Public Comment: Prof. Zack Cooper's submission to the Indiana Department of Health regarding the proposed merger of Union Health and Terre Haute Regional Hospital, March 21, 2025
POLICY BRIEF
Are employers optimizing their 401(k) match?
Many retirement plans are exacerbating pay inequity. Employer contributions to these plans disproportionately accrue to those with higher incomes, white workers, those with more access to liquid wealth, and those with richer parents. This policy brief by Tobin Faculty Affiliate Cormac O’Dea and Yale PhD student Guilllermo Carranza, with colleagues at MIT and Vanguard, offers new equity, efficiency, and cost considerations for shaping retirement plan design.