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White Papers

BEYOND AUTOMATION: Lessons from behavioral finance to drive better outcomes

If you are reading this paper, surely at some point you have heard the common industry notion that trying to communicate with Defined Contribution (DC) plan participants is a waste of time and money. In fact, it has become almost a default position that retirement outcomes can only be marginally impacted by participant communication programs. In a recent Cerulli survey, DC plan recordkeepers ranked “financial education” as the least effective strategy for encouraging retirement savings—behind auto-escalation, auto-enrollment, simplified enrollment process, adjusting the match formula, and even simplifying the investment menu.

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