Valuing Assets in Retirement Saving Accounts

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The goal of this study is to evaluate alternative options for encouraging employee saving in the workplace. The study will summarize a range of different policy options, including changes in the limits on employee contributions to pension plans, changes in the structure of non–discrimination rules, and changes in the incentives for firms to offer pension plans for their workers. Each of these is an alternative mechanism for increasing employee participation in retirement saving programs. The project will describe the potential impact of these policies on the flow of contributions to retirement saving accounts, and also indicate the potential disadvantages or costs of using each of these options. It will also summarize the existing empirical evidence on the potential impact of these options. Note that the project was originally titled: “Policies to Encourage Employee Saving in the Workplace.”