Participation in and Contributions to 401(k) Pension Plans: Evidence from Plan Data

Leslie Papke

Journal of Human Resources, 1995, vol. 30, issue 2, 311-325

Abstract: 401(k) plans differ from traditional employer-sponsored pension plans in that employees are permitted to make voluntary pre-tax contributions. Hence, the sensitivity of participation and contributions to plan characteristics-notably the employer matching rate-may play a critical role in retirement saving. Using plan level data from Form 5500s filed annually with the Internal Revenue Service, I find that substantial increases occur when an employer moves from a zero to a small or moderately sized match; but that at higher match rates employee contributions fall.

Date: 1995
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Working Paper: Participation in and Contributions to 401(k) Pension Plans: Evidence om Plan Data (1992)
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Persistent link: https://EconPapers.repec.org/RePEc:uwp:jhriss:v:30:y:1995:i:2:p:311-325

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