TY  - BOOK
AU  - Wilkins,Rafael,editor
TI  - Retirement security: national and international efforts to expand coverage 
T2  - Retirement issues, plans and lifestyles
SN  - 9781634850018
AV  - HD7105.45.U6 
U1  - 332.67254 23
PY  - 2016///]
CY  - New York
PB  - Nova Publishers
KW  - Pension trusts
KW  - United States
KW  - BUSINESS & ECONOMICS / Finance
KW  - bisacsh
KW  - fast
KW  - Electronic books
N1  - Minimal Level Cataloging Plus; Includes bibliographical references and index; RETIREMENT SECURITY NATIONAL AND INTERNATIONAL EFFORTS TO EXPAND COVERAGE ; RETIREMENT SECURITY NATIONAL AND INTERNATIONAL EFFORTS TO EXPAND COVERAGE ; CONTENTS ; PREFACE ; Chapter 1 RETIREMENT SECURITY: FEDERAL ACTION COULD HELP STATE EFFORTS TO EXPAND PRIVATE SECTOR COVERAGE* ; WHY GAO DID THIS STUDY ; WHAT GAO RECOMMENDS ; WHAT GAO FOUND ; ABBREVIATIONS; BACKGROUND ; Efforts to Expand Workplace Retirement Savings Program Coverage in the United States; Automatic Enrollment ; Saver's Credit ; myRA; Legislative Proposals; Federal Regulation of Employee Benefit Plans and Individual Retirement Accounts ERISA Preemption; GAPS IN ACCESS LEAVE MANY LOW-INCOME AND OTHER WORKERS WITHOUT WORKPLACE RETIREMENT SAVINGS PROGRAM COVERAGE; Lack of Coverage Is Driven by Gaps in Access ; Lower Income Workers and Those Employed by Smaller Firms Are Much Less Likely to Have Coverage; Given Access, Most Workers Participate ; STATES AND OTHER COUNTRIES USE SIMILAR KEY STRATEGIES TO EXPAND RETIREMENT COVERAGE ; States and Countries We Reviewed Often Combine Workplace Access, Automatic Enrollment, and Financial Incentives; Workplace Access Automatic Enrollment ; Financial Incentives ; States Can Learn from Other Countries' Experiences Implementing another Key Strategy -- Simplifying Administration and Investment Management ; While Implementation of State Efforts Would Likely Increase Coverage, Some Private Sector Workers May Remain Uncovered ; STATES FACE POTENTIAL CHALLENGES WITH LEGAL UNCERTAINTIES THAT COULD DELAY OR DETER THEIR EFFORTS TO EXPAND COVERAGE WITHOUT FEDERAL ACTION ; ERISA Preemption ; Other Issues Causing Legal Uncertainty ; CONCLUSION ; MATTER FOR CONGRESSIONAL CONSIDERATION; RECOMMENDATION FOR EXECUTIVE ACTION AGENCY COMMENTS AND OUR EVALUATION ; APPENDIX I: OBJECTIVES, SCOPE, AND METHODOLOGY ; Section 1: Examining Estimates of Retirement Program Access and Participation and Characteristics of Workers Who Lack Coverage ; SIPP and IRS/SSA data ; Data Reliability; Methods for Examining Retirement Program Coverage ; Literature Review and Interviews ; Section 2: Examining Strategies Used in State Efforts to Expand Coverage and the Potential Challenges States Could Face Given Existing Federal Law and Regulations ; List of State Efforts ; State Case Studies; Section 3: Examining Strategies Used in Other Countries' Efforts to Expand Coverage APPENDIX II: DESCRIPTION OF EFFORTS TO SIMPLIFY ADMINISTRATION AND INVESTMENT MANAGEMENT OF WORKPLACE RETIREMENT SAVINGS PROGRAMS ; Reducing Administrative Burden and Cost for Employers ; Use Employers' Existing Payroll Processes ; Allow Small Employers to Choose Whether to Participate and Other Efforts to Recognize Resource Limitations of Small Employers ; Other Actions to Reduce Administrative Burden for Employer
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ER  -