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May 28, 2025 | BlackRock Retirement Perspectives
Thoughtfully designed defined contribution plans, with a carefully selected default option, help encourage savings, create diversification and build retirement security.
Very few participants have the expertise to manage their own asset allocation. Even those who do may not review or adjust their investments over time. Reenrollment can help address these issues.
Reenrollment can get participant populations aligned with your current retirement plan best practices. Scenarios like a new target date fund being the default investment option for new hires only, concentrating of inappropriate risk, following a merger or acquisition are all times to consider reenrollment.
Limiting new defaults and plan design innovations to new hires creates two separate and unequal participant populations: those who benefit from a thoughtfully designed defined contribution plan and those left behind.
You provide a thoughtfully designed defined contribution plan, with a carefully selected default option designed to encourage savings, create diversification and help build retirement security. But this offering may not be reaching everybody.
Reenrollment can get your participant population aligned with your current retirement plan best practices. Here are a few common scenarios that have spurred plans to consider reenrollment:
Most plan sponsors are aware of the benefits of reenrollment. In 2023, the World Investment Advisors reported that 55% of plan sponsors had considered reenrollment, and 26% had already conducted or planned to conduct in the next 18 months1.
Very few participants may have the expertise, time and specialized insight needed to manage their own asset allocation. Even those who feel confident enough to make their own investment decisions may not review or adjust their investments over time and may no longer have an age-appropriate risk exposure.
Reenrollment can help address these issues, and may even take advantage of participant inertia by automating the investment management they may need to reach their retirement goals. By reenrolling employees who aren’t currently invested in the QDIA, you can provide the same target date fund perks to all your participants, no matter when they joined the plan – ensuring that everyone may benefit.
Download the full guide to learn more about key considerations for conducting a reenrollment, including lessons from plan sponsors who have utilized this tool to help positively impact participant outcomes.
BlackRock offers a range of solutions that simplify access to lifetime income, including innovative tools, resources, and research-driven investment insights.
New research demonstrates the range of outcomes an investor might expect across market environments with and without guaranteed retirement income.
BlackRock’s purpose is to help more and more people experience financial well-being. As a fiduciary to investors and a leading provider of financial technology, we help millions of people build savings that serve them throughout their lives by making investing easier and more affordable. For additional information on BlackRock, please visit www.blackrock.com/corporate
1 How Employer Support of Financial Wellness Has Grown Over the Past, World Investment Advisors, 2023
This material is provided for educational purposes only and is not intended to constitute investment advice or an investment recommendation within the meaning of federal, state or local law. You are solely responsible for evaluating and acting upon the education and information contained in this material. BlackRock will not be liable for direct or incidental loss resulting from applying any of the information obtained from these materials or from any other source mentioned. BlackRock does not render any legal, tax or accounting advice and the education and information contained in this material should not be construed as such. Please consult with a qualified professional for these types of advice.
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