Costs"

October 1998 #202 - "Small Employers and the Challenge of Sponsoring a Retirement Plan: Results from the 1998 Small Employer Retirement Survey"

August 1998 #200 - "What Is Your Savings Personality? The 1998 Retirement Confidence Survey"

May 1998 #197 - "Debunking the Retirement Policy Myth: Lifetime Jobs Never Existed for Most Workers"

March 1998 #195 - "How Do Individual Social Security Accounts Stack Up?"

1997

November 1997 #191 - "Increased Saving but Little Planning: Results of the 1997 Retirement Confidence Survey"

October 1997 #190 - "Defined Contribution Retirement Plan Dominance Grows Across Sectors and Employer Sizes, While Mega Defined Benefits Plans Remain Strong: Where We Are and Where We Are Going"

August 1997 #188 - "Large Plan Lump-Sums: Rollovers and Cashouts"

April 1997 #184 - "Employee Benefits, Retirement Benefits, and Implications for Increased Work Life"

March 1997 #183 - "A Framework for Analyzing and Comparing Social Security Policy"

January 1997 #181 - "The Reality of Retirement Today: Lessons in Planning for Tomorrow"

1996

October 1996 #178 - "Lump Sum Distributions: Fulfilling the Portability Promise or Eroding Retirement Security"

August 1996 #176 - "Worker Investment Decisions: An Analysis of Large 401(k) Plan Data"

June 1996 #174 - "Contribution Rates and Plan Features: An Analysis of Large 401(k) Plan Data"

March 1996 #171 - "Hybrid Retirement Plans: The Retirement Income System Continues to Evolve"

January 1996 #169 - "Participant Education: Actions and Outcomes"

1995

December 1995 #168 - "Are Workers Kidding Themselves? The REsults of the 1995 Retirement Confidence Survey"

April 1995 #160 - "Can We Save Enough to Retire? Participant Education in Defined Contribution Plans"

January 1995 #157 - "Promises to Keep: Leaders and the Public Look at Saving and Retirement"

1994

December 1994 #156 - "Retirement Confidence in America: Getting Ready for Tomorrow"

November 1994 #155 - "Saving Reduction Plans and Individual Saving for Retirement"

September 1994 #153 - "Employment-Based Retirement Income Benefits: Analysis of the April 1993 Current Population Survey"

July 1994 #151 - "Babyboomers in Retirement: What Are Their Prospects?"

May 1994 #149 - "Characteristics of the Part-Time Workforce: Analysis of the March 1993 Current Population Survey"

February 1994 #146 - "Retirement Program Lump-Sum Distributions: Hundreds of Billions in Hidden Pension Income"

1993

December 1993 #144 - "Pension Coverage and Participation Growth: A New Look at Primary and Supplemental Plans"

November 1993 #143 - "Pension Fund PortfolioTurnover and Performance Evaluation"

September 1993 #141 - "Pension Evolution in a Changing Economy"

August 1993 #140 - "Demographic and Employment Shifts: Implications for Benefits and Economic Security"

February 1993 #134 - "Pension Tax Expenditures: Are They Worth the Cost?"

1992

December 1992 #132 - "Public Opinion on Health, Retirement, and Other Benefits"

September 1992 #129 - "Pensions, Social Secuirty, and Savings"

May 1992 #126 - "PBGC Solvency: Balancing Social and Casualty Insurance Persepctives"

March 1992 #124 - "Retirement Security in a Post-FASB Environment"

1991

December 1991 #121 - "Work and Retirement Patterns of Older Americans"

July 1991 #116 - "Diversity of Pension Investments"

March 1991 #112 - "Retiree Health Benefits: Issues of Structure, Financing, and Coverage"

February 1991 #111 - "Employee Benefits in Total Compensation"

1990

December 1990 #109 - "Financing Social Security Retirement into the 21st Century"

October 1990 #107 - "International Benefits: Part Two -- Retirement Income"

August 1990 #105 - "Pension Fund Taxation: Examining the Issues"

June 1990 #103 - "Trends and Issues in Early Retirement"

April 1990 #101 - "Current Pension Investment Issues"

January 1990 #98 - "Preservation of Pension Benefits"

1983

December 1983 #25 - "Dec 83 Pension-Related Tax Benefits"

July 1983 #20 - "Women and Pensions, Part II: Implications of Proposals of Reform"

June 1983 #19 - "Women and Pensions, Part I: Implications of a Maturing Pensions System and Changing Female Work Patterns"

April 1983 #17 - "Retirement Program Tax Expenditures: A Case of Unsubstantiated, Undocumented, Arbitrary Numbers"

March 1983 #16 - "Individual Savings for Retirement: A Closer Look"

February 1983 #15 - "Proposed Changes in Pension Integration Could Lead to Inefficient Policies and Reduced Private Pension Coverage"

January 1983 #14 - "Capital Needs of Small Business: Can Pension Funds Help?"

1982

December 1982 #13 - "Has the Time for Consistent Federal Retirement Income Policy Arrived?"

September 1982 #12 - "Reverse Annuity Mortgages: A Valuable Sources of Retirement Income"

August 1982 #11 - "State and Local Government Pension Plans: Is Federal Regulation Coming?"

July 1982 #10 - "Federal Pensions: An Island of Priviledge in a Sea of Austerity"

June 1982 #8 - "Pension Equity Tax Act"

January 1982 #1 - "Universal IRAs and Deductible Employee Contributions"

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