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Implicit bias occurs when individuals make judgments about people based on gender, race or other prohibited factors without even realizing they’re doing it.
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Most American workers accept responsibility for financing their own retirement and are relying primarily on their 401(k) to get them there, but many lack the confidence to effectively manage their retirement savings, according to a nationwide survey of 401(k) plan participants for Schwab Retirement Plan Services, a benefits provider.
Schwab surveyed more than 1,000 workers across the country in June 2013. Key findings, as reported by the firm in an
infographic and accompanying slides, include:
However, investing in a 401(k) is not enough to instill confidence in many participants. For example:
Participants expressed a desire for guidance on everything from asset allocation to risk tolerance to retirement-income planning.
Related SHRM Report:
Workplace Visions: HR's Role in Preparing Workers for Retirement, SHRM Research, Third Quarter 2013
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