Retirement Plan Design

Retirement Plan Design icon
How plan design affects savings and retirement decisions

Retirement plan design influences savings and retirement decisions. The TIAA Institute explores such issues as trends in plan design, the effect simplifying investment choices has on decision-making, plan fee fairness, and others. 


February 2016

Because a plan’s administrative costs are ultimately paid by participants, plan sponsors are obligated to allocate administrative fees in a fair and appropriate manner. 

August 2015

Does the expectation of employer-provided health insurance in retirement encourage faculty members to retire earlier and save less than faculty who do not expect to receive this benefit?

August 2015

How prepared for retirement are college and university faculty, and what influences their level of confidence?

Research Reports

December 2017

Many retirement plan participants lack the financial knowledge needed to manage their portfolios on their own, underscoring the importance of advice.

June 2017

To preserve retirement wealth, IRAs and employer-sponsored defined contribution plans typically impose a penalty on early withdrawals. How might individuals respond if the penalty were lifted?

June 2017

Many defined contribution plans pay benefits as a lump sum, putting retirees’ lifetime income security at risk. Longevity income annuities address this concern.