These resources can help you understand key facts and developments in the 401(k) industry—and help you select a retirement plan approach that fits the needs of your employees. Call us for more information anytime. We’re happy to help.

The state of the 401(k) industry
The case for rethinking the 401(k)
Our perspective on what’s working and what isn’t in the 401(k) industry.
Webcast replay: Bridging the gap between sponsors and participants
We are pleased to bring you insights from recent studies focusing on sponsors and participants with our “Bridging the gap” webcast replay. This webcast, presented by Schwab Retirement Plan Services, Inc., highlights the results from two studies initiated by Schwab Retirement Plan Services, Inc.: the first conducted by CFO Research Services1 with plan sponsors, the second by Koski Research2 with plan participants. We hope you will find this information helpful as you consider potential alternatives for your plan. The examples and discussion in the webcast do not guarantee a particular outcome or result.
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Schwab talk blog: Bridging the 401(k) savings gap
Schwab’s perspective on what’s working and what isn’t in the 401(k) industry.
Rethinking 401(k) participant education
In January 2013, Schwab Retirement Plan Services* commissioned a focus group study to better understand the 401(k) participant mindset and find more effective ways to promote engagement with their company-sponsored retirement plan. The study revealed a communication gap between what traditional 401(k) participant education efforts have been communicating and what the focus groups told us they actually want to hear. The focus groups emphasized that financial literacy is a lofty goal—and a lot to ask of 401(k) participants today. The focus groups expressed concerns that even with financial education at their fingertips they may not necessarily make the right choices.
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Communicating retirement plan benefits to skeptics
Schwab Retirement Plan Services commissioned research has revealed that the majority of participants in a 2013 focus group identified with a “skeptical” mindset when engaging with their 401(k) plan and are looking for “consumer-friendly data” to be more engaged with their retirement plan. When asked what they felt was missing from their current 401(k) plan, many of the focus group respondents said that what they really want is guidance from a professional who will take the time to understand and listen to their specific needs—and they want the option of extending the interaction beyond a single point in time by having the option of an ongoing relationship.
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A new approach: Schwab Index Advantage®
Exchange-traded funds in 401(k) plans
An overview of the Schwab Index Advantage ETF offer.
Motion graphic: Rethink cost
A video detailing how index funds, when used in a 401(k), may help lower fund operating expenses and help employees save more for retirement.
The facts about Schwab Index Advantage
A quick overview of our latest 401(k) offering, Schwab Index Advantage.
Motion graphic: Rethink advice
A video detailing how independent professional advice, a feature of Schwab Index Advantage, may help employees save more for retirement.
Rethink your 401(k) brochure
A detailed view into the three key components of Schwab Index Advantage: cost, advice, and plan approach.
Motion graphic: Rethink your 401(k)
A video detailing how Schwab Index Advantage provides participants with a retirement plan program designed to help them save more for retirement.
Index investing basics
Index investing: A simple, low-cost solution for retirement plans from Charles Schwab
A primer on how index investments can help participants achieve their retirement investing objectives.
Standard & Poor’s Indices versus active funds (SPIVA®) scorecard: Year-end 2013
The latest semiannual performance scorecard comparing the S&P Indices with actively managed funds.


1 “The Changing Benefits of 401(k)s.” Schwab Retirement Plan Services, Inc., in conjunction with CFO Research Services, the sponsored research group within CFO Publishing Corp., which produces CFO magazine.

CFO Publishing is part of The Economist Group. All survey data collection and analysis was conducted online within the U.S. by CFO Research Services. A total of 215 interviews were conducted from July through August 2011, with plan sponsors. No estimates of theoretical sampling error can be calculated; a full methodology is available. For more information on CFO Research Services, visit cfo.com/research. CFO Research Services is not affiliated with Schwab Retirement Plan Services, Inc. or any of its affiliates.


2 “401(k) Participant Survey.” Charles Schwab, in conjunction with Koski Research, October 2011. All survey data collection and analysis was conducted online within the U.S. by Koski Research. A total of 1,005 interviews were conducted between August 30 and September 1, 2011, with employees who were employed full time or part time and who participated in their employer’s 401(k) plan. The survey was blind and may not have included participants in plans serviced by Schwab. No estimates of theoretical sampling error can be calculated; a full methodology is available. The national participant survey constitutes the 401(k) Participant Survey.

Koski Research is a marketing research firm that helps leading financial services firms use market research to improve decision-making, generate front page news, and stimulate communication efforts. Koski Research has conducted thousands of surveys and interviews among executives, individual and institutional investors, and intermediaries that have enabled financial services firms to have a deeper understanding of their clients and better meet their needs. For more information, visit koskiresearch.com. Koski Research Inc. is not affiliated with Schwab Retirement Plan Services, Inc. or any of its affiliates.