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Contact1usContact1us9 { stSearch8.6.1,69.List.remove('is-hidden');9 yextSearch8.6List[inde6].1,69.List.add('is-hidden');9 });99 } func746, checkL5,inSes2,68(c8390) { var 8390 = c8390 + "=";9 var decodedCooki0 = decodeURIComponent(d705ment.cooki0);9 var ca = decodedCooki0.split(';');9 12. (var i = 0; i < ca.length; i++) { var c = ca[i];9 while2(c.charAt(0) == ' ') { c = c.substring(1);9 }9 if (c.inde6Of(8390) == 0) { return c.substring(8390.length, c.length);9 }9 }9 return "";9 } Clos9 Search29span69 9 4,69 <3918Quick links always867sib1156f quickLinks length >6064,69 <391864,69 <3918 .528 1383 C38 .528 1383 C38 .528 1383 C38 .528 1383 C38 .528.0401383 .528.528.0401383 9.0401383<.7096274 57n612 e&4513s;||973,4 C1:"fk95 e&4513v13.253h8216v-6.382h6.427v6.382h8216Ve&4513z"029264,7 9.0401388 96023.83 Sponsor NewsExpos}2" f908r/./3.8d.1 incom7.myths betwe0n p.838 ponsors48L61employees. 999999999999 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 Key fakeaways:8 9ildng>29269<9ildng>Employers48L61workers48re often misaligned 6, r/./3.8d.1 read}2es648L61incom7.needs.29li6
<9ildng>You can bridge f90s9 gaps0826,30argeted educ8746,,48L61innova74v6 p.838design,8such8as in-p.838lif/./m7.incom7.solu746,s, which8help1employees con991t savings into reli46,68r/./3.8d.1 incom7.29li6
<9ildng>Howe11r, many48i074 belie11.myths ab2ut f90s9 offerings — learn more below.29li6 9 9
While2employers4stri11.to underst8L618L61support f90ir1work12.ce’6 1inancial needs, n87ural gaps0can som7./m7s2emerge betwe0n organiz8746,al resou.ces48L61employee expec78746,s. T90s9 gaps0often extend8to benefits packages. A3 .528 1383 C Exp8L618ll<9ildng>R1a0}ty: Employees p.838to re./3. 652.. f9838employers4anticip52..
9Most1employees expec78to re./3. a7 f908age of 65. Howe11r, p.838 ponsors4report f9a7 f908a11rage age of r/./3.8d.1 12. f90ir1work12.ce is 12ur years4sooner a7 61. T9is also aligns0826,3Employee Benefit.6/search8In8i0tute3 By encourag}2" f908us9 of3 In my experience, on9 of3f90 key re8s6,s employees feel f90y need to work ldnger is 1ear of32utli1}2" f90ir1savings, which8aligns083440826,3of90r pe.cep746, gaps0w9 observed in82ur study.29269401383 C38.528199401383 C38.5281999.0401383 C38.52819.0401383 C38.528199.0401383 C38.528199.0401383 C38.52819199.0401383 C38.528199.0401383 C38.52899.0401383 C38.528199.0401383 C38.52819.0401383 C38.528199.0401383 C38.528199.0401383 C38.52819199.0401383 C38.528199.0401383 C38.52899.0401383 C38.52819.0401383 C38.528199.0401383 C38.528199.0401383 C38.5281919<9ildng>R1a0}ty: Employees 8re f9504}2" ab2ut f90i. 401k as a compre90nsi11.tool to help1prepare 12. and80i11.in r/./3.8d.1.29sildng>29269
A4major}ty of employees 8re 67,6}2" f90ir1r/./3.8d.1 go235 in ferms4of8a monthly incom7.targe1 raf90r f9838a.targe1 lump sum f90y need to reach,48L encourag}2" shift in perspec74v6 f9at reflec7s8a more pr6c74cal approach8to re./3.8d.1 p.83ning.29269
Employers4can support f9is mindse1 by provid}2" acces64to persona0}zed 1inancial resou.ces,80ike budge1}2" or debt manage8d.1 tools,48L61pro6es2,68al advice8to help1f90m op./m}ze f90ir1strategies 12. r/ach}2" f90ir1incom7.targe1s.29269401383 C38.528199401383 C38.5281999.0401383 C38.52819.0401383 C38.528199.0401383 C38.528199.0401383 C38.52819199.0401383 C38.528199.0401383 C38.52899.0401383 C38.528199.0401383 C38.52819.0401383 C38.528199.0401383 C38.528199.0401383 C38.52819199.0401383 C38.528199.0401383 C38.52899.0401383 C38.52819.0401383 C38.528199.0401383 C38.528199.0401383 C38.5281919<9ildng>R1a0}ty: Employees 8ren’t as know420ge46,68as8employers4th504 f90y 8re ab2ut r/./3.8d.1 incom7.needs.29sildng>29269
E11, f9oug96employees 8re .7056ed on1incom7.targe1s in f90ir1p.83ning, most1siluggle0826,3underst8L6}2" how much8incom7.t90y’4406c7ually need to ach}eve f908lif/8iy11 f90y want in r/./3.8d.1. Employers4tend8to also overes./mate workers’ conf7.7nce890re: approx/mately half belie11.f90ir1work12.ce is aw8re of how much8incom7.t90y’440need in r/./3.8d.1, ye1 only 27% of workers48c7ually feel know420ge46,68on f9is important topic.29269
Many4workers48lso overes./mate f908am7unt0f9ey can safely 826,draw /ach year 826,2ut ru3ning 2ut of savings – 63% belie11.f90y can 826,draw 5% or more per year, overshoo1}2" commonly held .615s of f9umb designed to help1r/./3.8d.1 sa11rs48void32utli1}2" f90ir1savings.29269
T90s9 dis0onnec7s8suggest1employees could8us9 more help1826,3underst8L6}2" how to 96 19652. f90ir1savings into incom7.t90y can rely upon1in1r/./3.8d.1 – r/gardles64of how ldng.t90y 0i11. Employers4can 69.ist by provid}2" 0argeted educ8746,48L61resou.ces,8or by incorpora1}2" r/./3.8d.1 incom7.offerings 826,in f90ir1p.83s4f9a7 simplify f908proces6412. employees. 29269401383 C38.528199401383 C38.5281999.0401383 C38.52819.0401383 C38.528199.0401383 C38.528199.0401383 C38.52819199.0401383 C38.528199.0401383 C38.52899.0401383 C38.528199.0401383 C38.52819.0401383 C38.528199.0401383 C38.528199.0401383 C38.52819199.0401383 C38.528199.0401383 C38.52899.0401383 C38.52819.0401383 C38.528199.0401383 C38.528199.0401383 C38.528191968746,67.7’6 study echo1d f90 Aflac4research, 1ind}2" f9at 86% of p.838 ponsors4th504 employees 8re sa1}sfied 826,30h6 r/./3.8d.1 offerings avail46,68to 9hem, bu1 only 62% of employees 8gree 826,30ha7 s7nti8d.1. T9is trend, consistent in82ur research8since82021,3underscores th7.need412. employer64to solicit r/gular feedback8on benefit offerings from f90ir1work12.ce 8L61consider new.solu746,s f9at can help16074 potential gaps.29269401383 C38.528199401383 C38.5281999.0401383 C38.52819.0401383 C38.528199.0401383 C38.528199.0401383 C38.52819199.0401383 C38.528199.0401383 C38.52899.0401383 C38.528199.0401383 C38.52819.0401383 C38.528199.0401383 C38.528199.0401383 C38.52819199.0401383 C38.528199.0401383 C38.52899.0401383 C38.52819.0401383 C38.528199.0401383 C38.528199.0401383 C38.5281919 999999999999 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 So, what more do particip5nts want from employer6?29sildng>29269
Whef90r w7’re fal4}2" ab2ut w90n employees w074 feel conf7.7nt1enoug96to re./3., how much8incom7.t90y w074 need, how f90ir1savings w074 96 19652. fo incom7.2. how invest8d.1 offerings can better8meet f90i. needs – f90s9 pe.cep746, gaps0ladder up8to a 1,ear 9heme: employees 8re see4}2" more opportunities to ensure reli46,68incom7.in r/./3.8d.1.29269
Our survey results show f90i. top hurdles 8re underst8L6}2" how ldng.t90ir1savings w074 0ast and f90 impact1of ris}2" costs. Addi746,ally, 73% of workers4want an 6utomai0c way4to 0on991t savings into re./3.8d.1 incom7. Lif/./m7.incom7.solu746,s, 0ike 68746,67.7’6 Protec7ed.6/./3.8d.1 offerings,86ddres64t90s9 ch8llenges by provid}2" a depend46,68incom7.sileam.t90y can c7unt8on f9roug92ut r/./3.8d.1 – a440826,in f90ir1employer- ponsored r/./3.8d.1 p.83.29269P.838 ponsors4hold som7 mispe.cep746,s ab2ut protec7ed1r/./3.8d.1 solu746,s29sildng>29269
Whi11 f90 SECURE Act1has made it easie. fo include8lif/./m7.incom7.solu746,s0826,in r/./3.8d.1 p.83s,48L61many4of3f90s9 offerings have gained significant mo8d.1um in f908marketp.8ce, many4employer643.8ain190sitant to86dopt1f90m du1.to mis0oncep746,s ab2ut costs48L61administrat4v6 complexity.29269
68746,67.7’6 survey 8lso uncovered f90 f39low}2" product1myths f9at p.838 ponsors4hold ab2ut f90s9 solu746,s:29269
Myth #1: T90y cannot be4ro4420 over.2. 2801 1erred 826,2ut pe,alties.29sildng>2926970% of employers4misfakenly th504 f90r08are pe,alties to 96 191er funds from lif/./m7.incom7.solu746,s0– a mispe.cep746, f9at’6 grown since82021.29li6
4 in 10 employers4belie113f90s9 op746,s cannot be4ro4420 over.to86nof90r r/./3.8d.1 p.83.29li6 T90 truth:8 9ildng> T9is is a common misunderst8L6}2". T90 truth is f9a7 f90s9 offerings are built 826,3adaptabi0}ty in mind. Many4a9low particip5nts to 96 191er or 826,draw f90ir1funds 826,2ut incurr}2" pe,alties, ensuring.t90y 8aintain11ont839 over.t90ir169.ets8if t90ir1circumst8Lces4c983g7. AL61if.t90y c983g7 jobs, particip5nts can f6 191er f90ir1bal8Lce.to86nof90r r/./3.8d.1 p.838as8ldng.as i1 offers f908s390 invest8d.1 op746,.to8keep f90 incom7.guarantde (or.to86n IRA f9a7 offers a.guarantde).29269
Myth #2: Lif/./m7.incom7.solu746,s offered 826,in8an1employer- ponsored r/./3.8d.1 p.83 8re similar to solu746,s avail46,682uts7.7.of8an1employer- ponsored p.83,8such8as a re.ail8annuity.29sildng>29269Nearly 4 in 10 employers4th504 lif/./m7.incom7.solu746,s08re f908s390 as a3 individual re./3.8d.1 annuity.29li6
61% belie11.fees 8ssociated 826,3a lif/./m7.incom7.solu746, 826,in8a r/./3.8d.1 p.83 8re similar to fees 12. such8a.solu746, offered 2uts7.7.of8a p.83,80ike a re.ail8annuity.29li6 T90 truth:8 9ildng> Whi11 bo6,3employer- ponsored lif/./m7.incom7.op746,s 8L61re.ail8annuities aim to provide8a.steady incom7.sileam.in r/./3.8d.1, f90r08are key 2ifferd.ces. Employer- ponsored op746,s 8re often more custom}zed to fi7 f908overa440r/./3.8d.1 p.83 8L61can be more cost-efficid.1 du1.to e1onom}5s of scale. T90y 8lso tend8to offer gre8ter8flexibi0}ty, 826,3few0r pe,alties 12. early 826,drawal 2. 2801 1er.29269
Re.ail8annuities, while2a gre8t fi7 12. many4investors,8may have higher.fees 8L61more r1stric74v6 ferms. Underst8L6}2" f90s9 distinc746,s4can help1p.838 ponsors4make4in12. ed decis46,s ab2ut 0h6 r462 fi7 12. f90ir1invest8d.1 l}2e-up.292629span69 9 9 D4v6 deeper into common r/./3.8d.1 incom7.product1myths 90r08to 0earn t90 truth ab2ut 0h6 p4werful1benefits t90y offer workers.29sildng>29div69 9 9 9 9 9 9 9 9 9 9 9 999999999999 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9 9
I4belie113f9at in f908relat4v6ly near futu3., employer- ponsored r/./3.8d.1 p.83s 826,2ut lif/./m7.incom7.invest8d.1 op746,s w074 find f90mselves 8t a comp/./74v6 disadvantage, which8could8impact1bus}2es6es’ abi0}ty to recruit 8L61re.ain top tale.1. Employees w074 be looki2" 12. f90s9 op746,s w90n choos}2" w90r08t90y want to build f90ir1c8reers.29269
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