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Strategies to Increase Participants
Presentor: David Schultz Recorded Date: 9/11/2015 Duration: 100 Min.

This program was recorded during a live presentations given on September 11, 2015 at 12:00PM EST.

A 401(k) plan provides immediate tax benefits that encourage employees to make beneficial salary deferral contributions to fund their golden years. Accordingly, employees should be banging down doors to participate in their company’s 401(k) plans – if you build it, they will come, right? Wrong. Increasing employee participation and deferral rates in 401(k) plans has been a constant struggle for retirement plan professionals. This web seminar explores some of the behavioral challenges that limit employee participation and strategies to encourage participation and increase deferral rates.

Topics include:

  • Matching contribution formula strategies, including stacked matches
  • The impact of vesting
  • Getting the attention of the employees
  • Auto-enrollment done right
  • Effective use of auto-escalation
  • “Marketing” the match (and the plan)
  • Behavioral economics – why do participants act counterintuitively (to us)?

There are no prerequisites or other advanced preparation for this program.

Level: Intermediate

Instructional Delivery Method
Group – Internet-Based

Speaker: David Schultz, J.D.

Objectives: After attending this Web seminar, an attendee should be able to:


  • Design plan features that encourage employee participation
  • Advise clients regarding the impact of certain plan features on participation
  • Understand how participant behaviors are impacted by emotions
  • Develop communications programs that work
  • Assist plan sponsors that want to increase participation or deferral rates


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