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FA Center: Employers are trying to solve their workers’ retirement income problem

We already know the bad news: The disappearance of traditional pension plans has contributed to a retirement crisis in the U.S., in part because of increased risk that an investor will outlive her savings.

Anyone lucky enough to have a retirement plan at work these days — more than one-third of private-sector workers lack access will likely have a defined-contribution plan, such as a 401(k). Those plans can present big hurdles come retirement time, when investors must determine how much they can safely withdraw so their nest egg lasts long enough.

Now, some better news: Private-sector companies are waking up to the problem.

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