Got Way(s) to Improve the 401(k)?

Last week the Wall Street Journal had a full page piece (for those who still read the paper version) on “Five Ways to Improve 401(k)s." The five ways weren’t exactly new – and, it seems fair to say they aren’t even particularly controversial.  But this week, we’d like to know what YOU think.

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* 1. The Wall Street Journal highlighted 5 ways to improve the 401(k) - what do you think of their ideas?

  Great idea Good idea Meh idea Won't matter Shouldn't be in the top 5
Expand access to plans
Reduce 401(k) leakage
Make retirement savings last (include annuities as retirement plan option)
Raise the default savings rate (above 3%)
Save for things aside from retirement (separate emergency savings acct)

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* 2. Which one do you think would have the most impact on retirement savings?

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* 3. Which one do you think is most likely to be adopted/enacted in the next 12 months?

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* 4. Got something you like better?  If so, what?

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* 5. Other comments about ideas for improving the 401(k), articles about ideas for improving the 401(k), the need to improve the 401(k), the likely impact of ideas to improve the 401(k), or life in general?

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

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

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* 8. Suggestions for future survey questions?

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* 9. 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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