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This article analyzes data from the U.S. Census Bureau's Current Population Survey to examine trends in labor force participation and employment in the United States. It highlights the increase in the proportion of the population ages 65 or older and the decrease in the share of the labor force that is prime working ages (25-64). The article also discusses how labor force participation rates vary by race/ethnicity. The data shows that participation rates for the oldest and youngest individuals had smaller declines in 2020, and there were variations in participation rates between males and females. The document also presents data on the changing age and gender composition of the population over time, with the Baby Boom generation having a significant impact. It shows that the proportion of prime working-age Americans has declined since the mid-1990s, while the share of those ages 55 and older in the labor force has increased. The text also highlights the distribution of the labor force by age and gender, with the male share being higher but narrowing over time. It also discusses labor force participation rates by race/ethnicity, with Hispanic Americans having the highest rates and Black Americans having the lowest rates. The data suggests a decline in labor force participation rates for all races/ethnicities, followed by a recent rebound. The overall labor force participation rate has remained relatively stable, with slight decreases for men and increases for women. The aging of the Baby Boom generation has resulted in an increased share of older individuals in the labor force. The brief from the [Extracted from the article]

This article discusses the findings of the Employee Benefit Research Institute's analysis of the impact of the SECURE 1.0 and 2.0 Acts on retirement security. The study shows that retirement readiness has improved slightly from 2019 to 2022, with more individuals projected to have sufficient income in retirement. The analysis focuses on specific provisions of the acts, such as emergency withdrawals and catch-up contributions, and their impact on retirement security. Overall, the study reveals improvements in retirement security, particularly for younger cohorts. The article also highlights the importance of considering diverse perspectives and provides sources for further research. [Extracted from the article]

The Retirement Confidence Survey conducted in 2024 found that Americans' confidence in having enough money for retirement has not fully recovered from a drop in 2023. The survey also revealed that many workers and retirees have not adequately prepared for retirement. This Issue Brief focuses on the retirement prospects, knowledge, preparations, and experiences of military households compared to non-military households. Key findings include that military households are more likely to have higher levels of financial assets, less likely to consider debt a problem, and more confident in their retirement prospects. However, military households still face challenges such as career changes, preserving retirement assets, and working in retirement. The report emphasizes the importance of understanding the unique retirement and healthcare benefits available to military households. [Extracted from the article]

The given text provides a comprehensive analysis of the status of American families' accumulations in individual account (IA) retirement plans based on the 2022 Survey of Consumer Finances. It discusses the types of retirement plans that families have and the factors that influence their participation in these plans. The text also provides data on the average and median values of individual retirement accounts (IRA) and defined contribution (DC) plan balances for different demographic categories. It emphasizes the importance of IA plans for retirement savings and suggests that any policy changes to the system could have implications for Americans' ability to fund a comfortable retirement. The document is a collection of various research papers and issue briefs from the Employee Benefit Research Institute (EBRI) on retirement plans and savings, analyzing data from surveys and databases to provide insights into participation rates, account balances, and asset allocation. However, it does not provide a comprehensive analysis of all retirement plans and income sources, such as defined benefit plans and Social Security. [Extracted from the article]

This article provides an analysis of labor force participation and employment trends among Americans aged 55 and older. It examines data from the U.S. Census Bureau's Current Population Survey, focusing on age, gender, and race. The study reveals fluctuations in labor force participation rates across different age and gender groups, an increase in the labor force share of individuals aged 65-69, and changes in labor force participation rates among various racial groups. The report offers a comprehensive overview of the aging workforce in the United States, emphasizing the importance for employers to recognize and accommodate the evolving demographics and diversity of older workers. [Extracted from the article]

The article informs about the demographics and investment trends in 401(k) plans, highlighting the dominance of equity investments, widespread usage of target date funds, and the availability of plan loans with a low uptake. Topic include Younger participants show a higher propensity for equity investment, while target date funds remain popular for diversified portfolios, and only a small fraction of eligible participants take out loans against their accounts.

The article focuses on SECURE 2.0 legislation's provision to change the Saver's Credit to a match, aimed at increasing savings for lower income workers, scheduled to take effect in 2027. It evaluates the expected number of workers eligible for the match based on historical tax data, highlighting the potential impact on retirement savings and administration of qualified retirement plans.

The article offers information on how student loan debt affects 401(k) contributions and participant behavior, using data from 401(k) plan recordkeepers linked with banking data. Topics include the impact of student loan debt on 401(k) contributions, differences in contribution rates based on income, and the effect of student loan payments on account balances.

The article discusses trends in retirement plan participation based on the March Current Population Survey (CPS) data, emphasizing the importance of worker-level data for understanding variations in retirement plan participation. Topics include the impact of the CPS redesign, adjustments using new variables, and disparities in retirement plan participation among different demographic groups.

The article offers information on the changes in 401(k) plan asset allocation among consistent participants over a four-year period from 2016 to 2020. The three key findings include relatively stable equity exposure, an increase in target date fund usage among older participants, and a high level of persistence in target date fund investing across all age groups.

The article focuses on the 2023 EBRI Financial Wellbeing Employer Survey, revealing that employers are increasingly adding or improving financial wellbeing programs to enhance worker satisfaction and productivity. Topics discussed include the key factors in measuring program success, the importance of cost-benefit analysis in program development, top issues and areas of focus for financial wellness initiatives.

The article explores how irregular spending spikes impact 401(k) plan participants. It investigates changes in credit card use, plan contributions, and loan usage when participants face significant expenses beyond their means. It further considers demographic factors and aims to provide insights for policymakers and plan providers to enhance retirement readiness.

The article, authored by Sarah Holden, Steven Bass, and Craig Copeland, analyzes the loan activity of consistent 401(k) plan participants over the years 2016-2020, shedding light on the trends and patterns of 401(k) plan loans. Topics include the analysis of loan usage trends, the impact of age and tenure on loan activity, and the relationship between account balances and loan sizes among 401(k) plan participants.

The article presents the findings from the 2023 Retirement Confidence Survey which aimed to measure attitudes toward, preparations for, and understanding of issues on retirement by U.S. workers and retirees. Topics include descriptions of caregivers' tasks and the impact on them, experience with financial services companies and employers, and workplace retirement savings plans.

The article discusses trends in labor force participation and employment in the U.S. from 2019-2022, based from the U.S. Census Bureau's Current Population Survey (CPS), available from the Bureau of Labor Statistics. Topics include labor force participation rates among the population ages 55 or older, age and gender composition of the population and labor force ages 55 or older, and labor force participation of those ages 16 or older, by rate/ethnicity.

The article offers information about the a longitudinal analysis of 401(k) plan participants from the Employee Benefit Research Institute (EBRI) database. It discusses ways participants can accumulate retirement assets over time, as changes in account balances for the entire database are not a reliable measure of how individual participants have fared due to changing samples of providers, plans, and participants.

The article discusses a study that examined trends in tenure with current employers of wage and salary workers in the U.S. from 1983 to 2022, based on U.S. Census Bureau data from the Current Population Survey. Among its key findings involved median tenure of wage and salary workers ages 25 or older, movement of median tenures by gender, and distinctions in tenure distributions between private-sector and public-sector workers.

The article offers information about the Plan Asset Allocation, Account Balances, and Loan Activity in 2020. It discusses about the various factors that affect 401(k) participants' account balances, plan loan activity varies with participant age, tenure, and account balance, and Investment Options.

The article informs about the fifth annual Employee Benefit Research Institute Financial Wellbeing Employer Survey reveals that financial wellbeing programs are being added or improved to increase worker satisfaction and retention. Topics include costs continue to be reported as the top challenge in offering financial wellbeing programs; and decrease in the share of employers saying their programs are pilot programs, with a corresponding increase in those considered a periodic/ad hoc program.

The article offers information on spending and saving behavior of public-sector defined contribution plan participants. Topics discussed include that the public-sector workers have been covered by defined benefit (DB) plans that pay annuities or guaranteed income on retirement; whereas the private-sector employers offer defined contribution (DC) plans; and discussed on important features of retirement plans in America for public and private sector employees.

The article presents the discussion on attitudes, considerations, and behaviors surrounding the retirement of women workers and retirees of different marital statuses. Topics include married women workers being more likely confidentl having enough money for living comfortably throughout the retirement years; and married and divorced women workers saving and investing for retirement among the top three longer-term financial planning priorities.

The article presents a report on an analysis of 401(k), retirement plans, participants drawn from the 401(k) database and the 1.3 million consistent participants over the nine-year period from year-end 2010 to year-end 2019. It reports on the need of a consistent sample to gauge changes, such as growth in account balances, experienced by individual participants over time. It also highlights the rise in the average 401(k) plan account balance for consistent participants each year from 2010.

The article reports on the highlights of the 32nd Retirement Confidence Survey (RCS) to measure attitudes on the various issues/products for retirement by U.S. workers and retirees, including lesbian, gay, bisexual, transgender and queer (LGBTQ) workers and retirees. The survey also identified the differences in experiences, behaviors and attitudes of workers in relation to financial management and retirement.

The article examines the financial situations of Americans who live in urban areas versus those who do not live in rural areas by using the Survey of Income and Program Participation from the U.S. Census Bureau.