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Trends in Employer-Sponsored Retirement Plan Access and Participation Rates: Reconciling Different Data Sources

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Abstract

Analysts and representatives of the news media often get confused about American workers' retirement plan coverage due to the complexities behind multiple data sources. Namely, differing methodologies used by each source report different results. This research note updates previous attempts to explain the data differences and reports trends between 2000 and 2020 in two measures of employer-sponsored retirement plan coverage: access rate (the share of workers who are offered a retirement plan at work and are eligible to participate in them) and participation rate (the share of all workers who are participating in retirement plans offered at work). We also break down retirement plan access and participation rates by race, gender, and socio-economic status to report disparities in coverage.

Suggested Citation

  • Teresa Ghilarducci & Siavash Radpour & Michael Papadopoulos, 2021. "Trends in Employer-Sponsored Retirement Plan Access and Participation Rates: Reconciling Different Data Sources," SCEPA publication series. 2021-02, Schwartz Center for Economic Policy Analysis (SCEPA), The New School.
    • Handle: RePEc:epa:cepapb:2021-02
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    File URL: https://www.economicpolicyresearch.org/images/docs/research/retirement_security/Retirement_Plan_Access_and_Participation_-_Feb_2_-_V3.pdf
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    Cited by:

    1. Monique Morrissey & Siavash Radpour & Barbara Schuster, 2023. "Older Workers and Retirement Security: a Review," SCEPA working paper series. 2023-01, Schwartz Center for Economic Policy Analysis (SCEPA), The New School.

    More about this item

    Keywords

    older workers; recession; COVID-19; coronavirus; downward mobility; poverty; unemployment; wages; involuntary retirement; retirement; 401k; Medicare; Older Workers Bureau; racial disparities; disparities; inequality; coverage; retirement coverage;
    All these keywords.

    JEL classification:

    • E24 - Macroeconomics and Monetary Economics - - Consumption, Saving, Production, Employment, and Investment - - - Employment; Unemployment; Wages; Intergenerational Income Distribution; Aggregate Human Capital; Aggregate Labor Productivity
    • J30 - Labor and Demographic Economics - - Wages, Compensation, and Labor Costs - - - General
    • J38 - Labor and Demographic Economics - - Wages, Compensation, and Labor Costs - - - Public Policy
    • J60 - Labor and Demographic Economics - - Mobility, Unemployment, Vacancies, and Immigrant Workers - - - General
    • J88 - Labor and Demographic Economics - - Labor Standards - - - Public Policy
    • J58 - Labor and Demographic Economics - - Labor-Management Relations, Trade Unions, and Collective Bargaining - - - Public Policy

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