Planning for retirement is important for employees and their employers. In the public sector, pension reform is arguably one of the most significant fiscal challenges facing many states and municipalities today.

Although some plans are well-funded, in other places, if changes are not made, retirees, workers, and taxpayers will be left with rising costs and unpaid promises for years to come. Pew works to help states and cities design and adopt retirement systems that are equitable, affordable, and fiscally sustainable—while at the same time preserving governments’ ability to recruit and retain a talented workforce.

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Employer-based Retirement Plan Access and Participation

Who’s in, who’s out

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Workers in the United States accumulate the vast majority of their retirement savings through employer-based plans, but large gaps in coverage exist. Pew’s analysis shows that more than 30 million workers report they do not have access to an employer-based retirement plan