Retirement plans can fall short before the cracks start to show. Learn how better benefits can help workers make confident financial decisions.

It’s Not Just About the Investments

Contrary to popular belief, the retirement savings gap isn’t always an investment problem. Employees can fall behind for everyday reasons: starting to save later, saving less than needed, or facing competing financial demands. Over time, those gaps can add up.

Consistency Is Key

Plan designs that encourage increasing savings can drive retirement readiness. Automatic enrollment with a higher default rate is a great place to start. A lower default rate of 3–6% should be paired with auto escalation. Employer matching formulas can encourage employees to earn the full match, boosting long-term savings.

A Plan for Everyone

For a multigenerational workforce, employers should balance simplicity with flexibility, pairing education and guidance with investments that adapt. Strong retirement benefits can build financial security for employees—and a more engaged, productive, and resilient workforce.

Sponsored by Associated Bank