1、 https:/crsreports.congress.gov Updated March 18, 2022State-Administered IRA Programs: Overview and Considerations for CongressOverview While Congress addresses retirement security at the national level and establishes federal pension and other savings incentives, several states have enacted or impl
2、emented state-administered retirement savings programs to increase retirement plan access and savings among private-sector workers. Because retirement plans, such as 401(k)s or defined benefit plans, are optional for employers to adopt, some workers may not have access to employment-based retirement
3、 benefits. In March 2021, 32% of private-sector workers did not have access to a workplace retirement plan. State-administered retirement programs are intended to provide savings options for workers without a workplace plan. States are taking a variety of approaches to these programs, including the
4、following: retirement marketplaces, in which employers and individuals can purchase a savings plan through different state-approved providers; multiple-employer plans, in which unrelated businesses may jointly sponsor a 401(k) plan; and payroll deduction Individual Retirement Accounts (IRAs), in whi
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