Retirement Readiness Scorecard: A State by State Analysis
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1 Retirement Readiness Scorecard: A State by State Analysis Diane Oakley Executive Director SIRS Symposium August 6, 2015 Seattle, WA
2 Agenda Overview of Findings Retirement Income Key Retirement Cost Labor Market for Older Workers Trend Analysis Your State Financial Security Scorecard Conclusions Q&A 2
3 Why State Financial Security Scorecards? Scorecard summarizes the financial security outlook for each state s aging population. State-level demands on policymakers to ease economic pressures for aging population. Informs policy discussion by highlighting areas in need of attention. 3
4 Primary Findings There is room for improvement in all states in one or more measure of financial security for future retirees. Retirement Income scores are relative and savings levels fall well below benchmarks designed to help individuals reach adequate levels of income to maintain living standards. States must remain vigilant over time. Scorecard identifies potential priorities for lowest performing states. 4
5 Overall Scores
6 Scorecard Categories Retirement Income Retiree Costs Labor Market Private workplace retirement plan participation Average defined contribution account balance Marginal tax rate on pension income Medicare out-ofpocket costs Medicaid generosity Housing cost burden Unemployment rate for people aged 55 years old and older. Median hourly earnings (real) for people aged 55 years old and older 6
7 7
8 Retirement Income Scores
9 Retirement Income Participation, Savings and Taxes IL CA 9
10 Retiree Cost Scores
11 Retiree Costs Medicare, Medicaid and Housing WY FL 11
12 Labor Market Scores
13 Labor Market for Older Workers Unemployment, Median Hourly Wage NH SC 13
14 Highest Scoring States, 2012 Wyoming, Alaska, Minnesota, and North Dakota. Relatively strong labor markets (oil related), lower retiree costs. Still weak on potential retirement income. For example, North Dakotans had an average DC account balance of $27,700, which was less than half Median earnings of $56,
15 Lowest Scoring States, 2012 California Very low potential retirement income especially workplace retirement plan access--and very high retiree costs. Middle-ranking labor market. Florida Very high retiree costs and low wages for older workers. Also State has low workplace retirement plan access. South Carolina Very low potential retirement income and low labor market scores. Middle range retiree costs. 15
16 Reality Check: Areas of Concern in Most or All States: Income No state does well on retirement plan coverage. Only 54 percent of private employees participated in a retirement plan in best performing state Iowa. Average coverage rate declined to 46 percent in 2012 from 52.3 percent in No state has retirement savings equal to average income. Average DC account balance was $30,345. Wisconsin had the highest average DC balance of $45,600 among participating workers. This amount was less than their average annual pay of $66,000. Connecticut s average DC account balance of $27,975 was one-third of average income. 16
17 Reality Check: Areas of Concern in Most or All States: Costs 31 states had more than 30 percent of older households experiencing a housing cost burden (paying >30% of income) in 2012, up from 14 in Average Medicare out of pocket expenses were $1,745. Florida has the highest Medicare out of pocket cost at $2,014, while Hawaii had the lowest of $1,342. State Medicaid spending on the elderly varied greatly from a high of $29,177 (NY) to a low of $2,407 (NM) while the average Medicaid spending was $16,
18 Reality Check: Areas of Concern in Most or All States: Labor Improving the future financial security of an aging workforce requires ensuring good employment options for older workers. Older workers suffered more from higher unemployment and lower wages in lowerranked states in 2012 than they did in earlier years. Working longer recommended to have more time to build savings. 18
19 Interactive State Scorecard Map View on 19
20 In A Click, Maryland s Financial Security Scorecard 20
21 Historical Data for 2000, 2007, 2012 for Each State 21
22 Conclusions There is room for improvement in all states in one or more measures of financial security for future retirees, including reversing trends. Retirement plan coverage in private sector has declined in nearly all states and retirement savings in DC accounts likely to fall short. State Financial Security Scorecard present an easy to understand picture of financial future for working families in the state and helps to identify potential priorities for improving future outcomes. 22
23 Questions? National Institute on Retirement Security
Webinar July 30, :00 a.m. ET
State Financial Security Scorecards Economic Pressures Facing Future Retirees Webinar July 30, 2015 11:00 a.m. ET 1 Agenda Logistics & Introductions Report Overview Conclusions Q&A 2 Speakers Diane Oakley
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