
Data & Research
The Potential Impact of 401(k) Loan Default Protection
Research from the Employee Benefit Research Institute shows 401(k) plan loan defaults that occur as a result of job changes or terminations are a significant, but addressable, source of retirement account leakage.

The Biggest Retirement Plan Leakage Triggers and Costs for Participants
The paper finds that about 25% of contributions by pre-retirement-age individuals leaked between 2003 and 2005, and that this increased to roughly one-third in 2010.

Improving Outcomes | Emergency Funds
Data & Research
Data & Research
Life Happens
When participants have no choice but to draw from their retirement plan.

The Year in Hardship Withdrawals and Leakage
Recordkeepers say their worst fears about plan leakage during 2020 have not come to pass, and in fact, the vast majority of participants have stayed the course.
What Constitutes Retirement Plan Leakage, Really?
Depending on how exactly one defines the term, estimates of 'leakage' from defined contribution retirement plans vary considerably.
Addressing Plan Leakage with Sidecar Accounts
Bipartisan legislation has been introduced in the Senate to address retirement plan leakage; among the opportunities being discussed by industry stakeholders is the use of “sidecar” emergency savings accounts.
CRR Makes Recommendations for Improving Retirement System
In a letter to the Department of Labor, researchers for the Center of Retirement Research at Boston College make policy recommendations to address defined contribution plan portability and access, among other things.