Work and Save. Sarah Mysiewicz Gill Senior Legislative Representative State Financial Security & Consumer Affairs AARP
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1 Work and Save Sarah Mysiewicz Gill Senior Legislative Representative State Financial Security & Consumer Affairs AARP
2 Percent of Households at Risk of Not Having Sufficient Retirement Savings Households at Risk of Insecure Retirement 60% National Retirement Risk Index, % 53% 52% 20% 31% 31% 30% 37% 38% 40% 38% 45% 44% 0% Source: Center for Retirement Research, National Retirement Risk Index
3 Rethinking Access in the Workplace ERISA introduced Source: NIRS, The Continuing Retirement Savings Crisis
4 The Power of Auto-Enrollment Participation Rates 91.0% 71.5% 4.6% Not covered by an Employer Plan - Deductible IRA Only Covered by an Employer Plan Automatically Enrolled by Employer Data compiled by AARP s Public Policy Institute from unpublished estimates from the Employee Benefit Research Institute of the 2004 Survey of income and Program Participation Wave 7 Topical Module (2006 data). See also Brookings' Retirement Security Project, and WhiteHouse.gov. Automatic enrollment data estimates provided by Vanguard.
5 Percent of Workers Without Access to a Retirement Plan by State 30 40% 40 50% 50 60% + 60% Source: AARP s Public Policy Institute
6 Percent of Multicultural Workers Without Access to a Retirement Plan by State 30 40% 40 50% 50 60% + 60% Source: AARP s Public Policy Institute
7 Solutions 5 essential ingredients that facilitate adequate retirement savings rates: Availability Automatic enrollment Ease of investment Automatic escalation Lifetime income streams
8 Payroll Deduction Valued Across All Income Levels
9 Effect of Auto Enrollment on Participation Source: How America Saves: 2013 (Valley Forge, PA: Vanguard, 2013).
10 Work and Save Public-Private Partnership Plug and Play Saves Taxpayer Dollars Cost-effective Self-sustaining Plan
11 Billions of Dollars 529 s: A Precedent for State Action $300.0 $250.0 Assets in 529 Plans Nationally (Billions) $227.1 $253.2 $247.9 $200.0 $190.7 $150.0 $129.9 $133.4 $157.4 $164.9 $100.0 $50.0 $- $105.7 $104.9 $82.5 $64.7 $45.8 $26.9 $2.4 $3.3 $3.9 $5.8 $9.3 $ Source: College Savings Plan Network
12 A National Movement 2013 Work and Save
13 A National Movement Jo 2017 Work and Save
14 Continuum of Possible Action in States Step 1: Study the issue How big is the retirement insecurity problem? Does the state have a role to play? See Vermont and Oregon Step 3: Pass Implementation Legislation Step 3: Pass A Feasibility Study What would the program look like? Who Would use the program? See California and Connecticut Step 3: Implement Program Note: States can choose to skip study steps, if they feel there is consensus and they can build of existing research.
15 National Context- Highlights 2012: Massachusetts passed plan for non-profits California passed feasibility study 2013: Oregon passed study of retirement security 2014: Minnesota and Connecticut each passed a feasibility study 2015: Illinois (D), Oregon (D) and Washington (D) governors sign new laws Utah Senate and Virginia pass studies unanimously 2016: New Jersey (R), Maryland (R), Connecticut (D) and California (D) governors sign new laws 2017: Governor of Vermont (R) signs law. Oregon and Massachusetts go live. New Mexico and Arkansas pursue studies. 2018: California and Illinois expected to go live. Dozens of states likely to consider laws.
16 Various Models Discussed in States Studying Retirement Insecurity Feasibility Study Marketplace Voluntary IRA Auto IRA Multiple Employer Plan Multi-tier Approach Utah Minnesota Washington* West Virginia Illinois* Vermont* NYC Comptroller Virginia California New Jersey* North Dakota Oregon* Philadelphia* Massachusetts** New Hampshire Nebraska NYC Philadelphia South Carolina Wisconsin Connecticut Virginia Indiana Utah North Carolina Tennessee Montana Connecticut* Maryland* New Jersey Kentucky Ohio Colorado New York Massachusetts** Minnesota Arizona Kentucky Rhode Island * Legislation being implemented California* ** Massachusetts implementing a plan for small non profits Note- double listings are not mistakes, they reflect multiple bills under consideration Updated June 2017
17 Questions? Sarah Mysiewicz Gill Senior Legislative Representative State Financial Security & Consumer Affairs Additional Resources: AARP s Public Policy Institute State Retirement Savings Resource Center
Work and Save. August 8, 2016
Work and Save August 8, 2016 Households at Risk of Financially Insecure Retirement on the Rise Percent of Households at Risk of Not Having Sufficient Retirement Savings 60% National Retirement Risk Index,
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