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Contribution Behavior of 401(K) Plan Participants

21 Pages Posted: 21 Nov 2001  

Jack VanDerhei

Employee Benefit Research Institute (EBRI)

Sarah Holden

Investment Company Institute


This Issue Brief examines the 1999 contribution behavior of 1.7 million 401(k) plan participants drawn from the EBRI/ICI Participant-Directed Retirement Plan Data Collection Project. The findings in this paper build on previous academic research examining the contribution activity of 401(k) participants, by using a large sample of participants in a wide range of plan sizes and by examining in detail the factors that influence contribution activity.

Keywords: 401(k) plans, Employment-based benefits, Participant contributions

JEL Classification: D9

Suggested Citation

VanDerhei, Jack and Holden, Sarah, Contribution Behavior of 401(K) Plan Participants. EBRI Issue Brief, No. 238, October 2001. Available at SSRN:

Jack VanDerhei (Contact Author)

Employee Benefit Research Institute (EBRI) ( email )

1100 13th Street, NW
Suite 878
Washington, DC 20005-4204
United States


Sarah Holden

Investment Company Institute ( email )

1401 H Street, NW
Research Department
Washington, DC 20005
United States
(202) 326-5915 (Phone)

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