[20220318]IF11611_国家管理的IRA计划：大会概况和注意事项.pdf

https:/crsreports.congress.gov Updated March 18, 2022State-Administered IRA Programs: Overview and Considerations for CongressOverview While Congress addresses retirement security at the national level and establishes federal pension and other savings incentives, several states have enacted or implemented state-administered retirement savings programs to increase retirement plan access and savings among private-sector workers. Because retirement plans, such as 401(k)s or defined benefit plans, are optional for employers to adopt, some workers may not have access to employment-based retirement benefits. In March 2021, 32% of private-sector workers did not have access to a workplace retirement plan. State-administered retirement programs are intended to provide savings options for workers without a workplace plan. States are taking a variety of approaches to these programs, including the following: retirement marketplaces, in which employers and individuals can purchase a savings plan through different state-approved providers; multiple-employer plans, in which unrelated businesses may jointly sponsor a 401(k) plan; and payroll deduction Individual Retirement Accounts (IRAs), in whi