J.P. Morgan Asset Management Survey Reveals Plan Sponsors' Commitment to Proactive Retirement Strategies and Financial Wellness Programs
J.P. Morgan (NYSE:JPM) has released its sixth U.S. defined contribution plan sponsor survey, revealing strong commitment to employee financial wellness. The survey of 750 U.S. plan sponsors shows that 83% feel strongly responsible for employees' financial well-being.
Key findings indicate that 49% of sponsors now favor proactive plan design, while 80% believe their plans should generate retirement income, with 61% considering adding in-plan income options this year. The survey also highlights generational challenges, with only 22% of plan sponsors confident in Gen X employees' retirement savings adequacy.
The research emphasizes the need for enhanced financial wellness programs, improved participant education, and strategic implementation of SECURE 2.0 regulations to adapt to modern workforce needs.
J.P. Morgan (NYSE:JPM) ha pubblicato il suo sesto sondaggio rivolto ai sponsor dei piani di contribuzione definita negli Stati Uniti, evidenziando un forte impegno verso il benessere finanziario dei dipendenti. Il sondaggio, che ha coinvolto 750 sponsor di piani statunitensi, mostra che l'83% si sente fortemente responsabile del benessere finanziario dei propri dipendenti.
I risultati principali indicano che il 49% degli sponsor preferisce ora un design proattivo del piano, mentre l'80% ritiene che i loro piani dovrebbero garantire un reddito pensionistico, con il 61% che sta considerando di aggiungere opzioni di reddito all'interno del piano quest'anno. Il sondaggio evidenzia anche sfide generazionali, con solo il 22% degli sponsor che si sente sicuro dell'adeguatezza dei risparmi pensionistici dei dipendenti della Generazione X.
La ricerca sottolinea la necessità di potenziare i programmi di benessere finanziario, migliorare l'educazione dei partecipanti e implementare strategicamente le normative SECURE 2.0 per adattarsi alle esigenze della forza lavoro moderna.
J.P. Morgan (NYSE:JPM) ha publicado su sexta encuesta a patrocinadores de planes de contribución definida en EE. UU., revelando un fuerte compromiso con el bienestar financiero de los empleados. La encuesta, realizada a 750 patrocinadores de planes estadounidenses, muestra que el 83% se siente fuertemente responsable del bienestar financiero de sus empleados.
Los hallazgos clave indican que el 49% de los patrocinadores ahora prefieren un diseño proactivo del plan, mientras que el 80% cree que sus planes deben generar ingresos para la jubilación, y el 61% está considerando añadir opciones de ingresos dentro del plan este año. La encuesta también destaca desafíos generacionales, ya que solo el 22% de los patrocinadores confía en la suficiencia de los ahorros para la jubilación de los empleados de la Generación X.
La investigación enfatiza la necesidad de mejorar los programas de bienestar financiero, la educación de los participantes y la implementación estratégica de las regulaciones SECURE 2.0 para adaptarse a las necesidades de la fuerza laboral moderna.
J.P. Morgan (NYSE:JPM)이 미국 확정기여형 퇴직연금 계획 스폰서 설문조사 6번째 결과를 발표하며 직원들의 재정적 웰빙에 대한 강한 의지를 드러냈습니다. 750명의 미국 계획 스폰서를 대상으로 한 이번 조사에서 83%가 직원들의 재정적 안녕에 대해 강한 책임감을 느끼고 있다고 나타났습니다.
주요 결과로는 49%의 스폰서가 적극적인 계획 설계를 선호하며, 80%는 자신의 계획이 은퇴 소득을 창출해야 한다고 믿고, 61%는 올해 계획 내 소득 옵션 추가를 고려 중인 것으로 나타났습니다. 또한 세대 간 도전 과제를 강조하며, 22%의 스폰서만이 X세대 직원들의 은퇴 저축 적절성에 자신감을 보였습니다.
이번 연구는 향상된 재정 건강 프로그램, 참가자 교육 개선, 그리고 현대 노동력의 요구에 맞춘 SECURE 2.0 규정의 전략적 실행 필요성을 강조합니다.
J.P. Morgan (NYSE:JPM) a publié sa sixième enquête auprès des sponsors de plans à cotisations définies aux États-Unis, révélant un fort engagement envers le bien-être financier des employés. L'enquête menée auprès de 750 sponsors américains montre que 83 % se sentent fortement responsables du bien-être financier de leurs employés.
Les principales conclusions indiquent que 49 % des sponsors privilégient désormais une conception proactive des plans, tandis que 80 % estiment que leurs plans devraient générer un revenu de retraite, 61 % envisageant d'ajouter des options de revenu au sein du plan cette année. L'enquête met également en lumière des défis générationnels, seulement 22 % des sponsors étant confiants dans l'adéquation des économies de retraite des employés de la génération X.
La recherche souligne la nécessité d'améliorer les programmes de bien-être financier, l'éducation des participants et la mise en œuvre stratégique des réglementations SECURE 2.0 pour répondre aux besoins de la main-d'œuvre moderne.
J.P. Morgan (NYSE:JPM) hat seine sechste Umfrage unter US-amerikanischen Sponsoren von beitragsorientierten Plänen veröffentlicht und dabei ein starkes Engagement für das finanzielle Wohlbefinden der Mitarbeiter gezeigt. Die Umfrage unter 750 US-Plan-Sponsoren zeigt, dass 83 % sich stark verantwortlich für das finanzielle Wohlergehen der Mitarbeiter fühlen.
Wesentliche Erkenntnisse zeigen, dass 49 % der Sponsoren jetzt ein proaktives Plan-Design bevorzugen, während 80 % glauben, dass ihre Pläne Renteneinkommen generieren sollten, und 61 % erwägen, in diesem Jahr einkommensbasierte Optionen innerhalb des Plans hinzuzufügen. Die Umfrage hebt auch generationenbedingte Herausforderungen hervor, da nur 22 % der Plan-Sponsoren zuversichtlich in die Angemessenheit der Altersvorsorge der Generation X sind.
Die Forschung betont die Notwendigkeit verbesserter Programme für finanzielles Wohlbefinden, einer besseren Teilnehmerbildung und der strategischen Umsetzung der SECURE 2.0-Regelungen, um den Bedürfnissen der modernen Belegschaft gerecht zu werden.
- 83% of plan sponsors acknowledge responsibility for employee financial wellness
- 49% of sponsors adopt proactive approach to plan design with higher satisfaction rates
- 61% of sponsors considering adding in-plan income options in 2025
- Survey scope includes comprehensive data from 750 plan sponsors
- Over half of plan sponsors are unaware of their fiduciary roles
- One-third lack understanding of their target date funds despite widespread use
- Critical programs like emergency savings and debt management remain under-implemented
- Less than half express high satisfaction with providers' educational efforts
The survey highlights how generational differences within workforces influence plan sponsors in addressing the unique needs of Gen X, Millennials, and Gen Z, each offering distinct perspectives on retirement planning. Notably, only
"Our 2025 Plan Sponsor Survey highlights a shift in retirement planning with plan sponsors recognizing the need for proactive strategies to enhance participant outcomes," said Alyson Frost, Head of Retirement Insights at J.P. Morgan Asset Management. "The findings emphasize the important role of financial wellness programs in boosting employee productivity and engagement. Plan sponsors are committed to providing the necessary tools and education for long-term financial security, and we anticipate further adoption of innovative strategies to meet the diverse needs of today's workforce."
Key Findings
- Commitment to Financial Wellness: Over
80% of plan sponsors acknowledge their role in supporting employee financial wellness, with many expanding benefits accordingly. However, critical programs, such as emergency savings, student loan debt assistance and debt management benefits, remain under-implemented, particularly among smaller employers. - Proactive Plan Design: Nearly half (
49% ) of respondents now favor a proactive approach to plan design reporting higher satisfaction across key measures, including participation and contribution rates, investment performance and participation education quality. Despite this progress, there is still opportunity to continue to increase contribution percentages and participant engagement. - Expanding Responsibilities: Plan sponsors face growing responsibilities, highlighting a need for more education. Over half are unaware of their fiduciary roles, and one-third lacking understanding of their target date funds (TDFs), despite their widespread use. Nearly
80% believe their plans should generate retirement income, with61% considering adding in-plan income options this year.
Action Steps for Plan Sponsors
To maximize the effectiveness of their offering, plan sponsors should consider embracing proactive plan design strategies that cater to the diverse needs of a multi-generational workforce, including leveraging automatic features and investment defaults to enhance participant engagement and satisfaction. As retirement income solutions become increasingly central to DC plans, plan sponsors are encouraged to establish clear objectives for in-plan solutions, carefully assessing which products best align with their goals and participant demographics to meet the growing demand for income-generating investments.
Enhancing participant education and communication is also crucial, as fewer than half of respondents express high satisfaction with their providers' efforts in this area. By streamlining the participant experience through seamless integration of educational resources and robust communication strategies, plan sponsors can empower participants to make informed decisions, particularly during critical phases such as onboarding and retirement preparation.
"Our survey highlights the importance for plan sponsors to refine their offerings by embracing thoughtful design and making strategic investments, which can greatly enhance participants' retirement readiness," said Meghan Conklin, Vice President, Retirement Insights, at J.P. Morgan Asset Management. "Understanding how regulatory advancements, such as SECURE 2.0, can be leveraged effectively in plan design is crucial, ensuring that options not only complement but also adapt to a more modern workforce."
For more information about the survey findings, please visit the DC Plan Sponsor Survey Findings dedicated website.
Methodology
From January 7 through January 31, 2025, we partnered with Greenwald Research, a market research firm based in
About J.P. Morgan Asset Management
J.P. Morgan Asset Management, with assets under management of
JPMorgan Chase & Co. (NYSE: JPM) is a leading financial services firm based in the United States of America ("
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SOURCE J.P. Morgan Asset Management
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