NAPA Net - Polling Places 070717

Are Roths Rising?

A recent survey found the biggest one-year increase in Roth contribution offerings among its clients in 2016, and another recently chronicled the potential impact of a switch to Roth for 401(k)s.

Question Title

1. What has happened with the adoption of Roth provisions in the plans you work with over the past two years?

It's increased - a lot.

It's increased some.

It's been pretty flat.

It's decreased some.

I haven't really noticed.

Other (please specify)

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2. In the plans you work with that offer a Roth feature, what's the participant take up rate?

0-5%

5-10%

10-15%

More than 15%

I've no idea

Other (please specify)

Question Title

3. If the law changed, and the pre-tax preferences for 401(k) were replaced with a mandatory Roth, how do you think yourplan sponsor clients would respond?

Status quo - as long as the preferences for providing the plan didn't change.

They'd consider dropping the plan

They'd consider reducing employer contributions

They'd worry about participant reaction.

They'd ramp up education.

I've no idea.

The responses would vary.

Other (please specify)

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4. If the law changed, and the pre-tax preferences for 401(k) were replaced with a mandatory Roth, how do you think the plan participants you work with would respond?

It wouldn't affect their contribution rate.

Many would reduce their contributions.

Some would likely reduce their contributions, but most would leave them.

Some would likely increase their contributions, but most would leave them.

Many would increase their contributions

I've no idea.

Other (please specify)

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5. Do you have a Roth feature in your workplace retirement savings plan?

Yes.

No.

Not sure.

Not yet.

Other (please specify)

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6. If you have a Roth feature in your workplace retirement savings plan, do you take advantage?

Yes - for some of my contributions

Yes - for all of my contributions.

No.

Not yet.

Other (please specify)

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7. If the law changed, and the pre-tax preferences for 401(k) were replaced with a mandatory Roth, what would YOU do?

It wouldn't affect my contribution rate.

It wouldn't affect my contribution rate - I'm already 100% Roth.

I would reduce their contributions.

I would increase my contributions.

I'm not sure.

Other (please specify)

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8. Any other comments on Roth, a shift to Roth, responses to a shift to Roth, reactions to presumed responses to Roth, or trends in pre-and post-tax savings generally?

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9. What is your role working with retirement plans?

Advisor

Provider

TPA

Plan sponsor

Recordkeeper

Other (please specify)

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10. What size plans do you PRIMARILY work with?

Under $10 million in assets

$10-$20 million

$20-$50 million

$50-100 million

$100 million - $250 million

$250 million - $500 million

Above $500 million

Other (please specify)

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11. Suggestions for future survey questions?

Question Title

12. All responses are anonymous and confidential, of course - but if you'd like me to know who you are, or allow for a response, you can leave your email below...

Question Title

* 1. What has happened with the adoption of Roth provisions in the plans you work with over the past two years?

Question Title

* 2. In the plans you work with that offer a Roth feature, what's the participant take up rate?

Question Title

* 3. If the law changed, and the pre-tax preferences for 401(k) were replaced with a mandatory Roth, how do you think yourplan sponsor clients would respond?

Question Title

* 4. If the law changed, and the pre-tax preferences for 401(k) were replaced with a mandatory Roth, how do you think the plan participants you work with would respond?

Question Title

* 5. Do you have a Roth feature in your workplace retirement savings plan?

Question Title

* 6. If you have a Roth feature in your workplace retirement savings plan, do you take advantage?

Question Title

* 7. If the law changed, and the pre-tax preferences for 401(k) were replaced with a mandatory Roth, what would YOU do?

Question Title

* 8. Any other comments on Roth, a shift to Roth, responses to a shift to Roth, reactions to presumed responses to Roth, or trends in pre-and post-tax savings generally?

Question Title

* 9. What is your role working with retirement plans?

Question Title

* 10. What size plans do you PRIMARILY work with?

Question Title

* 11. Suggestions for future survey questions?

Question Title

* 12. All responses are anonymous and confidential, of course - but if you'd like me to know who you are, or allow for a response, you can leave your email below...

1. What has happened with the adoption of Roth provisions in the plans you work with over the past two years?

2. In the plans you work with that offer a Roth feature, what's the participant take up rate?

3. If the law changed, and the pre-tax preferences for 401(k) were replaced with a mandatory Roth, how do you think yourplan sponsor clients would respond?

4. If the law changed, and the pre-tax preferences for 401(k) were replaced with a mandatory Roth, how do you think the plan participants you work with would respond?

5. Do you have a Roth feature in your workplace retirement savings plan?

6. If you have a Roth feature in your workplace retirement savings plan, do you take advantage?

7. If the law changed, and the pre-tax preferences for 401(k) were replaced with a mandatory Roth, what would YOU do?

8. Any other comments on Roth, a shift to Roth, responses to a shift to Roth, reactions to presumed responses to Roth, or trends in pre-and post-tax savings generally?

9. What is your role working with retirement plans?

10. What size plans do you PRIMARILY work with?

11. Suggestions for future survey questions?

12. All responses are anonymous and confidential, of course - but if you'd like me to know who you are, or allow for a response, you can leave your email below...