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401k Plan Asset Allocation Account Balances And Loan Activity In 2005
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Book Synopsis 401(K) Plan Asset Allocation, Account Balances, and Loan Activity in 2005 by : Sarah Holden
Download or read book 401(K) Plan Asset Allocation, Account Balances, and Loan Activity in 2005 written by Sarah Holden and published by . This book was released on 2007 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the past two decades, 401(k) plans have grown to be the most common type of employer-sponsored retirement plan in the United States, and now serve as the most popular defined contribution (DC) plan, as measured by number of participants and assets. In 2005, 47 million American workers were active 401(k) plan participants. By year-end 2005, 401(k) plan assets had grown to represent 17 percent of all retirement assets, with $2.4 trillion in assets. In an ongoing collaborative effort, the Employee Benefit Research Institute (EBRI) and the Investment Company Institute (ICI) collect annual data on millions of 401(k) plan participants as a means to accurately portray how these participants manage their accounts. This paper serves as an update of EBRI and ICI's ongoing research into 401(k) plan participants' activity through year-end 2005. The report includes two sections: The first focuses on account balance information for participants who consistently maintained accounts between 1999 and 2005. The second provides a snapshot of all 401(k) participants at year-end 2005, and reviews their account balances, asset allocations, and loan activity.
Book Synopsis 401(K) Plan Asset Allocation, Account Balances, and Loan Activity in 1999 by : Sarah Holden
Download or read book 401(K) Plan Asset Allocation, Account Balances, and Loan Activity in 1999 written by Sarah Holden and published by . This book was released on 2001 with total page 32 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Employee Benefit Research Institute (EBRI) and the Investment Company Institute (ICI) have been collaborating for the past four years to collect data on participants in 401(k) plans. This effort, known as the EBRI/ICI Participant-Directed Retirement Plan Data Collection Project, has obtained data for 401(k) plan participants from certain of EBRI and ICI members serving as plan record keepers and administrators. The EBRI/ICI database is large and representative of the 401(k) plan participant universe, as it pulls data from a variety of plan record keepers and administrators and covers a wide range of plan sizes. This report includes 1999 information on 10.3 million active participants in 32,674 plans with $573.4 billion in assets. The 1999 EBRI/ICI database accounts for 11 percent of all 401(k) plans, 26 percent of all 401(k) participants, and about 35 percent of the assets held in 401(k) plans. Key findings include: (1) For all 401(k) participants in the 1999 EBRI/ICI database, three-quarters of plan balances are invested directly or indirectly in equity securities. (2) The average account balance (net of plan loans) for all participants was $55,502 at year-end 1999, which is 18 percent higher than the average account balance at year-end 1998. (3) Investment options offered by plan sponsors influence participants' asset allocation. (4) The asset allocation of participants' account balances varies with age. Younger participants tend to concentrate their assets in equity fund investments, while older participants invest more in fixed-income securities.
Book Synopsis 401(K) Plan Asset Allocation, Account Balances, and Loan Activity in 2002 by : Sarah Holden
Download or read book 401(K) Plan Asset Allocation, Account Balances, and Loan Activity in 2002 written by Sarah Holden and published by . This book was released on 2006 with total page 41 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper examines asset allocation, account balance, and loan activity of a large representative group of 401(k) plan participants as of year-end 2002 using data gathered by the Employee Benefit Research Institute (EBRI) and the Investment Company Institute (ICI) in their collaborative effort known as the EBRI/ICI Participant-Directed Retirement Plan Data Collection Project. The EBRI/ICI 401(k) database is the most comprehensive source of 401(k) plan participant-level data available to date, containing 15.5 million active 401(k) plan participants in 46,310 plans with $618.6 billion in assets as of year-end 2002.
Book Synopsis 401(K) Plan Asset Allocation, Account Balances, and Loan Activity in 2001 by : Sarah Holden
Download or read book 401(K) Plan Asset Allocation, Account Balances, and Loan Activity in 2001 written by Sarah Holden and published by . This book was released on 2003 with total page 51 pages. Available in PDF, EPUB and Kindle. Book excerpt: This Issue Brief examines asset allocation, account balance, and loan activity of a large and representative group of 401(k) plan participants as of year-end 2001 using data gathered by the Employee Benefit Research Institute (EBRI) and the Investment Company Institute (ICI) in their collaborative effort known as the EBRI/ICI Participant-Directed Retirement Plan Data Collection Project. The EBRI/ICI 401(k) database is the most comprehensive source of 401(k) plan participant-level data available to date, containing 14.6 million active 401(k) plan participants in 48,786 plans with $632.7 billion in assets. The 2001 database accounts for 12 percent of all 401(k) plans, 33 percent of all 401(k) participants, and about 36 percent of the assets held in 401(k) plans.
Book Synopsis 401(K) Plan Asset Allocation, Account Balances, and Loan Activity in 2000 by : Sarah Holden
Download or read book 401(K) Plan Asset Allocation, Account Balances, and Loan Activity in 2000 written by Sarah Holden and published by . This book was released on 2006 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: This Issue Brief examines asset allocation, account balance, and loan activity of a large and representative group of 401(k) plan participants as of year-end 2000, using data gathered by the Employee Benefit Research Institute (EBRI) and the Investment Company Institute (ICI) in their collaborative effort known as the EBRI/ICI Participant-Directed Retirement Plan Data Collection Project. The EBRI/ICI data collection project is the most comprehensive source of 401(k) plan participant-level data available to date, and contains 11.8 million active 401(k) plan participants in 35,367 plans with $579.8 billion in assets. The 2000 database accounts for 11 percent of all 401(k) plans, 28 percent of all 401(k) participants, and about 33 percent of the assets held in 401(k) plans.
Book Synopsis 401(K) Plan Asset Allocation, Account Balances, and Loan Activity in 1998 by : Jack VanDerhei
Download or read book 401(K) Plan Asset Allocation, Account Balances, and Loan Activity in 1998 written by Jack VanDerhei and published by . This book was released on 2002 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Employee Benefit Research Institute (EBRI) and the Investment Company Institute (ICI) have been collaborating for the past three years to collect data on participants in 401(k) plans. This effort, known as the EBRI/ICI Participant-Directed Retirement Plan Data Collection Project, has obtained data for 401(k) plan participants from certain of EBRI and ICI members serving as plan record keepers and administrators. This report includes 1998 information on 7.9 million active participants in 30,102 plans holding nearly $372 billion in assets. The data include demographic information, annual contributions, plan balances, asset allocation, and loans, and are broadly representative of the universe of 401(k) plans. The database also includes three years of longitudinal information on approximately 3.3 million participants.
Book Synopsis 401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2006 by : Jack VanDerhei
Download or read book 401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2006 written by Jack VanDerhei and published by . This book was released on 2007 with total page 40 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the past two decades, 401(k) plans have grown to be the most widespread private-sector employer-sponsored retirement plan in the United States, and now serve as the most popular defined contribution (DC) plan, representing the largest number of participants and assets. In 2006, 50 million American workers were active 401(k) plan participants. By year-end 2006, 401(k) plan assets had grown to represent 16 percent of all retirement assets, with $2.7 trillion in assets. In an ongoing collaborative effort, the Employee Benefit Research Institute (EBRI) and the Investment Company Institute (ICI) collect annual data on millions of 401(k) plan participants as a means to accurately portray how these participants manage their accounts. This paper serves as an update of EBRI and ICI's ongoing research into 401(k) plan participants' activity through year-end 2006. The report is divided into five sections: The first describes the EBRI/ICI 401(k) database; the second focuses on changes in participant account balances over time, analyzing a group of consistent 401(k) participants; the third presents a snapshot of participant account balances at year-end 2006; the fourth looks at participants' asset allocations; and the fifth looks at participants' 401(k) loan activity.
Book Synopsis 401(K) Plan Asset Allocation, Account Balances, and Loan Activity in 2007 by : Jack VanDerhei
Download or read book 401(K) Plan Asset Allocation, Account Balances, and Loan Activity in 2007 written by Jack VanDerhei and published by . This book was released on 2008 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over the past two decades, 401(k) plans have grown to be the most widespread private-sector employer-sponsored retirement plan in the United States, and now serve as the most popular defined contribution (DC) plan, representing the largest number of participants and assets. In 2007, 48.5 million American workers were active 401(k) plan participants. By year-end 2007, 401(k) plan assets had grown to represent 17 percent of all retirement assets, with $3.0 trillion in assets. In an ongoing collaborative effort, the Employee Benefit Research Institute (EBRI) and the Investment Company Institute (ICI) collect annual data on millions of 401(k) plan participants as a means to accurately portray how these participants manage their accounts. This paper serves as an update of EBRI and ICI's ongoing research into 401(k) plan participants' activity through year-end 2007. The report is divided into four sections: The first describes the EBRI/ICI 401(k) database; the second presents a snapshot of participant account balances at year-end 2007; the third looks at participants' asset allocations, including a new analysis of 401(k) participants' use of lifecycle funds; the fourth focuses on participants' 401(k) loan activity.As with previous EBRI/ICI updates, analysis of a consistent sample of 401(k) participants (those that have been in the same plan since 1999) is planned; this additional analysis is expected to be published early in 2009. It should be noted that the year-end 2007 401(k) data reported in this analysis, by definition, do not reflect market losses or participant account activity in 2008. The impact of the 2008 financial market performance on average 401(k) balances is strongly affected by age and tenure of the individual participant, and it would be inaccurate to make a single estimate of an average 401(k) account outcome for 2008.
Book Synopsis 401(K) Plan Asset Allocation, Account Balances, and Loan Activity in 2003 by : Sarah Holden
Download or read book 401(K) Plan Asset Allocation, Account Balances, and Loan Activity in 2003 written by Sarah Holden and published by . This book was released on 2016 with total page 24 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper provides an update on 401(k) plan participants' asset allocations, account balances, and loan activity as of year-end 2003, as measured by the collaborative EBRI/ICI Participant-Directed Retirement Plan database - the world's largest repository of information about individual 401(k) plan participant accounts. This update tracks the account balances of a large and representative sample of 401(k) plan participants through the severe bear market that caused broad stock market indexes to decline about 40 percent between year-end 1999 and early 2003 and the rebound that increased broad equity index values by 34 percent over the last 10 months of 2003. By year-end 2003, 401(k) plan assets had grown to $1.9 trillion and an estimated 42 million workers in the United States participated in these plans. The portion of 401(k) balances invested in equities increased in 2003, reflecting the strength of equity prices. Beyond the market-driven changes, 401(k) plan participants do not appear to have made significant asset reallocations or to have made changes in their loan activity. Participants' allocations to company stock remained in line with previous years. On average, at year-end 2003, 45 percent of 401(k) plan participants' assets were invested in equity funds, 16 percent in company stock, 9 percent in balanced funds, 10 percent in bond funds, 13 percent in guaranteed investment contracts (GICs) and other stable value funds, and 5 percent in money funds.
Book Synopsis 401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2012 by : Jack VanDerhei
Download or read book 401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2012 written by Jack VanDerhei and published by . This book was released on 2014 with total page 52 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper is an update o ...
Book Synopsis 401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2015 by : Jack VanDerhei
Download or read book 401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2015 written by Jack VanDerhei and published by . This book was released on 2017 with total page 60 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper is an update o ...
Book Synopsis 401(K) Plan Asset Allocation, Account Balances, and Loan Activity in 2004 by : Sarah Holden
Download or read book 401(K) Plan Asset Allocation, Account Balances, and Loan Activity in 2004 written by Sarah Holden and published by . This book was released on 2005 with total page 20 pages. Available in PDF, EPUB and Kindle. Book excerpt: Defined contribution (DC) plans are one of the primary means by which Americans save for retirement, and 401(k) plans are the most common type of DC plan. In an ongoing collaborative effort, the Employee Benefit Research Institute (EBRI) and the Investment Company Institute (ICI) collect annual data on millions of 401(k) plan participants to present an accurate portrayal of the behavior of 401(k) plan participants. This paper updates ICI and EBRI's research of 401(k) plan participant activity through year-end 2004 and includes two sections. The first section focuses on account balance information for participants who have consistently maintained accounts between 1999 and 2004. The second section provides a snapshot of all 401(k) participants at year-end 2004, reviewing their account balances, asset allocations, and loan activity.
Book Synopsis 401(k) Plan Asset Allocation, Account Balances, and Loan Activity by :
Download or read book 401(k) Plan Asset Allocation, Account Balances, and Loan Activity written by and published by . This book was released on 1999 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Book Synopsis 401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2014 by : Jack VanDerhei
Download or read book 401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2014 written by Jack VanDerhei and published by . This book was released on 2016 with total page 80 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper is an update o ...
Book Synopsis 401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2016 by : Jack VanDerhei
Download or read book 401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2016 written by Jack VanDerhei and published by . This book was released on 2018 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt: The bulk of 401(k) assets ...
Book Synopsis 401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2013 by : Jack VanDerhei
Download or read book 401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2013 written by Jack VanDerhei and published by . This book was released on 2014 with total page 56 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper is an update o ...
Book Synopsis What Does Consistent Participation in 401(k) Plans Generate? Changes in 401(k) Account Balances, 2007-2013 by : Jack VanDerhei
Download or read book What Does Consistent Participation in 401(k) Plans Generate? Changes in 401(k) Account Balances, 2007-2013 written by Jack VanDerhei and published by . This book was released on 2015 with total page 28 pages. Available in PDF, EPUB and Kindle. Book excerpt: This paper analyzes changes in 401(k) account balances of consistent participants in the EBRI/ICI 401(k) database over the six-year period from year-end 2007 to year-end 2013. Two major insights emerge from looking at consistent participants in the EBRI/ICI 401(k) database over this six-year time period: The average 401(k) account balance fell 25.8 percent in 2008, and then rose from 2009 through year-end 2013. Overall, the average account balance increased at a compound annual average growth rate of 10.9 percent from 2007 to 2013, to $148,399 at year-end 2013. The median (midpoint) 401(k) account balance increased at a compound annual average growth rate of 15.8 percent over the period, to $75,359 at year-end 2013. At year-end 2013, the average account balance among consistent participants was more than twice the average account balance among all participants in the EBRI/ICI 401(k) database. The consistent group's median balance was more than four times the median balance across all participants at year-end 2013. Three primary factors affect account balances: contributions, investment returns, and withdrawal/loan activity. The percentage change in average account balance of participants in their 20s was heavily influenced by the relative size of their contributions to their account balances and increased at a compound average growth rate of 46.6 percent per year between year-end 2007 and year-end 2013. The asset allocation of the 4.2 million 401(k) plan participants in the consistent group was broadly similar to the asset allocation of the 26.4 million participants in the entire year-end 2013 EBRI/ICI 401(k) database. On average at year-end 2013, about two-thirds of 401(k) participants' assets were invested in equities, either through equity funds, the equity portion of target-date funds, the equity portion of non-target-date balanced funds, or company stock. Younger 401(k) participants tend to have higher concentrations in equities than older 401(k) participants. Equity holdings by consistent 401(k) participants increased slightly among younger participants and decreased slightly for older participants. High allocations to equities dropped for both groups from 2007 to 2013. More consistent 401(k) plan participants held target-date funds at year-end 2013 than at year-end 2007, on net; many of those with target-date funds held all of their 401(k) account in target-date funds.
