Immigrant–native differences in employment-based retirement plan participation*

Bradley Heim, Ithai Z. Lurie and Shanthi Ramnath

Journal of Pension Economics and Finance, 2012, vol. 11, issue 3, 365-388

Abstract: This paper examines differences between immigrant and native employees in retirement plan participation using SIPP data. We find that the participation rate among natives is 60 percent, while the native-immigrant participation gap ranges from 10.9 percentage points for naturalized citizens to 35.4 percentage points for non-permanent residents. Controlling for demographic and job characteristics can explain up to half of the gap. Decomposing the overall immigrant-native difference into differences in employer offers, plan eligibility, and plan take-up shows that the likelihood of working for an employer that offers a plan is the primary driver of the overall gap.

Date: 2012
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Persistent link: https://EconPapers.repec.org/RePEc:cup:jpenef:v:11:y:2012:i:03:p:365-388_00

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