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American Economic Review: Vol. 102 No. 3 (May 2012)

AER Volume. 102, Issue 3 | Previous ArticleNext Article

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AER - All Issues

AER Forthcoming Articles

Effectiveness of Employer-Provided Financial Information: Hiring to Retiring

Article Citation

Clark, Robert L., Melinda Sandler Morrill, and Steven G. Allen. 2012. "Effectiveness of Employer-Provided Financial Information: Hiring to Retiring." American Economic Review, 102(3): 314-18.

DOI: 10.1257/aer.102.3.314

Abstract

Workers plan and save for retirement throughout their careers. Individuals must navigate complex financial instruments and understand public and employer-provided retirement plan characteristics. Beginning when a worker is first hired, most employers provide the option to contribute to retirement saving plans. As workers near retirement, they face many choices that have considerable consequences for their retirement income security. At these two important periods, employers can provide timely information assisting workers in making choices that optimize lifetime wellbeing. Our research, conducted in cooperation with several large employers, illustrates the importance of employer-provided education in increasing worker understanding of several retirement-related issues.

Article Full-Text Access

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Authors

Clark, Robert L. (NC State U)
Morrill, Melinda Sandler (NC State U)
Allen, Steven G. (NC State U)

JEL Classifications

D14: Personal Finance
D91: Intertemporal Consumer Choice; Life Cycle Models and Saving
J26: Retirement; Retirement Policies
J31: Wage Level and Structure; Wage Differentials