How About a Roth Option for Employer Contributions?

One of the revenue-raising provisions currently in the EARN (Enhancing American Retirement Now) Act is a provision that would permit an employee to elect to treat employer matching and other employer contributions as after-tax Roth contributions.  This week we’d like to know if you think it will catch on? 
 
Now, being in that legislation now – and making it into the final (not to mention the inevitable reconciliation with the version passed by the U.S. House of Representatives) – isn’t a sure bet.  But it IS projected to raise some $12 billion in revenue for the government (people opting to pay taxes now with the embrace of a Roth alternative) – and so…well, you just never know.
 
That said, and with concerns about inflation and future tax rates high, this week we’d like to know if you think (a) plans will offer this and (b) if participants will take advantage.

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* 1. Generally speaking, would your plan sponsor clients allow/encourage participants to do this?

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* 2. Assuming it was offered, do you think there would be participant interest in treating employer matching contributions as after-tax Roth contributions?

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* 3. Assuming it was offered, would YOU take advantage?

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* 4. Other comments about Roth, converting pre-tax contributions to Roth, the complications in providing tax options to participants, the benefits of providing tax options to participants, government accounting on the take up rates of providing tax options to participants, or life in general?

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

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

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* 7. Suggestions for future survey questions?

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* 8. 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...

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