Now available: Participant Account View, which mirrors participants’ online accounts so you can better provide support and guidance. Go to the Participant Look-Up in the Tools section under Plan Management to try it out.

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Research Findings

Our Research Findings

At T. Rowe Price, we're on a mission to enable and encourage individuals to reach their retirement goals—with confidence. We invest in retirement plan and participant behavior research for one very important reason: It helps us identify insights and trends that we can use to create products and services that drive outcomes.

Our Latest Findings

See how we transform research into action for our plan sponsor and advisor clients.

New Perspectives on Financial Wellness

Our most recent annual survey of 401(k) plan participants found that social inequality persists in defined contribution plans, retirees still need financial wellness guidance, and most struggle with prioritizing competing financial goals.
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Decoding Retiree Spending

Employers, as sponsors of defined contribution plans, can play a role in providing retirees with tools to help draw down their defined contribution plan assets in retirement.

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How the Coronavirus Is Affecting Retirement Saving

The coronavirus pandemic has caused upheavals in the markets, the workplace, and the home. What will be the effects on retirement saving?
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Understanding Preretirees’ Retirement Income Preferences

Our research found that providing preretirees with retirement experiences rather than just products can help them make informed decisions about savings drawdown.
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401(k) Plan Participants Report More Confidence

Retirement plan participants are more confident about their financial futures than those who don't participate, regardless of income or assets. A 2019 T. Rowe Price research study found that people who participate in a 401(k) plan are 16% more likely to be confident about their retirement than those who don't participate (even though they are eligible) or don't have access.
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Helping Millennial Women Close the Retirement Savings Gap

The wage gap and lifetime income gap between men and women present many challenges for those preparing for retirement. Recent research from T. Rowe Price finds that while there is slight progress among women saving for retirement, the gap between men's and women's retirement savings persists—a likely follow-through resulting from lower lifetime earnings.
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Retaining Retirees in Plans: A New Trend

A 2018 study by T. Rowe Price found that nearly 40% of plan sponsors are encouraging participants to stay in their defined contribution (DC) plans after retirement. Learn more about this emerging trend and its potential impact.
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Planning for Unexpected Health Care Costs in Retirement

While the majority of retirees won't experience a shock, everyone needs to plan for it.
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Living in Retirement

New research from T. Rowe Price finds that retirees who were (or currently are) participants in 401(k) plans are generally confident and optimistic about their futures.
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Health Care Costs in Retirement

A NEW WAY TO CALCULATE HEALTH CARE COSTS IN RETIREMENT. A recent survey from T. Rowe Price found that retirees list health care as their top spending concern. That's not surprising given some studies' six-figure predictions on costs. However, we believe that there's a more effective - and less intimidating - way to calculate and plan for future retiree health care expenses.
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The DC System

Retirees' Experience Exceeds Expectations - What is a successful retirement? Our research shows that retired workers are faring better than current workers expect to fare (Figure 1), and better than what they had expected themselves.
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Advice Revisited

The 401(k) recordkeeper increasingly is playing a central role in a participant's financial life. With more participants than ever seeking help and advice in financial decisions from their 401(k) plan's provider, the recordkeeper is becoming the go-to source for tools and support - not just for retirement planning, but for all the participant's financial decisions.
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Value of 401k

Does a successful 401(k) plan influence a company's profitability? It's a question T. Rowe Price wanted to answer. What we found was intriguing. The result: Significant correlations exist.
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Focus on Generation X

Analysis of Gen X participants reveals important considerations for plan sponsors and advisors.
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Financial Priorities and Advice

Our annual participant survey, Retirement Savings and Spending, examines the attitudes and behaviors of 401(k) plan participants to provide insights for plan sponsors and their advisors.
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Plan Sponsor Study

Human resources and benefits professionals can face a great number of challenges in creating a strong retirement program. In HR Perspectives: A Survey of Larger 401(k) Plans, we take a look at these challenges and help sponsors assess how well their plans are helping participants prepare for retirement.
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The Silent 170K

Nearly 170,000 participants in plans at T. Rowe Price contributed $50 or less in 2016. Data showed that this "Silent 170K" engaged far less than their peers. How do we gain their attention and get them to act?
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Assessing New Retirees

How are new retirees managing in retirement? Our research suggests that they're faring quite well. In fact, many 401(k) participants are transitioning with considerable assets and high satisfaction.
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Reference Point
Benchmark your plan with our yearly report.

FiduciarySource
Stay up to date on your fiduciary obligations with our package of resources.

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Important Information: Read the press statement for updated information on T. Rowe Price Associates, Inc.'s (TRPA) proposal to launch a new separate SEC-registered U.S. investment adviser, T. Rowe Price Investment Management, Inc. (TRPIM). TRPA will transition six of our investment strategies to TRPIM on March 7, 2022.

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