电梯游说
退休计划类型和作业移动性之间的关系比通常考虑的更复杂。While differences in plan features and benefit structure may directly affect employees’ mobility decisions (“incentive effect”), the type of plan offered may also affect the types of employees a given employer attracts (“selection effect”), thereby affecting mobility through a second, indirect channel. At the same time, some employees may not be able to accurately assess differences between plan types due to limited financial literacy. These factors have implications for policymakers and employers considering retirement plan offerings.
重要发现
凡好
员工偏好对于更高的工作流动性的员工偏好,较高工作流动性和增加的普遍率之间的关系部分是由员工偏好的推动。
管理固定收益计划和固定缴款计划之间的转换的选择结构是员工登记结果的关键。
考虑从固定收益计划向固定缴款计划转变的公司需要考虑对现有员工和新员工的影响。
cons
有证据表明,员工对额外的固定福利计划的价值很低,这可能部分是由于低财务知识。
即使是在雇主的固定收益计划和固定缴款计划之间做出主动选择(即填写完整的书面文件)的员工,也会受到雇主选择哪个计划作为默认计划的很大影响(即,如果没有选择,就参加计划)。
雇员刚刚开始职业生涯的退休计划估值需要更多的研究。