OREGONSAVES: A SOLUTION FOR RETIREMENT SAVINGS AMONG WORKING WOMEN IN OREGON https://doi.org/10.26419/res.00060.002 Not unlike many Americans, workers in Oregon are not saving enough money to live comfortably in their retirement years. While many individual circumstances detract people from saving or saving enough, the lack of access to a retirement savings plan through an employer is probably the most critical. OregonSaves is a first-of-its-kind retirement savings plan designed to provide a savings option for those without access to an employer plan. In Oregon, there are currently about 1 million workers without access to an employer sponsored retirement savings plan that could potentially be eligible for this program. 1 Eligible workers, through payroll deduction, could contribute into an individual retirement account. Based on the results of a DHM survey commissioned by AARP, most, ages 18 to 64, support OregonSaves. This summary looks specifically at women s responses to the survey. OREGON WOMEN NEED TO SAVE MORE FOR RETIREMENT MANY NEED ACCESS TO A WAY TO SAVE The majority of Oregonian women ages 18 through 64 are working either full- or part-time for an employer or are self-employed, and about one in seven (15%) are working a second job or doing something to earn extra money outside of their main source of income. Employment Status (n=501 Oregonian ages 18 64) Employed full-time 42% Employed part-time 19% Self-employed full-time 10% Self-employed part-time 5% Retired/Not working 8% Unemployed and looking for work 5% Not in labor force 9% Not sure 0% Refused 1% 1 in 7 working Oregonian women work at another job to earn extra money 1 IN 4 WORKING OREGONIAN WOMEN DO NOT HAVE ACCESS TO EMPLOYER RETIREMENT SAVINGS PLANS While most of women working for an employer say their employer provides a traditional/ defined pension plan (21%) or a 401k defined contribution savings plan (49%), nearly one in four (23%) says their employer does not offer a retirement savings plan. However, most working women in Oregon say they are not making regular contributions to a personal retirement savings plan like an IRA (66%) or to other personal investments in stocks or mutual funds (75%). Employer Plans Offered (n=305 Oregon women working for employer) Traditional defined benefit/pension 21% 401k or 403b defined contribution plan 49% Employer does not offer a plan 23% Not sure 10% Refused 1% 1 Source: Center for Retirement Research at Boston College. Based on Current Population Survey March Supplement 2015. https://digital.osl.state.or.us/islandora/object/osl%3a74354/datastream/obj/view OREGONSAVES A SOLUTION FOR RETIREMENT SAVING AMONG WORKING WOMEN IN THE STATE Nov. 2017 1
There are many obstacles to saving rent or mortgage payments, student loans for self or children, or credit card balances. Saving for retirement can also be difficult on a low income. Data from this survey show that one in five (20%) Oregonian women ages 18 to 64 report annual incomes of less than $30,000 and almost one in three (31%) report annual incomes less than $50,000. Still, many women (62%) are contributing to a personal savings account that is not a formal retirement savings plan like an IRA or employer plan. MOST WORKING OREGON WOMEN AGES 18-64 ARE JUST NOT SAVING ENOUGH FOR RETIREMENT Unfortunately, data from this survey indicate that many working women ages 18-64 in Oregon may not be saving enough for their retirement years just two in four (41%) report they currently have less than $50,000 in total savings (investments, certificates of deposits, stocks, bonds, mutual funds, employer sponsored savings plans except pensions and not including home ownership). Perhaps more notable is that nearly one in four says they have less than $5,000 in total savings. So it is not surprising to see that, like most Americans, the majority of Oregonian women ages 18 to 64 wish they had more money saved for their retirement years. Amount of Money in Savings (n=501 Oregonian women ages 18-64) Nothing in savings 5% Less than $5000 23% $5000 but less than $10,000 7% $10,000 but less than $25,000 6% $25,000 but less than $50,000 4% $50,000 but less than $100,000 7% $100,000 but less than $500,000 11% $500,000 or more 6% Not sure/don t know 6% Refused 25% 2 in 4 have less than $50,000 in total savings 1 in 4 have less than $5,000 in total savings 1 in 6 have less than $1,000 in total savings OREGON WOMEN THINK SAVING FOR RETIREMENT WHILE WORKING IS EXTREMELY IMPORTANT, AND THEY FULLY SUPPORT OREGONSAVES AS A WAY TO HELP WORKERS SAVE ages 18 to 64 in Oregon think it is extremely important (64%) for people to be able to save money for their retirement years while they are working. And almost one-third (31%) say it is very important. And after hearing a brief description of the OregonSaves program, they show strong support for it half say they would strongly support the program, and another one in four say they would somewhat support it. And if given the opportunity to participate in OregonSaves, most are likely to do so with over two in five (42%) saying they are extremely or very likely to participate in it, and one in four (25%) saying they are somewhat likely. Level of Importance: Saving for Retirement While Working (n=501 Oregonian ages 18-64) Level of Support: OregonSaves Retirement Savings Program (n=501 Oregonian ages 18-64) Extremely important 64% Strongly support 56% Very important 31% Somewhat support 27% Somewhat important 4% Neither 7% Not very important 0% Somewhat oppose 1% Not important at all 0% Strongly oppose 3% Not sure 1% Not sure 6% Refused 0% Refused 1% 0% 20% 40% 60% 80% 100% 0% 20% 40% 60% 80% 100% OREGONSAVES A SOLUTION FOR RETIREMENT SAVING AMONG WORKING WOMEN IN THE STATE Nov. 2017 2
DHM/AARP SURVEY: OREGONSAVES July 27 to August 3, 2017 18-64 year old Oregon Weighted N=501; ±4.4% margin of error 15 minutes DHM Research Hello, this is calling from (NAME), a national opinion research firm. We are not telemarketers and are not trying to sell you anything. We are interested in your thoughts about saving money for retirement in Oregon. Your views are very important and we would greatly appreciate your participation. Your personal responses to these questions are confidential and a summary of the combined responses of all respondents will be made available in the next few months. SCREENER S1. Our study is interested in the opinions of certain age groups. Could you please tell me your age as of your last birthday? N=501 18-24 9% 7% 25-34 28% 25% 35-54 42% 43% 55-64 22% 25% 65+ -- Refused/Missing -- S2. And just to confirm, are you a resident of Oregon? N=501 Yes 100% 100% No -- S3. GENDER RECORD BY OBSERVATION. ASK ONLY IF ABSOLUTELY NECESSARY: To ensure it is recorded accurately, could you please state your gender? N=501 Male 50% ---- Female 50% 100% Non-binary or gender non-conforming -- -- Refused/Missing -- -- OREGONSAVES A SOLUTION FOR RETIREMENT SAVING AMONG WORKING WOMEN IN THE STATE Nov. 2017 3
EMPLOYMENT STATUS 1. I d like to ask you a few general questions about your work status. Which of the following best describes your current employment status? Are you (READ EACH ANSWER CATEGORY) N=501 Self-employed full-time 12% 10% Self-employed part-time 5% 59% Employed full-time 48% 42% Employed part-time 14% 19% Retired and not working at all (SKIP TO Q7) 6% 8% Unemployed and looking for work (SKIP TO Q4, THEN GO Q7) 5% 5% Not in the labor force for other reasons (SKIP TO Q7) 9% 11% (DON T READ) Not sure/don t know (SKIP TO Q7) 0% 0 (DON T READ) Refused (SKIP TO Q7) 1% 0 2. And do you do something to earn extra money that is not your main source of income or work at another job? n=789 OR workers N=377 OR working women Yes 14% 15% No 85% 85% (DON T READ) Not sure/don t know 0% 0 (DON T READ) Refused 0% 0 3. (If Q2 = 1) Can you tell me what you do? (OPEN) n=114 OR workers with 2 nd jobs N=55 OR working women with 2 nd jobs Maintenance, repairs 9% 6% Internet-related 8% 7% Second job, part-time work 8% 9% Lessons, teach classes 7% 6% Coach 6% 3% Babysitting, child care 6% 9% Artist, arts, crafts 6% 10% Landscaping 4% 4% Farming, livestock 4% 0% Animal care 3% 4% Customer service 3% 5% AirBNB 3% 5% Consultant 2% 4% Home care provider 2% 3% All other responses 2% or less 2% or less Refused 5% 4% OREGONSAVES A SOLUTION FOR RETIREMENT SAVING AMONG WORKING WOMEN IN THE STATE Nov. 2017 4
FINANCIAL RETIREMENT READINESS 4. Thinking about your future, do you hope to be able to completely retire one day and not work either full-or part-time for pay? n=789 OR Workers n=377 OR Working Yes 85% 87% No 9% 7% (DON T READ) Haven t thought about 6% 6% it/don t know (DON T READ) Refused 0% 0 5. And at what age do you think you ll be able to completely retire and no longer work? (Open) n=789 OR Workers n=377 Working Mean age 64.1 64.5 Don t know 7% 8% Refused 6% 7% 6. (ASK ONLY IF Q1= 3 OR 4 EMPLOYED) Which of the following ways to save for retirement does your current employer provide do they provide? (MULTIPLE RESPONSES ALLOWED) (READ EACH ANSWER CATEGORY) A. A traditional pension plan- a defined benefit plan? (If asked, a defined benefit plan supplies retirees with a monthly income, typically based on a formula of salary and years of service. It is not a 401(k) plan). B. A 401k or 403b defined contribution plan? (If asked, a defined contribution plan allows you to make contributions from your salary to an individual account set up in your name.) n=619 OR Full/PT Workers n=305 Oregon Full/ PT Working Yes, Plan A 26% 63% Yes, Plan B 51% 49% (DON T READ)My employer doesn t offer a plan 20% 23% (DON T READ)Don t know/not sure 8% 10% (DON T READ)Refused 1% 1% (ALL RESPONDENTS) Are you making regular contributions to any of the following:(rotate 7-9, read 10 last) Q7, Q8, Q9, Q10 ALL Respondents ages 18-64 N=1,003 Yes No Not sure/ Don t know Refused 7. A personal retirement savings plan such as IRA or thrift savings plan 33% 63% 1% 3% 8. A personal savings account 61% 35% 0% 4% 9. Other personal investments in stocks, mutual funds 24% 72% 1% 3% 10. Something else 14% 81% 3% 3% OREGONSAVES A SOLUTION FOR RETIREMENT SAVING AMONG WORKING WOMEN IN THE STATE Nov. 2017 5
Q7, Q8, Q9, Q10 ALL Respondents Oregonian ages 18-64 N=501 Yes No A personal retirement savings plan such as IRA or thrift savings plan Not sure/ Don t know Refused 32% 66% 1% 2% A personal savings account 62% 36% 0 2% Other personal investments in stocks, mutual funds 23% 75% 0 2% Something else 11% 84% 2% 2% 11. In your opinion, how important is it for people to be able to save money for their retirement years while they are working? Extremely important 58% 64% Very important 35% 31% Somewhat important 5% 4% Not very important 0% 0 Not important at all 1% 0 (DON T READ) Not sure/don t know 1% 1% (DON T READ) Refused 0% 0 12. Finances are a private matter and I want to respect that privacy. Rather than ask anything specific about your total savings, please just stop me when I read the broad range that includes in total, about how much money you currently have in savings and investments. Please include savings, certificates of deposits, stocks, bonds, mutual funds, employersponsored retirement savings plans, and other investments, but do not include the value of pension plans or your primary residence. Is it..? (DON T READ) Nothing in savings 4% 5% Less than $500 10% 10% Less than $1000 6% 6% $1000 but less than $5000 8% 7% $5000 but less than $10,000 7% 7% $10,000 but less than $25,000 6% 6% $25,000 but less than $50,000 5% 4% $50,000 but less than $75,000 4% 4% $75,000 but less than $100,000 3% 4% $100,000 but less than $150,000 4% 5% $150,000 but less than $200,000 2% 2% $200,000 but less than $500,000 5% 5% $500,000 but less than $1,000,000 3% 3% $1,000,000 or more 1% 1% (DON T READ) Not sure/don t know 6% 6% (DON T READ) Refused 26% 25% OREGONSAVES A SOLUTION FOR RETIREMENT SAVING AMONG WORKING WOMEN IN THE STATE Nov. 2017 6
13. Do you currently have any of the following types of loans or obligations.. (MULTIPLE RESPONSES ALLOWED)? A credit card balance that is not paid in full every month? 29% 31% A mortgage payment? 37% 40% A student loan? 20% 20% A loan that you pay on a vehicle like a car, truck or motorcycle 32% 32% loan? Cash that you owe to other family or friends? 4% 3% (DON T READ) None of these 25% 24% (DON T READ) Not sure/don t know 1% 1% (DON T READ) Refused 5% 3% 14. As you think about your finances in the future, how anxious do you feel about having enough money to live comfortably through your retirement years? Are you (READ EACH ANSWER CATEGORY) Extremely anxious 11% 13% Very anxious 17% 17% Somewhat anxious 35% 36% Not very anxious 21% 18% Not at all anxious 14% 14% (DON T READ) Not sure/don t know 2% 2% (DON T READ) Refused 1% 0 15. Given the amount you currently have saved, do you wish you had more money saved for your retirement years? Yes 83% 84% No 12% 11% (DON T READ) Not sure/don t know 4% 49% (DON T READ) Refused 1% 0 OREGONSAVES A SOLUTION FOR RETIREMENT SAVING AMONG WORKING WOMEN IN THE STATE Nov. 2017 7
16. Where do you currently get your financial or investment information and advice? (DO NOT READ RESPONSE LIST IF NEEDED, prompt with Do you get them from certain people, written sources, certain media sources? What are they?) COLLECT OPEN-END n=or Family or friends 27% 31% Professional brokerage or financial advisor 21% 19% No one, I do not seek out any financial 14% 15% information/advice Myself 9% 8% The internet (general mention) 8% 6% Employer or union representative 6% 8% Bank or banker 7% 7% Media, TV/Newspapers (general mention) 4% 4% People (general mention) 3% 3% Insurance company/agent 1% 0% Classes 1% 1% Financial newspapers (e.g. WSJ, financial weeklies) 1% 1% Financial TV or radio broadcast (e.g. CNBC) 1% 0 All other responses Less than 1% 0 Don t know/refused 4% 3% 17. How concerned are you as a taxpayer that some Oregon residents have not saved enough money for retirement and could end up being reliant on public assistance programs? Extremely concerned 16% 18% Very concerned 28% 29% Somewhat concerned 31% 31% Not very concerned 13% 11% Not at all concerned 9% 8% (DON T READ) Not sure/don t know 2% 2% (DON T READ) Refused 1% 1% 18. Do you agree or disagree with the following statement: Being able to offer a voluntary, portable, retirement plan would help local small businesses attract and retain quality employees and stay competitive. Wait and ask: Is that strongly or somewhat? Strongly agree 45% 47% Somewhat agree 34% 35% (DON T READ) Neither agree nor 7% 9% disagree Somewhat disagree 3% 4% Strongly disagree 2% 2% (DON T READ) Not sure/don t know 6% 6% (DON T READ) Refused 1% 0 OREGONSAVES A SOLUTION FOR RETIREMENT SAVING AMONG WORKING WOMEN IN THE STATE Nov. 2017 8
STATE PLAN As you may know or have heard, the OregonSaves retirement program was recently approved by the state legislature and is in place for implementation in the state. The program is for private sector employees who do not have access to a retirement plan at work. The legislation would provide an opportunity for these individuals to voluntarily enroll in a retirement savings account and make contributions to their account through automatic payroll deductions. The program would be similar to how a 401k plan works. It would be managed by a private sector financial institution. Oregon would oversee the program with no cost to taxpayers. The account will be portable so that participants can take their account with them if they switch employers. 19. Do you support or oppose this program? Wait and ask: Is that strongly or somewhat? Strongly support 52% 56% Somewhat support 27% 27% (DON T READ) Neither support nor oppose 7% 7% Somewhat oppose 2% 1% Strongly oppose 5% 3% (DON T READ) Not sure/don t know 6% 6% (DON T READ) Refused 1% 1% 20. (IF Q6=3) Would you say you are extremely likely, very likely, somewhat likely, not too likely, or not at all likely to participate in this OregonSaves retirement program? n=127 OR workers without employer plan n=71 OR Working without employer plan Extremely likely 12% 11% Very likely 27% 31% Somewhat likely 25% 29% Not too likely 14% 11% Not at all likely 7% 5% (DON T READ) Not sure/don t know 13% 12% (DON T READ) Refused 1% 0 21. (ALL RESPONDENTS) Do you have any family or friends who are working for an employer that does not offer them a company retirement savings plan like a pension or 401k? 501 OR Yes 47% 47% No 36% 36% (DON T READ) Not sure/don t know 16% 16% (DON T READ) Refused 1% 1% 22. (IF Q21=1) How likely will you be to recommend this OregonSaves retirement plan to them? Will you be extremely likely, very likely, somewhat likely, not too likely, or not at all likely to recommend this option to them? n=472 family/friends without employer plan n=239 OR s family/friends without employer plan Extremely likely 21% 24% Very likely 30% 26% Somewhat likely 27% 27% Not too likely 6% 7% Not at all likely 8% 5% (DON T READ) Not sure/don t know 9% 10% (DON T READ) Refused 0% 0 OREGONSAVES A SOLUTION FOR RETIREMENT SAVING AMONG WORKING WOMEN IN THE STATE Nov. 2017 9
AWARENESS OF STATE PROGRAM 23. Before this survey, have you read, seen, or heard anything about this state retirement savings program called OregonSaves? Yes 20% 18% No 76% 79% (DON T READ) Not sure/don t know 4% 3% (DON T READ) Refused 1% 0 24. (IF Q23=1) How did you hear about this state retirement savings program? Was it through (Multiple responses allowed) n=197 who heard of program n=or who heard of program Family or friends 16% 19% Your employer (manager, colleagues or coworkers) 10% 10% In a state or local newspaper 33% 34% TV or radio story 37% 37% Online/Internet 8% 8% Some other source can you specify? (RECORD ANSWER) 4% 4% (DON T READ) Not sure/don t know 2% 2% (DON T READ) Refused 1% 1% DEMOGRAPHICS 25. What is your current marital status? Are you currently (READ EACH ANSWER CATEGORY)? Married 51% 51% Not married, living with your partner 6% 6% Separated 1% 1% Divorced 6% 7% Widowed 2% 3% Single and never been married 32% 30% (DON T READ) Not sure/don t know n=4 0% (DON T READ) Refused 2% 2% 26. IF Q25 = 1 ASK: Are you or your spouse currently a member of A-A-R-P? IF Q25 = 2 ASK: Are you or your partner currently a member of A-A-R-P? If Q25 = 3-99 ASK: Are you currently a member of A-A-R-P? Yes 11% 13% No 87% 85% (DON T READ) Not sure/don t know 1% 1% (DON T READ) Refused 1% 1% OREGONSAVES A SOLUTION FOR RETIREMENT SAVING AMONG WORKING WOMEN IN THE STATE Nov. 2017 10
27. What is the highest level of education that you completed? (READ EACH ANSWER CATEGORY) 0-12 th grade (no diploma) 1% 1% High school graduate (or equivalent) 18% 16% Post-high school education (no degree) 14% 15% 2-year college degree 21% 22% 4-year college degree 28% 30% Post-graduate study (no degree) 6% 5% Graduate or professional degree 10% 10% (DON T READ) Not sure/don t know n=2 1% (DON T READ) Refused/Missing 2% 1% 28. Are you of Hispanic, Spanish, or Latino origin or descent? Yes 6% 6% No 92% 92% (DON T READ) Not sure/don t know 0 0 (DON T READ) Refused 2% 2% 29. What is your race? Are you (READ EACH ANSWER CATEGORY)? Black or African American 2% 1% White or Caucasian 84% 85% American Indian or Alaska Native 1% 1% Asian 2% 2% Native Hawaiian or other Pacific 1% 0 Islander Other: (RECORD ANSWER) 4% 4% (DON T READ) Not sure/don t know 1% 1% (DON T READ) Refused/Missing 5% 5% 30. Do you own or rent your primary residence? Own 55% 56% Rent 25% 26% Live with family 15% 15% Live with friends 1% 0 (DON T READ) Something else 0 1% (DON T READ) Not sure/don t know 0 0 (DON T READ) Refused/Missing 3% 2% OREGONSAVES A SOLUTION FOR RETIREMENT SAVING AMONG WORKING WOMEN IN THE STATE Nov. 2017 11
31. Do you own a business where you employ and pay at least one person who is not family or a friend? Yes 6% 4% No 92% 95% (DON T READ) Not sure/don t know 1% 1% (DON T READ) Refused 1% 0 32. Do you currently or have you ever served in the United States Military? Yes, currently serve 1% 0 Yes, served in the past 7% 3% No, never served 91% 96% (DON T READ) Not sure/don t know n=3 0 (DON T READ) Refused 1% 1% 33. Party (punch from sample as available) OR Do you consider yourself to be a.? (RANDOMIZE 1-3, read 4 last) Democrat 35% 39% Republican 23% 22% Independent 42% 40% Something else (RECORD ANSWER) -- (DON T READ) Not sure/don t know -- (DON T READ) Refused/Missing -- 34. How would you characterize your political views? (READ EACH ANSWER CATEGORY.) Very conservative 9% 9% Somewhat conservative 16% 15% Moderate 36% 34% Somewhat liberal 17% 17% Very liberal 13% 17% (DON T READ) None of the 3% 4% above/something else (DON T READ) Not sure/don t know 2% 2% (DON T READ) Refused/Missing 4% 3% 35. Zip (RECORD FROM SAMPLE) OR ask: What is your 5-digit ZIP Code? 36. County (RECORD FROM SAMPLE) OR ask: And can you tell me what county you live in? Tri-County 43% 42% Willamette Valley 27% 26% Rest of State 30% 32% Refused/Missing -- 0 OREGONSAVES A SOLUTION FOR RETIREMENT SAVING AMONG WORKING WOMEN IN THE STATE Nov. 2017 12
37. Finally, we realize income is a private matter and so rather than ask you anything specific about your income; I d like to ask you to please stop me when I get to the category that includes your household s income before taxes in 2016. Was it (INSERT AND READ EACH ANSWER CATEGORY IN ORDER)? Less than $10,000 5% 6% $10,000 to less than $20,000 7% 6% $20,000 to less than $30,000 7% 9% $30,000 to less than $50,000 10% 11% $50,000 to less than $75,000 13% 10% $75,000 to less than $100,000 12% 11% $100,000 to less than $150,000 9% 9% $150,000 to less than $200,000 4% 4% $200,000 or more 3% 3% (DON T READ) Not sure/don t know 5% 5% (DON T READ) Refused/Missing 25% 27% That was our last question for tonight. Thank you very much for taking the time to help us out. Have a great day/night! Research Methodology and Statement of Limitations: DHM Research conducted a telephone survey of 1,003 Oregon residents aged 18 to 64. The survey fielded from July 27 to August 3, 2017, and took approximately 15 minutes to complete. Respondents were contacted by a live interviewer from a list of registered voters, which included cell phones. In gathering responses, a variety of quality control measures were employed, including questionnaire pre-testing and validation. Quotas were set by age, gender, and area of the state to ensure a representative sample. The margin of error for this survey is ±3.1%. OREGONSAVES A SOLUTION FOR RETIREMENT SAVING AMONG WORKING WOMEN IN THE STATE Nov. 2017 13
AARP is the nation s largest nonprofit, nonpartisan organization dedicated to empowering Americans 50 and older to choose how they live as they age. With nearly 38 million members and offices in every state, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands, AARP works to strengthen communities and advocate for what matters most to families with a focus on health security, financial stability and personal fulfillment. AARP also works for individuals in the marketplace by sparking new solutions and allowing carefully chosen, high-quality products and services to carry the AARP name. As a trusted source for news and information, AARP produces the nation's largest circulation publications, AARP The Magazine and AARP Bulletin. To learn more, visit www.aarp.org or follow @AARP and @AARPadvocates on social media. About DHM Research: DHM Research has been providing opinion research and consultation throughout the Pacific Northwest and other regions of the United States for over four decades. The firm is nonpartisan and independent, and specializes in research projects to support public policy-making. AARP staff from the Oregon State Office, AARP Research, Campaigns, State Advocacy and Strategy Integration (SASI), contributed to the design, implementation, and reporting of this study. Thanks go to AARP staff including Jerry Cohen and Joyce DeMonnin AARP Oregon State Office; Sarah Mysiewicz SASI; Patrick Hynes and Katie Gallehugh Campaigns; Cheryl Barnes AARP Research. Additional thanks go to Oregon State Treasury/OregonSaves Executive Director Lisa Massena and Public Engagement Manager, Joel Metlen; CFM Communications Strategist, Gary Conkling. Special thanks go to DHM staff Megan Wentworth, John Horvick, and Zoe Klingmann for fielding the survey, data tabulation, and preparation of the overall summary of findings. Jennifer Sauer of AARP wrote this summary of the findings for women respondents only. AARP Research For more information about this survey, please contact Jennifer Sauer at: 202-434-6207 or e-mail jsauer@aarp.org OREGONSAVES A SOLUTION FOR RETIREMENT SAVING AMONG WORKING WOMEN IN THE STATE Nov. 2017 14