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Employers should be required to keep plan participants informed adequately and in a timely manner about the state of plan funding.

The Department of Labor must stringently enforce fiduciary rules to ensure that pensions are handled prudently and in the best interest of plan participants and beneficiarie

Public retirement systems should establish a maximum vesting period of five years for DB plans and one year for employers’ matching contr

Minimum distribution requirements for retirement savings should periodically be examined to reflect changes in life expectancy and income needs at older ages while ensuring

Defined-contribution plan account holders should have to obtain written spousal consent to take payment from the account in a form other than a joint-and-survivor annuity.

Government workers should continue to have access to defined-benefit plans.

Modifications to retirement plans or plan formulas should hold harmless current beneficiaries and employees.

Policymakers should adopt new and expanded progressive savings incentives.

Congress should make improvements to the saver’s credit. The credit should be phased out gradually and smoothly as income increases.

States should establish state-facilitated savings arrangements that will increase employee participation in retirement savings options.