SFS Cavalcade North America 2026
Darden Graduate School of Business Administration, University of Virginia
May 18-21, 2026
Conference Agenda
Overview and details of the sessions of this conference. Please select a date or location to show only sessions at that day or location. Please select a single session for detailed view (with abstracts and downloads if available).
Please note that all times are shown in the time zone of the conference. The current conference time is: 18th Apr 2026, 05:19:22am EDT
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Agenda Overview |
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Track W2-4: Household Finance and Retirement Behavior
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The Design of Retirement Plan Match Schedules 1Yale University; 2MIT Sloan; 3Vanguard We use survey responses to hypothetical scenarios linked with administrative 401(k) data to investigate the efficiency and equity implications of employer 401(k) match formulas. We find that (i) survey responses can be used to accurately predict saving responses to both observed and hypothetical plans, (ii) saving is inelastic to the match rate, (iii) non-elective contributions do not crowd out saving. These patterns imply that (iv) plans combining lower match rates with non-elective contributions generate higher savings and more equitable match distributions, and (v) many existing plans—including safe-harbor formulas—are strictly dominated along both | ||