Participation in and Contributions to 401(k) Pension Plans: Evidence from Plan Data
Abstract401(k) plans differ from traditional employer-sponsored pension plans in that employees are permitted to make voluntary pre-tax contributions. Hence, the sensitivity of participation and contributions to plan characteristics-notably the employer matching rate-may play a critical role in retirement saving. Using plan level data from Form 5500s filed annually with the Internal Revenue Service, I find that substantial increases occur when an employer moves from a zero to a small or moderately sized match; but that at higher match rates employee contributions fall.
Download InfoIf you experience problems downloading a file, check if you have the proper application to view it first. In case of further problems read the IDEAS help page. Note that these files are not on the IDEAS site. Please be patient as the files may be large.
Bibliographic InfoArticle provided by University of Wisconsin Press in its journal Journal of Human Resources.
Volume (Year): 30 (1995)
Issue (Month): 2 ()
Contact details of provider:
Web page: http://jhr.uwpress.org/
Other versions of this item:
- Leslie E. Papke, 1995. "Participation in and Contributions to 401(k) Pension Plans: Evidence om Plan Data," NBER Working Papers 4199, National Bureau of Economic Research, Inc.
- J26 - Labor and Demographic Economics - - Demand and Supply of Labor - - - Retirement; Retirement Policies
Please report citation or reference errors to , or , if you are the registered author of the cited work, log in to your RePEc Author Service profile, click on "citations" and make appropriate adjustments.:
- James M. Poterba & Steven F. Venti, 1994.
"401(k) Plans and Tax-Deferred Saving,"
in: Studies in the Economics of Aging, pages 105-142
National Bureau of Economic Research, Inc.
- James M. Poterba & Steven F. Venti & David A. Wise, 1995. "401(k) Plans and Tax-Deferred Saving," NBER Working Papers 4181, National Bureau of Economic Research, Inc.
- Poterba, J.M. & Venti, S.F. & Wise, D.A., 1992. "401(k) Plans and Tax-Deferred Savings," Working papers 92-14, Massachusetts Institute of Technology (MIT), Department of Economics.
- Montgomery, Edward & Shaw, Kathryn & Benedict, Mary Ellen, 1992.
"Pensions and Wages: An Hedonic Price Theory Approach,"
International Economic Review,
Department of Economics, University of Pennsylvania and Osaka University Institute of Social and Economic Research Association, vol. 33(1), pages 111-28, February.
- Edward B. Montgomery & Kathryn Shaw & Mary Ellen Benedict, 1990. "Pensions and Wages: An Hedonic Price Theory Approach," NBER Working Papers 3458, National Bureau of Economic Research, Inc.
- William E. Even & David A. MacPherson, 1994.
"Why did male pension coverage decline in the 1980s?,"
Industrial and Labor Relations Review,
ILR Review, Cornell University, ILR School, vol. 47(3), pages 439-453, April.
- Even, W.E. & Macpherson, D.A., 1991. "Why Did Male Pension Coverage Decline in the 1980s?," Working Papers 1991_08_01, Department of Economics, Florida State University.
- Schiller, Bradley R & Weiss, Randall D, 1980. "Pensions and Wages: A Test for Equalizing Differences," The Review of Economics and Statistics, MIT Press, vol. 62(4), pages 529-38, November.
- Stephen A. Woodbury & Daniel S. Hamermesh, .
"Taxes, Fringe Benefits, and Faculty,"
Upjohn Working Papers and Journal Articles
saw1992, W.E. Upjohn Institute for Employment Research.
This item has more than 25 citations. To prevent cluttering this page, these citations are listed on a separate page. reading list or among the top items on IDEAS.Access and download statisticsgeneral information about how to correct material in RePEc.
For technical questions regarding this item, or to correct its authors, title, abstract, bibliographic or download information, contact: ().
If references are entirely missing, you can add them using this form.