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EBRIef: Your Weekly Information Briefing from EBRI

From the Employee Benefit Research Institute (EBRI):

EBRIef #290

Oct. 30, 2017
In this issue:
What's New from EBRI
Upcoming EBRI Presentations
What's New(s) - Health & Workforce
What's News(s) - Retirement
Savings Education


What's New from EBRI
The importance of consistent participation in 401(k) plans: The most recent update of the unique EBRI/ICI 401(k) database demonstrates how important ongoing participation in a 401(k) retirement plan is to generating significant assets.
The latest “longitudinal” analysis of the EBRI/ICI database looks at workers who have contributed to their 401(k) accounts for at least five years through year-end 2015.
Among this group, the average account balance among consistent participants was almost double the average account balance among all participants in the EBRI/ICI 401(k) database. The consistent group’s median balance (mid-point, half above and half below) was almost four times the median balance across all participants at year-end 2015.
Specifically, at year-end 2015, 22.0 percent of the consistent group had more than $200,000 in their 401(k) plan accounts at their current employers, while another 17.2 percent had between $100,000 and $200,000. In contrast, in the broader EBRI/ICI 401(k) database, 10.2 percent had accounts with more than $200,000, and 9.1 percent had between $100,000 and $200,000. MORE. [[add url]]
Upcoming EBRI Presentations

Nov. 2 - Paul Fronstin, National Retail Federation, HR and Employment Law Fall Meeting, Washington, DC -- Topic: Navigating HSAs for Employers and Employees.
Nov. 13 - Paul Fronstin, National Alliance of Healthcare Purchaser Coalitions, 2017 Annual Conference, Arlington, VA -- Topic: Consumerism: The Next Generation.
Dec. 5 - Paul Fronstin, Midwest Business Group on Health, Chicago, IL -- Topic: The Impact of CDHPs & HSAs on Population Health & Financial Wellbeing.

What’s New(s)—Health & Workforce

The Alliance:  “How to Evaluate a Provider Network for Your Health Benefit Plan in Three Steps
Frenkel Benefits [Blog]:  “Start with Pharmacy to Reduce Healthcare Costs
Grooms Benefit Solutions:  “Communication Planning - 8 Weeks Before Open Enrollment
Health Cost Manager:  “The Domino Effect in Health Insurance Premiums
LIMRA:  “4 in 10 Retirees Encounter Higher Than Expected Health Care Expenses in Retirement
PlanSponsor:  “Most Workers Concerned About Rising Out-of-Pocket Medical Costs
United Benefit Advisors:  “Employer Premiums Rise Nearly 7 Percent in 2017; Employees Absorb More of the Health Insurance Cost
Willis Towers Watson Wire:  “How To Make Your Employees Even Smarter When It Comes to Benefits Decisions
Workforce:  “Employers Eye ACOs and Telemedicine in 2018

What's News(s) - Retirement

Congressional Budget Office:  Measuring the Adequacy of Retirement Income: A Primer
Fidelity:  “Is Your Retirement Portfolio Truly Diversified?
LIMRA:  “4 in 10 Retirees Encounter Higher Than Expected Health Care Expenses in Retirement
Milliman:  Multiemployer Pension Funding Study: Fall 2017
NAPA Net:  “Study Reinforces Benefits of Access to a 401(k)
NEPC:  Power Up Your Pension Plans -- NEPC discusses potential adjustments to defined benefit plans to help them meet their investment goals in this low-return environment.
Plan Sponsor Council of America:  “DC Plans: Can Everyone Win?
PlanAdviser:  “More Robust Use of Auto-Features -- DCIIA says existing tools can be leveraged further


About EBRI

The Employee Benefit Research Institute is a private, nonprofit research institute based in Washington, DC, that focuses on health, savings, retirement, and economic security issues. EBRI offers a unique perspective in that we do not lobby nor take policy positions. The work of EBRI is made possible by funding from its members and sponsors, which includes a broad range of organizations involved in benefits issues. For a full list see EBRI’s Members.

Key Contacts

          Jack VanDerhei
          Craig Copeland 
          Sudipto Banerjee

           Paul Fronstin
          Craig Copeland

      Education/Choose to Save®
          Harry Conaway

 Harry Conaway, president & CEO

Copyright © 2017, Employee Benefit Research Institute, All rights reserved.

1100 13th St. NW #878
Washington, DC 20005


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