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退休环境已经改变了，计划发起人准备好了吗？
Deloitte 2019 Defined Contribution Benchmarking Survey Report
德勤2019年固定缴款基准调查报告
Biennial report highlights contribution trends
两年期报告强调捐款趋势
The retirement landscape has changed—are plan sponsors ready? Deloitte's biennial Defined Contribution Benchmarking Survey shows how plan sponsors are working to address increasingly diverse retirement needs.
退休环境已经改变了，计划发起人准备好了吗？德勤两年一次的固定缴款基准调查显示，计划发起人正如何努力满足日益多样化的退休需求。
The shifting retirement landscape
不断变化的退休环境
In the era of 100-year lives and with the workforce participation rate among those age 65 or older surpassing 20 percent for the first time in more than 50 years, Americans’ notion of “normal retirement” is changing.
在百年生活的时代，随着65岁或65岁以上老人的劳动力参与率50多年来首次超过20%，美国人的“正常退休”观念正在改变。
The 2019 edition of the Deloitte Defined Contribution Benchmarking Survey confirms this trend by showing that many employees continue to work even though they are eligible to retire. The rise of workers in the 65+ population continuing to work can be attributed to employee preference to work longer, the need to keep health care coverage, and unmet financial needs that prevent retirement.
德勤2019年版的固定缴款基准调查证实了这一趋势，显示许多员工即使有资格退休也继续工作。65岁以上人口中继续工作的工人人数增加，可归因于雇员对工作时间延长的偏好、保持医疗保险的需要以及防止退休的未满足的财政需求。
In response, plan sponsors are shifting focus to a broader picture of financial wellness to better understand the short-term and intermediate barriers participants face in saving for retirement. They are changing plan features to improve effectiveness, enhancing digital capabilities, and moving toward a more focused approach on participant financial well-being, but our 2019 report explores whether it has been enough.
作为回应，计划发起人正在将重点转移到更广泛的财务健康状况，以便更好地了解参与者在为退休储蓄方面面临的短期和中期障碍。他们正在改变计划特点，以提高效率、增强数字能力，并朝着更专注于参与者财务福祉的方向发展，但我们2019年的报告探讨了这是否足够。
us-2019-defined-contribution-benchmarking.pdf
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