The Case for State Programs
Building a Secure Retirement: Collaborative Solutions for America’s Future (Bipartisan Policy Institute, June 2025)
Economic Insecurity for Older Adults in a High-Cost State (Center for Retirement Research at Boston College, May 2025)
Have State Auto-IRAs and Fintech Shifted Who Contributes to IRAs? (Center for Retirement Research at Boston College, March 2025)
Closing the Retirement Savings Gap (The Harkin Institute at Drake University, March 2025)
Retirement Plan Access Among Low-Wage Workers in 2024: Implications for SECURE 2.0 (Washington University Center for Social Development, March 2025)
The Retirement Plan Access Gap (Bipartisan Policy Center, November 2024)
Auto-enroll state retirement savings policies significantly increase savings rates (Gusto, November 2024)
Deepening our Understanding of Savings Automation in Retirement and Non-retirement Contexts (University of Pennsylvania Wharton Pension Research Council, October 2024)
Why Do Employers Establish Retirement Savings Plans? Evidence from State “Auto-IRA” Policies (Georgetown Center for Retirement Initiatives, August 2024)
Small Employers’ Economics of Offering Retirement Savings Plans (Pew Charitable Trusts, July 2024)
Americans’ Views of State-Facilitated Retirement Programs (National Institute on Retirement Security, May 2024)
A Massachusetts Auto-IRA Program (Center for Retirement Research at Boston College, March 2024)
State IRA Programs Improve Odds That Firms Set Up a 401(k) (Center for Retirement Research at Boston College, July 2023)
State Automated Retirement Programs Would Reduce Taxpayer Burden From Insufficient Savings (Pew Charitable Trusts, May 2023)
Welfare Effects of Automatic-IRAs (Lafayette College, April 2023)
What can we learn about automatic enrollment into pensions from small employers? (National Tax Journal, June 2021)
State Program Design and Lifetime Income Research
State-sponsored Pensions for Private-Sector Workers: The Case for Pooled Annuities and Tontines (Wharton Pension Research Council, July 2020)
State Program Administrative Issues
Customer Identification Program Rules Hamper Effectiveness of Automatic IRA Programs (Bipartisan Policy Institute, October 2024)
Will Auto-IRA Programs Affect Medicaid Enrollment (Center for Retirement Research at Boston College, October 2024)
State Program Impact Research Using Program Administrative Data
New Evidence on the Efficacy of State-Based Retirement Programs: The Case of OregonSaves (Journal of Public Economics, May 2025)
Nudging Policies and Retirement Saving: Evidence and Theory from State Auto-IRA Programs (Joint Committee on Taxation, November 2024)
State Automated Retirement Savings Programs Continue to Compliment Private Savings Plans (Pew Charitable Trusts, April 2023)
Auto-Enrollment Retirement Plans in OregonSaves (University of Michigan Retirement and Disability Research Center, September 2021)
Auto-IRA Rollout Gradually Speeding Up (Center for Retirement Research at Boston College, March 2020)
Participation and Pre-Retirement Withdrawals in Oregon’s Auto-IRA (Center for Retirement Research at Boston College, November 2019)
State Program Impact Research Using Tax or Census Data
State Auto-IRA policies and firm behavior: Lessons from administrative tax data (Journal of Public Economics, July 2025)
How Do State Retirement Savings Policies Affect Labor Supply? (Georgetown Center for Retirement Initiatives, March 2025)
State Automated Retirement Programs Don’t Crowd Out Private Plans (Pew Charitable Trusts, November 2024)
Does a Requirement to Offer Retirement Plans help low-income workers save for retirement? Early evidence from the OregonSaves program (Contemporary Economic Policy Journal, July 2024)
How Do Firms Respond to State Retirement Plan Mandates? (National Bureau of Economic Research, June 2023)
Research on the Relationship Between Auto-IRAs and Emergency Savings
Enhancing Retirement Wealth and Reducing Retiree Inequality: Emergency Savings Accounts and Other Policy Options (University of Pennsylvania Wharton Pension Research Council, April 2025)
Would Auto-IRAs Affect How Low-Income Households Cope with Emergency Expenses (Center for Retirement Research at Boston College, August 2024)
The Effect of a Universal Automatic IRA With Emergency Savings on Household Wealth (AARP, December 2023)
Analysis of Federal Proposals
Federal Saver’s Match, Coming in 2027, Could Boost Automated Retirement Savings Programs (Pew Charitable Trusts, September 2025)
Impacts of the Retirement Savings for Americans Act: A Preliminary Analysis (RAND Corporation, August 2025)
Future Proofed! Federal Automatic IRA for an Easy Retirement (Cornell Policy Group, January 2025)
Congress Could Be Your Next Workplace Retirement Plan Sponsor (Bloomberg Law, April 2023)
State-Administered IRA Programs: Overview and Considerations for Congress (Congressional Research Service, March 2022)