id	sid	eid	entity	type
fsr-3191	1	1	olivia s. mitchella	PERSON
fsr-3191	1	2	catherine reillyb	PERSON
fsr-3191	1	3	john a. turnerc	PERSON
fsr-3191	1	4	the wharton school of the university of pennsylvania	ORG
fsr-3191	1	5	3620	CARDINAL
fsr-3191	1	6	philadelphia	GPE
fsr-3191	1	7	19104–6302	CARDINAL
fsr-3191	1	8	mifflin	GPE
fsr-3191	1	9	404	CARDINAL
fsr-3191	1	10	cambridge	GPE
fsr-3191	1	11	ma 02138, usa cpension	ORG
fsr-3191	1	12	3713	CARDINAL
fsr-3191	1	13	chesapeake street	FAC
fsr-3191	1	14	washington	GPE
fsr-3191	1	15	dc	GPE
fsr-3191	1	16	20016	DATE
fsr-3191	5	1	2023	CARDINAL
fsr-3191	7	1	jel	ORG
fsr-3191	7	2	1	CARDINAL
fsr-3191	9	1	americans	NORP
fsr-3191	9	2	lusardi & mitchell	ORG
fsr-3191	9	3	2014	DATE
fsr-3191	9	4	lusardi et al.	PERSON
fsr-3191	9	5	2014).1	LANGUAGE
fsr-3191	12	1	1057-0810/23/$	DATE
fsr-3191	12	2	2023	CARDINAL
fsr-3191	14	1	31	CARDINAL
fsr-3191	14	2	2023	CARDINAL
fsr-3191	14	3	two	CARDINAL
fsr-3191	14	4	third	ORDINAL
fsr-3191	14	5	three	CARDINAL
fsr-3191	15	1	64%	PERCENT
fsr-3191	15	2	2021	CARDINAL
fsr-3191	16	1	one	CARDINAL
fsr-3191	18	1	first	ORDINAL
fsr-3191	25	1	balances.4 2.	ORG
fsr-3191	25	2	2021	CARDINAL
fsr-3191	28	1	three	CARDINAL
fsr-3191	29	1	first	ORDINAL
fsr-3191	30	1	section 4	LAW
fsr-3191	30	2	2	CARDINAL
fsr-3191	30	3	o. s. mitchell et al	PERSON
fsr-3191	30	4	31	CARDINAL
fsr-3191	30	5	2023	CARDINAL
fsr-3191	30	6	1–21 2.1	CARDINAL
fsr-3191	31	1	duvall	ORG
fsr-3191	31	2	2021	DATE
fsr-3191	32	1	39	CARDINAL
fsr-3191	32	2	2020	DATE
fsr-3191	32	3	57	CARDINAL
fsr-3191	34	1	one	CARDINAL
fsr-3191	35	1	more than $500 million	MONEY
fsr-3191	35	2	nearly 45%	PERCENT
fsr-3191	35	3	2022	CARDINAL
fsr-3191	36	1	morningstar	ORG
fsr-3191	36	2	2022	CARDINAL
fsr-3191	39	1	one	CARDINAL
fsr-3191	39	2	6.5	CARDINAL
fsr-3191	39	3	8	CARDINAL
fsr-3191	39	4	szala	GPE
fsr-3191	39	5	2022	CARDINAL
fsr-3191	43	1	2.2	CARDINAL
fsr-3191	43	2	third	ORDINAL
fsr-3191	46	1	annual	DATE
fsr-3191	46	2	2022	CARDINAL
fsr-3191	47	1	one	CARDINAL
fsr-3191	47	2	annual	DATE
fsr-3191	48	1	20	MONEY
fsr-3191	48	2	annual	DATE
fsr-3191	48	3	20	MONEY
fsr-3191	48	4	annual	DATE
fsr-3191	48	5	less than $10,000	MONEY
fsr-3191	49	1	2021	CARDINAL
fsr-3191	51	1	one	CARDINAL
fsr-3191	51	2	2021	CARDINAL
fsr-3191	52	1	o. s. mitchell et al	PERSON
fsr-3191	52	2	31	CARDINAL
fsr-3191	52	3	2023	CARDINAL
fsr-3191	52	4	1–21 3	CARDINAL
fsr-3191	53	1	one	CARDINAL
fsr-3191	53	2	86	CARDINAL
fsr-3191	53	3	44	CARDINAL
fsr-3191	53	4	250	MONEY
fsr-3191	53	5	$500 million	MONEY
fsr-3191	53	6	manganaro	ORG
fsr-3191	53	7	2019	DATE
fsr-3191	54	1	annual	DATE
fsr-3191	54	2	about $80	MONEY
fsr-3191	54	3	2021	DATE
fsr-3191	55	1	schimmer	DATE
fsr-3191	55	2	2021	CARDINAL
fsr-3191	55	3	annual	DATE
fsr-3191	55	4	59	MONEY
fsr-3191	55	5	2017	CARDINAL
fsr-3191	58	1	2.3	CARDINAL
fsr-3191	61	1	88%	PERCENT
fsr-3191	61	2	100	CARDINAL
fsr-3191	61	3	2018	DATE
fsr-3191	61	4	2021	CARDINAL
fsr-3191	62	1	brightscope	PERSON
fsr-3191	62	2	2020	DATE
fsr-3191	62	3	$1 million	MONEY
fsr-3191	62	4	144	CARDINAL
fsr-3191	62	5	48	CARDINAL
fsr-3191	62	6	$100–$250 million	MONEY
fsr-3191	62	7	28	CARDINAL
fsr-3191	62	8	over $1 billion	MONEY
fsr-3191	62	9	2017	DATE
fsr-3191	63	1	one	CARDINAL
fsr-3191	64	1	23%	PERCENT
fsr-3191	64	2	$1 million	MONEY
fsr-3191	64	3	40%	PERCENT
fsr-3191	64	4	over $1 billion	MONEY
fsr-3191	64	5	2020	DATE
fsr-3191	65	1	over 95%	PERCENT
fsr-3191	65	2	$10+ million	MONEY
fsr-3191	65	3	79%	PERCENT
fsr-3191	65	4	$1 million	MONEY
fsr-3191	65	5	2017	DATE
fsr-3191	67	1	$1 million	MONEY
fsr-3191	67	2	76	CARDINAL
fsr-3191	67	3	18	CARDINAL
fsr-3191	67	4	2018	DATE
fsr-3191	67	5	37	CARDINAL
fsr-3191	67	6	6	CARDINAL
fsr-3191	67	7	over $1 billion	MONEY
fsr-3191	67	8	2020	DATE
fsr-3191	70	1	one	CARDINAL
fsr-3191	73	1	morningstar	ORG
fsr-3191	73	2	2022	CARDINAL
fsr-3191	73	3	4	CARDINAL
fsr-3191	73	4	o. s. mitchell et al	PERSON
fsr-3191	73	5	31	CARDINAL
fsr-3191	73	6	2023	CARDINAL
fsr-3191	73	7	1–21	CARDINAL
fsr-3191	73	8	more than $500 million	MONEY
fsr-3191	73	9	34%	PERCENT
fsr-3191	73	10	2011	DATE
fsr-3191	73	11	2019	DATE
fsr-3191	73	12	almost 13.5 million	CARDINAL
fsr-3191	73	13	43%	PERCENT
fsr-3191	74	1	around 15%	PERCENT
fsr-3191	74	2	90%	PERCENT
fsr-3191	76	1	3	CARDINAL
fsr-3191	80	1	1	CARDINAL
fsr-3191	80	2	their 60s	DATE
fsr-3191	81	1	90,385	MONEY
fsr-3191	81	2	2018	DATE
fsr-3191	81	3	20–30 years	DATE
fsr-3191	82	1	25th	ORDINAL
fsr-3191	82	2	28,398	MONEY
fsr-3191	82	3	90th	ORDINAL
fsr-3191	82	4	557,589	MONEY
fsr-3191	83	1	550,000	MONEY
fsr-3191	83	2	100,000	MONEY
fsr-3191	83	3	30,000	MONEY
fsr-3191	84	1	only about one-fifth	CARDINAL
fsr-3191	84	2	53%	PERCENT
fsr-3191	84	3	over $100,000	MONEY
fsr-3191	84	4	2021	CARDINAL
fsr-3191	86	1	2	CARDINAL
fsr-3191	90	1	1	CARDINAL
fsr-3191	90	2	60s	DATE
fsr-3191	90	3	2018	DATE
fsr-3191	90	4	10th	ORDINAL
fsr-3191	90	5	50th	ORDINAL
fsr-3191	90	6	75th	ORDINAL
fsr-3191	90	7	90th	ORDINAL
fsr-3191	90	8	28,398 90,385	CARDINAL
fsr-3191	90	9	257,752	CARDINAL
fsr-3191	90	10	19,983 51,654 140,907	PERCENT
fsr-3191	90	11	19,229	CARDINAL
fsr-3191	90	12	34,638	CARDINAL
fsr-3191	90	13	30	CARDINAL
fsr-3191	90	14	15,892	CARDINAL
fsr-3191	90	15	911,783	CARDINAL
fsr-3191	90	16	jack van derhei	PERSON
fsr-3191	91	1	o. s. mitchell et al	PERSON
fsr-3191	91	2	31	CARDINAL
fsr-3191	91	3	2023	CARDINAL
fsr-3191	91	4	1–21 5	CARDINAL
fsr-3191	102	1	4	CARDINAL
fsr-3191	104	1	2	CARDINAL
fsr-3191	104	2	57	CARDINAL
fsr-3191	104	3	10	CARDINAL
fsr-3191	104	4	10	MONEY
fsr-3191	104	5	104	CARDINAL
fsr-3191	104	6	47 94	CARDINAL
fsr-3191	104	7	250	MONEY
fsr-3191	104	8	48	CARDINAL
fsr-3191	104	9	9 38	CARDINAL
fsr-3191	104	10	1bn	MONEY
fsr-3191	104	11	22	CARDINAL
fsr-3191	104	12	35 12	CARDINAL
fsr-3191	104	13	8	CARDINAL
fsr-3191	104	14	49	CARDINAL
fsr-3191	104	15	2	CARDINAL
fsr-3191	105	1	2020	DATE
fsr-3191	107	1	1	CARDINAL
fsr-3191	108	1	8	CARDINAL
fsr-3191	108	2	12	CARDINAL
fsr-3191	109	1	one	CARDINAL
fsr-3191	109	2	$4.5 bn	MONEY
fsr-3191	109	3	6.5	CARDINAL
fsr-3191	110	1	p.a.	GPE
fsr-3191	110	2	200,000	MONEY
fsr-3191	110	3	8	CARDINAL
fsr-3191	111	1	6	CARDINAL
fsr-3191	111	2	o. s. mitchell et al	PERSON
fsr-3191	111	3	31	CARDINAL
fsr-3191	111	4	2023	CARDINAL
fsr-3191	111	5	1–21	CARDINAL
fsr-3191	111	6	49%	PERCENT
fsr-3191	111	7	over $500,000	MONEY
fsr-3191	111	8	only 16%	PERCENT
fsr-3191	111	9	under $50,000	MONEY
fsr-3191	111	10	cerulli associates	ORG
fsr-3191	111	11	2021a	DATE
fsr-3191	112	1	4.1	CARDINAL
fsr-3191	113	1	one	CARDINAL
fsr-3191	114	1	mitchell & utkus	ORG
fsr-3191	114	2	2022	CARDINAL
fsr-3191	116	1	nearly 90%	PERCENT
fsr-3191	116	2	finra	ORG
fsr-3191	116	3	2022	CARDINAL
fsr-3191	117	1	u.s.	GPE
fsr-3191	119	1	turner	ORG
fsr-3191	119	2	2021	CARDINAL
fsr-3191	120	1	3	CARDINAL
fsr-3191	122	1	one	CARDINAL
fsr-3191	123	1	25–35	CARDINAL
fsr-3191	123	2	cerulli associates	ORG
fsr-3191	123	3	2021b	DATE
fsr-3191	126	1	3	CARDINAL
fsr-3191	126	2	2010	DATE
fsr-3191	126	3	2020	DATE
fsr-3191	126	4	2010	DATE
fsr-3191	126	5	2020	DATE
fsr-3191	126	6	2020 to 2010	DATE
fsr-3191	126	7	83	CARDINAL
fsr-3191	126	8	60.2	CARDINAL
fsr-3191	126	9	70	CARDINAL
fsr-3191	126	10	55.7	CARDINAL
fsr-3191	126	11	85	CARDINAL
fsr-3191	126	12	67.0	CARDINAL
fsr-3191	126	13	2021a	DATE
fsr-3191	126	14	2021b	DATE
fsr-3191	127	1	o. s. mitchell et al	PERSON
fsr-3191	127	2	31	CARDINAL
fsr-3191	127	3	2023	CARDINAL
fsr-3191	127	4	7	CARDINAL
fsr-3191	128	1	4.2	CARDINAL
fsr-3191	129	1	first	ORDINAL
fsr-3191	129	2	laponsie	ORG
fsr-3191	129	3	2022	CARDINAL
fsr-3191	133	1	500	CARDINAL
fsr-3191	133	2	2	CARDINAL
fsr-3191	133	3	8	CARDINAL
fsr-3191	133	4	dehaan et al.	PERSON
fsr-3191	133	5	2021	CARDINAL
fsr-3191	133	6	2022	CARDINAL
fsr-3191	138	1	4	CARDINAL
fsr-3191	139	1	the united states	GPE
fsr-3191	139	2	annual	DATE
fsr-3191	139	3	25	CARDINAL
fsr-3191	140	1	fisch et al.	ORG
fsr-3191	140	2	2019	DATE
fsr-3191	144	1	cfp	ORG
fsr-3191	145	1	8	CARDINAL
fsr-3191	145	2	o. s. mitchell et al	PERSON
fsr-3191	145	3	31	CARDINAL
fsr-3191	145	4	2023	CARDINAL
fsr-3191	145	5	1–21	CARDINAL
fsr-3191	145	6	ab le 4	ORG
fsr-3191	145	7	o	DATE
fsr-3191	147	1	4	CARDINAL
fsr-3191	147	2	n ta ir	PERSON
fsr-3191	148	1	o	DATE
fsr-3191	149	1	2	CARDINAL
fsr-3191	149	2	2 5	CARDINAL
fsr-3191	149	3	1 5	DATE
fsr-3191	149	4	2 5	CARDINAL
fsr-3191	149	5	3	CARDINAL
fsr-3191	149	6	4	CARDINAL
fsr-3191	149	7	1	CARDINAL
fsr-3191	150	1	5	MONEY
fsr-3191	150	2	0	CARDINAL
fsr-3191	150	3	0	CARDINAL
fsr-3191	150	4	0	MONEY
fsr-3191	150	5	3	MONEY
fsr-3191	150	6	0 $ 5	MONEY
fsr-3191	150	7	0	CARDINAL
fsr-3191	150	8	1	MONEY
fsr-3191	150	9	0	CARDINAL
fsr-3191	151	1	u su al ly	PERSON
fsr-3191	151	2	1	MONEY
fsr-3191	151	3	0	CARDINAL
fsr-3191	155	1	al ly u se s	PERSON
fsr-3191	155	2	al ly u se s	PERSON
fsr-3191	158	1	ac	ORG
fsr-3191	164	1	2 5	CARDINAL
fsr-3191	164	2	2	MONEY
fsr-3191	164	3	0	CARDINAL
fsr-3191	165	1	2	MONEY
fsr-3191	165	2	0	CARDINAL
fsr-3191	168	1	2	CARDINAL
fsr-3191	169	1	al	PERSON
fsr-3191	170	1	o ry fe e	PERSON
fsr-3191	170	2	2 5	CARDINAL
fsr-3191	170	3	o ry fe e	PERSON
fsr-3191	172	1	su m ed co st o f	PERSON
fsr-3191	180	1	2	CARDINAL
fsr-3191	180	2	3	CARDINAL
fsr-3191	180	3	4	CARDINAL
fsr-3191	181	1	su m ed	PERSON
fsr-3191	181	2	2	CARDINAL
fsr-3191	182	1	o. s. mitchell et al	PERSON
fsr-3191	182	2	31	CARDINAL
fsr-3191	182	3	2023	CARDINAL
fsr-3191	182	4	1–21 9 $50,000–$100,000	MONEY
fsr-3191	182	5	annual	DATE
fsr-3191	182	6	30–40	CARDINAL
fsr-3191	183	1	2022	CARDINAL
fsr-3191	184	1	around 100	CARDINAL
fsr-3191	184	2	2021	CARDINAL
fsr-3191	185	1	100,000	MONEY
fsr-3191	185	2	ludwig,	LAW
fsr-3191	185	3	2017	DATE
fsr-3191	186	1	one	CARDINAL
fsr-3191	188	1	5	CARDINAL
fsr-3191	189	1	one	CARDINAL
fsr-3191	191	1	69%	PERCENT
fsr-3191	191	2	84%	PERCENT
fsr-3191	191	3	over $500 million	MONEY
fsr-3191	191	4	2021a	DATE
fsr-3191	192	1	2021	CARDINAL
fsr-3191	192	2	2021	CARDINAL
fsr-3191	195	1	2021	CARDINAL
fsr-3191	196	1	morningstar	ORG
fsr-3191	196	2	2022	CARDINAL
fsr-3191	198	1	erisa advisory council	ORG
fsr-3191	198	2	2020	DATE
fsr-3191	204	1	10	CARDINAL
fsr-3191	204	2	o. s. mitchell et al	PERSON
fsr-3191	204	3	31	CARDINAL
fsr-3191	204	4	2023	CARDINAL
fsr-3191	204	5	1–21	CARDINAL
fsr-3191	205	1	6	CARDINAL
fsr-3191	206	1	7	CARDINAL
fsr-3191	208	1	7.1	CARDINAL
fsr-3191	214	1	7.2	CARDINAL
fsr-3191	216	1	2017	DATE
fsr-3191	216	2	28	CARDINAL
fsr-3191	216	3	13	CARDINAL
fsr-3191	216	4	three	CARDINAL
fsr-3191	216	5	eight	CARDINAL
fsr-3191	217	1	more than four-fifths	CARDINAL
fsr-3191	217	2	2020	DATE
fsr-3191	218	1	thousands	CARDINAL
fsr-3191	218	2	2021	CARDINAL
fsr-3191	219	1	2011	DATE
fsr-3191	219	2	iyengar & lepper	ORG
fsr-3191	219	3	2000	DATE
fsr-3191	220	1	2004	DATE
fsr-3191	221	1	turner	PERSON
fsr-3191	221	2	2018	DATE
fsr-3191	222	1	2021	CARDINAL
fsr-3191	222	2	only five	CARDINAL
fsr-3191	222	3	o. s. mitchell et al	ORG
fsr-3191	222	4	31	CARDINAL
fsr-3191	222	5	2023	CARDINAL
fsr-3191	222	6	1–21 11	CARDINAL
fsr-3191	223	1	parker	ORG
fsr-3191	223	2	2022	CARDINAL
fsr-3191	223	3	bitcoinira	PERSON
fsr-3191	223	4	2022	CARDINAL
fsr-3191	223	5	2022	CARDINAL
fsr-3191	225	1	401(k)s	DATE
fsr-3191	227	1	7.3	CARDINAL
fsr-3191	229	1	one	CARDINAL
fsr-3191	232	1	41%	PERCENT
fsr-3191	232	2	19.5%	PERCENT
fsr-3191	232	3	2021	CARDINAL
fsr-3191	233	1	7.4	CARDINAL
fsr-3191	235	1	one	CARDINAL
fsr-3191	235	2	2021b	DATE
fsr-3191	235	3	80%	PERCENT
fsr-3191	236	1	71%	PERCENT
fsr-3191	240	1	one	CARDINAL
fsr-3191	240	2	2021	CARDINAL
fsr-3191	240	3	only 24%	PERCENT
fsr-3191	240	4	between $5,000–$25,000	MONEY
fsr-3191	240	5	36.5%	PERCENT
fsr-3191	240	6	over $100,000	MONEY
fsr-3191	241	1	33%	PERCENT
fsr-3191	241	2	12	CARDINAL
fsr-3191	241	3	o. s. mitchell et al	PERSON
fsr-3191	241	4	31	CARDINAL
fsr-3191	241	5	2023	CARDINAL
fsr-3191	241	6	28%	PERCENT
fsr-3191	241	7	over $100,000	MONEY
fsr-3191	242	1	30%	PERCENT
fsr-3191	242	2	only 8%	PERCENT
fsr-3191	245	1	2017	DATE
fsr-3191	246	1	one	CARDINAL
fsr-3191	246	2	14%	PERCENT
fsr-3191	246	3	5,000	CARDINAL
fsr-3191	246	4	12%	PERCENT
fsr-3191	246	5	2021b	DATE
fsr-3191	248	1	today	DATE
fsr-3191	249	1	the united states	GPE
fsr-3191	250	1	2017	DATE
fsr-3191	250	2	2021	CARDINAL
fsr-3191	251	1	7.6	CARDINAL
fsr-3191	251	2	roth	PERSON
fsr-3191	255	1	8	CARDINAL
fsr-3191	258	1	8.1	CARDINAL
fsr-3191	259	1	o. s. mitchell et al	PERSON
fsr-3191	259	2	31	CARDINAL
fsr-3191	259	3	2023	CARDINAL
fsr-3191	260	1	1–21 13	CARDINAL
fsr-3191	260	2	turner	ORG
fsr-3191	260	3	2021	DATE
fsr-3191	264	1	2015	DATE
fsr-3191	265	1	sec	ORG
fsr-3191	269	1	8.2	CARDINAL
fsr-3191	271	1	one	CARDINAL
fsr-3191	274	1	8.3	CARDINAL
fsr-3191	277	1	401(k)s	DATE
fsr-3191	278	1	turner	ORG
fsr-3191	278	2	korczyk	PERSON
fsr-3191	278	3	2004	DATE
fsr-3191	278	4	three-quarters	CARDINAL
fsr-3191	279	1	hastings et al	PERSON
fsr-3191	280	1	2011	DATE
fsr-3191	281	1	14	CARDINAL
fsr-3191	281	2	o. s. mitchell et al	PERSON
fsr-3191	281	3	31	CARDINAL
fsr-3191	281	4	2023	CARDINAL
fsr-3191	281	5	1–21	CARDINAL
fsr-3191	282	1	8.4	CARDINAL
fsr-3191	283	1	u.s.	GPE
fsr-3191	283	2	2021	DATE
fsr-3191	284	1	8.5	CARDINAL
fsr-3191	285	1	age 55	DATE
fsr-3191	285	2	10%	PERCENT
fsr-3191	285	3	age 59½	DATE
fsr-3191	285	4	9	CARDINAL
fsr-3191	287	1	americans	NORP
fsr-3191	287	2	today	DATE
fsr-3191	291	1	2019	CARDINAL
fsr-3191	293	1	2022	CARDINAL
fsr-3191	293	2	2022	CARDINAL
fsr-3191	294	1	2021	CARDINAL
fsr-3191	294	2	the house of representatives	ORG
fsr-3191	296	1	sec	ORG
fsr-3191	297	1	the department of labor	ORG
fsr-3191	297	2	2021	CARDINAL
fsr-3191	298	1	o. s. mitchell et al	PERSON
fsr-3191	298	2	31	CARDINAL
fsr-3191	298	3	2023	CARDINAL
fsr-3191	299	1	early 2021	DATE
fsr-3191	299	2	u.s.	GPE
fsr-3191	306	1	irs	ORG
fsr-3191	306	2	2014-66	DATE
fsr-3191	306	3	iwry & turner	ORG
fsr-3191	306	4	2009	DATE
fsr-3191	306	5	2021	CARDINAL
fsr-3191	306	6	2021	CARDINAL
fsr-3191	307	1	2022	CARDINAL
fsr-3191	308	1	2022	CARDINAL
fsr-3191	311	1	10	CARDINAL
fsr-3191	318	1	one	CARDINAL
fsr-3191	318	2	16	CARDINAL
fsr-3191	318	3	o. s. mitchell et al	PERSON
fsr-3191	318	4	31	CARDINAL
fsr-3191	318	5	2023	CARDINAL
fsr-3191	318	6	1–21	CARDINAL
fsr-3191	318	7	401(k)s	DATE
fsr-3191	324	1	fornia	GPE
fsr-3191	324	2	2022	CARDINAL
fsr-3191	324	3	dc	GPE
fsr-3191	324	4	four-fifths	CARDINAL
fsr-3191	326	1	one	CARDINAL
fsr-3191	326	2	turner	ORG
fsr-3191	326	3	2022	CARDINAL
fsr-3191	327	1	fullmer & sabin, 2018	ORG
fsr-3191	328	1	dc	GPE
fsr-3191	328	2	2020	DATE
fsr-3191	328	3	2021	CARDINAL
fsr-3191	330	1	1	CARDINAL
fsr-3191	330	2	only 34%	PERCENT
fsr-3191	330	3	americans	NORP
fsr-3191	330	4	age 50	DATE
fsr-3191	330	5	three	CARDINAL
fsr-3191	330	6	2004	DATE
fsr-3191	330	7	lusardi & mitchell	ORG
fsr-3191	330	8	2014	DATE
fsr-3191	331	1	2	CARDINAL
fsr-3191	331	2	more than one	CARDINAL
fsr-3191	332	1	3	CARDINAL
fsr-3191	332	2	age 59½	DATE
fsr-3191	333	1	an additional 10%	PERCENT
fsr-3191	334	1	one	CARDINAL
fsr-3191	334	2	age 55	DATE
fsr-3191	334	3	2021	CARDINAL
fsr-3191	335	1	4	CARDINAL
fsr-3191	336	1	5	CARDINAL
fsr-3191	336	2	agnew	PERSON
fsr-3191	336	3	2019	DATE
fsr-3191	336	4	fisch et al	ORG
fsr-3191	337	1	2019	DATE
fsr-3191	338	1	o. s. mitchell et al	PERSON
fsr-3191	338	2	31	CARDINAL
fsr-3191	338	3	2023	CARDINAL
fsr-3191	338	4	1–21	CARDINAL
fsr-3191	338	5	17 6	CARDINAL
fsr-3191	338	6	tang et al	PERSON
fsr-3191	339	1	2010	DATE
fsr-3191	340	1	turner et al	PERSON
fsr-3191	341	1	2016	DATE
fsr-3191	341	2	turner	ORG
fsr-3191	341	3	klein	PERSON
fsr-3191	341	4	2014	DATE
fsr-3191	342	1	7	CARDINAL
fsr-3191	342	2	one	CARDINAL
fsr-3191	342	3	1%	PERCENT
fsr-3191	342	4	the 30%	PERCENT
fsr-3191	342	5	2021a	DATE
fsr-3191	343	1	8	CARDINAL
fsr-3191	344	1	5,000	MONEY
fsr-3191	345	1	the wharton school of the university of pennsylvania	ORG
fsr-3191	346	1	peter brady	PERSON
fsr-3191	346	2	mark iwry	PERSON
fsr-3191	346	3	jodan ledford	PERSON
fsr-3191	346	4	smart usa co.	ORG
fsr-3191	348	1	2021	CARDINAL
fsr-3191	349	1	2021	CARDINAL
fsr-3191	351	1	advisoryhq.com/articles/financial-advisor-fees-wealth-managers-planners-andfee-only-advisors/ agnew	PERSON
fsr-3191	351	2	j. & mitchell	ORG
fsr-3191	351	3	o. s.	PERSON
fsr-3191	352	1	2019	DATE
fsr-3191	353	1	fintech	ORG
fsr-3191	354	1	oxford	NORP
fsr-3191	354	2	oxford university	ORG
fsr-3191	355	1	r.	PERSON
fsr-3191	355	2	2022	CARDINAL
fsr-3191	358	1	2021	CARDINAL
fsr-3191	361	1	2022	CARDINAL
fsr-3191	363	1	brand&utm_medium=	PERSON
fsr-3191	364	1	kwd-305491188865&utm	ORG
fsr-3191	364	2	ds bitcoinira	PERSON
fsr-3191	365	1	2022	CARDINAL
fsr-3191	368	1	blackrock	GPE
fsr-3191	369	1	2021	CARDINAL
fsr-3191	370	1	blackrock	GPE
fsr-3191	370	2	american	NORP
fsr-3191	372	1	aspx brightscope	PERSON
fsr-3191	373	1	2020	DATE
fsr-3191	374	1	2017	CARDINAL
fsr-3191	375	1	https://www.ici.org/system/files/attachments/pdf/20_ppr	ORG
fsr-3191	375	2	j. r.	PERSON
fsr-3191	375	3	kapteyn	PERSON
fsr-3191	375	4	a.	PERSON
fsr-3191	375	5	luttmer	GPE
fsr-3191	375	6	e., & mitchell	ORG
fsr-3191	375	7	o. s.	PERSON
fsr-3191	375	8	2017	CARDINAL
fsr-3191	377	1	the european economic association	ORG
fsr-3191	377	2	15	CARDINAL
fsr-3191	377	3	429–462	CARDINAL
fsr-3191	378	1	j. r.	PERSON
fsr-3191	378	2	kapteyn	PERSON
fsr-3191	378	3	a.	PERSON
fsr-3191	378	4	luttmer	GPE
fsr-3191	378	5	mitchell	PERSON
fsr-3191	378	6	o. s.	PERSON
fsr-3191	378	7	a.	PERSON
fsr-3191	378	8	2021	CARDINAL
fsr-3191	380	1	103	CARDINAL
fsr-3191	380	2	533–546	CARDINAL
fsr-3191	381	1	18	CARDINAL
fsr-3191	381	2	o. s. mitchell et al	PERSON
fsr-3191	381	3	31	CARDINAL
fsr-3191	381	4	2023	CARDINAL
fsr-3191	381	5	1–21	CARDINAL
fsr-3191	382	1	2021	CARDINAL
fsr-3191	383	1	67 percent	PERCENT
fsr-3191	383	2	2020	DATE
fsr-3191	384	1	daily	DATE
fsr-3191	384	2	u.s.	GPE
fsr-3191	384	3	2011	DATE
fsr-3191	386	1	october 18	DATE
fsr-3191	387	1	cerulli	PERSON
fsr-3191	388	1	2021a	DATE
fsr-3191	389	1	2021	CARDINAL
fsr-3191	390	1	cerulli	PERSON
fsr-3191	391	1	2021b	CARDINAL
fsr-3191	392	1	1q 2021	CARDINAL
fsr-3191	392	2	58	MONEY
fsr-3191	393	1	e.	PERSON
fsr-3191	393	2	xie	PERSON
fsr-3191	393	3	c., & zhu	ORG
fsr-3191	393	4	2021	CARDINAL
fsr-3191	395	1	72	DATE
fsr-3191	395	2	101429	DATE
fsr-3191	396	1	2017	CARDINAL
fsr-3191	399	1	july 4	DATE
fsr-3191	400	1	2021	CARDINAL
fsr-3191	402	1	2021-02	DATE
fsr-3191	403	1	duvall	PERSON
fsr-3191	403	2	j.	PERSON
fsr-3191	403	3	2021	CARDINAL
fsr-3191	407	1	2021	CARDINAL
fsr-3191	408	1	2018	DATE
fsr-3191	408	2	5500	CARDINAL
fsr-3191	408	3	annual	DATE
fsr-3191	410	1	2020	DATE
fsr-3191	413	1	2022	CARDINAL
fsr-3191	415	1	one% 20increasingly%20popular%20investment%20option	ORG
fsr-3191	415	2	as%20401(k)%20plans fisch	ORG
fsr-3191	415	3	j. e.	PERSON
fsr-3191	415	4	labouré	GPE
fsr-3191	415	5	m., & turner	ORG
fsr-3191	415	6	j. a.	PERSON
fsr-3191	415	7	2019	DATE
fsr-3191	417	1	j. agnew &	ORG
fsr-3191	417	2	s. mitchell	PERSON
fsr-3191	418	1	fintech	ORG
fsr-3191	418	2	13–37	CARDINAL
fsr-3191	419	1	oxford	NORP
fsr-3191	419	2	oxford university press	ORG
fsr-3191	420	1	j.	PERSON
fsr-3191	420	2	2021	CARDINAL
fsr-3191	423	1	j.	PERSON
fsr-3191	423	2	2022	CARDINAL
fsr-3191	424	1	roth	PERSON
fsr-3191	425	1	2425%20and%20%245 0%20per%20year	TIME
fsr-3191	425	2	fornia	GPE
fsr-3191	425	3	w. b.	PERSON
fsr-3191	425	4	2022	CARDINAL
fsr-3191	426	1	3.0	CARDINAL
fsr-3191	426	2	dc	GPE
fsr-3191	426	3	national institute on retirement security	ORG
fsr-3191	427	1	r., & sabin, m. (	ORG
fsr-3191	427	2	2018	DATE
fsr-3191	430	1	r. k.	PERSON
fsr-3191	430	2	j. a.	PERSON
fsr-3191	430	3	2022	CARDINAL
fsr-3191	432	1	10	CARDINAL
fsr-3191	433	1	gao	PERSON
fsr-3191	434	1	2021	CARDINAL
fsr-3191	435	1	dol	PERSON
fsr-3191	436	1	j. s.	PERSON
fsr-3191	436	2	mitchell	PERSON
fsr-3191	436	3	o. s.	PERSON
fsr-3191	436	4	e. t.	PERSON
fsr-3191	436	5	2011	DATE
fsr-3191	438	1	o. s. mitchell & a. lusardi	ORG
fsr-3191	439	1	101–115	CARDINAL
fsr-3191	440	1	oxford	NORP
fsr-3191	440	2	oxford university	ORG
fsr-3191	441	1	horneff	ORG
fsr-3191	441	2	maurer, r., & mitchell	ORG
fsr-3191	441	3	o. s.	PERSON
fsr-3191	441	4	2020	DATE
fsr-3191	443	1	journal of banking & finance	ORG
fsr-3191	443	2	114	CARDINAL
fsr-3191	443	3	105783	DATE
fsr-3191	444	1	10.1016	CARDINAL
fsr-3191	445	1	2021	CARDINAL
fsr-3191	447	1	o. s. mitchell et al	PERSON
fsr-3191	447	2	31	CARDINAL
fsr-3191	447	3	2023	CARDINAL
fsr-3191	447	4	1–21 19	CARDINAL
fsr-3191	448	1	2021	CARDINAL
fsr-3191	451	1	2021a	DATE
fsr-3191	454	1	2021b	CARDINAL
fsr-3191	455	1	quarterly	DATE
fsr-3191	457	1	2022	CARDINAL
fsr-3191	461	1	2021	CARDINAL
fsr-3191	462	1	2021	CARDINAL
fsr-3191	463	1	irs	ORG
fsr-3191	463	2	2014-66	DATE
fsr-3191	465	1	j. m.	PERSON
fsr-3191	465	2	john	PERSON
fsr-3191	465	3	d. c.	PERSON
fsr-3191	465	4	pulliam	GPE
fsr-3191	465	5	w. g.	PERSON
fsr-3191	465	6	2021	CARDINAL
fsr-3191	467	1	brookings institute	ORG
fsr-3191	468	1	m., & turner	ORG
fsr-3191	468	2	j. (	PERSON
fsr-3191	468	3	2009	DATE
fsr-3191	469	1	401(k)s	DATE
fsr-3191	471	1	s. s.	PERSON
fsr-3191	471	2	2000	DATE
fsr-3191	472	1	one	CARDINAL
fsr-3191	473	1	79	CARDINAL
fsr-3191	473	2	995–1006	DATE
fsr-3191	474	1	s. s.	PERSON
fsr-3191	474	2	jiang	GPE
fsr-3191	474	3	w., & huberman	ORG
fsr-3191	474	4	m. g.	PERSON
fsr-3191	474	5	2004	DATE
fsr-3191	477	1	o. s. mitchell & s. utkus	ORG
fsr-3191	478	1	oxford	NORP
fsr-3191	478	2	oxford university	ORG
fsr-3191	479	1	laponsie	ORG
fsr-3191	479	2	m.	PERSON
fsr-3191	479	3	2022	CARDINAL
fsr-3191	480	1	7	CARDINAL
fsr-3191	480	2	2022	CARDINAL
fsr-3191	481	1	jan 7	DATE
fsr-3191	481	2	ludwig	ORG
fsr-3191	481	3	2017	CARDINAL
fsr-3191	483	1	a., & mitchell	ORG
fsr-3191	483	2	o. s.	PERSON
fsr-3191	483	3	2014	DATE
fsr-3191	485	1	52	DATE
fsr-3191	485	2	5–44	CARDINAL
fsr-3191	485	3	mitchell, o. s.	PERSON
fsr-3191	485	4	2014	DATE
fsr-3191	487	1	journal of pension economics & finance	ORG
fsr-3191	487	2	13	CARDINAL
fsr-3191	487	3	347–366	CARDINAL
fsr-3191	488	1	https://doi.org/10.1017/s1474747214000031 manganaro	PERSON
fsr-3191	488	2	j. (	PERSON
fsr-3191	488	3	2019	DATE
fsr-3191	490	1	november 17	DATE
fsr-3191	490	2	https://www.planadviser.com/recordkeeping-fees-microscope/. manganaro	PERSON
fsr-3191	490	3	j.	PERSON
fsr-3191	490	4	2021	CARDINAL
fsr-3191	492	1	plansponsor	ORG
fsr-3191	492	2	august 17	DATE
fsr-3191	493	1	www.plansponsor.com/lack-revenue-sharing-questioned-erisa-lawsuit/ mitchell	PERSON
fsr-3191	493	2	o. s.	PERSON
fsr-3191	493	3	s. p.	PERSON
fsr-3191	493	4	2022	CARDINAL
fsr-3191	495	1	journal of pension economics & finance	ORG
fsr-3191	495	2	21	CARDINAL
fsr-3191	495	3	519–536	CARDINAL
fsr-3191	495	4	morningstar	PERSON
fsr-3191	496	1	2022	CARDINAL
fsr-3191	497	1	u.s.	GPE
fsr-3191	499	1	norcross	GPE
fsr-3191	499	2	2022	CARDINAL
fsr-3191	501	1	https://norcross.house.gov/media-center/pressreleases/repsnorcross-walberg-reintroduce-legislation-improve-retirement parker	ORG
fsr-3191	501	2	m.	PERSON
fsr-3191	501	3	2022	CARDINAL
fsr-3191	505	1	thenest.com/ira-rules-selling-stocks-reinvesting-24947.html	PERSON
fsr-3191	505	2	k.	PERSON
fsr-3191	505	3	2022	CARDINAL
fsr-3191	509	1	2021	CARDINAL
fsr-3191	511	1	2022	CARDINAL
fsr-3191	512	1	two-thirds	CARDINAL
fsr-3191	514	1	t. j.	PERSON
fsr-3191	514	2	2021	CARDINAL
fsr-3191	515	1	ira	PERSON
fsr-3191	516	1	20	CARDINAL
fsr-3191	516	2	o. s. mitchell et al	PERSON
fsr-3191	516	3	31	CARDINAL
fsr-3191	516	4	2023	CARDINAL
fsr-3191	516	5	1–21	CARDINAL
fsr-3191	516	6	sec	ORG
fsr-3191	517	1	2019	DATE
fsr-3191	520	1	2021	CARDINAL
fsr-3191	521	1	2021	CARDINAL
fsr-3191	523	1	harris	PERSON
fsr-3191	523	2	s., & turner	ORG
fsr-3191	523	3	j. a.	PERSON
fsr-3191	523	4	2018	DATE
fsr-3191	525	1	27	CARDINAL
fsr-3191	526	1	l., & zhang	ORG
fsr-3191	526	2	2015	CARDINAL
fsr-3191	528	1	70	CARDINAL
fsr-3191	528	2	805–838	CARDINAL
fsr-3191	530	1	2021	CARDINAL
fsr-3191	532	1	szala	LOC
fsr-3191	532	2	2022	CARDINAL
fsr-3191	534	1	thinkadvisor	PERSON
fsr-3191	534	2	february 14	DATE
fsr-3191	535	1	thinkadvisor.com/2022/02/14/vanguard-cuts-target-date-fund-fees/ tang	PERSON
fsr-3191	535	2	o. s.	PERSON
fsr-3191	535	3	mottola	GPE
fsr-3191	535	4	g., & utkus	ORG
fsr-3191	535	5	s.	PERSON
fsr-3191	535	6	2010	DATE
fsr-3191	537	1	journal of public economics	ORG
fsr-3191	537	2	94	CARDINAL
fsr-3191	537	3	1073–1085	CARDINAL
fsr-3191	539	1	2021	CARDINAL
fsr-3191	541	1	j. a.	PERSON
fsr-3191	541	2	2021	CARDINAL
fsr-3191	543	1	chapter 2.	LAW
fsr-3191	544	1	new york university	ORG
fsr-3191	544	2	d. pratt	PERSON
fsr-3191	545	1	new york	GPE
fsr-3191	546	1	2–1	CARDINAL
fsr-3191	546	2	2–15	CARDINAL
fsr-3191	547	1	turner	ORG
fsr-3191	547	2	j. a.	PERSON
fsr-3191	547	3	& klein	ORG
fsr-3191	547	4	b. w.	PERSON
fsr-3191	547	5	2014	DATE
fsr-3191	550	1	quarterly	DATE
fsr-3191	550	2	30	DATE
fsr-3191	550	3	42–54	DATE
fsr-3191	551	1	turner	ORG
fsr-3191	551	2	j. a.	PERSON
fsr-3191	551	3	klein	GPE
fsr-3191	551	4	b. w.	PERSON
fsr-3191	551	5	& stein	ORG
fsr-3191	551	6	2016	CARDINAL
fsr-3191	553	1	3	CARDINAL
fsr-3191	553	2	47–65	CARDINAL
fsr-3191	553	3	j. a.	PERSON
fsr-3191	553	4	2004	DATE
fsr-3191	555	1	washington	GPE
fsr-3191	555	2	dc	GPE
fsr-3191	555	3	aarp data digest	ORG
fsr-3191	557	1	2021a	DATE
fsr-3191	558	1	dc	GPE
fsr-3191	559	1	https://institutional.vanguard.com/iam/pdf/ cirbop_052021.pdf vanguard.	PRODUCT
fsr-3191	560	1	2021b	CARDINAL
fsr-3191	561	1	america	GPE
fsr-3191	561	2	2021	CARDINAL
fsr-3191	562	1	https://institutional.vanguard.com/content/dam/inst/	CARDINAL
fsr-3191	563	1	2022	CARDINAL
fsr-3191	564	1	vanguard digital	ORG
fsr-3191	565	1	2022	CARDINAL
fsr-3191	568	1	o. s. mitchell et al	PERSON
fsr-3191	568	2	31	CARDINAL
fsr-3191	568	3	2023	CARDINAL