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Figure 2: Trend in the Annual Net Cash Flow of Social Security’s Combined Old-Age and Survivors Insurance and Disability Insurance Trust Funds, 1980 through 2025 (projected) by U.S. Government Accountability Office

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-16-354

 

RETIREMENT SECURITY: Shorter Life Expectancy Reduces Projected Lifetime Benefits for Lower Earners

 

Notes: Non-interest revenues are revenues from payroll taxes, taxation of benefits, and reimbursements from the general fund of the U.S. Department of the Treasury. Total costs include benefit payments, administrative costs, and Railroad Retirement Board interchange costs. (Interest revenue is excluded.) Changes made by the Social Security Benefit Protection and Opportunity Enhancement Act of 2015 may affect these figures. For further information about operations of the combined trust fund, see The 2015 Annual Report of the Board of Trustees of the Federal Old-Age and Survivors Insurance and Federal Disability Insurance Trust Funds, 158-159, www.socialsecurity.gov/OACT/TR/2015/.

 
Figure 1: Automatic Enrollment and Default Investment Use among Private-Sector Defined Contribution Plans, by Plan Size and Participant Count (2009-2013) by U.S. Government Accountability Office

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-15-578

 

401(K) PLANS: Clearer Regulations Could Help Plan Sponsors Choose Investments for Participants

 

Note: Participant totals represent the total number of active participants in DC plans with both automatic enrollment and a default investment. DOL's Form 5500 Annual Return/Report of Employee Benefit Plan (Form 5500) is completed by plan sponsors and serves as the primary source of information for both the federal government and the private sector regarding the funding, assets, investments, and fees of pension and other employee benefit plans. The Form 5500 does not require sponsors to report the number of automatically enrolled participants.
Figure 1: Trends in Number of Private Sector Defined Benefit and Defined Contribution Plans, 1975-2013 by U.S. Government Accountability Office

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-16-354

 

RETIREMENT SECURITY: Shorter Life Expectancy Reduces Projected Lifetime Benefits for Lower Earners

 
Estimated Household Defined Contribution (DC) Savings, by Income and Race, 2013 by U.S. Government Accountability Office

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-16-408

 

RETIREMENT SECURITY: Low Defined Contribution Savings May Pose Challenges

 
Figure 6: For a Modest Initial Investment, Nonpublicly Traded Shares Can Generate a Large IRA by U.S. Government Accountability Office

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-15-16

 

INDIVIDUAL RETIREMENT ACCOUNTS: IRS Could Bolster Enforcement on Multimillion Dollar Accounts, but More Direction from Congress Is Needed

 
Figure 3: Two Options that Could Identify Workplace Retirement Plan Sponsors with Form 8955-SSA Reporting Failures by U.S. Government Accountability Office

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-18-19

 

WORKPLACE RETIREMENT ACCOUNTS: Better Guidance and Information Could Help Plan Participants at Home and Abroad Manage Their Retirement Savings
Figure 2: Use of Default Investments in Defined Contribution Plans with Automatic Enrollment, by Investment Type (2009-2013) by U.S. Government Accountability Office

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-15-578

 

401(K) PLANS: Clearer Regulations Could Help Plan Sponsors Choose Investments for Participants

 

Note: Given that our focus was the prevalence of the use of QDIAs among plan sponsors, we combined all other categories of non-QDIA default investment vehicles that plan sponsors listed in the surveys, reflected as "other" in this figure.
Figure 3: Select Factors That Stakeholders Said Might Influence a Plan Sponsor's Default Investment Selection by U.S. Government Accountability Office

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-15-578

 

401(K) PLANS: Clearer Regulations Could Help Plan Sponsors Choose Investments for Participants

 
Figure 4: Service Provider Arrangements for Lifetime Income Options in 401(k) Plans by U.S. Government Accountability Office

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-16-433

 

401(K) PLANS: DOL Could Take Steps to Improve Retirement Income Options for Plan Participants

 

Note: This graphic represents an example of service provider arrangements and demonstrates how different service providers may be involved in working with plan sponsors to arrange for lifetime income options. Plan sponsors may also use one entity, sometimes referred to as a bundled service provider, to provide multiple services to the plan. The bundled service provider directly employs or contracts with an array of service providers to offer a number of services.

 
Figure 1: Plan Administration of Required Minimum Distributions (RMD) by U.S. Government Accountability Office

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-16-433

 

401(K) PLANS: DOL Could Take Steps to Improve Retirement Income Options for Plan Participants

 
Figure 1: Select Resources for All Households Age 55 and Older by U.S. Government Accountability Office

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-15-419

 

RETIREMENT SECURITY: Most Households Approaching Retirement Have Low Savings

 

Note: For households with no DB plan or retirement savings, we are 95 percent confident that the median financial asset value was between $763 and $1,237, the median annual income was between $17,809 and $20,055, and the median net worth was between $25,227 and $44,293. All other estimates in this figure have confidence intervals within +/- 3 percentage points.

 
Figure 4: Annualized Historical Returns for Different Trailing Periods by U.S. Government Accountability Office

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-14-264

 

PENSION PLAN VALUATION: Views on Using Multiple Measures to Offer a More Complete Financial Picture
The CPI Retirement Academy, Boston 2010 by CPI Qualified Plan Consultants, Inc.

CPI Qualified Plan Consultants, Inc. conducted its first Retirement Academy conference in Boston in November of 2010. The conference focused on topics of importance to financial advisers who work with retirement plan sponsors and participants. Presentations included branding, marketing systems and the sales process, and product innovation, as well as a panel discussion of successful business practices featuring financial advisers experienced in the retirement plan market.

 

One conference attendee commented, “Your meeting was highly educational and immediately usable. The ideas received from your program and interaction with other successful advisers, will transform our business model.”

 

Another Retirement Academy attendee said, “Our firm has benefited by the knowledge that we gained at the symposium that CPI put on,” he commented. “We have implemented new fiduciary strategies that we learned about from one of the speakers that CPI brought in. We have been working with CPI for quite some time, and we are impressed with their ability to be innovative in adapting to the rapidly changing 401(k) landscape. They are meeting and exceeding our clients' needs."

 

We are firmly committed to helping financial advisers grow their retirement plan business in a tangible way; the CPI Retirement Academy is just one of many examples of our focus on the retirement plan adviser. Planning is underway for the next CPI Retirement Academy to be held in Chicago in April.
401(k) Participants May Assume Greater Responsibility When Investing outside Core Investment Options by U.S. Government Accountability Office

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-25-106161

 

401(k) Plans: Industry Data Show Low Participant Use of Crypto Assets Although DOL's Data Limitations Persist

 
Figure 11: Havensight Mall and the GERS Office Complex Represent 85 Percent of GERS Physical Assets by U.S. Government Accountability Office

This image is excerpted from a U.S. GAO report:

www.gao.gov/products/GAO-24-105862

 

Retirement Security: The U.S. Virgin Islands' Pension Plan Faces Risks Paying Government Employee Benefits

 
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LifeBuzz Analysis: Pooled Registered Pension Plan (PRPP) - Defined Contribution Framework Structure by Life Buzz

The Pooled Registered Pension Plan (PRPP) operates as a defined contribution plan under Canada’s PRPP Act, overseen by OSFI-licensed administrators. LifeBuzz specialists explain how pooling contributions from thousands of employees creates significant investment advantages. Strategic framework coordination with life insurance planning optimizes retirement structures. Professional guidance ensures compliance with PRPP regulations, maintaining financial security and administrative efficiency.

 

lifebuzz.ca/pooled-registered-pension-plan-prpp/

 

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