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EBRI Issue Brief – August 2009
Individual Account Retirement Plans: An Analysis of the 2007 Survey of Consumer Finances, With Market Adjustments to June 2009
Median asset levels in defined contribution (401(k)) and IRA/Keogh plans dropped at least 15 percent from year-end 2007 to mid-June 2009, reflecting the significant downturn in the economy, according to an analysis of Federal Reserve data published today by the nonpartisan Employee Benefit Research Institute (EBRI). Press release
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EBRI Issue Brief – July 2009
What Does Consistent Participation in 401(k) Plans Generate?
This Issue Brief presents recently available longitudinal data from the EBRI/ICI 401(k) database on consistent participation in a 401(k) plan, through year-end 2007. Looking at consistent participants in the EBRI/ICI 401(k) database over the eight-year period from 1999 to 2007, the average 401(k) account balance increased at an annual growth rate of 9.5 percent over the period, to $137,430 at year-end 2007. The median 401(k) account balance (half above, half below) increased at an annual growth rate of 15.2 percent over the period, to $76,946 at year-end 2007. Data for 2008 are currently being analyzed and are expected to be published later this year.
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EBRI Notes – August 2009
‘Health Insurance Coverage of Individuals Ages 55–64, 1994–2007’ and ‘The Basics of Social Security, Updated With the 2009 Board of Trustees Report’
Adults ages 55–64 were one of two groups—the other was children—most likely to have health insurance coverage in 2007, according to a study of the older age group released today by EBRI. Press release
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EBRI Notes – July 2009
More Detail on Lump-Sum Distributions of Workers Who Have Left a Job, 2006
This article examines workers’ decisions to a take a lump-sum distribution—a one-time payment—from an employment-based retirement plan when changing jobs, while remaining in the labor force. It builds on earlier, top-line data from the 2004 Survey of Income and Program Participation (SIPP). This study provides estimates of the percentage of workers changing jobs and leaving their assets in their former employers’ plan, compares the standard of living of individuals age 55 or older with that of their early 50s, and assesses how the current near-elderly and elderly have fared after making a lump-sum decision. Press release
