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401K Programs and The Continuing Challenges of Participant Retirement Readiness

Topic:
401K Programs and The Continuing Challenges of Participant Retirement Readiness
Date:
November 7, 2012 at 2:00 - 3:00 PM ET
Presenters:
Scott Cole, Senior Manager, Human Capital(Deloitte Touche Tohmatsu Limited)
Cheryl Ouellette, Consulting Specialist Master(Deloitte Touche Tohmatsu Limited)
Stacy Sandler, Principal, Deloitte Consulting(Deloitte Touche Tohmatsu Limited)
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Description
One year removed from the “lost decade” of retirement savings, participant balances are still struggling to rebound to their pre-2008 levels. Questions about the economy in the unfolding decade persist, as do questions about the effectiveness of the 401(k) plan as the primary savings vehicle for millions of Americans.

Retirement security (or the lack of it) cannot be pinned solely to the successes or failures of 401(k) plans, employers, or even participants. After all, the 401(k) plan was not intended to be the sole (or even primary) retirement vehicle. As the prevalence of employer-sponsored defined benefit plans is declining and concerns about the future of Social Security are increasing, employees and retirees feel a need to stretch the 401(k) plan further than it was ever intended to go.

At the same time, other components of retirement security haven’t cooperated. The cost of healthcare rises seemingly as quickly as 401(k) balances have dropped, and employer-provided retiree healthcare benefits are even more scarce than defined benefit pension plans. When combined with record levels of personal debt, high unemployment and low levels of personal savings, it creates a difficult and worrisome picture of retirement readiness.

Did you know… only 15% of employers / plan sponsors today feel that most of their plan participants will be financially prepared for retirement? What are they doing to improve the situation? We'll discuss:
Join this session to understand:

• Why retirement readiness is a growing problem, including stagnation of participant accounts, employee participation and contribution rates.• The effects of fee disclosure regulations on plan participants and employers, and HR can help communicate 401(k) fees to employees.

• New ways retirement providers are helping sponsors improve retirement readiness, including guaranteed income funds and use of social media to engage participants.

Hear results of Deloitte's latest 401(k) survey and how plan sponsors and providers are addressing employee retirement readiness.
Who Should Participate
This session is open to all HR Professionals
What You Will Learn
  • Why retirement readiness is a growing problem, including stagnation of participant accounts, employee participation and contribution rates.
  • The effects of fee disclosure regulations on plan participants and employers, and HR can help communicate 401(k) fees to employees.
  • New ways retirement providers are helping sponsors improve retirement readiness, including guaranteed income funds and use of social media to engage participants.
Recommended Resources
Annual 401(K) Benchmarking Survey Click here
Communities
Benefits
Outsourcing Benefits
Retirement Benefits
401(k)
Benefits - Cost Containment, Audits and Legal Risks
Presented by
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Scott Cole
Deloitte Touche Tohmatsu Limited

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Cheryl Ouellette
Deloitte Touche Tohmatsu Limited

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Stacy Sandler
Deloitte Touche Tohmatsu Limited

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Event Sponsors
Institute for Human Resources (IHR)
The Institute for Human Resources (IHR) has a Certification Program for you! Attend free online workshops, network with peers and industry leaders, and achieve a professional designation without leaving your desk.
File List
Feedback
Name Comment Rating
Image of Katie Brisley-Logue Katie Brisley-Logue
YAI/NIPD Network
3 / 5
Good Presentation
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Sabathier & Associates
5 / 5
Excellent Presentation
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McAteer Consulting Limited
4 / 5
Very Good Presentation
Image of Patricia Simon Patricia Simon
Luther Home of Mercy
4 / 5
Very Good Presentation
Image of Jane Gallant Jane Gallant
Birch, Stewart, Kolasch & Birch, LLP
4 / 5
Very Good Presentation
Image of Bill Ryder Bill Ryder
TRANSAMERICA LIFE CO
5 / 5
Excellent Presentation
3 / 5
Good Presentation
3 / 5
Good Presentation
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Darden Restaurants Inc.
5 / 5
Excellent Presentation
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Ulta Beauty
4 / 5
Very Good Presentation
Image of Ricki Davidson Ricki Davidson
Chickasaw Nation
5 / 5
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Dougherty Equipment Co.
3 / 5
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Image of Tina Byrd Williams Tina Byrd Williams
DS Waters Of America Inc. (Corporate Office)
5 / 5
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4 / 5
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3 / 5
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Westminster College Salt Lake City
3 / 5
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Image of Nancy Wraight Nancy Wraight
Avanti's Ristorantes
5 / 5
Excellent Presentation
Image of Laurie Rhind Laurie Rhind
LRhind Consulting
4 / 5
Very Good Presentation
Image of Kathy Maurer Kathy Maurer
Iasis Molecular Sciences
Great information this is one I will listen too again. Thank you 5 / 5
Excellent Presentation
Image of Miriam Berger Miriam Berger
A Hire Authority

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