Human Resources
2013 Trends & Experience in Defined Contribution Plans Report | Aon

2013 Trends & Experience in Defined Contribution Plans


The employer-provided retirement system plays a critical role in helping participants meet their financial needs. Our research shows that for three quarters of employers, a defined contribution plan is the primary source of retirement income for their employees.

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This report, which highlights defined contribution plan design from over 400 plan sponsors employing more than 10 million workers, in plans that total nearly $500 billion in retirement assets—finds that sponsors are strengthening their plans in the following ways:

  • Refocusing the Dollars on Match: Dollar for dollar on 6% match is now the most common
  • Relaxing Eligibility Requirements: Trend to have more immediate plan eligibility
  • Broadening Roth Availability: Half of all plans now allow Roth deferrals
  • Improving Investment Choices: Ninety percent use institutional funds
  • Offering Savings Education: Three out of four plans have some form of advice



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