When asked to name the top barriers to achieving greater retirement plan effectiveness, employers cited:

1) Lack of employee understanding;

2) Lack of interest; and

3) Employee demographics (age, salary, education, etc.).1

The view from the participant side tells a different story. Plan participants are concerned about their ability to retire, but for different reasons. Consider the financial state of affairs for the average employee.

Participant Engagement:  Offering a high-quality retirement plan is one thing. Getting employees to enroll and take full advantage of it can be another. Jaimie created and teaches plan participants MoneyCapsules®, an easy to learn process to help people engage in more stress free values-based conversations with their financial professionals, helpful when making financial decisions

What are the personal barriers to investing for retirement?




1. “2014 Annual Defined Contribution Benchmarking Survey”, Deloitte

2. “2012 U.S. Defined Contribution Sponsor Survey Report,” Towers Watson