id	sid	tid	token	lemma	pos
fsr-3191	1	1	the	the	DET
fsr-3191	1	2	pros	pro	NOUN
fsr-3191	1	3	and	and	CCONJ
fsr-3191	1	4	cons	con	NOUN
fsr-3191	1	5	of	of	ADP
fsr-3191	1	6	remaining	remain	VERB
fsr-3191	1	7	in	in	ADP
fsr-3191	1	8	a	a	DET
fsr-3191	1	9	401(k	401(k	NOUN
fsr-3191	1	10	)	)	PUNCT
fsr-3191	1	11	plan	plan	NOUN
fsr-3191	1	12	after	after	ADP
fsr-3191	1	13	retirement	retirement	NOUN
fsr-3191	1	14	olivia	olivia	PROPN
fsr-3191	1	15	s.	s.	PROPN
fsr-3191	1	16	mitchella	mitchella	PROPN
fsr-3191	1	17	,	,	PUNCT
fsr-3191	1	18	*	*	PROPN
fsr-3191	1	19	,	,	PUNCT
fsr-3191	1	20	catherine	catherine	PROPN
fsr-3191	1	21	reillyb	reillyb	PROPN
fsr-3191	1	22	,	,	PUNCT
fsr-3191	1	23	john	john	PROPN
fsr-3191	1	24	a.	a.	PROPN
fsr-3191	1	25	turnerc	turnerc	PROPN
fsr-3191	1	26	adepartment	adepartment	NOUN
fsr-3191	1	27	of	of	ADP
fsr-3191	1	28	insurance	insurance	NOUN
fsr-3191	1	29	/	/	SYM
fsr-3191	1	30	risk	risk	NOUN
fsr-3191	1	31	management	management	NOUN
fsr-3191	1	32	&	&	CCONJ
fsr-3191	1	33	business	business	NOUN
fsr-3191	1	34	economics	economic	NOUN
fsr-3191	1	35	/	/	SYM
fsr-3191	1	36	policy	policy	NOUN
fsr-3191	1	37	,	,	PUNCT
fsr-3191	1	38	the	the	DET
fsr-3191	1	39	wharton	wharton	PROPN
fsr-3191	1	40	school	school	NOUN
fsr-3191	1	41	of	of	ADP
fsr-3191	1	42	the	the	DET
fsr-3191	1	43	university	university	PROPN
fsr-3191	1	44	of	of	ADP
fsr-3191	1	45	pennsylvania	pennsylvania	PROPN
fsr-3191	1	46	,	,	PUNCT
fsr-3191	1	47	3620	3620	NUM
fsr-3191	1	48	locust	locust	NOUN
fsr-3191	1	49	walk	walk	NOUN
fsr-3191	1	50	,	,	PUNCT
fsr-3191	1	51	st	st	PROPN
fsr-3191	1	52	3000	3000	NUM
fsr-3191	1	53	sh	sh	PROPN
fsr-3191	1	54	-	-	PUNCT
fsr-3191	1	55	dh	dh	PROPN
fsr-3191	1	56	,	,	PUNCT
fsr-3191	1	57	philadelphia	philadelphia	PROPN
fsr-3191	1	58	,	,	PUNCT
fsr-3191	1	59	pa	pa	PROPN
fsr-3191	1	60	19104–6302	19104–6302	NUM
fsr-3191	1	61	,	,	PUNCT
fsr-3191	1	62	usa	usa	PROPN
fsr-3191	1	63	bone	bone	PROPN
fsr-3191	1	64	mifflin	mifflin	PROPN
fsr-3191	1	65	place	place	NOUN
fsr-3191	1	66	,	,	PUNCT
fsr-3191	1	67	suite	suite	NOUN
fsr-3191	1	68	404	404	NUM
fsr-3191	1	69	,	,	PUNCT
fsr-3191	1	70	cambridge	cambridge	PROPN
fsr-3191	1	71	,	,	PUNCT
fsr-3191	1	72	ma	ma	PROPN
fsr-3191	1	73	02138	02138	PROPN
fsr-3191	1	74	,	,	PUNCT
fsr-3191	1	75	usa	usa	PROPN
fsr-3191	1	76	cpension	cpension	PROPN
fsr-3191	1	77	policy	policy	NOUN
fsr-3191	1	78	center	center	NOUN
fsr-3191	1	79	3713	3713	NUM
fsr-3191	1	80	chesapeake	chesapeake	PROPN
fsr-3191	1	81	street	street	PROPN
fsr-3191	1	82	,	,	PUNCT
fsr-3191	1	83	washington	washington	PROPN
fsr-3191	1	84	,	,	PUNCT
fsr-3191	1	85	dc	dc	PROPN
fsr-3191	1	86	20016	20016	NUM
fsr-3191	1	87	,	,	PUNCT
fsr-3191	1	88	usa	usa	PROPN
fsr-3191	1	89	abstract	abstract	PROPN
fsr-3191	1	90	this	this	DET
fsr-3191	1	91	paper	paper	NOUN
fsr-3191	1	92	examines	examine	VERB
fsr-3191	1	93	whether	whether	SCONJ
fsr-3191	1	94	retirees	retiree	NOUN
fsr-3191	1	95	would	would	AUX
fsr-3191	1	96	benefit	benefit	VERB
fsr-3191	1	97	from	from	ADP
fsr-3191	1	98	staying	stay	VERB
fsr-3191	1	99	in	in	ADP
fsr-3191	1	100	their	their	PRON
fsr-3191	1	101	companies	company	NOUN
fsr-3191	1	102	’	'	PUNCT
fsr-3191	1	103	401(k	401(k	PROPN
fsr-3191	1	104	)	)	PUNCT
fsr-3191	1	105	plans	plan	NOUN
fsr-3191	1	106	after	after	ADP
fsr-3191	1	107	retirement	retirement	NOUN
fsr-3191	1	108	,	,	PUNCT
fsr-3191	1	109	versus	versus	ADP
fsr-3191	1	110	rolling	roll	VERB
fsr-3191	1	111	their	their	PRON
fsr-3191	1	112	savings	saving	NOUN
fsr-3191	1	113	over	over	ADP
fsr-3191	1	114	to	to	ADP
fsr-3191	1	115	individual	individual	ADJ
fsr-3191	1	116	retirement	retirement	NOUN
fsr-3191	1	117	accounts	account	NOUN
fsr-3191	1	118	(	(	PUNCT
fsr-3191	1	119	iras	ira	NOUN
fsr-3191	1	120	)	)	PUNCT
fsr-3191	1	121	.	.	PUNCT
fsr-3191	2	1	our	our	PRON
fsr-3191	2	2	focus	focus	NOUN
fsr-3191	2	3	is	be	AUX
fsr-3191	2	4	on	on	ADP
fsr-3191	2	5	individuals	individual	NOUN
fsr-3191	2	6	having	have	VERB
fsr-3191	2	7	low	low	ADJ
fsr-3191	2	8	or	or	CCONJ
fsr-3191	2	9	moderate	moderate	ADJ
fsr-3191	2	10	levels	level	NOUN
fsr-3191	2	11	of	of	ADP
fsr-3191	2	12	financial	financial	ADJ
fsr-3191	2	13	literacy	literacy	NOUN
fsr-3191	2	14	.	.	PUNCT
fsr-3191	3	1	we	we	PRON
fsr-3191	3	2	conclude	conclude	VERB
fsr-3191	3	3	that	that	SCONJ
fsr-3191	3	4	many	many	ADJ
fsr-3191	3	5	such	such	ADJ
fsr-3191	3	6	retirees	retiree	NOUN
fsr-3191	3	7	would	would	AUX
fsr-3191	3	8	likely	likely	ADV
fsr-3191	3	9	find	find	VERB
fsr-3191	3	10	it	it	PRON
fsr-3191	3	11	financially	financially	ADV
fsr-3191	3	12	rewarding	rewarding	ADJ
fsr-3191	3	13	to	to	PART
fsr-3191	3	14	retain	retain	VERB
fsr-3191	3	15	their	their	PRON
fsr-3191	3	16	assets	asset	NOUN
fsr-3191	3	17	in	in	ADP
fsr-3191	3	18	their	their	PRON
fsr-3191	3	19	401(k	401(k	NOUN
fsr-3191	3	20	)	)	PUNCT
fsr-3191	3	21	plans	plan	NOUN
fsr-3191	3	22	.	.	PUNCT
fsr-3191	4	1	while	while	SCONJ
fsr-3191	4	2	iras	ira	NOUN
fsr-3191	4	3	currently	currently	ADV
fsr-3191	4	4	offer	offer	VERB
fsr-3191	4	5	a	a	DET
fsr-3191	4	6	wider	wide	ADJ
fsr-3191	4	7	range	range	NOUN
fsr-3191	4	8	of	of	ADP
fsr-3191	4	9	advice	advice	NOUN
fsr-3191	4	10	or	or	CCONJ
fsr-3191	4	11	distribution	distribution	NOUN
fsr-3191	4	12	options	option	NOUN
fsr-3191	4	13	compared	compare	VERB
fsr-3191	4	14	with	with	ADP
fsr-3191	4	15	401(k	401(k	NOUN
fsr-3191	4	16	)	)	PUNCT
fsr-3191	4	17	plans	plan	NOUN
fsr-3191	4	18	,	,	PUNCT
fsr-3191	4	19	we	we	PRON
fsr-3191	4	20	close	close	VERB
fsr-3191	4	21	by	by	ADP
fsr-3191	4	22	pointing	point	VERB
fsr-3191	4	23	to	to	ADP
fsr-3191	4	24	legislative	legislative	ADJ
fsr-3191	4	25	and	and	CCONJ
fsr-3191	4	26	technological	technological	ADJ
fsr-3191	4	27	developments	development	NOUN
fsr-3191	4	28	that	that	PRON
fsr-3191	4	29	may	may	AUX
fsr-3191	4	30	produce	produce	VERB
fsr-3191	4	31	better	well	ADJ
fsr-3191	4	32	outcomes	outcome	NOUN
fsr-3191	4	33	,	,	PUNCT
fsr-3191	4	34	more	more	ADJ
fsr-3191	4	35	retirement	retirement	NOUN
fsr-3191	4	36	confidence	confidence	NOUN
fsr-3191	4	37	,	,	PUNCT
fsr-3191	4	38	and	and	CCONJ
fsr-3191	4	39	greater	great	ADJ
fsr-3191	4	40	security	security	NOUN
fsr-3191	4	41	for	for	ADP
fsr-3191	4	42	retirees	retiree	NOUN
fsr-3191	4	43	.	.	PUNCT
fsr-3191	5	1	©	©	PROPN
fsr-3191	5	2	2023	2023	NUM
fsr-3191	5	3	academy	academy	NOUN
fsr-3191	5	4	of	of	ADP
fsr-3191	5	5	financial	financial	ADJ
fsr-3191	5	6	services	service	NOUN
fsr-3191	5	7	.	.	PUNCT
fsr-3191	6	1	all	all	DET
fsr-3191	6	2	rights	right	NOUN
fsr-3191	6	3	reserved	reserve	VERB
fsr-3191	6	4	.	.	PUNCT
fsr-3191	7	1	jel	jel	PROPN
fsr-3191	7	2	classifications	classification	NOUN
fsr-3191	7	3	:	:	PUNCT
fsr-3191	7	4	g53	g53	NOUN
fsr-3191	7	5	;	;	PUNCT
fsr-3191	7	6	d14	d14	PROPN
fsr-3191	7	7	;	;	PUNCT
fsr-3191	7	8	j32	j32	ADJ
fsr-3191	7	9	keywords	keyword	NOUN
fsr-3191	7	10	:	:	PUNCT
fsr-3191	7	11	financial	financial	ADJ
fsr-3191	7	12	literacy	literacy	NOUN
fsr-3191	7	13	;	;	PUNCT
fsr-3191	7	14	pension	pension	NOUN
fsr-3191	7	15	choices	choice	NOUN
fsr-3191	7	16	;	;	PUNCT
fsr-3191	7	17	ira	ira	PROPN
fsr-3191	7	18	rollovers	rollover	NOUN
fsr-3191	7	19	;	;	PUNCT
fsr-3191	7	20	retirement	retirement	NOUN
fsr-3191	7	21	decision	decision	NOUN
fsr-3191	7	22	-	-	PUNCT
fsr-3191	7	23	making	make	VERB
fsr-3191	7	24	1	1	NUM
fsr-3191	7	25	.	.	PUNCT
fsr-3191	8	1	introduction	introduction	NOUN
fsr-3191	8	2	many	many	ADJ
fsr-3191	8	3	models	model	NOUN
fsr-3191	8	4	of	of	ADP
fsr-3191	8	5	household	household	NOUN
fsr-3191	8	6	financial	financial	ADJ
fsr-3191	8	7	behavior	behavior	NOUN
fsr-3191	8	8	have	have	AUX
fsr-3191	8	9	traditionally	traditionally	ADV
fsr-3191	8	10	analyzed	analyze	VERB
fsr-3191	8	11	decisions	decision	NOUN
fsr-3191	8	12	made	make	VERB
fsr-3191	8	13	by	by	ADP
fsr-3191	8	14	rational	rational	ADJ
fsr-3191	8	15	,	,	PUNCT
fsr-3191	8	16	well	well	ADV
fsr-3191	8	17	-	-	PUNCT
fsr-3191	8	18	informed	inform	VERB
fsr-3191	8	19	individuals	individual	NOUN
fsr-3191	8	20	.	.	PUNCT
fsr-3191	9	1	in	in	ADP
fsr-3191	9	2	this	this	DET
fsr-3191	9	3	paper	paper	NOUN
fsr-3191	9	4	,	,	PUNCT
fsr-3191	9	5	we	we	PRON
fsr-3191	9	6	focus	focus	VERB
fsr-3191	9	7	instead	instead	ADV
fsr-3191	9	8	on	on	ADP
fsr-3191	9	9	the	the	DET
fsr-3191	9	10	vast	vast	ADJ
fsr-3191	9	11	majority	majority	NOUN
fsr-3191	9	12	of	of	ADP
fsr-3191	9	13	americans	americans	PROPN
fsr-3191	9	14	who	who	PRON
fsr-3191	9	15	enter	enter	VERB
fsr-3191	9	16	retirement	retirement	NOUN
fsr-3191	9	17	with	with	ADP
fsr-3191	9	18	low	low	ADJ
fsr-3191	9	19	or	or	CCONJ
fsr-3191	9	20	moderate	moderate	ADJ
fsr-3191	9	21	levels	level	NOUN
fsr-3191	9	22	of	of	ADP
fsr-3191	9	23	financial	financial	ADJ
fsr-3191	9	24	literacy	literacy	NOUN
fsr-3191	9	25	(	(	PUNCT
fsr-3191	9	26	lusardi	lusardi	PROPN
fsr-3191	9	27	&	&	CCONJ
fsr-3191	9	28	mitchell	mitchell	PROPN
fsr-3191	9	29	,	,	PUNCT
fsr-3191	9	30	2014	2014	NUM
fsr-3191	9	31	;	;	PUNCT
fsr-3191	9	32	lusardi	lusardi	PROPN
fsr-3191	9	33	et	et	PROPN
fsr-3191	9	34	al	al	PROPN
fsr-3191	9	35	.	.	PROPN
fsr-3191	9	36	,	,	PUNCT
fsr-3191	9	37	2014).1	2014).1	NUM
fsr-3191	9	38	in	in	ADP
fsr-3191	9	39	particular	particular	ADJ
fsr-3191	9	40	,	,	PUNCT
fsr-3191	9	41	we	we	PRON
fsr-3191	9	42	evaluate	evaluate	VERB
fsr-3191	9	43	the	the	DET
fsr-3191	9	44	choices	choice	NOUN
fsr-3191	9	45	that	that	PRON
fsr-3191	9	46	these	these	DET
fsr-3191	9	47	individuals	individual	NOUN
fsr-3191	9	48	confront	confront	VERB
fsr-3191	9	49	at	at	ADP
fsr-3191	9	50	retirement	retirement	NOUN
fsr-3191	9	51	when	when	SCONJ
fsr-3191	9	52	they	they	PRON
fsr-3191	9	53	have	have	AUX
fsr-3191	9	54	accumulated	accumulate	VERB
fsr-3191	9	55	assets	asset	NOUN
fsr-3191	9	56	in	in	ADP
fsr-3191	9	57	a	a	DET
fsr-3191	9	58	401(k	401(k	NOUN
fsr-3191	9	59	)	)	PUNCT
fsr-3191	9	60	plan	plan	NOUN
fsr-3191	9	61	and	and	CCONJ
fsr-3191	9	62	*	*	PUNCT
fsr-3191	9	63	corresponding	correspond	VERB
fsr-3191	9	64	author	author	NOUN
fsr-3191	9	65	:	:	PUNCT
fsr-3191	10	1	tel	tel	PROPN
fsr-3191	10	2	.	.	PUNCT
fsr-3191	10	3	:	:	PUNCT
fsr-3191	11	1	+1	+1	ADJ
fsr-3191	11	2	-	-	PUNCT
fsr-3191	11	3	215	215	NUM
fsr-3191	11	4	-	-	PUNCT
fsr-3191	11	5	746	746	NUM
fsr-3191	11	6	-	-	SYM
fsr-3191	11	7	5706	5706	NUM
fsr-3191	11	8	,	,	PUNCT
fsr-3191	11	9	fax	fax	NOUN
fsr-3191	11	10	:	:	PUNCT
fsr-3191	11	11	+1	+1	ADJ
fsr-3191	11	12	-	-	PUNCT
fsr-3191	11	13	215	215	NUM
fsr-3191	11	14	-	-	PUNCT
fsr-3191	11	15	573	573	NUM
fsr-3191	11	16	-	-	PUNCT
fsr-3191	11	17	3418	3418	NUM
fsr-3191	11	18	.	.	PUNCT
fsr-3191	12	1	e	e	X
fsr-3191	12	2	-	-	NOUN
fsr-3191	12	3	mail	mail	NOUN
fsr-3191	12	4	address	address	NOUN
fsr-3191	12	5	:	:	PUNCT
fsr-3191	12	6	mitchelo@wharton.upenn.edu	mitchelo@wharton.upenn.edu	PROPN
fsr-3191	12	7	1057	1057	NUM
fsr-3191	12	8	-	-	SYM
fsr-3191	12	9	0810/23/$	0810/23/$	PROPN
fsr-3191	12	10	–	–	PUNCT
fsr-3191	12	11	see	see	VERB
fsr-3191	12	12	front	front	ADJ
fsr-3191	12	13	matter	matter	NOUN
fsr-3191	12	14	©	©	PROPN
fsr-3191	12	15	2023	2023	NUM
fsr-3191	12	16	academy	academy	NOUN
fsr-3191	12	17	of	of	ADP
fsr-3191	12	18	financial	financial	ADJ
fsr-3191	12	19	services	service	NOUN
fsr-3191	12	20	.	.	PUNCT
fsr-3191	13	1	all	all	DET
fsr-3191	13	2	rights	right	NOUN
fsr-3191	13	3	reserved	reserve	VERB
fsr-3191	13	4	.	.	PUNCT
fsr-3191	14	1	financial	financial	ADJ
fsr-3191	14	2	services	service	NOUN
fsr-3191	14	3	review	review	VERB
fsr-3191	14	4	31	31	NUM
fsr-3191	14	5	(	(	PUNCT
fsr-3191	14	6	2023	2023	NUM
fsr-3191	14	7	)	)	PUNCT
fsr-3191	14	8	1–21	1–21	NOUN
fsr-3191	14	9	must	must	AUX
fsr-3191	14	10	either	either	CCONJ
fsr-3191	14	11	roll	roll	VERB
fsr-3191	14	12	their	their	PRON
fsr-3191	14	13	funds	fund	NOUN
fsr-3191	14	14	over	over	ADP
fsr-3191	14	15	to	to	ADP
fsr-3191	14	16	individual	individual	ADJ
fsr-3191	14	17	retirement	retirement	NOUN
fsr-3191	14	18	accounts	account	NOUN
fsr-3191	14	19	(	(	PUNCT
fsr-3191	14	20	iras	ira	NOUN
fsr-3191	14	21	)	)	PUNCT
fsr-3191	14	22	,	,	PUNCT
fsr-3191	14	23	or	or	CCONJ
fsr-3191	14	24	leave	leave	VERB
fsr-3191	14	25	their	their	PRON
fsr-3191	14	26	assets	asset	NOUN
fsr-3191	14	27	in	in	ADP
fsr-3191	14	28	their	their	PRON
fsr-3191	14	29	workplace	workplace	NOUN
fsr-3191	14	30	401(k	401(k	NOUN
fsr-3191	14	31	)	)	PUNCT
fsr-3191	14	32	plans.2	plans.2	PROPN
fsr-3191	14	33	in	in	ADP
fsr-3191	14	34	what	what	PRON
fsr-3191	14	35	follows	follow	VERB
fsr-3191	14	36	,	,	PUNCT
fsr-3191	14	37	we	we	PRON
fsr-3191	14	38	focus	focus	VERB
fsr-3191	14	39	mainly	mainly	ADV
fsr-3191	14	40	on	on	ADP
fsr-3191	14	41	those	those	DET
fsr-3191	14	42	two	two	NUM
fsr-3191	14	43	options	option	NOUN
fsr-3191	14	44	,	,	PUNCT
fsr-3191	14	45	while	while	SCONJ
fsr-3191	14	46	noting	note	VERB
fsr-3191	14	47	in	in	ADP
fsr-3191	14	48	passing	pass	VERB
fsr-3191	14	49	that	that	SCONJ
fsr-3191	14	50	a	a	DET
fsr-3191	14	51	third	third	ADJ
fsr-3191	14	52	option	option	NOUN
fsr-3191	14	53	,	,	PUNCT
fsr-3191	14	54	generally	generally	ADV
fsr-3191	14	55	the	the	DET
fsr-3191	14	56	least	least	ADJ
fsr-3191	14	57	desirable	desirable	ADJ
fsr-3191	14	58	of	of	ADP
fsr-3191	14	59	the	the	DET
fsr-3191	14	60	three	three	NUM
fsr-3191	14	61	,	,	PUNCT
fsr-3191	14	62	is	be	AUX
fsr-3191	14	63	to	to	PART
fsr-3191	14	64	cash	cash	VERB
fsr-3191	14	65	out	out	ADP
fsr-3191	14	66	the	the	DET
fsr-3191	14	67	plan	plan	NOUN
fsr-3191	14	68	and	and	CCONJ
fsr-3191	14	69	pay	pay	VERB
fsr-3191	14	70	taxes	taxis	NOUN
fsr-3191	14	71	(	(	PUNCT
fsr-3191	14	72	and	and	CCONJ
fsr-3191	14	73	perhaps	perhaps	ADV
fsr-3191	14	74	penalties	penalty	NOUN
fsr-3191	14	75	)	)	PUNCT
fsr-3191	14	76	on	on	ADP
fsr-3191	14	77	the	the	DET
fsr-3191	14	78	assets	asset	NOUN
fsr-3191	14	79	withdrawn.3	withdrawn.3	ADP
fsr-3191	14	80	these	these	DET
fsr-3191	14	81	choices	choice	NOUN
fsr-3191	14	82	are	be	AUX
fsr-3191	14	83	available	available	ADJ
fsr-3191	14	84	to	to	ADP
fsr-3191	14	85	many	many	ADJ
fsr-3191	14	86	older	old	ADJ
fsr-3191	14	87	workers	worker	NOUN
fsr-3191	14	88	,	,	PUNCT
fsr-3191	14	89	depending	depend	VERB
fsr-3191	14	90	on	on	ADP
fsr-3191	14	91	the	the	DET
fsr-3191	14	92	group	group	NOUN
fsr-3191	14	93	considered	consider	VERB
fsr-3191	14	94	.	.	PUNCT
fsr-3191	15	1	for	for	ADP
fsr-3191	15	2	example	example	NOUN
fsr-3191	15	3	,	,	PUNCT
fsr-3191	15	4	64	64	NUM
fsr-3191	15	5	%	%	NOUN
fsr-3191	15	6	of	of	ADP
fsr-3191	15	7	private	private	ADJ
fsr-3191	15	8	sector	sector	NOUN
fsr-3191	15	9	employees	employee	NOUN
fsr-3191	15	10	(	(	PUNCT
fsr-3191	15	11	excluding	exclude	VERB
fsr-3191	15	12	agricultural	agricultural	ADJ
fsr-3191	15	13	workers	worker	NOUN
fsr-3191	15	14	,	,	PUNCT
fsr-3191	15	15	household	household	NOUN
fsr-3191	15	16	workers	worker	NOUN
fsr-3191	15	17	,	,	PUNCT
fsr-3191	15	18	and	and	CCONJ
fsr-3191	15	19	the	the	DET
fsr-3191	15	20	self	self	NOUN
fsr-3191	15	21	-	-	PUNCT
fsr-3191	15	22	employed	employ	VERB
fsr-3191	15	23	)	)	PUNCT
fsr-3191	15	24	have	have	VERB
fsr-3191	15	25	access	access	NOUN
fsr-3191	15	26	to	to	ADP
fsr-3191	15	27	defined	define	VERB
fsr-3191	15	28	contribution	contribution	NOUN
fsr-3191	15	29	plans	plan	NOUN
fsr-3191	15	30	(	(	PUNCT
fsr-3191	15	31	bureau	bureau	NOUN
fsr-3191	15	32	of	of	ADP
fsr-3191	15	33	labor	labor	PROPN
fsr-3191	15	34	statistics	statistic	NOUN
fsr-3191	15	35	,	,	PUNCT
fsr-3191	15	36	2021	2021	NUM
fsr-3191	15	37	)	)	PUNCT
fsr-3191	15	38	.	.	PUNCT
fsr-3191	16	1	for	for	ADP
fsr-3191	16	2	those	those	PRON
fsr-3191	16	3	participating	participate	VERB
fsr-3191	16	4	in	in	ADP
fsr-3191	16	5	these	these	DET
fsr-3191	16	6	plans	plan	NOUN
fsr-3191	16	7	,	,	PUNCT
fsr-3191	16	8	whether	whether	SCONJ
fsr-3191	16	9	to	to	PART
fsr-3191	16	10	roll	roll	VERB
fsr-3191	16	11	over	over	ADP
fsr-3191	16	12	when	when	SCONJ
fsr-3191	16	13	they	they	PRON
fsr-3191	16	14	leave	leave	VERB
fsr-3191	16	15	the	the	DET
fsr-3191	16	16	labor	labor	NOUN
fsr-3191	16	17	force	force	NOUN
fsr-3191	16	18	or	or	CCONJ
fsr-3191	16	19	transition	transition	NOUN
fsr-3191	16	20	from	from	ADP
fsr-3191	16	21	one	one	NUM
fsr-3191	16	22	job	job	NOUN
fsr-3191	16	23	to	to	ADP
fsr-3191	16	24	another	another	PRON
fsr-3191	16	25	is	be	AUX
fsr-3191	16	26	a	a	DET
fsr-3191	16	27	key	key	ADJ
fsr-3191	16	28	financial	financial	ADJ
fsr-3191	16	29	choice	choice	NOUN
fsr-3191	16	30	they	they	PRON
fsr-3191	16	31	must	must	AUX
fsr-3191	16	32	make	make	VERB
fsr-3191	16	33	.	.	PUNCT
fsr-3191	17	1	as	as	SCONJ
fsr-3191	17	2	we	we	PRON
fsr-3191	17	3	show	show	VERB
fsr-3191	17	4	below	below	ADV
fsr-3191	17	5	,	,	PUNCT
fsr-3191	17	6	several	several	ADJ
fsr-3191	17	7	factors	factor	NOUN
fsr-3191	17	8	can	can	AUX
fsr-3191	17	9	usefully	usefully	ADV
fsr-3191	17	10	be	be	AUX
fsr-3191	17	11	integrated	integrate	VERB
fsr-3191	17	12	into	into	ADP
fsr-3191	17	13	this	this	DET
fsr-3191	17	14	decision	decision	NOUN
fsr-3191	17	15	,	,	PUNCT
fsr-3191	17	16	including	include	VERB
fsr-3191	17	17	the	the	DET
fsr-3191	17	18	levels	level	NOUN
fsr-3191	17	19	of	of	ADP
fsr-3191	17	20	expenses	expense	NOUN
fsr-3191	17	21	charged	charge	VERB
fsr-3191	17	22	by	by	ADP
fsr-3191	17	23	different	different	ADJ
fsr-3191	17	24	options	option	NOUN
fsr-3191	17	25	,	,	PUNCT
fsr-3191	17	26	the	the	DET
fsr-3191	17	27	types	type	NOUN
fsr-3191	17	28	of	of	ADP
fsr-3191	17	29	funds	fund	NOUN
fsr-3191	17	30	available	available	ADJ
fsr-3191	17	31	in	in	ADP
fsr-3191	17	32	which	which	PRON
fsr-3191	17	33	retirees	retiree	NOUN
fsr-3191	17	34	can	can	AUX
fsr-3191	17	35	invest	invest	VERB
fsr-3191	17	36	,	,	PUNCT
fsr-3191	17	37	the	the	DET
fsr-3191	17	38	availability	availability	NOUN
fsr-3191	17	39	and	and	CCONJ
fsr-3191	17	40	cost	cost	NOUN
fsr-3191	17	41	of	of	ADP
fsr-3191	17	42	financial	financial	ADJ
fsr-3191	17	43	advice	advice	NOUN
fsr-3191	17	44	,	,	PUNCT
fsr-3191	17	45	and	and	CCONJ
fsr-3191	17	46	the	the	DET
fsr-3191	17	47	retiree	retiree	NOUN
fsr-3191	17	48	’s	’s	PART
fsr-3191	17	49	need	need	NOUN
fsr-3191	17	50	for	for	ADP
fsr-3191	17	51	various	various	ADJ
fsr-3191	17	52	types	type	NOUN
fsr-3191	17	53	of	of	ADP
fsr-3191	17	54	decumulation	decumulation	NOUN
fsr-3191	17	55	products	product	NOUN
fsr-3191	17	56	.	.	PUNCT
fsr-3191	18	1	in	in	ADP
fsr-3191	18	2	what	what	PRON
fsr-3191	18	3	follows	follow	VERB
fsr-3191	18	4	,	,	PUNCT
fsr-3191	18	5	we	we	PRON
fsr-3191	18	6	first	first	ADV
fsr-3191	18	7	review	review	VERB
fsr-3191	18	8	the	the	DET
fsr-3191	18	9	investment	investment	NOUN
fsr-3191	18	10	and	and	CCONJ
fsr-3191	18	11	administrative	administrative	ADJ
fsr-3191	18	12	costs	cost	NOUN
fsr-3191	18	13	associated	associate	VERB
fsr-3191	18	14	with	with	ADP
fsr-3191	18	15	iras	ira	NOUN
fsr-3191	18	16	and	and	CCONJ
fsr-3191	18	17	401(k	401(k	NOUN
fsr-3191	18	18	)	)	PUNCT
fsr-3191	18	19	plans	plan	NOUN
fsr-3191	18	20	.	.	PUNCT
fsr-3191	19	1	while	while	SCONJ
fsr-3191	19	2	these	these	DET
fsr-3191	19	3	costs	cost	NOUN
fsr-3191	19	4	are	be	AUX
fsr-3191	19	5	likely	likely	ADJ
fsr-3191	19	6	to	to	PART
fsr-3191	19	7	vary	vary	VERB
fsr-3191	19	8	both	both	PRON
fsr-3191	19	9	between	between	ADP
fsr-3191	19	10	providers	provider	NOUN
fsr-3191	19	11	and	and	CCONJ
fsr-3191	19	12	different	different	ADJ
fsr-3191	19	13	savers	saver	NOUN
fsr-3191	19	14	within	within	ADP
fsr-3191	19	15	each	each	DET
fsr-3191	19	16	category	category	NOUN
fsr-3191	19	17	,	,	PUNCT
fsr-3191	19	18	it	it	PRON
fsr-3191	19	19	is	be	AUX
fsr-3191	19	20	useful	useful	ADJ
fsr-3191	19	21	to	to	PART
fsr-3191	19	22	highlight	highlight	VERB
fsr-3191	19	23	what	what	PRON
fsr-3191	19	24	is	be	AUX
fsr-3191	19	25	,	,	PUNCT
fsr-3191	19	26	and	and	CCONJ
fsr-3191	19	27	is	be	AUX
fsr-3191	19	28	not	not	PART
fsr-3191	19	29	,	,	PUNCT
fsr-3191	19	30	included	include	VERB
fsr-3191	19	31	in	in	ADP
fsr-3191	19	32	these	these	DET
fsr-3191	19	33	tallies	tally	NOUN
fsr-3191	19	34	.	.	PUNCT
fsr-3191	20	1	next	next	ADV
fsr-3191	20	2	,	,	PUNCT
fsr-3191	20	3	we	we	PRON
fsr-3191	20	4	examine	examine	VERB
fsr-3191	20	5	different	different	ADJ
fsr-3191	20	6	ways	way	NOUN
fsr-3191	20	7	that	that	PRON
fsr-3191	20	8	financial	financial	ADJ
fsr-3191	20	9	advice	advice	NOUN
fsr-3191	20	10	is	be	AUX
fsr-3191	20	11	provided	provide	VERB
fsr-3191	20	12	to	to	ADP
fsr-3191	20	13	401(k	401(k	PROPN
fsr-3191	20	14	)	)	PUNCT
fsr-3191	20	15	and	and	CCONJ
fsr-3191	20	16	ira	ira	PROPN
fsr-3191	20	17	participants	participant	NOUN
fsr-3191	20	18	,	,	PUNCT
fsr-3191	20	19	along	along	ADP
fsr-3191	20	20	with	with	ADP
fsr-3191	20	21	the	the	DET
fsr-3191	20	22	various	various	ADJ
fsr-3191	20	23	costs	cost	NOUN
fsr-3191	20	24	associated	associate	VERB
fsr-3191	20	25	with	with	ADP
fsr-3191	20	26	these	these	DET
fsr-3191	20	27	alternatives	alternative	NOUN
fsr-3191	20	28	.	.	PUNCT
fsr-3191	21	1	another	another	DET
fsr-3191	21	2	important	important	ADJ
fsr-3191	21	3	factor	factor	NOUN
fsr-3191	21	4	shaping	shape	VERB
fsr-3191	21	5	the	the	DET
fsr-3191	21	6	decision	decision	NOUN
fsr-3191	21	7	to	to	PART
fsr-3191	21	8	remain	remain	VERB
fsr-3191	21	9	in	in	ADP
fsr-3191	21	10	an	an	DET
fsr-3191	21	11	employer	employer	NOUN
fsr-3191	21	12	plan	plan	NOUN
fsr-3191	21	13	or	or	CCONJ
fsr-3191	21	14	roll	roll	VERB
fsr-3191	21	15	over	over	ADP
fsr-3191	21	16	to	to	ADP
fsr-3191	21	17	an	an	DET
fsr-3191	21	18	ira	ira	PROPN
fsr-3191	21	19	pertains	pertain	VERB
fsr-3191	21	20	to	to	ADP
fsr-3191	21	21	the	the	DET
fsr-3191	21	22	size	size	NOUN
fsr-3191	21	23	of	of	ADP
fsr-3191	21	24	the	the	DET
fsr-3191	21	25	participant	participant	NOUN
fsr-3191	21	26	’s	’s	PART
fsr-3191	21	27	account	account	PROPN
fsr-3191	21	28	balance	balance	NOUN
fsr-3191	21	29	.	.	PUNCT
fsr-3191	22	1	we	we	PRON
fsr-3191	22	2	also	also	ADV
fsr-3191	22	3	touch	touch	VERB
fsr-3191	22	4	on	on	ADP
fsr-3191	22	5	both	both	DET
fsr-3191	22	6	employer	employer	NOUN
fsr-3191	22	7	and	and	CCONJ
fsr-3191	22	8	financial	financial	ADJ
fsr-3191	22	9	advisor	advisor	NOUN
fsr-3191	22	10	perspectives	perspective	NOUN
fsr-3191	22	11	concerning	concern	VERB
fsr-3191	22	12	the	the	DET
fsr-3191	22	13	rollover	rollover	NOUN
fsr-3191	22	14	decision	decision	NOUN
fsr-3191	22	15	.	.	PUNCT
fsr-3191	23	1	we	we	PRON
fsr-3191	23	2	find	find	VERB
fsr-3191	23	3	that	that	SCONJ
fsr-3191	23	4	,	,	PUNCT
fsr-3191	23	5	for	for	ADP
fsr-3191	23	6	people	people	NOUN
fsr-3191	23	7	in	in	ADP
fsr-3191	23	8	employer	employer	NOUN
fsr-3191	23	9	plans	plan	NOUN
fsr-3191	23	10	with	with	ADP
fsr-3191	23	11	high	high	ADJ
fsr-3191	23	12	fees	fee	NOUN
fsr-3191	23	13	,	,	PUNCT
fsr-3191	23	14	an	an	DET
fsr-3191	23	15	ira	ira	PROPN
fsr-3191	23	16	rollover	rollover	NOUN
fsr-3191	23	17	could	could	AUX
fsr-3191	23	18	be	be	AUX
fsr-3191	23	19	a	a	DET
fsr-3191	23	20	beneficial	beneficial	ADJ
fsr-3191	23	21	financial	financial	ADJ
fsr-3191	23	22	decision	decision	NOUN
fsr-3191	23	23	.	.	PUNCT
fsr-3191	24	1	however	however	ADV
fsr-3191	24	2	,	,	PUNCT
fsr-3191	24	3	most	most	ADJ
fsr-3191	24	4	people	people	NOUN
fsr-3191	24	5	with	with	ADP
fsr-3191	24	6	low	low	ADJ
fsr-3191	24	7	or	or	CCONJ
fsr-3191	24	8	moderate	moderate	ADJ
fsr-3191	24	9	levels	level	NOUN
fsr-3191	24	10	of	of	ADP
fsr-3191	24	11	financial	financial	ADJ
fsr-3191	24	12	literacy	literacy	NOUN
fsr-3191	24	13	could	could	AUX
fsr-3191	24	14	do	do	VERB
fsr-3191	24	15	better	well	ADV
fsr-3191	24	16	financially	financially	ADV
fsr-3191	24	17	by	by	ADP
fsr-3191	24	18	remaining	remain	VERB
fsr-3191	24	19	in	in	ADP
fsr-3191	24	20	their	their	PRON
fsr-3191	24	21	employer	employer	NOUN
fsr-3191	24	22	401(k	401(k	NOUN
fsr-3191	24	23	)	)	PUNCT
fsr-3191	24	24	plans	plan	NOUN
fsr-3191	24	25	,	,	PUNCT
fsr-3191	24	26	in	in	ADP
fsr-3191	24	27	part	part	NOUN
fsr-3191	24	28	because	because	SCONJ
fsr-3191	24	29	they	they	PRON
fsr-3191	24	30	have	have	VERB
fsr-3191	24	31	better	well	ADJ
fsr-3191	24	32	fiduciary	fiduciary	ADJ
fsr-3191	24	33	protection	protection	NOUN
fsr-3191	24	34	in	in	ADP
fsr-3191	24	35	those	those	DET
fsr-3191	24	36	plans	plan	NOUN
fsr-3191	24	37	than	than	ADP
fsr-3191	24	38	in	in	ADP
fsr-3191	24	39	iras	ira	NOUN
fsr-3191	24	40	.	.	PUNCT
fsr-3191	25	1	we	we	PRON
fsr-3191	25	2	close	close	VERB
fsr-3191	25	3	with	with	ADP
fsr-3191	25	4	a	a	DET
fsr-3191	25	5	summary	summary	NOUN
fsr-3191	25	6	of	of	ADP
fsr-3191	25	7	the	the	DET
fsr-3191	25	8	issues	issue	NOUN
fsr-3191	25	9	facing	face	VERB
fsr-3191	25	10	participants	participant	NOUN
fsr-3191	25	11	,	,	PUNCT
fsr-3191	25	12	along	along	ADP
fsr-3191	25	13	with	with	ADP
fsr-3191	25	14	a	a	DET
fsr-3191	25	15	brief	brief	ADJ
fsr-3191	25	16	discussion	discussion	NOUN
fsr-3191	25	17	of	of	ADP
fsr-3191	25	18	potential	potential	ADJ
fsr-3191	25	19	improvements	improvement	NOUN
fsr-3191	25	20	in	in	ADP
fsr-3191	25	21	the	the	DET
fsr-3191	25	22	decumulation	decumulation	NOUN
fsr-3191	25	23	process	process	NOUN
fsr-3191	25	24	for	for	ADP
fsr-3191	25	25	401(k	401(k	PROPN
fsr-3191	25	26	)	)	PUNCT
fsr-3191	25	27	account	account	NOUN
fsr-3191	25	28	balances.4	balances.4	PROPN
fsr-3191	25	29	2	2	NUM
fsr-3191	25	30	.	.	PUNCT
fsr-3191	25	31	understanding	understand	VERB
fsr-3191	25	32	401(k	401(k	PROPN
fsr-3191	25	33	)	)	PUNCT
fsr-3191	25	34	and	and	CCONJ
fsr-3191	25	35	ira	ira	PROPN
fsr-3191	25	36	fees	fee	NOUN
fsr-3191	25	37	,	,	PUNCT
fsr-3191	25	38	and	and	CCONJ
fsr-3191	25	39	the	the	DET
fsr-3191	25	40	role	role	NOUN
fsr-3191	25	41	of	of	ADP
fsr-3191	25	42	plan	plan	NOUN
fsr-3191	25	43	size	size	VERB
fsr-3191	25	44	the	the	DET
fsr-3191	25	45	institutional	institutional	ADJ
fsr-3191	25	46	retirement	retirement	PROPN
fsr-3191	25	47	income	income	PROPN
fsr-3191	25	48	council	council	PROPN
fsr-3191	25	49	(	(	PUNCT
fsr-3191	25	50	iric	iric	ADJ
fsr-3191	25	51	,	,	PUNCT
fsr-3191	25	52	2021	2021	NUM
fsr-3191	25	53	)	)	PUNCT
fsr-3191	25	54	quantified	quantify	VERB
fsr-3191	25	55	the	the	DET
fsr-3191	25	56	additional	additional	ADJ
fsr-3191	25	57	retirement	retirement	NOUN
fsr-3191	25	58	income	income	NOUN
fsr-3191	25	59	participants	participant	NOUN
fsr-3191	25	60	can	can	AUX
fsr-3191	25	61	receive	receive	VERB
fsr-3191	25	62	by	by	ADP
fsr-3191	25	63	retaining	retain	VERB
fsr-3191	25	64	their	their	PRON
fsr-3191	25	65	assets	asset	NOUN
fsr-3191	25	66	in	in	ADP
fsr-3191	25	67	their	their	PRON
fsr-3191	25	68	employer	employer	NOUN
fsr-3191	25	69	-	-	PUNCT
fsr-3191	25	70	sponsored	sponsor	VERB
fsr-3191	25	71	defined	define	VERB
fsr-3191	25	72	contribution	contribution	NOUN
fsr-3191	25	73	plans	plan	NOUN
fsr-3191	25	74	throughout	throughout	ADP
fsr-3191	25	75	retirement	retirement	NOUN
fsr-3191	25	76	,	,	PUNCT
fsr-3191	25	77	versus	versus	ADP
fsr-3191	25	78	using	use	VERB
fsr-3191	25	79	iras	ira	NOUN
fsr-3191	25	80	that	that	SCONJ
fsr-3191	25	81	they	they	PRON
fsr-3191	25	82	access	access	VERB
fsr-3191	25	83	through	through	ADP
fsr-3191	25	84	advisors	advisor	NOUN
fsr-3191	25	85	or	or	CCONJ
fsr-3191	25	86	brokers	broker	NOUN
fsr-3191	25	87	.	.	PUNCT
fsr-3191	26	1	the	the	DET
fsr-3191	26	2	iric	iric	ADJ
fsr-3191	26	3	report	report	NOUN
fsr-3191	26	4	proposed	propose	VERB
fsr-3191	26	5	that	that	SCONJ
fsr-3191	26	6	employer	employer	NOUN
fsr-3191	26	7	-	-	PUNCT
fsr-3191	26	8	sponsored	sponsor	VERB
fsr-3191	26	9	defined	define	VERB
fsr-3191	26	10	contribution	contribution	NOUN
fsr-3191	26	11	plans	plan	NOUN
fsr-3191	26	12	can	can	AUX
fsr-3191	26	13	use	use	VERB
fsr-3191	26	14	their	their	PRON
fsr-3191	26	15	institutional	institutional	ADJ
fsr-3191	26	16	bargaining	bargaining	NOUN
fsr-3191	26	17	power	power	NOUN
fsr-3191	26	18	to	to	PART
fsr-3191	26	19	provide	provide	VERB
fsr-3191	26	20	their	their	PRON
fsr-3191	26	21	participants	participant	NOUN
fsr-3191	26	22	with	with	ADP
fsr-3191	26	23	better	well	ADJ
fsr-3191	26	24	investment	investment	NOUN
fsr-3191	26	25	and	and	CCONJ
fsr-3191	26	26	decumulation	decumulation	NOUN
fsr-3191	26	27	options	option	NOUN
fsr-3191	26	28	than	than	ADP
fsr-3191	26	29	those	those	PRON
fsr-3191	26	30	available	available	ADJ
fsr-3191	26	31	from	from	ADP
fsr-3191	26	32	individually	individually	ADV
fsr-3191	26	33	managed	manage	VERB
fsr-3191	26	34	retirement	retirement	NOUN
fsr-3191	26	35	accounts	account	NOUN
fsr-3191	26	36	.	.	PUNCT
fsr-3191	27	1	in	in	ADP
fsr-3191	27	2	what	what	PRON
fsr-3191	27	3	follows	follow	VERB
fsr-3191	27	4	,	,	PUNCT
fsr-3191	27	5	we	we	PRON
fsr-3191	27	6	investigate	investigate	VERB
fsr-3191	27	7	this	this	DET
fsr-3191	27	8	proposition	proposition	NOUN
fsr-3191	27	9	.	.	PUNCT
fsr-3191	28	1	three	three	NUM
fsr-3191	28	2	principal	principal	ADJ
fsr-3191	28	3	types	type	NOUN
fsr-3191	28	4	of	of	ADP
fsr-3191	28	5	costs	cost	NOUN
fsr-3191	28	6	that	that	PRON
fsr-3191	28	7	ira	ira	PROPN
fsr-3191	28	8	and	and	CCONJ
fsr-3191	28	9	401(k	401(k	PROPN
fsr-3191	28	10	)	)	PUNCT
fsr-3191	28	11	participants	participant	NOUN
fsr-3191	28	12	must	must	AUX
fsr-3191	28	13	pay	pay	VERB
fsr-3191	28	14	for	for	ADP
fsr-3191	28	15	their	their	PRON
fsr-3191	28	16	accounts	account	NOUN
fsr-3191	28	17	involve	involve	VERB
fsr-3191	28	18	investment	investment	NOUN
fsr-3191	28	19	management	management	NOUN
fsr-3191	28	20	,	,	PUNCT
fsr-3191	28	21	administrative	administrative	ADJ
fsr-3191	28	22	,	,	PUNCT
fsr-3191	28	23	and	and	CCONJ
fsr-3191	28	24	advisory	advisory	ADJ
fsr-3191	28	25	fees	fee	NOUN
fsr-3191	28	26	.	.	PUNCT
fsr-3191	29	1	we	we	PRON
fsr-3191	29	2	first	first	ADV
fsr-3191	29	3	discuss	discuss	VERB
fsr-3191	29	4	investment	investment	NOUN
fsr-3191	29	5	management	management	NOUN
fsr-3191	29	6	and	and	CCONJ
fsr-3191	29	7	administrative	administrative	ADJ
fsr-3191	29	8	fees	fee	NOUN
fsr-3191	29	9	,	,	PUNCT
fsr-3191	29	10	including	include	VERB
fsr-3191	29	11	the	the	DET
fsr-3191	29	12	importance	importance	NOUN
fsr-3191	29	13	of	of	ADP
fsr-3191	29	14	plan	plan	NOUN
fsr-3191	29	15	size	size	NOUN
fsr-3191	29	16	for	for	ADP
fsr-3191	29	17	plan	plan	NOUN
fsr-3191	29	18	costs	cost	NOUN
fsr-3191	29	19	.	.	PUNCT
fsr-3191	30	1	advisory	advisory	ADJ
fsr-3191	30	2	fees	fee	NOUN
fsr-3191	30	3	are	be	AUX
fsr-3191	30	4	discussed	discuss	VERB
fsr-3191	30	5	in	in	ADP
fsr-3191	30	6	section	section	NOUN
fsr-3191	30	7	4	4	NUM
fsr-3191	30	8	.	.	SYM
fsr-3191	30	9	2	2	NUM
fsr-3191	30	10	o.	o.	PROPN
fsr-3191	30	11	s.	s.	PROPN
fsr-3191	30	12	mitchell	mitchell	PROPN
fsr-3191	30	13	et	et	PROPN
fsr-3191	30	14	al	al	PROPN
fsr-3191	30	15	.	.	PUNCT
fsr-3191	30	16	/	/	SYM
fsr-3191	30	17	financial	financial	ADJ
fsr-3191	30	18	services	service	NOUN
fsr-3191	30	19	review	review	VERB
fsr-3191	30	20	31	31	NUM
fsr-3191	30	21	(	(	PUNCT
fsr-3191	30	22	2023	2023	NUM
fsr-3191	30	23	)	)	PUNCT
fsr-3191	30	24	1–21	1–21	PROPN
fsr-3191	30	25	2.1	2.1	NUM
fsr-3191	30	26	.	.	PUNCT
fsr-3191	31	1	investment	investment	NOUN
fsr-3191	31	2	fees	fee	NOUN
fsr-3191	31	3	according	accord	VERB
fsr-3191	31	4	to	to	ADP
fsr-3191	31	5	the	the	DET
fsr-3191	31	6	investment	investment	NOUN
fsr-3191	31	7	company	company	NOUN
fsr-3191	31	8	institute	institute	PROPN
fsr-3191	31	9	(	(	PUNCT
fsr-3191	31	10	duvall	duvall	PROPN
fsr-3191	31	11	,	,	PUNCT
fsr-3191	31	12	2021	2021	NUM
fsr-3191	31	13	)	)	PUNCT
fsr-3191	31	14	,	,	PUNCT
fsr-3191	31	15	401(k	401(k	PROPN
fsr-3191	31	16	)	)	PUNCT
fsr-3191	31	17	investors	investor	NOUN
fsr-3191	31	18	typically	typically	ADV
fsr-3191	31	19	pay	pay	VERB
fsr-3191	31	20	lower	low	ADJ
fsr-3191	31	21	investment	investment	NOUN
fsr-3191	31	22	fees	fee	NOUN
fsr-3191	31	23	than	than	SCONJ
fsr-3191	31	24	do	do	VERB
fsr-3191	31	25	ira	ira	PROPN
fsr-3191	31	26	investors	investor	NOUN
fsr-3191	31	27	.	.	PUNCT
fsr-3191	32	1	that	that	DET
fsr-3191	32	2	source	source	NOUN
fsr-3191	32	3	noted	note	VERB
fsr-3191	32	4	that	that	SCONJ
fsr-3191	32	5	the	the	DET
fsr-3191	32	6	asset	asset	NOUN
fsr-3191	32	7	-	-	PUNCT
fsr-3191	32	8	weighted	weight	VERB
fsr-3191	32	9	expense	expense	NOUN
fsr-3191	32	10	ratio	ratio	NOUN
fsr-3191	32	11	of	of	ADP
fsr-3191	32	12	401(k	401(k	PROPN
fsr-3191	32	13	)	)	PUNCT
fsr-3191	32	14	equity	equity	NOUN
fsr-3191	32	15	mutual	mutual	ADJ
fsr-3191	32	16	funds	fund	NOUN
fsr-3191	32	17	was	be	AUX
fsr-3191	32	18	39	39	NUM
fsr-3191	32	19	basis	basis	NOUN
fsr-3191	32	20	points	point	NOUN
fsr-3191	32	21	(	(	PUNCT
fsr-3191	32	22	bps	bps	NOUN
fsr-3191	32	23	)	)	PUNCT
fsr-3191	32	24	in	in	ADP
fsr-3191	32	25	2020	2020	NUM
fsr-3191	32	26	,	,	PUNCT
fsr-3191	32	27	compared	compare	VERB
fsr-3191	32	28	with	with	ADP
fsr-3191	32	29	57	57	NUM
fsr-3191	32	30	bps	bps	NOUN
fsr-3191	32	31	for	for	ADP
fsr-3191	32	32	equity	equity	NOUN
fsr-3191	32	33	mutual	mutual	ADJ
fsr-3191	32	34	funds	fund	NOUN
fsr-3191	32	35	in	in	ADP
fsr-3191	32	36	ira	ira	PROPN
fsr-3191	32	37	accounts	account	NOUN
fsr-3191	32	38	.	.	PUNCT
fsr-3191	33	1	moreover	moreover	ADV
fsr-3191	33	2	,	,	PUNCT
fsr-3191	33	3	this	this	DET
fsr-3191	33	4	comparison	comparison	NOUN
fsr-3191	33	5	may	may	AUX
fsr-3191	33	6	understate	understate	VERB
fsr-3191	33	7	the	the	DET
fsr-3191	33	8	fee	fee	NOUN
fsr-3191	33	9	advantage	advantage	NOUN
fsr-3191	33	10	of	of	ADP
fsr-3191	33	11	401(k	401(k	NOUN
fsr-3191	33	12	)	)	PUNCT
fsr-3191	33	13	plans	plan	NOUN
fsr-3191	33	14	,	,	PUNCT
fsr-3191	33	15	since	since	SCONJ
fsr-3191	33	16	the	the	DET
fsr-3191	33	17	largest	large	ADJ
fsr-3191	33	18	employer	employer	NOUN
fsr-3191	33	19	-	-	PUNCT
fsr-3191	33	20	sponsored	sponsor	VERB
fsr-3191	33	21	retirement	retirement	NOUN
fsr-3191	33	22	plans	plan	NOUN
fsr-3191	33	23	typically	typically	ADV
fsr-3191	33	24	use	use	VERB
fsr-3191	33	25	collective	collective	ADJ
fsr-3191	33	26	investment	investment	NOUN
fsr-3191	33	27	trusts	trust	NOUN
fsr-3191	33	28	(	(	PUNCT
fsr-3191	33	29	cits	cit	NOUN
fsr-3191	33	30	)	)	PUNCT
fsr-3191	33	31	rather	rather	ADV
fsr-3191	33	32	than	than	ADP
fsr-3191	33	33	mutual	mutual	ADJ
fsr-3191	33	34	funds	fund	NOUN
fsr-3191	33	35	.	.	PUNCT
fsr-3191	34	1	one	one	NUM
fsr-3191	34	2	reason	reason	NOUN
fsr-3191	34	3	that	that	SCONJ
fsr-3191	34	4	401(k	401(k	NOUN
fsr-3191	34	5	)	)	PUNCT
fsr-3191	34	6	plans	plan	NOUN
fsr-3191	34	7	may	may	AUX
fsr-3191	34	8	have	have	AUX
fsr-3191	34	9	lower	low	ADJ
fsr-3191	34	10	average	average	ADJ
fsr-3191	34	11	fees	fee	NOUN
fsr-3191	34	12	than	than	ADP
fsr-3191	34	13	iras	ira	NOUN
fsr-3191	34	14	is	be	AUX
fsr-3191	34	15	that	that	SCONJ
fsr-3191	34	16	large	large	ADJ
fsr-3191	34	17	401(k	401(k	NOUN
fsr-3191	34	18	)	)	PUNCT
fsr-3191	34	19	plans	plan	NOUN
fsr-3191	34	20	can	can	AUX
fsr-3191	34	21	often	often	ADV
fsr-3191	34	22	access	access	VERB
fsr-3191	34	23	low	low	ADJ
fsr-3191	34	24	-	-	PUNCT
fsr-3191	34	25	cost	cost	NOUN
fsr-3191	34	26	institutional	institutional	ADJ
fsr-3191	34	27	share	share	NOUN
fsr-3191	34	28	classes	class	NOUN
fsr-3191	34	29	or	or	CCONJ
fsr-3191	34	30	commingled	commingle	VERB
fsr-3191	34	31	investment	investment	NOUN
fsr-3191	34	32	trusts	trust	NOUN
fsr-3191	34	33	(	(	PUNCT
fsr-3191	34	34	cits	cit	NOUN
fsr-3191	34	35	)	)	PUNCT
fsr-3191	34	36	that	that	PRON
fsr-3191	34	37	are	be	AUX
fsr-3191	34	38	not	not	PART
fsr-3191	34	39	available	available	ADJ
fsr-3191	34	40	to	to	ADP
fsr-3191	34	41	retail	retail	ADJ
fsr-3191	34	42	investors	investor	NOUN
fsr-3191	34	43	.	.	PUNCT
fsr-3191	35	1	for	for	ADP
fsr-3191	35	2	plans	plan	NOUN
fsr-3191	35	3	with	with	ADP
fsr-3191	35	4	more	more	ADJ
fsr-3191	35	5	than	than	ADP
fsr-3191	35	6	$	$	SYM
fsr-3191	35	7	500	500	NUM
fsr-3191	35	8	million	million	NUM
fsr-3191	35	9	in	in	ADP
fsr-3191	35	10	assets	asset	NOUN
fsr-3191	35	11	,	,	PUNCT
fsr-3191	35	12	nearly	nearly	ADV
fsr-3191	35	13	45	45	NUM
fsr-3191	35	14	%	%	NOUN
fsr-3191	35	15	of	of	ADP
fsr-3191	35	16	their	their	PRON
fsr-3191	35	17	assets	asset	NOUN
fsr-3191	35	18	were	be	AUX
fsr-3191	35	19	in	in	ADP
fsr-3191	35	20	cits	cit	NOUN
fsr-3191	35	21	in	in	ADP
fsr-3191	35	22	2022	2022	NUM
fsr-3191	35	23	,	,	PUNCT
fsr-3191	35	24	a	a	DET
fsr-3191	35	25	percentage	percentage	NOUN
fsr-3191	35	26	that	that	PRON
fsr-3191	35	27	has	have	AUX
fsr-3191	35	28	grown	grow	VERB
fsr-3191	35	29	over	over	ADP
fsr-3191	35	30	time	time	NOUN
fsr-3191	35	31	.	.	PUNCT
fsr-3191	36	1	smaller	small	ADJ
fsr-3191	36	2	plans	plan	NOUN
fsr-3191	36	3	have	have	AUX
fsr-3191	36	4	not	not	PART
fsr-3191	36	5	shifted	shift	VERB
fsr-3191	36	6	to	to	ADP
fsr-3191	36	7	cits	cit	NOUN
fsr-3191	36	8	,	,	PUNCT
fsr-3191	36	9	partly	partly	ADV
fsr-3191	36	10	because	because	SCONJ
fsr-3191	36	11	cit	cit	PROPN
fsr-3191	36	12	minimums	minimum	NOUN
fsr-3191	36	13	may	may	AUX
fsr-3191	36	14	be	be	AUX
fsr-3191	36	15	too	too	ADV
fsr-3191	36	16	high	high	ADJ
fsr-3191	36	17	for	for	ADP
fsr-3191	36	18	smaller	small	ADJ
fsr-3191	36	19	plans	plan	NOUN
fsr-3191	36	20	(	(	PUNCT
fsr-3191	36	21	morningstar	morningstar	NOUN
fsr-3191	36	22	,	,	PUNCT
fsr-3191	36	23	2022	2022	NUM
fsr-3191	36	24	)	)	PUNCT
fsr-3191	36	25	.	.	PUNCT
fsr-3191	37	1	the	the	DET
fsr-3191	37	2	cost	cost	NOUN
fsr-3191	37	3	differential	differential	NOUN
fsr-3191	37	4	between	between	ADP
fsr-3191	37	5	institutional	institutional	ADJ
fsr-3191	37	6	and	and	CCONJ
fsr-3191	37	7	retail	retail	ADJ
fsr-3191	37	8	share	share	NOUN
fsr-3191	37	9	classes	class	NOUN
fsr-3191	37	10	may	may	AUX
fsr-3191	37	11	be	be	AUX
fsr-3191	37	12	larger	large	ADJ
fsr-3191	37	13	in	in	ADP
fsr-3191	37	14	actively	actively	ADV
fsr-3191	37	15	managed	manage	VERB
fsr-3191	37	16	funds	fund	NOUN
fsr-3191	37	17	versus	versus	ADP
fsr-3191	37	18	index	index	NOUN
fsr-3191	37	19	funds	fund	NOUN
fsr-3191	37	20	.	.	PUNCT
fsr-3191	38	1	this	this	DET
fsr-3191	38	2	cost	cost	NOUN
fsr-3191	38	3	differential	differential	NOUN
fsr-3191	38	4	also	also	ADV
fsr-3191	38	5	appears	appear	VERB
fsr-3191	38	6	to	to	PART
fsr-3191	38	7	have	have	AUX
fsr-3191	38	8	diminished	diminish	VERB
fsr-3191	38	9	over	over	ADP
fsr-3191	38	10	time	time	NOUN
fsr-3191	38	11	,	,	PUNCT
fsr-3191	38	12	reducing	reduce	VERB
fsr-3191	38	13	the	the	DET
fsr-3191	38	14	cost	cost	NOUN
fsr-3191	38	15	advantage	advantage	NOUN
fsr-3191	38	16	of	of	ADP
fsr-3191	38	17	cits	cit	NOUN
fsr-3191	38	18	over	over	ADP
fsr-3191	38	19	mutual	mutual	ADJ
fsr-3191	38	20	funds	fund	NOUN
fsr-3191	38	21	.	.	PUNCT
fsr-3191	39	1	for	for	ADP
fsr-3191	39	2	example	example	NOUN
fsr-3191	39	3	,	,	PUNCT
fsr-3191	39	4	while	while	SCONJ
fsr-3191	39	5	one	one	NUM
fsr-3191	39	6	very	very	ADV
fsr-3191	39	7	large	large	ADJ
fsr-3191	39	8	plan	plan	NOUN
fsr-3191	39	9	sponsor	sponsor	NOUN
fsr-3191	39	10	offers	offer	VERB
fsr-3191	39	11	its	its	PRON
fsr-3191	39	12	401(k	401(k	NOUN
fsr-3191	39	13	)	)	PUNCT
fsr-3191	39	14	savers	saver	NOUN
fsr-3191	39	15	a	a	DET
fsr-3191	39	16	passive	passive	ADJ
fsr-3191	39	17	target	target	NOUN
fsr-3191	39	18	date	date	NOUN
fsr-3191	39	19	fund	fund	NOUN
fsr-3191	39	20	(	(	PUNCT
fsr-3191	39	21	tdf	tdf	PROPN
fsr-3191	39	22	)	)	PUNCT
fsr-3191	39	23	cit	cit	PROPN
fsr-3191	39	24	at	at	ADP
fsr-3191	39	25	6.5	6.5	NUM
fsr-3191	39	26	bps	bps	NOUN
fsr-3191	39	27	,	,	PUNCT
fsr-3191	39	28	vanguard	vanguard	NOUN
fsr-3191	39	29	recently	recently	ADV
fsr-3191	39	30	lowered	lower	VERB
fsr-3191	39	31	the	the	DET
fsr-3191	39	32	cost	cost	NOUN
fsr-3191	39	33	of	of	ADP
fsr-3191	39	34	its	its	PRON
fsr-3191	39	35	retail	retail	ADJ
fsr-3191	39	36	target	target	NOUN
fsr-3191	39	37	date	date	NOUN
fsr-3191	39	38	mutual	mutual	ADJ
fsr-3191	39	39	funds	fund	NOUN
fsr-3191	39	40	(	(	PUNCT
fsr-3191	39	41	available	available	ADJ
fsr-3191	39	42	to	to	ADP
fsr-3191	39	43	ira	ira	PROPN
fsr-3191	39	44	savers	saver	NOUN
fsr-3191	39	45	)	)	PUNCT
fsr-3191	39	46	to	to	ADP
fsr-3191	39	47	8	8	NUM
fsr-3191	39	48	bps	bps	NOUN
fsr-3191	39	49	(	(	PUNCT
fsr-3191	39	50	szala	szala	NOUN
fsr-3191	39	51	,	,	PUNCT
fsr-3191	39	52	2022	2022	NUM
fsr-3191	39	53	)	)	PUNCT
fsr-3191	39	54	.	.	PUNCT
fsr-3191	40	1	given	give	VERB
fsr-3191	40	2	these	these	DET
fsr-3191	40	3	small	small	ADJ
fsr-3191	40	4	differences	difference	NOUN
fsr-3191	40	5	,	,	PUNCT
fsr-3191	40	6	using	use	VERB
fsr-3191	40	7	a	a	DET
fsr-3191	40	8	401(k	401(k	NOUN
fsr-3191	40	9	)	)	PUNCT
fsr-3191	40	10	rather	rather	ADV
fsr-3191	40	11	than	than	ADP
fsr-3191	40	12	an	an	DET
fsr-3191	40	13	ira	ira	PROPN
fsr-3191	40	14	does	do	AUX
fsr-3191	40	15	not	not	PART
fsr-3191	40	16	automatically	automatically	ADV
fsr-3191	40	17	lead	lead	VERB
fsr-3191	40	18	to	to	ADP
fsr-3191	40	19	lower	low	ADJ
fsr-3191	40	20	investment	investment	NOUN
fsr-3191	40	21	fees	fee	NOUN
fsr-3191	40	22	,	,	PUNCT
fsr-3191	40	23	and	and	CCONJ
fsr-3191	40	24	financially	financially	ADV
fsr-3191	40	25	sophisticated	sophisticated	ADJ
fsr-3191	40	26	savers	saver	NOUN
fsr-3191	40	27	could	could	AUX
fsr-3191	40	28	build	build	VERB
fsr-3191	40	29	very	very	ADV
fsr-3191	40	30	low	low	ADJ
fsr-3191	40	31	-	-	PUNCT
fsr-3191	40	32	cost	cost	NOUN
fsr-3191	40	33	ira	ira	PROPN
fsr-3191	40	34	portfolios	portfolio	NOUN
fsr-3191	40	35	for	for	ADP
fsr-3191	40	36	themselves	themselves	PRON
fsr-3191	40	37	.	.	PUNCT
fsr-3191	41	1	nevertheless	nevertheless	ADV
fsr-3191	41	2	,	,	PUNCT
fsr-3191	41	3	most	most	ADJ
fsr-3191	41	4	participants	participant	NOUN
fsr-3191	41	5	are	be	AUX
fsr-3191	41	6	likely	likely	ADJ
fsr-3191	41	7	to	to	PART
fsr-3191	41	8	lack	lack	VERB
fsr-3191	41	9	the	the	DET
fsr-3191	41	10	skills	skill	NOUN
fsr-3191	41	11	to	to	PART
fsr-3191	41	12	do	do	VERB
fsr-3191	41	13	a	a	DET
fsr-3191	41	14	good	good	ADJ
fsr-3191	41	15	job	job	NOUN
fsr-3191	41	16	constructing	construct	VERB
fsr-3191	41	17	their	their	PRON
fsr-3191	41	18	own	own	ADJ
fsr-3191	41	19	portfolios	portfolio	NOUN
fsr-3191	41	20	without	without	ADP
fsr-3191	41	21	advice	advice	NOUN
fsr-3191	41	22	.	.	PUNCT
fsr-3191	42	1	for	for	ADP
fsr-3191	42	2	these	these	DET
fsr-3191	42	3	participants	participant	NOUN
fsr-3191	42	4	,	,	PUNCT
fsr-3191	42	5	the	the	DET
fsr-3191	42	6	ability	ability	NOUN
fsr-3191	42	7	to	to	PART
fsr-3191	42	8	stay	stay	VERB
fsr-3191	42	9	in	in	ADP
fsr-3191	42	10	an	an	DET
fsr-3191	42	11	institutionally	institutionally	ADV
fsr-3191	42	12	priced	price	VERB
fsr-3191	42	13	plan	plan	NOUN
fsr-3191	42	14	with	with	ADP
fsr-3191	42	15	a	a	DET
fsr-3191	42	16	professionally	professionally	ADV
fsr-3191	42	17	designed	design	VERB
fsr-3191	42	18	default	default	NOUN
fsr-3191	42	19	investment	investment	NOUN
fsr-3191	42	20	option	option	NOUN
fsr-3191	42	21	is	be	AUX
fsr-3191	42	22	likely	likely	ADJ
fsr-3191	42	23	to	to	PART
fsr-3191	42	24	lead	lead	VERB
fsr-3191	42	25	to	to	ADP
fsr-3191	42	26	a	a	DET
fsr-3191	42	27	lower	low	ADJ
fsr-3191	42	28	-	-	PUNCT
fsr-3191	42	29	cost	cost	NOUN
fsr-3191	42	30	outcome	outcome	NOUN
fsr-3191	42	31	.	.	PUNCT
fsr-3191	43	1	2.2	2.2	NUM
fsr-3191	43	2	.	.	PUNCT
fsr-3191	43	3	administrative	administrative	ADJ
fsr-3191	43	4	fees	fee	NOUN
fsr-3191	43	5	in	in	ADP
fsr-3191	43	6	addition	addition	NOUN
fsr-3191	43	7	to	to	ADP
fsr-3191	43	8	investment	investment	NOUN
fsr-3191	43	9	fees	fee	NOUN
fsr-3191	43	10	,	,	PUNCT
fsr-3191	43	11	401(k	401(k	PROPN
fsr-3191	43	12	)	)	PUNCT
fsr-3191	43	13	providers	provider	NOUN
fsr-3191	43	14	also	also	ADV
fsr-3191	43	15	charge	charge	VERB
fsr-3191	43	16	fees	fee	NOUN
fsr-3191	43	17	for	for	ADP
fsr-3191	43	18	asset	asset	NOUN
fsr-3191	43	19	custody	custody	NOUN
fsr-3191	43	20	,	,	PUNCT
fsr-3191	43	21	recordkeeping	recordkeeping	NOUN
fsr-3191	43	22	,	,	PUNCT
fsr-3191	43	23	and	and	CCONJ
fsr-3191	43	24	third	third	ADJ
fsr-3191	43	25	-	-	PUNCT
fsr-3191	43	26	party	party	NOUN
fsr-3191	43	27	administration	administration	NOUN
fsr-3191	43	28	.	.	PUNCT
fsr-3191	44	1	these	these	PRON
fsr-3191	44	2	are	be	AUX
fsr-3191	44	3	charged	charge	VERB
fsr-3191	44	4	either	either	CCONJ
fsr-3191	44	5	on	on	ADP
fsr-3191	44	6	a	a	DET
fsr-3191	44	7	per	per	ADP
fsr-3191	44	8	-	-	PUNCT
fsr-3191	44	9	participant	participant	NOUN
fsr-3191	44	10	basis	basis	NOUN
fsr-3191	44	11	,	,	PUNCT
fsr-3191	44	12	or	or	CCONJ
fsr-3191	44	13	as	as	ADP
fsr-3191	44	14	a	a	DET
fsr-3191	44	15	percentage	percentage	NOUN
fsr-3191	44	16	of	of	ADP
fsr-3191	44	17	assets	asset	NOUN
fsr-3191	44	18	under	under	ADP
fsr-3191	44	19	management	management	NOUN
fsr-3191	44	20	.	.	PUNCT
fsr-3191	45	1	additionally	additionally	ADV
fsr-3191	45	2	,	,	PUNCT
fsr-3191	45	3	plans	plan	NOUN
fsr-3191	45	4	may	may	AUX
fsr-3191	45	5	charge	charge	VERB
fsr-3191	45	6	for	for	ADP
fsr-3191	45	7	specific	specific	ADJ
fsr-3191	45	8	services	service	NOUN
fsr-3191	45	9	,	,	PUNCT
fsr-3191	45	10	such	such	ADJ
fsr-3191	45	11	as	as	ADP
fsr-3191	45	12	participant	participant	ADJ
fsr-3191	45	13	loans	loan	NOUN
fsr-3191	45	14	or	or	CCONJ
fsr-3191	45	15	withdrawals	withdrawal	NOUN
fsr-3191	45	16	.	.	PUNCT
fsr-3191	46	1	while	while	SCONJ
fsr-3191	46	2	some	some	DET
fsr-3191	46	3	ira	ira	PROPN
fsr-3191	46	4	providers	provider	NOUN
fsr-3191	46	5	do	do	AUX
fsr-3191	46	6	charge	charge	VERB
fsr-3191	46	7	participants	participant	NOUN
fsr-3191	46	8	a	a	DET
fsr-3191	46	9	small	small	ADJ
fsr-3191	46	10	annual	annual	ADJ
fsr-3191	46	11	administrative	administrative	ADJ
fsr-3191	46	12	(	(	PUNCT
fsr-3191	46	13	account	account	NOUN
fsr-3191	46	14	)	)	PUNCT
fsr-3191	46	15	fee	fee	NOUN
fsr-3191	46	16	,	,	PUNCT
fsr-3191	46	17	many	many	ADJ
fsr-3191	46	18	do	do	VERB
fsr-3191	46	19	not	not	PART
fsr-3191	46	20	,	,	PUNCT
fsr-3191	46	21	with	with	SCONJ
fsr-3191	46	22	their	their	PRON
fsr-3191	46	23	income	income	NOUN
fsr-3191	46	24	instead	instead	ADV
fsr-3191	46	25	generated	generate	VERB
fsr-3191	46	26	from	from	ADP
fsr-3191	46	27	investment	investment	NOUN
fsr-3191	46	28	expense	expense	NOUN
fsr-3191	46	29	charges	charge	NOUN
fsr-3191	46	30	levied	levy	VERB
fsr-3191	46	31	on	on	ADP
fsr-3191	46	32	assets	asset	NOUN
fsr-3191	46	33	under	under	ADP
fsr-3191	46	34	management	management	NOUN
fsr-3191	46	35	(	(	PUNCT
fsr-3191	46	36	folger	folger	NOUN
fsr-3191	46	37	,	,	PUNCT
fsr-3191	46	38	2022	2022	NUM
fsr-3191	46	39	)	)	PUNCT
fsr-3191	46	40	.	.	PUNCT
fsr-3191	47	1	one	one	NUM
fsr-3191	47	2	large	large	ADJ
fsr-3191	47	3	provider	provider	NOUN
fsr-3191	47	4	,	,	PUNCT
fsr-3191	47	5	for	for	ADP
fsr-3191	47	6	instance	instance	NOUN
fsr-3191	47	7	,	,	PUNCT
fsr-3191	47	8	has	have	VERB
fsr-3191	47	9	no	no	DET
fsr-3191	47	10	setup	setup	NOUN
fsr-3191	47	11	,	,	PUNCT
fsr-3191	47	12	annual	annual	ADJ
fsr-3191	47	13	,	,	PUNCT
fsr-3191	47	14	or	or	CCONJ
fsr-3191	47	15	maintenance	maintenance	NOUN
fsr-3191	47	16	fee	fee	NOUN
fsr-3191	47	17	.	.	PUNCT
fsr-3191	48	1	a	a	DET
fsr-3191	48	2	large	large	ADJ
fsr-3191	48	3	recordkeeper	recordkeeper	NOUN
fsr-3191	48	4	offers	offer	VERB
fsr-3191	48	5	an	an	DET
fsr-3191	48	6	ira	ira	PROPN
fsr-3191	48	7	with	with	ADP
fsr-3191	48	8	a	a	DET
fsr-3191	48	9	$	$	SYM
fsr-3191	48	10	20	20	NUM
fsr-3191	48	11	annual	annual	ADJ
fsr-3191	48	12	fee	fee	NOUN
fsr-3191	48	13	plus	plus	CCONJ
fsr-3191	48	14	a	a	DET
fsr-3191	48	15	$	$	SYM
fsr-3191	48	16	20	20	NUM
fsr-3191	48	17	annual	annual	ADJ
fsr-3191	48	18	fee	fee	NOUN
fsr-3191	48	19	on	on	ADP
fsr-3191	48	20	mutual	mutual	ADJ
fsr-3191	48	21	funds	fund	NOUN
fsr-3191	48	22	for	for	ADP
fsr-3191	48	23	balances	balance	NOUN
fsr-3191	48	24	less	less	ADJ
fsr-3191	48	25	than	than	ADP
fsr-3191	48	26	$	$	SYM
fsr-3191	48	27	10,000	10,000	NUM
fsr-3191	48	28	.	.	PUNCT
fsr-3191	49	1	participants	participant	NOUN
fsr-3191	49	2	can	can	AUX
fsr-3191	49	3	waive	waive	VERB
fsr-3191	49	4	both	both	DET
fsr-3191	49	5	fees	fee	NOUN
fsr-3191	49	6	by	by	ADP
fsr-3191	49	7	signing	sign	VERB
fsr-3191	49	8	up	up	ADP
fsr-3191	49	9	for	for	ADP
fsr-3191	49	10	electronic	electronic	ADJ
fsr-3191	49	11	delivery	delivery	NOUN
fsr-3191	49	12	of	of	ADP
fsr-3191	49	13	account	account	NOUN
fsr-3191	49	14	documents	document	NOUN
fsr-3191	49	15	(	(	PUNCT
fsr-3191	49	16	ira	ira	PROPN
fsr-3191	49	17	reviews	review	NOUN
fsr-3191	49	18	,	,	PUNCT
fsr-3191	49	19	2021	2021	NUM
fsr-3191	49	20	)	)	PUNCT
fsr-3191	49	21	.	.	PUNCT
fsr-3191	50	1	robo	robo	NOUN
fsr-3191	50	2	-	-	PUNCT
fsr-3191	50	3	advisors	advisor	NOUN
fsr-3191	50	4	are	be	AUX
fsr-3191	50	5	also	also	ADV
fsr-3191	50	6	available	available	ADJ
fsr-3191	50	7	;	;	PUNCT
fsr-3191	50	8	these	these	PRON
fsr-3191	50	9	tend	tend	VERB
fsr-3191	50	10	to	to	PART
fsr-3191	50	11	be	be	AUX
fsr-3191	50	12	low	low	ADJ
fsr-3191	50	13	-	-	PUNCT
fsr-3191	50	14	cost	cost	NOUN
fsr-3191	50	15	automated	automate	VERB
fsr-3191	50	16	online	online	ADJ
fsr-3191	50	17	platforms	platform	NOUN
fsr-3191	50	18	that	that	PRON
fsr-3191	50	19	manage	manage	VERB
fsr-3191	50	20	participant	participant	ADJ
fsr-3191	50	21	assets	asset	NOUN
fsr-3191	50	22	based	base	VERB
fsr-3191	50	23	on	on	ADP
fsr-3191	50	24	employee	employee	NOUN
fsr-3191	50	25	preferences	preference	NOUN
fsr-3191	50	26	elicited	elicit	VERB
fsr-3191	50	27	via	via	ADP
fsr-3191	50	28	online	online	ADJ
fsr-3191	50	29	surveys	survey	NOUN
fsr-3191	50	30	.	.	PUNCT
fsr-3191	51	1	one	one	NUM
fsr-3191	51	2	large	large	ADJ
fsr-3191	51	3	robo	robo	NOUN
fsr-3191	51	4	-	-	PUNCT
fsr-3191	51	5	advisor	advisor	NOUN
fsr-3191	51	6	charges	charge	VERB
fsr-3191	51	7	the	the	DET
fsr-3191	51	8	same	same	ADJ
fsr-3191	51	9	fees	fee	NOUN
fsr-3191	51	10	(	(	PUNCT
fsr-3191	51	11	in	in	ADP
fsr-3191	51	12	basis	basis	NOUN
fsr-3191	51	13	points	point	NOUN
fsr-3191	51	14	)	)	PUNCT
fsr-3191	51	15	for	for	ADP
fsr-3191	51	16	small	small	ADJ
fsr-3191	51	17	and	and	CCONJ
fsr-3191	51	18	large	large	ADJ
fsr-3191	51	19	accounts	account	NOUN
fsr-3191	51	20	(	(	PUNCT
fsr-3191	51	21	betterment	betterment	NOUN
fsr-3191	51	22	,	,	PUNCT
fsr-3191	51	23	2021	2021	NUM
fsr-3191	51	24	)	)	PUNCT
fsr-3191	51	25	.	.	PUNCT
fsr-3191	52	1	o.	o.	PROPN
fsr-3191	52	2	s.	s.	PROPN
fsr-3191	52	3	mitchell	mitchell	PROPN
fsr-3191	52	4	et	et	PROPN
fsr-3191	52	5	al	al	PROPN
fsr-3191	52	6	.	.	PUNCT
fsr-3191	52	7	/	/	SYM
fsr-3191	52	8	financial	financial	ADJ
fsr-3191	52	9	services	service	NOUN
fsr-3191	52	10	review	review	VERB
fsr-3191	52	11	31	31	NUM
fsr-3191	52	12	(	(	PUNCT
fsr-3191	52	13	2023	2023	NUM
fsr-3191	52	14	)	)	PUNCT
fsr-3191	52	15	1–21	1–21	PROPN
fsr-3191	52	16	3	3	NUM
fsr-3191	52	17	relatively	relatively	ADV
fsr-3191	52	18	less	less	ADJ
fsr-3191	52	19	information	information	NOUN
fsr-3191	52	20	is	be	AUX
fsr-3191	52	21	available	available	ADJ
fsr-3191	52	22	on	on	ADP
fsr-3191	52	23	401(k	401(k	PROPN
fsr-3191	52	24	)	)	PUNCT
fsr-3191	52	25	plan	plan	VERB
fsr-3191	52	26	administrative	administrative	ADJ
fsr-3191	52	27	fees	fee	NOUN
fsr-3191	52	28	.	.	PUNCT
fsr-3191	53	1	in	in	ADP
fsr-3191	53	2	a	a	DET
fsr-3191	53	3	recent	recent	ADJ
fsr-3191	53	4	pension	pension	NOUN
fsr-3191	53	5	fees	fee	NOUN
fsr-3191	53	6	lawsuit	lawsuit	NOUN
fsr-3191	53	7	,	,	PUNCT
fsr-3191	53	8	one	one	NUM
fsr-3191	53	9	large	large	ADJ
fsr-3191	53	10	company	company	NOUN
fsr-3191	53	11	was	be	AUX
fsr-3191	53	12	reported	report	VERB
fsr-3191	53	13	to	to	PART
fsr-3191	53	14	have	have	AUX
fsr-3191	53	15	charged	charge	VERB
fsr-3191	53	16	86	86	NUM
fsr-3191	53	17	bps	bps	NOUN
fsr-3191	53	18	in	in	ADP
fsr-3191	53	19	administrative	administrative	ADJ
fsr-3191	53	20	fees	fee	NOUN
fsr-3191	53	21	,	,	PUNCT
fsr-3191	53	22	much	much	ADV
fsr-3191	53	23	higher	high	ADJ
fsr-3191	53	24	than	than	ADP
fsr-3191	53	25	the	the	DET
fsr-3191	53	26	average	average	ADJ
fsr-3191	53	27	44	44	NUM
fsr-3191	53	28	bps	bps	NOUN
fsr-3191	53	29	charged	charge	VERB
fsr-3191	53	30	by	by	ADP
fsr-3191	53	31	comparable	comparable	ADJ
fsr-3191	53	32	plans	plan	NOUN
fsr-3191	53	33	having	have	VERB
fsr-3191	53	34	a	a	DET
fsr-3191	53	35	similar	similar	ADJ
fsr-3191	53	36	asset	asset	NOUN
fsr-3191	53	37	range	range	NOUN
fsr-3191	53	38	(	(	PUNCT
fsr-3191	53	39	$	$	SYM
fsr-3191	53	40	250	250	NUM
fsr-3191	53	41	to	to	PART
fsr-3191	53	42	$	$	SYM
fsr-3191	53	43	500	500	NUM
fsr-3191	53	44	million	million	NUM
fsr-3191	53	45	;	;	PUNCT
fsr-3191	53	46	manganaro	manganaro	NOUN
fsr-3191	53	47	,	,	PUNCT
fsr-3191	53	48	2019	2019	NUM
fsr-3191	53	49	)	)	PUNCT
fsr-3191	53	50	.	.	PUNCT
fsr-3191	54	1	a	a	DET
fsr-3191	54	2	different	different	ADJ
fsr-3191	54	3	pension	pension	NOUN
fsr-3191	54	4	fee	fee	NOUN
fsr-3191	54	5	lawsuit	lawsuit	NOUN
fsr-3191	54	6	was	be	AUX
fsr-3191	54	7	filed	file	VERB
fsr-3191	54	8	against	against	ADP
fsr-3191	54	9	a	a	DET
fsr-3191	54	10	company	company	NOUN
fsr-3191	54	11	with	with	ADP
fsr-3191	54	12	annual	annual	ADJ
fsr-3191	54	13	recordkeeping	recordkeeping	NOUN
fsr-3191	54	14	fees	fee	NOUN
fsr-3191	54	15	of	of	ADP
fsr-3191	54	16	about	about	ADV
fsr-3191	54	17	$	$	SYM
fsr-3191	54	18	80	80	NUM
fsr-3191	54	19	per	per	ADP
fsr-3191	54	20	participant	participant	NOUN
fsr-3191	54	21	(	(	PUNCT
fsr-3191	54	22	manganaro	manganaro	NOUN
fsr-3191	54	23	,	,	PUNCT
fsr-3191	54	24	2021	2021	NUM
fsr-3191	54	25	)	)	PUNCT
fsr-3191	54	26	.	.	PUNCT
fsr-3191	55	1	schimmer	schimmer	NOUN
fsr-3191	55	2	(	(	PUNCT
fsr-3191	55	3	2021	2021	NUM
fsr-3191	55	4	)	)	PUNCT
fsr-3191	55	5	reported	report	VERB
fsr-3191	55	6	that	that	SCONJ
fsr-3191	55	7	the	the	DET
fsr-3191	55	8	median	median	ADJ
fsr-3191	55	9	annual	annual	ADJ
fsr-3191	55	10	recordkeeping	recordkeeping	NOUN
fsr-3191	55	11	fee	fee	NOUN
fsr-3191	55	12	was	be	AUX
fsr-3191	55	13	$	$	SYM
fsr-3191	55	14	59	59	NUM
fsr-3191	55	15	per	per	ADP
fsr-3191	55	16	participant	participant	NOUN
fsr-3191	55	17	in	in	ADP
fsr-3191	55	18	2017	2017	NUM
fsr-3191	55	19	.	.	PUNCT
fsr-3191	56	1	recordkeeping	recordkeeping	NOUN
fsr-3191	56	2	fees	fee	NOUN
fsr-3191	56	3	are	be	AUX
fsr-3191	56	4	charged	charge	VERB
fsr-3191	56	5	either	either	CCONJ
fsr-3191	56	6	as	as	ADP
fsr-3191	56	7	per	per	ADP
fsr-3191	56	8	participant	participant	ADJ
fsr-3191	56	9	flat	flat	ADJ
fsr-3191	56	10	fees	fee	NOUN
fsr-3191	56	11	or	or	CCONJ
fsr-3191	56	12	as	as	ADP
fsr-3191	56	13	a	a	DET
fsr-3191	56	14	percentage	percentage	NOUN
fsr-3191	56	15	of	of	ADP
fsr-3191	56	16	assets	asset	NOUN
fsr-3191	56	17	across	across	ADP
fsr-3191	56	18	the	the	DET
fsr-3191	56	19	whole	whole	ADJ
fsr-3191	56	20	plan	plan	NOUN
fsr-3191	56	21	;	;	PUNCT
fsr-3191	56	22	for	for	ADP
fsr-3191	56	23	low	low	ADJ
fsr-3191	56	24	-	-	PUNCT
fsr-3191	56	25	balance	balance	NOUN
fsr-3191	56	26	participants	participant	NOUN
fsr-3191	56	27	,	,	PUNCT
fsr-3191	56	28	the	the	DET
fsr-3191	56	29	latter	latter	ADJ
fsr-3191	56	30	approach	approach	NOUN
fsr-3191	56	31	is	be	AUX
fsr-3191	56	32	more	more	ADV
fsr-3191	56	33	advantageous	advantageous	ADJ
fsr-3191	56	34	.	.	PUNCT
fsr-3191	57	1	sometimes	sometimes	ADV
fsr-3191	57	2	employers	employer	NOUN
fsr-3191	57	3	will	will	AUX
fsr-3191	57	4	cover	cover	VERB
fsr-3191	57	5	active	active	ADJ
fsr-3191	57	6	employees	employee	NOUN
fsr-3191	57	7	’	’	PART
fsr-3191	57	8	administrative	administrative	ADJ
fsr-3191	57	9	fees	fee	NOUN
fsr-3191	57	10	,	,	PUNCT
fsr-3191	57	11	so	so	SCONJ
fsr-3191	57	12	these	these	DET
fsr-3191	57	13	workers	worker	NOUN
fsr-3191	57	14	need	need	AUX
fsr-3191	57	15	not	not	PART
fsr-3191	57	16	incur	incur	VERB
fsr-3191	57	17	these	these	DET
fsr-3191	57	18	costs	cost	NOUN
fsr-3191	57	19	out	out	ADP
fsr-3191	57	20	of	of	ADP
fsr-3191	57	21	pocket	pocket	NOUN
fsr-3191	57	22	.	.	PUNCT
fsr-3191	58	1	2.3	2.3	NUM
fsr-3191	58	2	.	.	PUNCT
fsr-3191	59	1	the	the	DET
fsr-3191	59	2	impact	impact	NOUN
fsr-3191	59	3	of	of	ADP
fsr-3191	59	4	plan	plan	NOUN
fsr-3191	59	5	size	size	NOUN
fsr-3191	59	6	on	on	ADP
fsr-3191	59	7	401(k	401(k	PROPN
fsr-3191	59	8	)	)	PUNCT
fsr-3191	59	9	fees	fee	NOUN
fsr-3191	59	10	fees	fee	NOUN
fsr-3191	59	11	for	for	ADP
fsr-3191	59	12	401(k	401(k	NOUN
fsr-3191	59	13	)	)	PUNCT
fsr-3191	59	14	plans	plan	NOUN
fsr-3191	59	15	vary	vary	VERB
fsr-3191	59	16	considerably	considerably	ADV
fsr-3191	59	17	by	by	ADP
fsr-3191	59	18	plan	plan	NOUN
fsr-3191	59	19	size	size	NOUN
fsr-3191	59	20	.	.	PUNCT
fsr-3191	60	1	the	the	DET
fsr-3191	60	2	majority	majority	NOUN
fsr-3191	60	3	of	of	ADP
fsr-3191	60	4	401(k	401(k	PROPN
fsr-3191	60	5	)	)	PUNCT
fsr-3191	60	6	participants	participant	NOUN
fsr-3191	60	7	are	be	AUX
fsr-3191	60	8	in	in	ADP
fsr-3191	60	9	large	large	ADJ
fsr-3191	60	10	plans	plan	NOUN
fsr-3191	60	11	,	,	PUNCT
fsr-3191	60	12	which	which	PRON
fsr-3191	60	13	usually	usually	ADV
fsr-3191	60	14	charge	charge	VERB
fsr-3191	60	15	lower	low	ADJ
fsr-3191	60	16	fees	fee	NOUN
fsr-3191	60	17	than	than	SCONJ
fsr-3191	60	18	do	do	VERB
fsr-3191	60	19	small	small	ADJ
fsr-3191	60	20	plans	plan	NOUN
fsr-3191	60	21	.	.	PUNCT
fsr-3191	61	1	for	for	ADP
fsr-3191	61	2	instance	instance	NOUN
fsr-3191	61	3	,	,	PUNCT
fsr-3191	61	4	88	88	NUM
fsr-3191	61	5	%	%	NOUN
fsr-3191	61	6	of	of	ADP
fsr-3191	61	7	private	private	ADJ
fsr-3191	61	8	sector	sector	NOUN
fsr-3191	61	9	defined	define	VERB
fsr-3191	61	10	contribution	contribution	NOUN
fsr-3191	61	11	participants	participant	NOUN
fsr-3191	61	12	were	be	AUX
fsr-3191	61	13	covered	cover	VERB
fsr-3191	61	14	by	by	ADP
fsr-3191	61	15	plans	plan	NOUN
fsr-3191	61	16	with	with	ADP
fsr-3191	61	17	100	100	NUM
fsr-3191	61	18	+	+	NUM
fsr-3191	61	19	participants	participant	NOUN
fsr-3191	61	20	in	in	ADP
fsr-3191	61	21	2018	2018	NUM
fsr-3191	61	22	(	(	PUNCT
fsr-3191	61	23	employee	employee	NOUN
fsr-3191	61	24	benefits	benefit	VERB
fsr-3191	61	25	security	security	NOUN
fsr-3191	61	26	administration	administration	NOUN
fsr-3191	61	27	,	,	PUNCT
fsr-3191	61	28	2021	2021	NUM
fsr-3191	61	29	)	)	PUNCT
fsr-3191	61	30	.	.	PUNCT
fsr-3191	62	1	brightscope	brightscope	NOUN
fsr-3191	62	2	/	/	SYM
fsr-3191	62	3	investment	investment	NOUN
fsr-3191	62	4	company	company	NOUN
fsr-3191	62	5	institute	institute	NOUN
fsr-3191	62	6	(	(	PUNCT
fsr-3191	62	7	2020	2020	NUM
fsr-3191	62	8	)	)	PUNCT
fsr-3191	62	9	found	find	VERB
fsr-3191	62	10	that	that	SCONJ
fsr-3191	62	11	401(k	401(k	NOUN
fsr-3191	62	12	)	)	PUNCT
fsr-3191	62	13	plans	plan	NOUN
fsr-3191	62	14	with	with	ADP
fsr-3191	62	15	under	under	ADP
fsr-3191	62	16	$	$	SYM
fsr-3191	62	17	1	1	NUM
fsr-3191	62	18	million	million	NUM
fsr-3191	62	19	in	in	ADP
fsr-3191	62	20	assets	asset	NOUN
fsr-3191	62	21	had	have	VERB
fsr-3191	62	22	average	average	ADJ
fsr-3191	62	23	total	total	ADJ
fsr-3191	62	24	costs	cost	NOUN
fsr-3191	62	25	of	of	ADP
fsr-3191	62	26	144	144	NUM
fsr-3191	62	27	bps	bps	NOUN
fsr-3191	62	28	,	,	PUNCT
fsr-3191	62	29	versus	versus	ADP
fsr-3191	62	30	48	48	NUM
fsr-3191	62	31	bps	bps	NOUN
fsr-3191	62	32	for	for	ADP
fsr-3191	62	33	plans	plan	NOUN
fsr-3191	62	34	with	with	ADP
fsr-3191	62	35	$	$	SYM
fsr-3191	62	36	100–$250	100–$250	NUM
fsr-3191	62	37	million	million	NUM
fsr-3191	62	38	in	in	ADP
fsr-3191	62	39	assets	asset	NOUN
fsr-3191	62	40	,	,	PUNCT
fsr-3191	62	41	and	and	CCONJ
fsr-3191	62	42	28	28	NUM
fsr-3191	62	43	bps	bps	NOUN
fsr-3191	62	44	for	for	ADP
fsr-3191	62	45	plans	plan	NOUN
fsr-3191	62	46	with	with	ADP
fsr-3191	62	47	over	over	ADP
fsr-3191	62	48	$	$	SYM
fsr-3191	62	49	1	1	NUM
fsr-3191	62	50	billion	billion	NUM
fsr-3191	62	51	in	in	ADP
fsr-3191	62	52	2017	2017	NUM
fsr-3191	62	53	.	.	PUNCT
fsr-3191	63	1	one	one	NUM
fsr-3191	63	2	reason	reason	NOUN
fsr-3191	63	3	that	that	SCONJ
fsr-3191	63	4	large	large	ADJ
fsr-3191	63	5	401(k	401(k	NOUN
fsr-3191	63	6	)	)	PUNCT
fsr-3191	63	7	plans	plan	NOUN
fsr-3191	63	8	charge	charge	VERB
fsr-3191	63	9	lower	low	ADJ
fsr-3191	63	10	fees	fee	NOUN
fsr-3191	63	11	than	than	ADP
fsr-3191	63	12	small	small	ADJ
fsr-3191	63	13	plans	plan	NOUN
fsr-3191	63	14	is	be	AUX
fsr-3191	63	15	that	that	SCONJ
fsr-3191	63	16	the	the	DET
fsr-3191	63	17	former	former	ADJ
fsr-3191	63	18	tend	tend	VERB
fsr-3191	63	19	to	to	PART
fsr-3191	63	20	be	be	AUX
fsr-3191	63	21	more	more	ADV
fsr-3191	63	22	heavily	heavily	ADV
fsr-3191	63	23	invested	invest	VERB
fsr-3191	63	24	in	in	ADP
fsr-3191	63	25	index	index	NOUN
fsr-3191	63	26	funds	fund	NOUN
fsr-3191	63	27	;	;	PUNCT
fsr-3191	63	28	accordingly	accordingly	ADV
fsr-3191	63	29	,	,	PUNCT
fsr-3191	63	30	the	the	DET
fsr-3191	63	31	higher	high	ADJ
fsr-3191	63	32	fees	fee	NOUN
fsr-3191	63	33	that	that	PRON
fsr-3191	63	34	characterize	characterize	VERB
fsr-3191	63	35	small	small	ADJ
fsr-3191	63	36	plans	plan	NOUN
fsr-3191	63	37	are	be	AUX
fsr-3191	63	38	in	in	ADP
fsr-3191	63	39	part	part	NOUN
fsr-3191	63	40	due	due	ADP
fsr-3191	63	41	to	to	ADP
fsr-3191	63	42	the	the	DET
fsr-3191	63	43	investment	investment	NOUN
fsr-3191	63	44	choices	choice	NOUN
fsr-3191	63	45	selected	select	VERB
fsr-3191	63	46	by	by	ADP
fsr-3191	63	47	plan	plan	NOUN
fsr-3191	63	48	sponsors	sponsor	NOUN
fsr-3191	63	49	.	.	PUNCT
fsr-3191	64	1	specifically	specifically	ADV
fsr-3191	64	2	,	,	PUNCT
fsr-3191	64	3	index	index	NOUN
fsr-3191	64	4	funds	fund	NOUN
fsr-3191	64	5	comprised	comprise	VERB
fsr-3191	64	6	23	23	NUM
fsr-3191	64	7	%	%	NOUN
fsr-3191	64	8	of	of	ADP
fsr-3191	64	9	assets	asset	NOUN
fsr-3191	64	10	in	in	ADP
fsr-3191	64	11	plans	plan	NOUN
fsr-3191	64	12	with	with	ADP
fsr-3191	64	13	under	under	ADP
fsr-3191	64	14	$	$	SYM
fsr-3191	64	15	1	1	NUM
fsr-3191	64	16	million	million	NUM
fsr-3191	64	17	in	in	ADP
fsr-3191	64	18	plan	plan	NOUN
fsr-3191	64	19	assets	asset	NOUN
fsr-3191	64	20	,	,	PUNCT
fsr-3191	64	21	versus	versus	ADP
fsr-3191	64	22	40	40	NUM
fsr-3191	64	23	%	%	NOUN
fsr-3191	64	24	of	of	ADP
fsr-3191	64	25	assets	asset	NOUN
fsr-3191	64	26	in	in	ADP
fsr-3191	64	27	plans	plan	NOUN
fsr-3191	64	28	with	with	ADP
fsr-3191	64	29	over	over	ADP
fsr-3191	64	30	$	$	SYM
fsr-3191	64	31	1	1	NUM
fsr-3191	64	32	billion	billion	NUM
fsr-3191	64	33	(	(	PUNCT
fsr-3191	64	34	brightscope	brightscope	NOUN
fsr-3191	64	35	/	/	SYM
fsr-3191	64	36	investment	investment	NOUN
fsr-3191	64	37	company	company	NOUN
fsr-3191	64	38	institute	institute	NOUN
fsr-3191	64	39	,	,	PUNCT
fsr-3191	64	40	2020	2020	NUM
fsr-3191	64	41	)	)	PUNCT
fsr-3191	64	42	.	.	PUNCT
fsr-3191	65	1	over	over	ADP
fsr-3191	65	2	95	95	NUM
fsr-3191	65	3	%	%	NOUN
fsr-3191	65	4	of	of	ADP
fsr-3191	65	5	401(k	401(k	PROPN
fsr-3191	65	6	)	)	PUNCT
fsr-3191	65	7	plans	plan	NOUN
fsr-3191	65	8	with	with	ADP
fsr-3191	65	9	$	$	SYM
fsr-3191	65	10	10	10	NUM
fsr-3191	65	11	+	+	NUM
fsr-3191	65	12	million	million	NUM
fsr-3191	65	13	in	in	ADP
fsr-3191	65	14	assets	asset	NOUN
fsr-3191	65	15	offered	offer	VERB
fsr-3191	65	16	index	index	NOUN
fsr-3191	65	17	funds	fund	NOUN
fsr-3191	65	18	in	in	ADP
fsr-3191	65	19	their	their	PRON
fsr-3191	65	20	investment	investment	NOUN
fsr-3191	65	21	options	option	NOUN
fsr-3191	65	22	,	,	PUNCT
fsr-3191	65	23	while	while	SCONJ
fsr-3191	65	24	79	79	NUM
fsr-3191	65	25	%	%	NOUN
fsr-3191	65	26	of	of	ADP
fsr-3191	65	27	401(k	401(k	PROPN
fsr-3191	65	28	)	)	PUNCT
fsr-3191	65	29	plans	plan	NOUN
fsr-3191	65	30	with	with	ADP
fsr-3191	65	31	under	under	ADP
fsr-3191	65	32	$	$	SYM
fsr-3191	65	33	1	1	NUM
fsr-3191	65	34	million	million	NUM
fsr-3191	65	35	did	do	VERB
fsr-3191	65	36	so	so	ADV
fsr-3191	65	37	in	in	ADP
fsr-3191	65	38	2017	2017	NUM
fsr-3191	65	39	.	.	PUNCT
fsr-3191	66	1	in	in	ADP
fsr-3191	66	2	addition	addition	NOUN
fsr-3191	66	3	to	to	ADP
fsr-3191	66	4	being	be	AUX
fsr-3191	66	5	more	more	ADV
fsr-3191	66	6	likely	likely	ADJ
fsr-3191	66	7	to	to	PART
fsr-3191	66	8	offer	offer	VERB
fsr-3191	66	9	index	index	NOUN
fsr-3191	66	10	funds	fund	NOUN
fsr-3191	66	11	,	,	PUNCT
fsr-3191	66	12	participants	participant	NOUN
fsr-3191	66	13	in	in	ADP
fsr-3191	66	14	larger	large	ADJ
fsr-3191	66	15	plans	plan	NOUN
fsr-3191	66	16	often	often	ADV
fsr-3191	66	17	also	also	ADV
fsr-3191	66	18	have	have	VERB
fsr-3191	66	19	access	access	NOUN
fsr-3191	66	20	to	to	ADP
fsr-3191	66	21	lower	low	ADJ
fsr-3191	66	22	-	-	PUNCT
fsr-3191	66	23	cost	cost	NOUN
fsr-3191	66	24	institutional	institutional	ADJ
fsr-3191	66	25	share	share	NOUN
fsr-3191	66	26	classes	class	NOUN
fsr-3191	66	27	.	.	PUNCT
fsr-3191	67	1	for	for	ADP
fsr-3191	67	2	instance	instance	NOUN
fsr-3191	67	3	,	,	PUNCT
fsr-3191	67	4	401(k	401(k	PROPN
fsr-3191	67	5	)	)	PUNCT
fsr-3191	67	6	plans	plan	NOUN
fsr-3191	67	7	with	with	ADP
fsr-3191	67	8	assets	asset	NOUN
fsr-3191	67	9	below	below	ADP
fsr-3191	67	10	$	$	SYM
fsr-3191	67	11	1	1	NUM
fsr-3191	67	12	million	million	NUM
fsr-3191	67	13	charged	charge	VERB
fsr-3191	67	14	an	an	DET
fsr-3191	67	15	average	average	NOUN
fsr-3191	67	16	of	of	ADP
fsr-3191	67	17	76	76	NUM
fsr-3191	67	18	bps	bps	NOUN
fsr-3191	67	19	for	for	ADP
fsr-3191	67	20	target	target	NOUN
fsr-3191	67	21	date	date	NOUN
fsr-3191	67	22	mutual	mutual	ADJ
fsr-3191	67	23	funds	fund	NOUN
fsr-3191	67	24	and	and	CCONJ
fsr-3191	67	25	18	18	NUM
fsr-3191	67	26	bps	bps	NOUN
fsr-3191	67	27	for	for	ADP
fsr-3191	67	28	index	index	NOUN
fsr-3191	67	29	mutual	mutual	ADJ
fsr-3191	67	30	funds	fund	NOUN
fsr-3191	67	31	in	in	ADP
fsr-3191	67	32	2018	2018	NUM
fsr-3191	67	33	;	;	PUNCT
fsr-3191	67	34	this	this	PRON
fsr-3191	67	35	compares	compare	VERB
fsr-3191	67	36	with	with	ADP
fsr-3191	67	37	37	37	NUM
fsr-3191	67	38	bps	bps	NOUN
fsr-3191	67	39	for	for	ADP
fsr-3191	67	40	target	target	NOUN
fsr-3191	67	41	date	date	NOUN
fsr-3191	67	42	mutual	mutual	ADJ
fsr-3191	67	43	funds	fund	NOUN
fsr-3191	67	44	and	and	CCONJ
fsr-3191	67	45	6	6	NUM
fsr-3191	67	46	bps	bps	NOUN
fsr-3191	67	47	points	point	NOUN
fsr-3191	67	48	on	on	ADP
fsr-3191	67	49	index	index	NOUN
fsr-3191	67	50	mutual	mutual	ADJ
fsr-3191	67	51	funds	fund	NOUN
fsr-3191	67	52	in	in	ADP
fsr-3191	67	53	plans	plan	NOUN
fsr-3191	67	54	with	with	ADP
fsr-3191	67	55	assets	asset	NOUN
fsr-3191	67	56	over	over	ADP
fsr-3191	67	57	$	$	SYM
fsr-3191	67	58	1	1	NUM
fsr-3191	67	59	billion	billion	NUM
fsr-3191	67	60	(	(	PUNCT
fsr-3191	67	61	brightscope	brightscope	NOUN
fsr-3191	67	62	/	/	SYM
fsr-3191	67	63	investment	investment	NOUN
fsr-3191	67	64	company	company	NOUN
fsr-3191	67	65	institute	institute	NOUN
fsr-3191	67	66	,	,	PUNCT
fsr-3191	67	67	2020	2020	NUM
fsr-3191	67	68	)	)	PUNCT
fsr-3191	67	69	.	.	PUNCT
fsr-3191	68	1	another	another	DET
fsr-3191	68	2	reason	reason	NOUN
fsr-3191	68	3	that	that	PRON
fsr-3191	68	4	larger	large	ADJ
fsr-3191	68	5	plans	plan	NOUN
fsr-3191	68	6	have	have	VERB
fsr-3191	68	7	lower	low	ADJ
fsr-3191	68	8	costs	cost	NOUN
fsr-3191	68	9	is	be	AUX
fsr-3191	68	10	that	that	SCONJ
fsr-3191	68	11	they	they	PRON
fsr-3191	68	12	may	may	AUX
fsr-3191	68	13	benefit	benefit	VERB
fsr-3191	68	14	from	from	ADP
fsr-3191	68	15	economies	economy	NOUN
fsr-3191	68	16	of	of	ADP
fsr-3191	68	17	scale	scale	NOUN
fsr-3191	68	18	in	in	ADP
fsr-3191	68	19	performing	perform	VERB
fsr-3191	68	20	their	their	PRON
fsr-3191	68	21	administrative	administrative	ADJ
fsr-3191	68	22	tasks	task	NOUN
fsr-3191	68	23	.	.	PUNCT
fsr-3191	69	1	for	for	ADP
fsr-3191	69	2	instance	instance	NOUN
fsr-3191	69	3	,	,	PUNCT
fsr-3191	69	4	many	many	ADJ
fsr-3191	69	5	administrative	administrative	ADJ
fsr-3191	69	6	functions	function	NOUN
fsr-3191	69	7	such	such	ADJ
fsr-3191	69	8	as	as	ADP
fsr-3191	69	9	nondiscrimination	nondiscrimination	NOUN
fsr-3191	69	10	testing	testing	NOUN
fsr-3191	69	11	or	or	CCONJ
fsr-3191	69	12	regulatory	regulatory	ADJ
fsr-3191	69	13	reporting	reporting	NOUN
fsr-3191	69	14	can	can	AUX
fsr-3191	69	15	cost	cost	VERB
fsr-3191	69	16	the	the	DET
fsr-3191	69	17	same	same	ADJ
fsr-3191	69	18	,	,	PUNCT
fsr-3191	69	19	regardless	regardless	ADV
fsr-3191	69	20	of	of	ADP
fsr-3191	69	21	the	the	DET
fsr-3191	69	22	size	size	NOUN
fsr-3191	69	23	of	of	ADP
fsr-3191	69	24	the	the	DET
fsr-3191	69	25	plan	plan	NOUN
fsr-3191	69	26	.	.	PUNCT
fsr-3191	70	1	as	as	ADP
fsr-3191	70	2	a	a	DET
fsr-3191	70	3	result	result	NOUN
fsr-3191	70	4	,	,	PUNCT
fsr-3191	70	5	administrative	administrative	ADJ
fsr-3191	70	6	fees	fee	NOUN
fsr-3191	70	7	as	as	ADP
fsr-3191	70	8	a	a	DET
fsr-3191	70	9	percentage	percentage	NOUN
fsr-3191	70	10	of	of	ADP
fsr-3191	70	11	assets	asset	NOUN
fsr-3191	70	12	tend	tend	VERB
fsr-3191	70	13	to	to	PART
fsr-3191	70	14	be	be	AUX
fsr-3191	70	15	higher	high	ADJ
fsr-3191	70	16	for	for	ADP
fsr-3191	70	17	small	small	ADJ
fsr-3191	70	18	plans	plan	NOUN
fsr-3191	70	19	than	than	ADP
fsr-3191	70	20	for	for	ADP
fsr-3191	70	21	large	large	ADJ
fsr-3191	70	22	plans	plan	NOUN
fsr-3191	70	23	;	;	PUNCT
fsr-3191	70	24	this	this	PRON
fsr-3191	70	25	is	be	AUX
fsr-3191	70	26	one	one	NUM
fsr-3191	70	27	important	important	ADJ
fsr-3191	70	28	reason	reason	NOUN
fsr-3191	70	29	for	for	ADP
fsr-3191	70	30	why	why	SCONJ
fsr-3191	70	31	small	small	ADJ
fsr-3191	70	32	plans	plan	NOUN
fsr-3191	70	33	tend	tend	VERB
fsr-3191	70	34	to	to	PART
fsr-3191	70	35	be	be	AUX
fsr-3191	70	36	more	more	ADV
fsr-3191	70	37	expensive	expensive	ADJ
fsr-3191	70	38	than	than	ADP
fsr-3191	70	39	large	large	ADJ
fsr-3191	70	40	plans	plan	NOUN
fsr-3191	70	41	.	.	PUNCT
fsr-3191	71	1	the	the	DET
fsr-3191	71	2	401(k	401(k	PROPN
fsr-3191	71	3	)	)	PUNCT
fsr-3191	71	4	average	average	ADJ
fsr-3191	71	5	fees	fee	NOUN
fsr-3191	71	6	have	have	AUX
fsr-3191	71	7	also	also	ADV
fsr-3191	71	8	fallen	fall	VERB
fsr-3191	71	9	over	over	ADP
fsr-3191	71	10	time	time	NOUN
fsr-3191	71	11	.	.	PUNCT
fsr-3191	72	1	in	in	ADP
fsr-3191	72	2	addition	addition	NOUN
fsr-3191	72	3	to	to	ADP
fsr-3191	72	4	fee	fee	NOUN
fsr-3191	72	5	compression	compression	NOUN
fsr-3191	72	6	for	for	ADP
fsr-3191	72	7	both	both	CCONJ
fsr-3191	72	8	investments	investment	NOUN
fsr-3191	72	9	and	and	CCONJ
fsr-3191	72	10	administrative	administrative	ADJ
fsr-3191	72	11	pricing	pricing	NOUN
fsr-3191	72	12	,	,	PUNCT
fsr-3191	72	13	an	an	DET
fsr-3191	72	14	additional	additional	ADJ
fsr-3191	72	15	explanation	explanation	NOUN
fsr-3191	72	16	for	for	ADP
fsr-3191	72	17	this	this	PRON
fsr-3191	72	18	is	be	AUX
fsr-3191	72	19	the	the	DET
fsr-3191	72	20	increase	increase	NOUN
fsr-3191	72	21	in	in	ADP
fsr-3191	72	22	the	the	DET
fsr-3191	72	23	proportion	proportion	NOUN
fsr-3191	72	24	of	of	ADP
fsr-3191	72	25	participants	participant	NOUN
fsr-3191	72	26	in	in	ADP
fsr-3191	72	27	low	low	ADJ
fsr-3191	72	28	cost	cost	NOUN
fsr-3191	72	29	,	,	PUNCT
fsr-3191	72	30	large	large	ADJ
fsr-3191	72	31	plans	plan	NOUN
fsr-3191	72	32	.	.	PUNCT
fsr-3191	73	1	according	accord	VERB
fsr-3191	73	2	to	to	ADP
fsr-3191	73	3	morningstar	morningstar	NOUN
fsr-3191	73	4	(	(	PUNCT
fsr-3191	73	5	2022	2022	NUM
fsr-3191	73	6	)	)	PUNCT
fsr-3191	73	7	,	,	PUNCT
fsr-3191	73	8	4	4	NUM
fsr-3191	73	9	o.	o.	PROPN
fsr-3191	73	10	s.	s.	PROPN
fsr-3191	73	11	mitchell	mitchell	PROPN
fsr-3191	73	12	et	et	PROPN
fsr-3191	73	13	al	al	PROPN
fsr-3191	73	14	.	.	PUNCT
fsr-3191	73	15	/	/	SYM
fsr-3191	73	16	financial	financial	ADJ
fsr-3191	73	17	services	service	NOUN
fsr-3191	73	18	review	review	VERB
fsr-3191	73	19	31	31	NUM
fsr-3191	73	20	(	(	PUNCT
fsr-3191	73	21	2023	2023	NUM
fsr-3191	73	22	)	)	PUNCT
fsr-3191	73	23	1–21	1–21	PROPN
fsr-3191	73	24	plans	plan	NOUN
fsr-3191	73	25	with	with	ADP
fsr-3191	73	26	more	more	ADJ
fsr-3191	73	27	than	than	ADP
fsr-3191	73	28	$	$	SYM
fsr-3191	73	29	500	500	NUM
fsr-3191	73	30	million	million	NUM
fsr-3191	73	31	in	in	ADP
fsr-3191	73	32	assets	asset	NOUN
fsr-3191	73	33	covered	cover	VERB
fsr-3191	73	34	34	34	NUM
fsr-3191	73	35	%	%	NOUN
fsr-3191	73	36	of	of	ADP
fsr-3191	73	37	participants	participant	NOUN
fsr-3191	73	38	in	in	ADP
fsr-3191	73	39	2011	2011	NUM
fsr-3191	73	40	,	,	PUNCT
fsr-3191	73	41	but	but	CCONJ
fsr-3191	73	42	by	by	ADP
fsr-3191	73	43	2019	2019	NUM
fsr-3191	73	44	,	,	PUNCT
fsr-3191	73	45	they	they	PRON
fsr-3191	73	46	had	have	AUX
fsr-3191	73	47	added	add	VERB
fsr-3191	73	48	almost	almost	ADV
fsr-3191	73	49	13.5	13.5	NUM
fsr-3191	73	50	million	million	NUM
fsr-3191	73	51	more	more	ADJ
fsr-3191	73	52	participants	participant	NOUN
fsr-3191	73	53	and	and	CCONJ
fsr-3191	73	54	covered	cover	VERB
fsr-3191	73	55	43	43	NUM
fsr-3191	73	56	%	%	NOUN
fsr-3191	73	57	of	of	ADP
fsr-3191	73	58	plan	plan	NOUN
fsr-3191	73	59	participants	participant	NOUN
fsr-3191	73	60	.	.	PUNCT
fsr-3191	74	1	around	around	ADV
fsr-3191	74	2	15	15	NUM
fsr-3191	74	3	%	%	NOUN
fsr-3191	74	4	of	of	ADP
fsr-3191	74	5	plans	plan	NOUN
fsr-3191	74	6	covered	cover	VERB
fsr-3191	74	7	90	90	NUM
fsr-3191	74	8	%	%	NOUN
fsr-3191	74	9	of	of	ADP
fsr-3191	74	10	participants	participant	NOUN
fsr-3191	74	11	.	.	PUNCT
fsr-3191	75	1	these	these	DET
fsr-3191	75	2	large	large	ADJ
fsr-3191	75	3	plans	plan	NOUN
fsr-3191	75	4	have	have	AUX
fsr-3191	75	5	also	also	ADV
fsr-3191	75	6	pushed	push	VERB
fsr-3191	75	7	for	for	ADP
fsr-3191	75	8	lower	low	ADJ
fsr-3191	75	9	fees	fee	NOUN
fsr-3191	75	10	by	by	ADP
fsr-3191	75	11	switching	switch	VERB
fsr-3191	75	12	to	to	ADP
fsr-3191	75	13	index	index	NOUN
fsr-3191	75	14	funds	fund	NOUN
fsr-3191	75	15	and	and	CCONJ
fsr-3191	75	16	investing	invest	VERB
fsr-3191	75	17	in	in	ADP
fsr-3191	75	18	collective	collective	ADJ
fsr-3191	75	19	investment	investment	NOUN
fsr-3191	75	20	trusts	trust	NOUN
fsr-3191	75	21	.	.	PUNCT
fsr-3191	76	1	3	3	X
fsr-3191	76	2	.	.	X
fsr-3191	77	1	how	how	SCONJ
fsr-3191	77	2	participant	participant	ADJ
fsr-3191	77	3	balances	balance	NOUN
fsr-3191	77	4	and	and	CCONJ
fsr-3191	77	5	financial	financial	ADJ
fsr-3191	77	6	literacy	literacy	NOUN
fsr-3191	77	7	influence	influence	NOUN
fsr-3191	77	8	rollover	rollover	NOUN
fsr-3191	77	9	decisions	decision	NOUN
fsr-3191	77	10	participant	participant	NOUN
fsr-3191	77	11	levels	level	NOUN
fsr-3191	77	12	of	of	ADP
fsr-3191	77	13	financial	financial	ADJ
fsr-3191	77	14	literacy	literacy	NOUN
fsr-3191	77	15	will	will	AUX
fsr-3191	77	16	also	also	ADV
fsr-3191	77	17	influence	influence	VERB
fsr-3191	77	18	the	the	DET
fsr-3191	77	19	choice	choice	NOUN
fsr-3191	77	20	between	between	ADP
fsr-3191	77	21	remaining	remain	VERB
fsr-3191	77	22	in	in	ADP
fsr-3191	77	23	an	an	DET
fsr-3191	77	24	employer	employer	NOUN
fsr-3191	77	25	plan	plan	NOUN
fsr-3191	77	26	or	or	CCONJ
fsr-3191	77	27	moving	move	VERB
fsr-3191	77	28	to	to	ADP
fsr-3191	77	29	an	an	DET
fsr-3191	77	30	ira	ira	PROPN
fsr-3191	77	31	.	.	PUNCT
fsr-3191	77	32	financially	financially	ADV
fsr-3191	77	33	literate	literate	ADJ
fsr-3191	77	34	participants	participant	NOUN
fsr-3191	77	35	who	who	PRON
fsr-3191	77	36	wish	wish	VERB
fsr-3191	77	37	to	to	PART
fsr-3191	77	38	manage	manage	VERB
fsr-3191	77	39	their	their	PRON
fsr-3191	77	40	own	own	ADJ
fsr-3191	77	41	assets	asset	NOUN
fsr-3191	77	42	will	will	AUX
fsr-3191	77	43	be	be	AUX
fsr-3191	77	44	able	able	ADJ
fsr-3191	77	45	to	to	PART
fsr-3191	77	46	use	use	VERB
fsr-3191	77	47	the	the	DET
fsr-3191	77	48	wide	wide	ADJ
fsr-3191	77	49	range	range	NOUN
fsr-3191	77	50	of	of	ADP
fsr-3191	77	51	competitively	competitively	ADV
fsr-3191	77	52	priced	price	VERB
fsr-3191	77	53	ira	ira	PROPN
fsr-3191	77	54	investment	investment	NOUN
fsr-3191	77	55	options	option	NOUN
fsr-3191	77	56	to	to	PART
fsr-3191	77	57	construct	construct	VERB
fsr-3191	77	58	very	very	ADV
fsr-3191	77	59	low	low	ADJ
fsr-3191	77	60	-	-	PUNCT
fsr-3191	77	61	cost	cost	NOUN
fsr-3191	77	62	portfolios	portfolio	NOUN
fsr-3191	77	63	for	for	ADP
fsr-3191	77	64	themselves	themselves	PRON
fsr-3191	77	65	.	.	PUNCT
fsr-3191	78	1	nevertheless	nevertheless	ADV
fsr-3191	78	2	,	,	PUNCT
fsr-3191	78	3	the	the	DET
fsr-3191	78	4	less	less	ADV
fsr-3191	78	5	financially	financially	ADV
fsr-3191	78	6	literate	literate	ADJ
fsr-3191	78	7	are	be	AUX
fsr-3191	78	8	more	more	ADV
fsr-3191	78	9	likely	likely	ADJ
fsr-3191	78	10	to	to	PART
fsr-3191	78	11	need	need	VERB
fsr-3191	78	12	ira	ira	PROPN
fsr-3191	78	13	advice	advice	NOUN
fsr-3191	78	14	,	,	PUNCT
fsr-3191	78	15	as	as	SCONJ
fsr-3191	78	16	they	they	PRON
fsr-3191	78	17	will	will	AUX
fsr-3191	78	18	no	no	ADV
fsr-3191	78	19	longer	long	ADV
fsr-3191	78	20	have	have	VERB
fsr-3191	78	21	a	a	DET
fsr-3191	78	22	default	default	NOUN
fsr-3191	78	23	option	option	NOUN
fsr-3191	78	24	selected	select	VERB
fsr-3191	78	25	by	by	ADP
fsr-3191	78	26	a	a	DET
fsr-3191	78	27	plan	plan	NOUN
fsr-3191	78	28	sponsor	sponsor	NOUN
fsr-3191	78	29	on	on	ADP
fsr-3191	78	30	which	which	PRON
fsr-3191	78	31	to	to	PART
fsr-3191	78	32	fall	fall	VERB
fsr-3191	78	33	back	back	ADV
fsr-3191	78	34	.	.	PUNCT
fsr-3191	79	1	for	for	ADP
fsr-3191	79	2	participants	participant	NOUN
fsr-3191	79	3	who	who	PRON
fsr-3191	79	4	need	need	VERB
fsr-3191	79	5	advice	advice	NOUN
fsr-3191	79	6	,	,	PUNCT
fsr-3191	79	7	their	their	PRON
fsr-3191	79	8	level	level	NOUN
fsr-3191	79	9	of	of	ADP
fsr-3191	79	10	accumulated	accumulate	VERB
fsr-3191	79	11	assets	asset	NOUN
fsr-3191	79	12	will	will	AUX
fsr-3191	79	13	shape	shape	VERB
fsr-3191	79	14	the	the	DET
fsr-3191	79	15	type	type	NOUN
fsr-3191	79	16	of	of	ADP
fsr-3191	79	17	advice	advice	NOUN
fsr-3191	79	18	they	they	PRON
fsr-3191	79	19	can	can	AUX
fsr-3191	79	20	access	access	VERB
fsr-3191	79	21	.	.	PUNCT
fsr-3191	80	1	table	table	NOUN
fsr-3191	80	2	1	1	NUM
fsr-3191	80	3	provides	provide	VERB
fsr-3191	80	4	background	background	NOUN
fsr-3191	80	5	information	information	NOUN
fsr-3191	80	6	on	on	ADP
fsr-3191	80	7	the	the	DET
fsr-3191	80	8	distribution	distribution	NOUN
fsr-3191	80	9	of	of	ADP
fsr-3191	80	10	401(k	401(k	NOUN
fsr-3191	80	11	)	)	PUNCT
fsr-3191	80	12	account	account	NOUN
fsr-3191	80	13	balances	balance	NOUN
fsr-3191	80	14	for	for	ADP
fsr-3191	80	15	people	people	NOUN
fsr-3191	80	16	in	in	ADP
fsr-3191	80	17	their	their	PRON
fsr-3191	80	18	60s	60	NOUN
fsr-3191	80	19	as	as	SCONJ
fsr-3191	80	20	they	they	PRON
fsr-3191	80	21	move	move	VERB
fsr-3191	80	22	into	into	ADP
fsr-3191	80	23	retirement	retirement	NOUN
fsr-3191	80	24	.	.	PUNCT
fsr-3191	81	1	the	the	DET
fsr-3191	81	2	median	median	PROPN
fsr-3191	81	3	account	account	NOUN
fsr-3191	81	4	balance	balance	NOUN
fsr-3191	81	5	was	be	AUX
fsr-3191	81	6	$	$	SYM
fsr-3191	81	7	90,385	90,385	NUM
fsr-3191	81	8	in	in	ADP
fsr-3191	81	9	2018	2018	NUM
fsr-3191	81	10	for	for	ADP
fsr-3191	81	11	people	people	NOUN
fsr-3191	81	12	with	with	ADP
fsr-3191	81	13	20–30	20–30	NUM
fsr-3191	81	14	years	year	NOUN
fsr-3191	81	15	tenure	tenure	NOUN
fsr-3191	81	16	,	,	PUNCT
fsr-3191	81	17	making	make	VERB
fsr-3191	81	18	it	it	PRON
fsr-3191	81	19	a	a	DET
fsr-3191	81	20	reasonable	reasonable	ADJ
fsr-3191	81	21	approximation	approximation	NOUN
fsr-3191	81	22	of	of	ADP
fsr-3191	81	23	this	this	DET
fsr-3191	81	24	group	group	NOUN
fsr-3191	81	25	’s	’s	PART
fsr-3191	81	26	401(k	401(k	PROPN
fsr-3191	81	27	)	)	PUNCT
fsr-3191	81	28	accruals	accrual	NOUN
fsr-3191	81	29	.	.	PUNCT
fsr-3191	82	1	at	at	ADP
fsr-3191	82	2	the	the	DET
fsr-3191	82	3	25th	25th	ADJ
fsr-3191	82	4	percentile	percentile	NOUN
fsr-3191	82	5	,	,	PUNCT
fsr-3191	82	6	the	the	DET
fsr-3191	82	7	account	account	NOUN
fsr-3191	82	8	balance	balance	NOUN
fsr-3191	82	9	was	be	AUX
fsr-3191	82	10	$	$	SYM
fsr-3191	82	11	28,398	28,398	NUM
fsr-3191	82	12	,	,	PUNCT
fsr-3191	82	13	and	and	CCONJ
fsr-3191	82	14	at	at	ADP
fsr-3191	82	15	the	the	DET
fsr-3191	82	16	90th	90th	ADJ
fsr-3191	82	17	percentile	percentile	NOUN
fsr-3191	82	18	,	,	PUNCT
fsr-3191	82	19	it	it	PRON
fsr-3191	82	20	was	be	AUX
fsr-3191	82	21	$	$	SYM
fsr-3191	82	22	557,589	557,589	NUM
fsr-3191	82	23	.	.	PUNCT
fsr-3191	83	1	we	we	PRON
fsr-3191	83	2	use	use	VERB
fsr-3191	83	3	this	this	DET
fsr-3191	83	4	information	information	NOUN
fsr-3191	83	5	to	to	PART
fsr-3191	83	6	evaluate	evaluate	VERB
fsr-3191	83	7	the	the	DET
fsr-3191	83	8	availability	availability	NOUN
fsr-3191	83	9	of	of	ADP
fsr-3191	83	10	advice	advice	NOUN
fsr-3191	83	11	for	for	ADP
fsr-3191	83	12	individuals	individual	NOUN
fsr-3191	83	13	having	have	VERB
fsr-3191	83	14	high	high	ADJ
fsr-3191	83	15	(	(	PUNCT
fsr-3191	83	16	$	$	SYM
fsr-3191	83	17	550,000	550,000	NUM
fsr-3191	83	18	)	)	PUNCT
fsr-3191	83	19	,	,	PUNCT
fsr-3191	83	20	median	median	NOUN
fsr-3191	83	21	(	(	PUNCT
fsr-3191	83	22	$	$	SYM
fsr-3191	83	23	100,000	100,000	NUM
fsr-3191	83	24	)	)	PUNCT
fsr-3191	83	25	,	,	PUNCT
fsr-3191	83	26	and	and	CCONJ
fsr-3191	83	27	low	low	ADJ
fsr-3191	83	28	(	(	PUNCT
fsr-3191	83	29	$	$	SYM
fsr-3191	83	30	30,000	30,000	NUM
fsr-3191	83	31	)	)	PUNCT
fsr-3191	83	32	plan	plan	NOUN
fsr-3191	83	33	balances	balance	NOUN
fsr-3191	83	34	at	at	ADP
fsr-3191	83	35	retirement	retirement	NOUN
fsr-3191	83	36	.	.	PUNCT
fsr-3191	84	1	interestingly	interestingly	ADV
fsr-3191	84	2	,	,	PUNCT
fsr-3191	84	3	the	the	DET
fsr-3191	84	4	evidence	evidence	NOUN
fsr-3191	84	5	shows	show	VERB
fsr-3191	84	6	that	that	SCONJ
fsr-3191	84	7	relatively	relatively	ADV
fsr-3191	84	8	few	few	ADJ
fsr-3191	84	9	—	—	PUNCT
fsr-3191	84	10	only	only	ADV
fsr-3191	84	11	about	about	ADV
fsr-3191	84	12	one	one	NUM
fsr-3191	84	13	-	-	PUNCT
fsr-3191	84	14	fifth	fifth	NOUN
fsr-3191	84	15	of	of	ADP
fsr-3191	84	16	low	low	ADJ
fsr-3191	84	17	-	-	PUNCT
fsr-3191	84	18	balance	balance	NOUN
fsr-3191	84	19	retirees	retiree	NOUN
fsr-3191	84	20	—	—	PUNCT
fsr-3191	84	21	knew	know	VERB
fsr-3191	84	22	that	that	SCONJ
fsr-3191	84	23	they	they	PRON
fsr-3191	84	24	pay	pay	VERB
fsr-3191	84	25	investment	investment	NOUN
fsr-3191	84	26	fees	fee	NOUN
fsr-3191	84	27	on	on	ADP
fsr-3191	84	28	their	their	PRON
fsr-3191	84	29	accrued	accrue	VERB
fsr-3191	84	30	assets	asset	NOUN
fsr-3191	84	31	,	,	PUNCT
fsr-3191	84	32	versus	versus	ADP
fsr-3191	84	33	53	53	NUM
fsr-3191	84	34	%	%	NOUN
fsr-3191	84	35	of	of	ADP
fsr-3191	84	36	retirees	retiree	NOUN
fsr-3191	84	37	having	have	VERB
fsr-3191	84	38	balances	balance	NOUN
fsr-3191	84	39	over	over	ADP
fsr-3191	84	40	$	$	SYM
fsr-3191	84	41	100,000	100,000	NUM
fsr-3191	84	42	(	(	PUNCT
fsr-3191	84	43	general	general	ADJ
fsr-3191	84	44	accountability	accountability	NOUN
fsr-3191	84	45	office	office	NOUN
fsr-3191	84	46	,	,	PUNCT
fsr-3191	84	47	2021	2021	NUM
fsr-3191	84	48	)	)	PUNCT
fsr-3191	84	49	.	.	PUNCT
fsr-3191	85	1	we	we	PRON
fsr-3191	85	2	hypothesize	hypothesize	VERB
fsr-3191	85	3	that	that	SCONJ
fsr-3191	85	4	the	the	PRON
fsr-3191	85	5	lower	low	ADJ
fsr-3191	85	6	the	the	DET
fsr-3191	85	7	accumulated	accumulate	VERB
fsr-3191	85	8	balance	balance	NOUN
fsr-3191	85	9	,	,	PUNCT
fsr-3191	85	10	the	the	PRON
fsr-3191	85	11	more	more	ADV
fsr-3191	85	12	likely	likely	ADJ
fsr-3191	85	13	it	it	PRON
fsr-3191	85	14	is	be	AUX
fsr-3191	85	15	that	that	SCONJ
fsr-3191	85	16	the	the	DET
fsr-3191	85	17	individual	individual	NOUN
fsr-3191	85	18	has	have	VERB
fsr-3191	85	19	low	low	ADJ
fsr-3191	85	20	or	or	CCONJ
fsr-3191	85	21	moderate	moderate	ADJ
fsr-3191	85	22	financial	financial	ADJ
fsr-3191	85	23	literacy	literacy	NOUN
fsr-3191	85	24	and	and	CCONJ
fsr-3191	85	25	will	will	AUX
fsr-3191	85	26	need	need	VERB
fsr-3191	85	27	advice	advice	NOUN
fsr-3191	85	28	to	to	PART
fsr-3191	85	29	construct	construct	VERB
fsr-3191	85	30	a	a	DET
fsr-3191	85	31	low	low	ADJ
fsr-3191	85	32	-	-	PUNCT
fsr-3191	85	33	cost	cost	NOUN
fsr-3191	85	34	retirement	retirement	NOUN
fsr-3191	85	35	portfolio	portfolio	NOUN
fsr-3191	85	36	.	.	PUNCT
fsr-3191	86	1	in	in	ADP
fsr-3191	86	2	table	table	NOUN
fsr-3191	86	3	2	2	NUM
fsr-3191	86	4	,	,	PUNCT
fsr-3191	86	5	we	we	PRON
fsr-3191	86	6	evaluate	evaluate	VERB
fsr-3191	86	7	the	the	DET
fsr-3191	86	8	cost	cost	NOUN
fsr-3191	86	9	differential	differential	NOUN
fsr-3191	86	10	to	to	ADP
fsr-3191	86	11	participants	participant	NOUN
fsr-3191	86	12	in	in	ADP
fsr-3191	86	13	employer	employer	NOUN
fsr-3191	86	14	plans	plan	NOUN
fsr-3191	86	15	of	of	ADP
fsr-3191	86	16	different	different	ADJ
fsr-3191	86	17	sizes	size	NOUN
fsr-3191	86	18	,	,	PUNCT
fsr-3191	86	19	comparing	compare	VERB
fsr-3191	86	20	remaining	remain	VERB
fsr-3191	86	21	in	in	ADP
fsr-3191	86	22	their	their	PRON
fsr-3191	86	23	employer	employer	NOUN
fsr-3191	86	24	plans	plan	NOUN
fsr-3191	86	25	versus	versus	ADP
fsr-3191	86	26	rolling	roll	VERB
fsr-3191	86	27	into	into	ADP
fsr-3191	86	28	iras	ira	NOUN
fsr-3191	86	29	.	.	PUNCT
fsr-3191	87	1	we	we	PRON
fsr-3191	87	2	assume	assume	VERB
fsr-3191	87	3	that	that	SCONJ
fsr-3191	87	4	the	the	DET
fsr-3191	87	5	cost	cost	NOUN
fsr-3191	87	6	of	of	ADP
fsr-3191	87	7	the	the	DET
fsr-3191	87	8	401(k	401(k	PROPN
fsr-3191	87	9	)	)	PUNCT
fsr-3191	87	10	plan	plan	NOUN
fsr-3191	87	11	includes	include	VERB
fsr-3191	87	12	investment	investment	NOUN
fsr-3191	87	13	and	and	CCONJ
fsr-3191	87	14	administrative	administrative	ADJ
fsr-3191	87	15	fees	fee	NOUN
fsr-3191	87	16	,	,	PUNCT
fsr-3191	87	17	whereas	whereas	SCONJ
fsr-3191	87	18	the	the	DET
fsr-3191	87	19	cost	cost	NOUN
fsr-3191	87	20	of	of	ADP
fsr-3191	87	21	the	the	DET
fsr-3191	87	22	ira	ira	PROPN
fsr-3191	87	23	contains	contain	VERB
fsr-3191	87	24	only	only	ADV
fsr-3191	87	25	the	the	DET
fsr-3191	87	26	cost	cost	NOUN
fsr-3191	87	27	of	of	ADP
fsr-3191	87	28	the	the	DET
fsr-3191	87	29	investments	investment	NOUN
fsr-3191	87	30	.	.	PUNCT
fsr-3191	88	1	these	these	DET
fsr-3191	88	2	calculations	calculation	NOUN
fsr-3191	88	3	do	do	AUX
fsr-3191	88	4	not	not	PART
fsr-3191	88	5	include	include	VERB
fsr-3191	88	6	the	the	DET
fsr-3191	88	7	cost	cost	NOUN
fsr-3191	88	8	of	of	ADP
fsr-3191	88	9	financial	financial	ADJ
fsr-3191	88	10	advice	advice	NOUN
fsr-3191	88	11	.	.	PUNCT
fsr-3191	89	1	when	when	SCONJ
fsr-3191	89	2	participants	participant	NOUN
fsr-3191	89	3	are	be	AUX
fsr-3191	89	4	unsophisticated	unsophisticated	ADJ
fsr-3191	89	5	,	,	PUNCT
fsr-3191	89	6	we	we	PRON
fsr-3191	89	7	assume	assume	VERB
fsr-3191	89	8	that	that	SCONJ
fsr-3191	89	9	they	they	PRON
fsr-3191	89	10	invest	invest	VERB
fsr-3191	89	11	in	in	ADP
fsr-3191	89	12	“	"	PUNCT
fsr-3191	89	13	average	average	ADJ
fsr-3191	89	14	cost	cost	NOUN
fsr-3191	89	15	”	"	PUNCT
fsr-3191	89	16	ira	ira	PROPN
fsr-3191	89	17	mutual	mutual	ADJ
fsr-3191	89	18	fund	fund	NOUN
fsr-3191	89	19	portfolios	portfolio	NOUN
fsr-3191	89	20	;	;	PUNCT
fsr-3191	89	21	conversely	conversely	ADV
fsr-3191	89	22	,	,	PUNCT
fsr-3191	89	23	for	for	ADP
fsr-3191	89	24	financially	financially	ADV
fsr-3191	89	25	sophisticated	sophisticated	ADJ
fsr-3191	89	26	participants	participant	NOUN
fsr-3191	89	27	,	,	PUNCT
fsr-3191	89	28	we	we	PRON
fsr-3191	89	29	assume	assume	VERB
fsr-3191	89	30	that	that	SCONJ
fsr-3191	89	31	they	they	PRON
fsr-3191	89	32	invest	invest	VERB
fsr-3191	89	33	in	in	ADP
fsr-3191	89	34	low	low	ADJ
fsr-3191	89	35	-	-	PUNCT
fsr-3191	89	36	cost	cost	NOUN
fsr-3191	89	37	passive	passive	ADJ
fsr-3191	89	38	target	target	NOUN
fsr-3191	89	39	date	date	NOUN
fsr-3191	89	40	funds	fund	NOUN
fsr-3191	89	41	.	.	PUNCT
fsr-3191	90	1	this	this	PRON
fsr-3191	90	2	may	may	AUX
fsr-3191	90	3	understate	understate	VERB
fsr-3191	90	4	the	the	DET
fsr-3191	90	5	cost	cost	NOUN
fsr-3191	90	6	of	of	ADP
fsr-3191	90	7	the	the	DET
fsr-3191	90	8	ira	ira	PROPN
fsr-3191	90	9	option	option	NOUN
fsr-3191	90	10	to	to	ADP
fsr-3191	90	11	unsophisticated	unsophisticated	ADJ
fsr-3191	90	12	participants	participant	NOUN
fsr-3191	90	13	,	,	PUNCT
fsr-3191	90	14	because	because	SCONJ
fsr-3191	90	15	,	,	PUNCT
fsr-3191	90	16	in	in	ADP
fsr-3191	90	17	addition	addition	NOUN
fsr-3191	90	18	to	to	ADP
fsr-3191	90	19	table	table	NOUN
fsr-3191	90	20	1	1	NUM
fsr-3191	90	21	percentile	percentile	ADJ
fsr-3191	90	22	distribution	distribution	NOUN
fsr-3191	90	23	of	of	ADP
fsr-3191	90	24	401(k	401(k	NOUN
fsr-3191	90	25	)	)	PUNCT
fsr-3191	90	26	account	account	NOUN
fsr-3191	90	27	balances	balance	NOUN
fsr-3191	90	28	for	for	ADP
fsr-3191	90	29	people	people	NOUN
fsr-3191	90	30	in	in	ADP
fsr-3191	90	31	their	their	PRON
fsr-3191	90	32	60s	60	NOUN
fsr-3191	90	33	by	by	ADP
fsr-3191	90	34	tenure	tenure	NOUN
fsr-3191	90	35	in	in	ADP
fsr-3191	90	36	the	the	DET
fsr-3191	90	37	plan	plan	NOUN
fsr-3191	90	38	,	,	PUNCT
fsr-3191	90	39	2018	2018	NUM
fsr-3191	90	40	job	job	NOUN
fsr-3191	90	41	tenure	tenure	NOUN
fsr-3191	90	42	(	(	PUNCT
fsr-3191	90	43	years	year	NOUN
fsr-3191	90	44	)	)	PUNCT
fsr-3191	90	45	10th	10th	ADJ
fsr-3191	90	46	percentile	percentile	PROPN
fsr-3191	90	47	25th	25th	PROPN
fsr-3191	90	48	percentile	percentile	ADJ
fsr-3191	90	49	50th	50th	ADJ
fsr-3191	90	50	percentile	percentile	ADJ
fsr-3191	90	51	75th	75th	ADJ
fsr-3191	90	52	percentile	percentile	PROPN
fsr-3191	90	53	90th	90th	NOUN
fsr-3191	90	54	percentile	percentile	VERB
fsr-3191	90	55	all	all	PRON
fsr-3191	90	56	7,039	7,039	NUM
fsr-3191	90	57	28,398	28,398	NUM
fsr-3191	90	58	90,385	90,385	NUM
fsr-3191	90	59	257,752	257,752	NUM
fsr-3191	90	60	557,589	557,589	NUM
fsr-3191	90	61	5–10	5–10	NOUN
fsr-3191	90	62	7,144	7,144	NUM
fsr-3191	90	63	19,983	19,983	NUM
fsr-3191	90	64	51,654	51,654	NUM
fsr-3191	90	65	140,907	140,907	NUM
fsr-3191	90	66	307,093	307,093	NUM
fsr-3191	90	67	10–20	10–20	NUM
fsr-3191	90	68	4,138	4,138	NUM
fsr-3191	90	69	19,229	19,229	NUM
fsr-3191	90	70	54,683	54,683	NUM
fsr-3191	90	71	152,088	152,088	NUM
fsr-3191	90	72	355,609	355,609	NUM
fsr-3191	90	73	20–30	20–30	NUM
fsr-3191	90	74	8,286	8,286	NUM
fsr-3191	90	75	34,638	34,638	NUM
fsr-3191	90	76	106,617	106,617	NUM
fsr-3191	90	77	283,509	283,509	NUM
fsr-3191	90	78	590,145	590,145	NUM
fsr-3191	90	79	>	>	SYM
fsr-3191	90	80	30	30	NUM
fsr-3191	90	81	15,892	15,892	NUM
fsr-3191	90	82	64,987	64,987	NUM
fsr-3191	90	83	203,793	203,793	NUM
fsr-3191	90	84	487,292	487,292	NUM
fsr-3191	90	85	911,783	911,783	NUM
fsr-3191	90	86	source	source	NOUN
fsr-3191	90	87	:	:	PUNCT
fsr-3191	90	88	ebri	ebri	NOUN
fsr-3191	90	89	database	database	NOUN
fsr-3191	90	90	;	;	PUNCT
fsr-3191	90	91	we	we	PRON
fsr-3191	90	92	thank	thank	VERB
fsr-3191	90	93	jack	jack	PROPN
fsr-3191	90	94	van	van	PROPN
fsr-3191	90	95	derhei	derhei	PROPN
fsr-3191	90	96	for	for	ADP
fsr-3191	90	97	providing	provide	VERB
fsr-3191	90	98	these	these	DET
fsr-3191	90	99	calculations	calculation	NOUN
fsr-3191	90	100	.	.	PUNCT
fsr-3191	91	1	o.	o.	PROPN
fsr-3191	91	2	s.	s.	PROPN
fsr-3191	91	3	mitchell	mitchell	PROPN
fsr-3191	91	4	et	et	PROPN
fsr-3191	91	5	al	al	PROPN
fsr-3191	91	6	.	.	PUNCT
fsr-3191	91	7	/	/	SYM
fsr-3191	91	8	financial	financial	ADJ
fsr-3191	91	9	services	service	NOUN
fsr-3191	91	10	review	review	VERB
fsr-3191	91	11	31	31	NUM
fsr-3191	91	12	(	(	PUNCT
fsr-3191	91	13	2023	2023	NUM
fsr-3191	91	14	)	)	PUNCT
fsr-3191	91	15	1–21	1–21	PROPN
fsr-3191	91	16	5	5	NUM
fsr-3191	91	17	the	the	DET
fsr-3191	91	18	cost	cost	NOUN
fsr-3191	91	19	of	of	ADP
fsr-3191	91	20	the	the	DET
fsr-3191	91	21	investment	investment	NOUN
fsr-3191	91	22	funds	fund	NOUN
fsr-3191	91	23	,	,	PUNCT
fsr-3191	91	24	they	they	PRON
fsr-3191	91	25	may	may	AUX
fsr-3191	91	26	also	also	ADV
fsr-3191	91	27	need	need	VERB
fsr-3191	91	28	to	to	PART
fsr-3191	91	29	pay	pay	VERB
fsr-3191	91	30	separately	separately	ADV
fsr-3191	91	31	for	for	ADP
fsr-3191	91	32	advice	advice	NOUN
fsr-3191	91	33	to	to	PART
fsr-3191	91	34	build	build	VERB
fsr-3191	91	35	their	their	PRON
fsr-3191	91	36	investment	investment	NOUN
fsr-3191	91	37	portfolios	portfolio	NOUN
fsr-3191	91	38	.	.	PUNCT
fsr-3191	92	1	results	result	NOUN
fsr-3191	92	2	show	show	VERB
fsr-3191	92	3	that	that	SCONJ
fsr-3191	92	4	some	some	DET
fsr-3191	92	5	participants	participant	NOUN
fsr-3191	92	6	in	in	ADP
fsr-3191	92	7	small	small	ADJ
fsr-3191	92	8	,	,	PUNCT
fsr-3191	92	9	high	high	ADJ
fsr-3191	92	10	-	-	PUNCT
fsr-3191	92	11	cost	cost	NOUN
fsr-3191	92	12	401(k	401(k	NOUN
fsr-3191	92	13	)	)	PUNCT
fsr-3191	92	14	plans	plan	NOUN
fsr-3191	92	15	might	might	AUX
fsr-3191	92	16	find	find	VERB
fsr-3191	92	17	less	less	ADV
fsr-3191	92	18	costly	costly	ADJ
fsr-3191	92	19	options	option	NOUN
fsr-3191	92	20	,	,	PUNCT
fsr-3191	92	21	even	even	ADV
fsr-3191	92	22	if	if	SCONJ
fsr-3191	92	23	they	they	PRON
fsr-3191	92	24	are	be	AUX
fsr-3191	92	25	not	not	PART
fsr-3191	92	26	financially	financially	ADV
fsr-3191	92	27	sophisticated	sophisticated	ADJ
fsr-3191	92	28	,	,	PUNCT
fsr-3191	92	29	by	by	ADP
fsr-3191	92	30	rolling	roll	VERB
fsr-3191	92	31	into	into	ADP
fsr-3191	92	32	iras	ira	NOUN
fsr-3191	92	33	.	.	PUNCT
fsr-3191	93	1	in	in	ADP
fsr-3191	93	2	most	most	ADJ
fsr-3191	93	3	cases	case	NOUN
fsr-3191	93	4	,	,	PUNCT
fsr-3191	93	5	however	however	ADV
fsr-3191	93	6	,	,	PUNCT
fsr-3191	93	7	financially	financially	ADV
fsr-3191	93	8	unsophisticated	unsophisticated	ADJ
fsr-3191	93	9	participants	participant	NOUN
fsr-3191	93	10	are	be	AUX
fsr-3191	93	11	likely	likely	ADJ
fsr-3191	93	12	to	to	PART
fsr-3191	93	13	encounter	encounter	VERB
fsr-3191	93	14	lower	low	ADJ
fsr-3191	93	15	costs	cost	NOUN
fsr-3191	93	16	by	by	ADP
fsr-3191	93	17	remaining	remain	VERB
fsr-3191	93	18	in	in	ADP
fsr-3191	93	19	their	their	PRON
fsr-3191	93	20	employer	employer	NOUN
fsr-3191	93	21	plans	plan	NOUN
fsr-3191	93	22	rather	rather	ADV
fsr-3191	93	23	than	than	ADP
fsr-3191	93	24	withdrawing	withdraw	VERB
fsr-3191	93	25	their	their	PRON
fsr-3191	93	26	assets	asset	NOUN
fsr-3191	93	27	and	and	CCONJ
fsr-3191	93	28	moving	move	VERB
fsr-3191	93	29	them	they	PRON
fsr-3191	93	30	to	to	ADP
fsr-3191	93	31	iras	ira	NOUN
fsr-3191	93	32	.	.	PUNCT
fsr-3191	94	1	participants	participant	NOUN
fsr-3191	94	2	with	with	ADP
fsr-3191	94	3	low	low	ADJ
fsr-3191	94	4	account	account	NOUN
fsr-3191	94	5	balances	balance	NOUN
fsr-3191	94	6	are	be	AUX
fsr-3191	94	7	likely	likely	ADJ
fsr-3191	94	8	to	to	PART
fsr-3191	94	9	do	do	VERB
fsr-3191	94	10	better	well	ADV
fsr-3191	94	11	by	by	ADP
fsr-3191	94	12	leaving	leave	VERB
fsr-3191	94	13	their	their	PRON
fsr-3191	94	14	money	money	NOUN
fsr-3191	94	15	in	in	ADP
fsr-3191	94	16	their	their	PRON
fsr-3191	94	17	employer	employer	NOUN
fsr-3191	94	18	plans	plan	NOUN
fsr-3191	94	19	instead	instead	ADV
fsr-3191	94	20	of	of	ADP
fsr-3191	94	21	rolling	roll	VERB
fsr-3191	94	22	over	over	ADP
fsr-3191	94	23	to	to	ADP
fsr-3191	94	24	iras	ira	NOUN
fsr-3191	94	25	.	.	PUNCT
fsr-3191	95	1	as	as	SCONJ
fsr-3191	95	2	this	this	DET
fsr-3191	95	3	group	group	NOUN
fsr-3191	95	4	is	be	AUX
fsr-3191	95	5	likely	likely	ADJ
fsr-3191	95	6	to	to	PART
fsr-3191	95	7	be	be	AUX
fsr-3191	95	8	the	the	DET
fsr-3191	95	9	least	least	ADJ
fsr-3191	95	10	financially	financially	ADV
fsr-3191	95	11	literate	literate	ADJ
fsr-3191	95	12	,	,	PUNCT
fsr-3191	95	13	it	it	PRON
fsr-3191	95	14	is	be	AUX
fsr-3191	95	15	more	more	ADV
fsr-3191	95	16	likely	likely	ADJ
fsr-3191	95	17	to	to	PART
fsr-3191	95	18	need	need	VERB
fsr-3191	95	19	financial	financial	ADJ
fsr-3191	95	20	advice	advice	NOUN
fsr-3191	95	21	.	.	PUNCT
fsr-3191	96	1	nevertheless	nevertheless	ADV
fsr-3191	96	2	,	,	PUNCT
fsr-3191	96	3	due	due	ADP
fsr-3191	96	4	to	to	ADP
fsr-3191	96	5	low	low	ADJ
fsr-3191	96	6	balances	balance	NOUN
fsr-3191	96	7	,	,	PUNCT
fsr-3191	96	8	these	these	DET
fsr-3191	96	9	participants	participant	NOUN
fsr-3191	96	10	will	will	AUX
fsr-3191	96	11	have	have	VERB
fsr-3191	96	12	the	the	DET
fsr-3191	96	13	least	least	ADJ
fsr-3191	96	14	access	access	NOUN
fsr-3191	96	15	to	to	ADP
fsr-3191	96	16	affordable	affordable	ADJ
fsr-3191	96	17	advice	advice	NOUN
fsr-3191	96	18	outside	outside	ADP
fsr-3191	96	19	employer	employer	NOUN
fsr-3191	96	20	plans	plan	NOUN
fsr-3191	96	21	.	.	PUNCT
fsr-3191	97	1	while	while	SCONJ
fsr-3191	97	2	robo	robo	NOUN
fsr-3191	97	3	-	-	PUNCT
fsr-3191	97	4	advice	advice	NOUN
fsr-3191	97	5	is	be	AUX
fsr-3191	97	6	available	available	ADJ
fsr-3191	97	7	to	to	ADP
fsr-3191	97	8	participants	participant	NOUN
fsr-3191	97	9	with	with	ADP
fsr-3191	97	10	very	very	ADV
fsr-3191	97	11	low	low	ADJ
fsr-3191	97	12	balances	balance	NOUN
fsr-3191	97	13	,	,	PUNCT
fsr-3191	97	14	such	such	ADJ
fsr-3191	97	15	participants	participant	NOUN
fsr-3191	97	16	may	may	AUX
fsr-3191	97	17	be	be	AUX
fsr-3191	97	18	unaware	unaware	ADJ
fsr-3191	97	19	of	of	ADP
fsr-3191	97	20	robo	robo	NOUN
fsr-3191	97	21	-	-	PUNCT
fsr-3191	97	22	options	option	NOUN
fsr-3191	97	23	or	or	CCONJ
fsr-3191	97	24	lack	lack	VERB
fsr-3191	97	25	the	the	DET
fsr-3191	97	26	confidence	confidence	NOUN
fsr-3191	97	27	to	to	PART
fsr-3191	97	28	engage	engage	VERB
fsr-3191	97	29	with	with	ADP
fsr-3191	97	30	them	they	PRON
fsr-3191	97	31	.	.	PUNCT
fsr-3191	98	1	for	for	ADP
fsr-3191	98	2	financially	financially	ADV
fsr-3191	98	3	sophisticated	sophisticated	ADJ
fsr-3191	98	4	participants	participant	NOUN
fsr-3191	98	5	,	,	PUNCT
fsr-3191	98	6	or	or	CCONJ
fsr-3191	98	7	those	those	PRON
fsr-3191	98	8	with	with	ADP
fsr-3191	98	9	larger	large	ADJ
fsr-3191	98	10	balances	balance	NOUN
fsr-3191	98	11	,	,	PUNCT
fsr-3191	98	12	the	the	DET
fsr-3191	98	13	situation	situation	NOUN
fsr-3191	98	14	is	be	AUX
fsr-3191	98	15	less	less	ADV
fsr-3191	98	16	clearcut	clearcut	ADJ
fsr-3191	98	17	.	.	PUNCT
fsr-3191	99	1	participants	participant	NOUN
fsr-3191	99	2	with	with	ADP
fsr-3191	99	3	large	large	ADJ
fsr-3191	99	4	balances	balance	NOUN
fsr-3191	99	5	will	will	AUX
fsr-3191	99	6	be	be	AUX
fsr-3191	99	7	able	able	ADJ
fsr-3191	99	8	to	to	PART
fsr-3191	99	9	choose	choose	VERB
fsr-3191	99	10	whatever	whatever	DET
fsr-3191	99	11	form	form	NOUN
fsr-3191	99	12	of	of	ADP
fsr-3191	99	13	advice	advice	NOUN
fsr-3191	99	14	they	they	PRON
fsr-3191	99	15	find	find	VERB
fsr-3191	99	16	most	most	ADV
fsr-3191	99	17	helpful	helpful	ADJ
fsr-3191	99	18	.	.	PUNCT
fsr-3191	100	1	an	an	DET
fsr-3191	100	2	attractive	attractive	ADJ
fsr-3191	100	3	option	option	NOUN
fsr-3191	100	4	for	for	ADP
fsr-3191	100	5	large	large	ADJ
fsr-3191	100	6	balance	balance	NOUN
fsr-3191	100	7	participants	participant	NOUN
fsr-3191	100	8	who	who	PRON
fsr-3191	100	9	are	be	AUX
fsr-3191	100	10	in	in	ADP
fsr-3191	100	11	competitively	competitively	ADV
fsr-3191	100	12	priced	price	VERB
fsr-3191	100	13	employer	employer	NOUN
fsr-3191	100	14	plans	plan	NOUN
fsr-3191	100	15	is	be	AUX
fsr-3191	100	16	to	to	PART
fsr-3191	100	17	leave	leave	VERB
fsr-3191	100	18	assets	asset	NOUN
fsr-3191	100	19	that	that	PRON
fsr-3191	100	20	they	they	PRON
fsr-3191	100	21	do	do	AUX
fsr-3191	100	22	not	not	PART
fsr-3191	100	23	need	need	VERB
fsr-3191	100	24	to	to	PART
fsr-3191	100	25	finance	finance	VERB
fsr-3191	100	26	current	current	ADJ
fsr-3191	100	27	retirement	retirement	NOUN
fsr-3191	100	28	spending	spending	NOUN
fsr-3191	100	29	in	in	ADP
fsr-3191	100	30	their	their	PRON
fsr-3191	100	31	employer	employer	NOUN
fsr-3191	100	32	plans	plan	NOUN
fsr-3191	100	33	.	.	PUNCT
fsr-3191	101	1	nevertheless	nevertheless	ADV
fsr-3191	101	2	,	,	PUNCT
fsr-3191	101	3	high	high	ADJ
fsr-3191	101	4	-	-	PUNCT
fsr-3191	101	5	balance	balance	NOUN
fsr-3191	101	6	participants	participant	NOUN
fsr-3191	101	7	may	may	AUX
fsr-3191	101	8	have	have	VERB
fsr-3191	101	9	more	more	ADV
fsr-3191	101	10	sophisticated	sophisticated	ADJ
fsr-3191	101	11	investment	investment	NOUN
fsr-3191	101	12	and	and	CCONJ
fsr-3191	101	13	advice	advice	NOUN
fsr-3191	101	14	needs	need	NOUN
fsr-3191	101	15	,	,	PUNCT
fsr-3191	101	16	for	for	ADP
fsr-3191	101	17	which	which	PRON
fsr-3191	101	18	iras	ira	NOUN
fsr-3191	101	19	can	can	AUX
fsr-3191	101	20	provide	provide	VERB
fsr-3191	101	21	a	a	DET
fsr-3191	101	22	wider	wide	ADJ
fsr-3191	101	23	range	range	NOUN
fsr-3191	101	24	of	of	ADP
fsr-3191	101	25	options	option	NOUN
fsr-3191	101	26	.	.	PUNCT
fsr-3191	102	1	4	4	X
fsr-3191	102	2	.	.	X
fsr-3191	102	3	financial	financial	ADJ
fsr-3191	102	4	advice	advice	NOUN
fsr-3191	102	5	in	in	ADP
fsr-3191	102	6	addition	addition	NOUN
fsr-3191	102	7	to	to	ADP
fsr-3191	102	8	the	the	DET
fsr-3191	102	9	investment	investment	NOUN
fsr-3191	102	10	and	and	CCONJ
fsr-3191	102	11	account	account	NOUN
fsr-3191	102	12	fees	fee	NOUN
fsr-3191	102	13	that	that	PRON
fsr-3191	102	14	retirement	retirement	NOUN
fsr-3191	102	15	savers	saver	NOUN
fsr-3191	102	16	incur	incur	VERB
fsr-3191	102	17	,	,	PUNCT
fsr-3191	102	18	plan	plan	VERB
fsr-3191	102	19	participants	participant	NOUN
fsr-3191	102	20	also	also	ADV
fsr-3191	102	21	face	face	VERB
fsr-3191	102	22	costs	cost	NOUN
fsr-3191	102	23	if	if	SCONJ
fsr-3191	102	24	they	they	PRON
fsr-3191	102	25	need	need	VERB
fsr-3191	102	26	financial	financial	ADJ
fsr-3191	102	27	advice	advice	NOUN
fsr-3191	102	28	relating	relate	VERB
fsr-3191	102	29	to	to	ADP
fsr-3191	102	30	their	their	PRON
fsr-3191	102	31	retirement	retirement	NOUN
fsr-3191	102	32	portfolios	portfolio	NOUN
fsr-3191	102	33	.	.	PUNCT
fsr-3191	103	1	in	in	ADP
fsr-3191	103	2	this	this	DET
fsr-3191	103	3	section	section	NOUN
fsr-3191	103	4	,	,	PUNCT
fsr-3191	103	5	we	we	PRON
fsr-3191	103	6	discuss	discuss	VERB
fsr-3191	103	7	costs	cost	NOUN
fsr-3191	103	8	of	of	ADP
fsr-3191	103	9	financial	financial	ADJ
fsr-3191	103	10	advice	advice	NOUN
fsr-3191	103	11	provided	provide	VERB
fsr-3191	103	12	by	by	ADP
fsr-3191	103	13	traditional	traditional	ADJ
fsr-3191	103	14	human	human	ADJ
fsr-3191	103	15	advisors	advisor	NOUN
fsr-3191	103	16	,	,	PUNCT
fsr-3191	103	17	robo	robo	NOUN
fsr-3191	103	18	-	-	PUNCT
fsr-3191	103	19	advisors	advisor	NOUN
fsr-3191	103	20	,	,	PUNCT
fsr-3191	103	21	and	and	CCONJ
fsr-3191	103	22	hybrid	hybrid	ADJ
fsr-3191	103	23	advisors	advisor	NOUN
fsr-3191	103	24	,	,	PUNCT
fsr-3191	103	25	for	for	ADP
fsr-3191	103	26	401(k	401(k	PROPN
fsr-3191	103	27	)	)	PUNCT
fsr-3191	103	28	versus	versus	ADP
fsr-3191	103	29	ira	ira	PROPN
fsr-3191	103	30	participants	participant	NOUN
fsr-3191	103	31	.	.	PUNCT
fsr-3191	104	1	in	in	ADP
fsr-3191	104	2	general	general	ADJ
fsr-3191	104	3	,	,	PUNCT
fsr-3191	104	4	the	the	DET
fsr-3191	104	5	table	table	NOUN
fsr-3191	104	6	2	2	NUM
fsr-3191	104	7	gain	gain	NOUN
fsr-3191	104	8	or	or	CCONJ
fsr-3191	104	9	loss	loss	NOUN
fsr-3191	104	10	(	(	PUNCT
fsr-3191	104	11	in	in	ADP
fsr-3191	104	12	basis	basis	NOUN
fsr-3191	104	13	points	point	NOUN
fsr-3191	104	14	)	)	PUNCT
fsr-3191	104	15	from	from	ADP
fsr-3191	104	16	rolling	roll	VERB
fsr-3191	104	17	out	out	ADP
fsr-3191	104	18	of	of	ADP
fsr-3191	104	19	the	the	DET
fsr-3191	104	20	employer	employer	NOUN
fsr-3191	104	21	plan	plan	NOUN
fsr-3191	104	22	into	into	ADP
fsr-3191	104	23	an	an	DET
fsr-3191	104	24	ira	ira	PROPN
fsr-3191	104	25	:	:	PUNCT
fsr-3191	104	26	excludes	exclude	NOUN
fsr-3191	104	27	explicit	explicit	ADJ
fsr-3191	104	28	advice	advice	NOUN
fsr-3191	104	29	cost	cost	NOUN
fsr-3191	104	30	type	type	NOUN
fsr-3191	104	31	of	of	ADP
fsr-3191	104	32	account	account	NOUN
fsr-3191	104	33	plan	plan	NOUN
fsr-3191	104	34	size	size	NOUN
fsr-3191	104	35	and	and	CCONJ
fsr-3191	104	36	fees	fee	NOUN
fsr-3191	104	37	average	average	ADJ
fsr-3191	104	38	ira	ira	PROPN
fsr-3191	104	39	fees	fee	NOUN
fsr-3191	104	40	(	(	PUNCT
fsr-3191	104	41	57	57	NUM
fsr-3191	104	42	bps	bps	NOUN
fsr-3191	104	43	)	)	PUNCT
fsr-3191	104	44	benchmark	benchmark	NOUN
fsr-3191	104	45	ira	ira	PROPN
fsr-3191	104	46	tdf	tdf	PROPN
fsr-3191	104	47	fee	fee	NOUN
fsr-3191	104	48	(	(	PUNCT
fsr-3191	104	49	10	10	NUM
fsr-3191	104	50	bps)a	bps)a	PROPN
fsr-3191	104	51	small	small	ADJ
fsr-3191	104	52	401(k	401(k	PROPN
fsr-3191	104	53	)	)	PUNCT
fsr-3191	104	54	(	(	PUNCT
fsr-3191	104	55	<	<	X
fsr-3191	104	56	$	$	SYM
fsr-3191	104	57	10	10	NUM
fsr-3191	104	58	m	m	NOUN
fsr-3191	104	59	)	)	PUNCT
fsr-3191	104	60	(	(	PUNCT
fsr-3191	104	61	104	104	NUM
fsr-3191	104	62	bps	bps	NOUN
fsr-3191	104	63	)	)	PUNCT
fsr-3191	104	64	47	47	NUM
fsr-3191	104	65	94	94	NUM
fsr-3191	104	66	medium	medium	NOUN
fsr-3191	104	67	401(k	401(k	PROPN
fsr-3191	104	68	)	)	PUNCT
fsr-3191	104	69	(	(	PUNCT
fsr-3191	104	70	<	<	X
fsr-3191	104	71	$	$	SYM
fsr-3191	104	72	250	250	NUM
fsr-3191	104	73	m	m	NOUN
fsr-3191	104	74	)	)	PUNCT
fsr-3191	104	75	(	(	PUNCT
fsr-3191	104	76	48	48	NUM
fsr-3191	104	77	bps	bps	NOUN
fsr-3191	104	78	)	)	PUNCT
fsr-3191	104	79	�	�	NOUN
fsr-3191	104	80	9	9	NUM
fsr-3191	104	81	38	38	NUM
fsr-3191	104	82	large	large	ADJ
fsr-3191	104	83	401(k	401(k	NOUN
fsr-3191	104	84	)	)	PUNCT
fsr-3191	104	85	(	(	PUNCT
fsr-3191	104	86	>	>	PUNCT
fsr-3191	104	87	$	$	SYM
fsr-3191	104	88	1bn	1bn	NUM
fsr-3191	104	89	)	)	PUNCT
fsr-3191	104	90	(	(	PUNCT
fsr-3191	104	91	22	22	NUM
fsr-3191	104	92	bps	bps	NOUN
fsr-3191	104	93	)	)	PUNCT
fsr-3191	104	94	�	�	NOUN
fsr-3191	104	95	35	35	NUM
fsr-3191	104	96	12	12	NUM
fsr-3191	104	97	megab	megab	NOUN
fsr-3191	104	98	(	(	PUNCT
fsr-3191	104	99	8	8	NUM
fsr-3191	104	100	bps	bps	NOUN
fsr-3191	104	101	)	)	PUNCT
fsr-3191	104	102	�	�	PROPN
fsr-3191	104	103	49	49	NUM
fsr-3191	104	104	�	�	SYM
fsr-3191	104	105	2	2	NUM
fsr-3191	104	106	source	source	NOUN
fsr-3191	104	107	:	:	PUNCT
fsr-3191	104	108	authors	author	NOUN
fsr-3191	104	109	’	'	PUNCT
fsr-3191	104	110	calculations	calculation	NOUN
fsr-3191	104	111	.	.	PUNCT
fsr-3191	105	1	notes	note	NOUN
fsr-3191	105	2	:	:	PUNCT
fsr-3191	105	3	small	small	ADJ
fsr-3191	105	4	,	,	PUNCT
fsr-3191	105	5	medium	medium	ADJ
fsr-3191	105	6	,	,	PUNCT
fsr-3191	105	7	and	and	CCONJ
fsr-3191	105	8	large	large	ADJ
fsr-3191	105	9	401(k	401(k	PROPN
fsr-3191	105	10	)	)	PUNCT
fsr-3191	105	11	fee	fee	NOUN
fsr-3191	105	12	data	datum	NOUN
fsr-3191	105	13	from	from	ADP
fsr-3191	105	14	brightscope	brightscope	NOUN
fsr-3191	105	15	/	/	SYM
fsr-3191	105	16	investment	investment	NOUN
fsr-3191	105	17	company	company	NOUN
fsr-3191	105	18	institute	institute	NOUN
fsr-3191	105	19	(	(	PUNCT
fsr-3191	105	20	2020	2020	NUM
fsr-3191	105	21	)	)	PUNCT
fsr-3191	105	22	.	.	PUNCT
fsr-3191	106	1	401(k	401(k	NOUN
fsr-3191	106	2	)	)	PUNCT
fsr-3191	106	3	fees	fee	NOUN
fsr-3191	106	4	include	include	VERB
fsr-3191	106	5	investment	investment	NOUN
fsr-3191	106	6	and	and	CCONJ
fsr-3191	106	7	administration	administration	NOUN
fsr-3191	106	8	fees	fee	NOUN
fsr-3191	106	9	for	for	ADP
fsr-3191	106	10	plans	plan	NOUN
fsr-3191	106	11	using	use	VERB
fsr-3191	106	12	mutual	mutual	ADJ
fsr-3191	106	13	funds	fund	NOUN
fsr-3191	106	14	.	.	PUNCT
fsr-3191	107	1	ira	ira	PROPN
fsr-3191	107	2	investment	investment	NOUN
fsr-3191	107	3	fees	fee	NOUN
fsr-3191	107	4	from	from	ADP
fsr-3191	107	5	table	table	NOUN
fsr-3191	107	6	1	1	NUM
fsr-3191	107	7	.	.	PUNCT
fsr-3191	108	1	abenchmark	abenchmark	PROPN
fsr-3191	108	2	ira	ira	PROPN
fsr-3191	108	3	tdf	tdf	PROPN
fsr-3191	108	4	fee	fee	NOUN
fsr-3191	108	5	based	base	VERB
fsr-3191	108	6	on	on	ADP
fsr-3191	108	7	average	average	NOUN
fsr-3191	108	8	of	of	ADP
fsr-3191	108	9	vanguard	vanguard	NOUN
fsr-3191	108	10	retail	retail	ADJ
fsr-3191	108	11	tdf	tdf	PROPN
fsr-3191	108	12	fee	fee	NOUN
fsr-3191	108	13	(	(	PUNCT
fsr-3191	108	14	8	8	NUM
fsr-3191	108	15	bps	bps	NOUN
fsr-3191	108	16	)	)	PUNCT
fsr-3191	108	17	and	and	CCONJ
fsr-3191	108	18	fidelity	fidelity	NOUN
fsr-3191	108	19	freedom	freedom	PROPN
fsr-3191	108	20	index	index	NOUN
fsr-3191	108	21	tdf	tdf	PROPN
fsr-3191	108	22	fee	fee	NOUN
fsr-3191	108	23	(	(	PUNCT
fsr-3191	108	24	12	12	NUM
fsr-3191	108	25	bps	bps	NOUN
fsr-3191	108	26	)	)	PUNCT
fsr-3191	108	27	.	.	PUNCT
fsr-3191	109	1	bvery	bvery	NOUN
fsr-3191	109	2	large	large	ADJ
fsr-3191	109	3	“	"	PUNCT
fsr-3191	109	4	mega	mega	NOUN
fsr-3191	109	5	”	"	PUNCT
fsr-3191	109	6	plans	plan	NOUN
fsr-3191	109	7	using	use	VERB
fsr-3191	109	8	passive	passive	ADJ
fsr-3191	109	9	cits	cit	NOUN
fsr-3191	109	10	may	may	AUX
fsr-3191	109	11	have	have	VERB
fsr-3191	109	12	significantly	significantly	ADV
fsr-3191	109	13	lower	low	ADJ
fsr-3191	109	14	costs	cost	NOUN
fsr-3191	109	15	:	:	PUNCT
fsr-3191	109	16	for	for	ADP
fsr-3191	109	17	example	example	NOUN
fsr-3191	109	18	,	,	PUNCT
fsr-3191	109	19	one	one	NUM
fsr-3191	109	20	large	large	ADJ
fsr-3191	109	21	plan	plan	NOUN
fsr-3191	109	22	with	with	ADP
fsr-3191	109	23	$	$	SYM
fsr-3191	109	24	4.5	4.5	NUM
fsr-3191	109	25	bn	bn	NOUN
fsr-3191	109	26	in	in	ADP
fsr-3191	109	27	total	total	ADJ
fsr-3191	109	28	assets	asset	NOUN
fsr-3191	109	29	offers	offer	VERB
fsr-3191	109	30	tdfs	tdf	VERB
fsr-3191	109	31	for	for	ADP
fsr-3191	109	32	6.5	6.5	NUM
fsr-3191	109	33	bps	bps	NOUN
fsr-3191	109	34	+	+	CCONJ
fsr-3191	109	35	approx	approx	NOUN
fsr-3191	109	36	.	.	PUNCT
fsr-3191	110	1	$	$	SYM
fsr-3191	110	2	50	50	NUM
fsr-3191	110	3	p.a	p.a	PROPN
fsr-3191	110	4	.	.	PUNCT
fsr-3191	110	5	admin	admin	PROPN
fsr-3191	110	6	costs	cost	NOUN
fsr-3191	110	7	,	,	PUNCT
fsr-3191	110	8	which	which	PRON
fsr-3191	110	9	on	on	ADP
fsr-3191	110	10	our	our	PRON
fsr-3191	110	11	median	median	ADJ
fsr-3191	110	12	balance	balance	NOUN
fsr-3191	110	13	of	of	ADP
fsr-3191	110	14	$	$	SYM
fsr-3191	110	15	200,000	200,000	NUM
fsr-3191	110	16	would	would	AUX
fsr-3191	110	17	be	be	AUX
fsr-3191	110	18	the	the	DET
fsr-3191	110	19	equivalent	equivalent	NOUN
fsr-3191	110	20	of	of	ADP
fsr-3191	110	21	8	8	NUM
fsr-3191	110	22	bps	bps	NOUN
fsr-3191	110	23	of	of	ADP
fsr-3191	110	24	total	total	ADJ
fsr-3191	110	25	cost	cost	NOUN
fsr-3191	110	26	.	.	PUNCT
fsr-3191	111	1	6	6	NUM
fsr-3191	111	2	o.	o.	PROPN
fsr-3191	111	3	s.	s.	PROPN
fsr-3191	111	4	mitchell	mitchell	PROPN
fsr-3191	111	5	et	et	PROPN
fsr-3191	111	6	al	al	PROPN
fsr-3191	111	7	.	.	PUNCT
fsr-3191	111	8	/	/	SYM
fsr-3191	111	9	financial	financial	ADJ
fsr-3191	111	10	services	service	NOUN
fsr-3191	111	11	review	review	VERB
fsr-3191	111	12	31	31	NUM
fsr-3191	111	13	(	(	PUNCT
fsr-3191	111	14	2023	2023	NUM
fsr-3191	111	15	)	)	PUNCT
fsr-3191	111	16	1–21	1–21	NOUN
fsr-3191	111	17	evidence	evidence	NOUN
fsr-3191	111	18	shows	show	VERB
fsr-3191	111	19	that	that	SCONJ
fsr-3191	111	20	participants	participant	NOUN
fsr-3191	111	21	with	with	ADP
fsr-3191	111	22	higher	high	ADJ
fsr-3191	111	23	account	account	NOUN
fsr-3191	111	24	balances	balance	NOUN
fsr-3191	111	25	are	be	AUX
fsr-3191	111	26	most	most	ADV
fsr-3191	111	27	likely	likely	ADJ
fsr-3191	111	28	to	to	PART
fsr-3191	111	29	use	use	VERB
fsr-3191	111	30	professional	professional	ADJ
fsr-3191	111	31	financial	financial	ADJ
fsr-3191	111	32	advisors	advisor	NOUN
fsr-3191	111	33	:	:	PUNCT
fsr-3191	111	34	49	49	NUM
fsr-3191	111	35	%	%	NOUN
fsr-3191	111	36	of	of	ADP
fsr-3191	111	37	retirement	retirement	NOUN
fsr-3191	111	38	savers	saver	NOUN
fsr-3191	111	39	with	with	ADP
fsr-3191	111	40	investable	investable	ADJ
fsr-3191	111	41	assets	asset	NOUN
fsr-3191	111	42	over	over	ADP
fsr-3191	111	43	$	$	SYM
fsr-3191	111	44	500,000	500,000	NUM
fsr-3191	111	45	use	use	NOUN
fsr-3191	111	46	advisors	advisor	NOUN
fsr-3191	111	47	,	,	PUNCT
fsr-3191	111	48	compared	compare	VERB
fsr-3191	111	49	with	with	ADP
fsr-3191	111	50	only	only	ADV
fsr-3191	111	51	16	16	NUM
fsr-3191	111	52	%	%	NOUN
fsr-3191	111	53	of	of	ADP
fsr-3191	111	54	those	those	PRON
fsr-3191	111	55	having	have	VERB
fsr-3191	111	56	under	under	ADP
fsr-3191	111	57	$	$	SYM
fsr-3191	111	58	50,000	50,000	NUM
fsr-3191	111	59	(	(	PUNCT
fsr-3191	111	60	cerulli	cerulli	PROPN
fsr-3191	111	61	associates	associates	PROPN
fsr-3191	111	62	,	,	PUNCT
fsr-3191	111	63	2021a	2021a	NUM
fsr-3191	111	64	)	)	PUNCT
fsr-3191	111	65	.	.	PUNCT
fsr-3191	112	1	4.1	4.1	NUM
fsr-3191	112	2	.	.	PUNCT
fsr-3191	112	3	financial	financial	ADJ
fsr-3191	112	4	advice	advice	NOUN
fsr-3191	112	5	options	option	NOUN
fsr-3191	112	6	for	for	ADP
fsr-3191	112	7	401(k	401(k	NOUN
fsr-3191	112	8	)	)	PUNCT
fsr-3191	112	9	participants	participant	NOUN
fsr-3191	112	10	while	while	SCONJ
fsr-3191	112	11	401(k	401(k	NOUN
fsr-3191	112	12	)	)	PUNCT
fsr-3191	112	13	sponsors	sponsor	NOUN
fsr-3191	112	14	do	do	AUX
fsr-3191	112	15	not	not	PART
fsr-3191	112	16	generally	generally	ADV
fsr-3191	112	17	provide	provide	VERB
fsr-3191	112	18	actual	actual	ADJ
fsr-3191	112	19	investment	investment	NOUN
fsr-3191	112	20	advice	advice	NOUN
fsr-3191	112	21	,	,	PUNCT
fsr-3191	112	22	in	in	ADP
fsr-3191	112	23	practice	practice	NOUN
fsr-3191	112	24	,	,	PUNCT
fsr-3191	112	25	participants	participant	NOUN
fsr-3191	112	26	in	in	ADP
fsr-3191	112	27	401(k	401(k	PROPN
fsr-3191	112	28	)	)	PUNCT
fsr-3191	112	29	plans	plan	NOUN
fsr-3191	112	30	often	often	ADV
fsr-3191	112	31	receive	receive	VERB
fsr-3191	112	32	implicit	implicit	ADJ
fsr-3191	112	33	financial	financial	ADJ
fsr-3191	112	34	advice	advice	NOUN
fsr-3191	112	35	from	from	ADP
fsr-3191	112	36	their	their	PRON
fsr-3191	112	37	plan	plan	NOUN
fsr-3191	112	38	providers	provider	NOUN
fsr-3191	112	39	at	at	ADP
fsr-3191	112	40	no	no	DET
fsr-3191	112	41	additional	additional	ADJ
fsr-3191	112	42	cost	cost	NOUN
fsr-3191	112	43	beyond	beyond	ADP
fsr-3191	112	44	the	the	DET
fsr-3191	112	45	investment	investment	NOUN
fsr-3191	112	46	and	and	CCONJ
fsr-3191	112	47	administrative	administrative	ADJ
fsr-3191	112	48	charges	charge	NOUN
fsr-3191	112	49	they	they	PRON
fsr-3191	112	50	pay	pay	VERB
fsr-3191	112	51	on	on	ADP
fsr-3191	112	52	their	their	PRON
fsr-3191	112	53	retirement	retirement	NOUN
fsr-3191	112	54	savings	saving	NOUN
fsr-3191	112	55	.	.	PUNCT
fsr-3191	113	1	one	one	NUM
fsr-3191	113	2	way	way	NOUN
fsr-3191	113	3	in	in	ADP
fsr-3191	113	4	which	which	PRON
fsr-3191	113	5	this	this	PRON
fsr-3191	113	6	occurs	occur	VERB
fsr-3191	113	7	is	be	AUX
fsr-3191	113	8	that	that	SCONJ
fsr-3191	113	9	plan	plan	NOUN
fsr-3191	113	10	sponsors	sponsor	NOUN
fsr-3191	113	11	select	select	VERB
fsr-3191	113	12	the	the	DET
fsr-3191	113	13	investment	investment	NOUN
fsr-3191	113	14	menus	menu	NOUN
fsr-3191	113	15	for	for	ADP
fsr-3191	113	16	the	the	DET
fsr-3191	113	17	offered	offer	VERB
fsr-3191	113	18	plans	plan	NOUN
fsr-3191	113	19	.	.	PUNCT
fsr-3191	114	1	these	these	PRON
fsr-3191	114	2	are	be	AUX
fsr-3191	114	3	often	often	ADV
fsr-3191	114	4	interpreted	interpret	VERB
fsr-3191	114	5	by	by	ADP
fsr-3191	114	6	employees	employee	NOUN
fsr-3191	114	7	as	as	ADP
fsr-3191	114	8	firm	firm	NOUN
fsr-3191	114	9	-	-	PUNCT
fsr-3191	114	10	provided	provide	VERB
fsr-3191	114	11	advice	advice	NOUN
fsr-3191	114	12	(	(	PUNCT
fsr-3191	114	13	mitchell	mitchell	PROPN
fsr-3191	114	14	&	&	CCONJ
fsr-3191	114	15	utkus	utkus	PROPN
fsr-3191	114	16	,	,	PUNCT
fsr-3191	114	17	2022	2022	NUM
fsr-3191	114	18	)	)	PUNCT
fsr-3191	114	19	.	.	PUNCT
fsr-3191	115	1	additionally	additionally	ADV
fsr-3191	115	2	,	,	PUNCT
fsr-3191	115	3	most	most	ADJ
fsr-3191	115	4	401(k	401(k	NOUN
fsr-3191	115	5	)	)	PUNCT
fsr-3191	115	6	plans	plan	NOUN
fsr-3191	115	7	have	have	VERB
fsr-3191	115	8	a	a	DET
fsr-3191	115	9	default	default	NOUN
fsr-3191	115	10	investment	investment	NOUN
fsr-3191	115	11	option	option	NOUN
fsr-3191	115	12	,	,	PUNCT
fsr-3191	115	13	typically	typically	ADV
fsr-3191	115	14	a	a	DET
fsr-3191	115	15	target	target	NOUN
fsr-3191	115	16	date	date	NOUN
fsr-3191	115	17	fund	fund	NOUN
fsr-3191	115	18	suite	suite	NOUN
fsr-3191	115	19	,	,	PUNCT
fsr-3191	115	20	for	for	ADP
fsr-3191	115	21	participants	participant	NOUN
fsr-3191	115	22	who	who	PRON
fsr-3191	115	23	do	do	AUX
fsr-3191	115	24	not	not	PART
fsr-3191	115	25	make	make	VERB
fsr-3191	115	26	active	active	ADJ
fsr-3191	115	27	investment	investment	NOUN
fsr-3191	115	28	choices	choice	NOUN
fsr-3191	115	29	.	.	PUNCT
fsr-3191	116	1	according	accord	VERB
fsr-3191	116	2	to	to	ADP
fsr-3191	116	3	a	a	DET
fsr-3191	116	4	large	large	ADJ
fsr-3191	116	5	retirement	retirement	NOUN
fsr-3191	116	6	plan	plan	NOUN
fsr-3191	116	7	provider	provider	NOUN
fsr-3191	116	8	,	,	PUNCT
fsr-3191	116	9	target	target	NOUN
fsr-3191	116	10	date	date	NOUN
fsr-3191	116	11	funds	fund	NOUN
fsr-3191	116	12	are	be	AUX
fsr-3191	116	13	offered	offer	VERB
fsr-3191	116	14	by	by	ADP
fsr-3191	116	15	nearly	nearly	ADV
fsr-3191	116	16	90	90	NUM
fsr-3191	116	17	%	%	NOUN
fsr-3191	116	18	of	of	ADP
fsr-3191	116	19	employer	employer	NOUN
fsr-3191	116	20	-	-	PUNCT
fsr-3191	116	21	sponsored	sponsor	VERB
fsr-3191	116	22	defined	define	VERB
fsr-3191	116	23	contribution	contribution	NOUN
fsr-3191	116	24	plans	plan	NOUN
fsr-3191	116	25	,	,	PUNCT
fsr-3191	116	26	such	such	ADJ
fsr-3191	116	27	as	as	ADP
fsr-3191	116	28	401(k	401(k	NOUN
fsr-3191	116	29	)	)	PUNCT
fsr-3191	116	30	plans	plan	NOUN
fsr-3191	116	31	(	(	PUNCT
fsr-3191	116	32	finra	finra	NOUN
fsr-3191	116	33	,	,	PUNCT
fsr-3191	116	34	2022	2022	NUM
fsr-3191	116	35	)	)	PUNCT
fsr-3191	116	36	.	.	PUNCT
fsr-3191	117	1	under	under	ADP
fsr-3191	117	2	u.s	u.s	PROPN
fsr-3191	117	3	.	.	PROPN
fsr-3191	117	4	law	law	NOUN
fsr-3191	117	5	,	,	PUNCT
fsr-3191	117	6	plan	plan	NOUN
fsr-3191	117	7	providers	provider	NOUN
fsr-3191	117	8	have	have	VERB
fsr-3191	117	9	a	a	DET
fsr-3191	117	10	fiduciary	fiduciary	ADJ
fsr-3191	117	11	duty	duty	NOUN
fsr-3191	117	12	to	to	PART
fsr-3191	117	13	provide	provide	VERB
fsr-3191	117	14	investment	investment	NOUN
fsr-3191	117	15	options	option	NOUN
fsr-3191	117	16	in	in	ADP
fsr-3191	117	17	participants	participant	NOUN
fsr-3191	117	18	’	'	PUNCT
fsr-3191	117	19	best	good	ADJ
fsr-3191	117	20	interests	interest	NOUN
fsr-3191	117	21	,	,	PUNCT
fsr-3191	117	22	in	in	ADP
fsr-3191	117	23	terms	term	NOUN
fsr-3191	117	24	of	of	ADP
fsr-3191	117	25	diversification	diversification	NOUN
fsr-3191	117	26	,	,	PUNCT
fsr-3191	117	27	risk	risk	NOUN
fsr-3191	117	28	,	,	PUNCT
fsr-3191	117	29	expected	expect	VERB
fsr-3191	117	30	return	return	NOUN
fsr-3191	117	31	,	,	PUNCT
fsr-3191	117	32	fees	fee	NOUN
fsr-3191	117	33	,	,	PUNCT
fsr-3191	117	34	and	and	CCONJ
fsr-3191	117	35	the	the	DET
fsr-3191	117	36	choice	choice	NOUN
fsr-3191	117	37	of	of	ADP
fsr-3191	117	38	investment	investment	NOUN
fsr-3191	117	39	options	option	NOUN
fsr-3191	117	40	.	.	PUNCT
fsr-3191	118	1	this	this	DET
fsr-3191	118	2	fiduciary	fiduciary	ADJ
fsr-3191	118	3	oversight	oversight	NOUN
fsr-3191	118	4	provides	provide	VERB
fsr-3191	118	5	401(k	401(k	NOUN
fsr-3191	118	6	)	)	PUNCT
fsr-3191	118	7	plan	plan	NOUN
fsr-3191	118	8	participants	participant	NOUN
fsr-3191	118	9	a	a	DET
fsr-3191	118	10	level	level	NOUN
fsr-3191	118	11	of	of	ADP
fsr-3191	118	12	protection	protection	NOUN
fsr-3191	118	13	that	that	PRON
fsr-3191	118	14	does	do	AUX
fsr-3191	118	15	not	not	PART
fsr-3191	118	16	exist	exist	VERB
fsr-3191	118	17	in	in	ADP
fsr-3191	118	18	the	the	DET
fsr-3191	118	19	typical	typical	ADJ
fsr-3191	118	20	ira	ira	PROPN
fsr-3191	118	21	setting	setting	NOUN
fsr-3191	118	22	.	.	PUNCT
fsr-3191	119	1	sponsor	sponsor	NOUN
fsr-3191	119	2	fiduciary	fiduciary	ADJ
fsr-3191	119	3	duty	duty	NOUN
fsr-3191	119	4	has	have	AUX
fsr-3191	119	5	been	be	AUX
fsr-3191	119	6	vigorously	vigorously	ADV
fsr-3191	119	7	enforced	enforce	VERB
fsr-3191	119	8	through	through	ADP
fsr-3191	119	9	a	a	DET
fsr-3191	119	10	series	series	NOUN
fsr-3191	119	11	of	of	ADP
fsr-3191	119	12	recent	recent	ADJ
fsr-3191	119	13	lawsuits	lawsuit	NOUN
fsr-3191	119	14	arising	arise	VERB
fsr-3191	119	15	when	when	SCONJ
fsr-3191	119	16	401(k	401(k	NOUN
fsr-3191	119	17	)	)	PUNCT
fsr-3191	119	18	participants	participant	NOUN
fsr-3191	119	19	have	have	AUX
fsr-3191	119	20	questioned	question	VERB
fsr-3191	119	21	the	the	DET
fsr-3191	119	22	level	level	NOUN
fsr-3191	119	23	of	of	ADP
fsr-3191	119	24	fees	fee	NOUN
fsr-3191	119	25	and	and	CCONJ
fsr-3191	119	26	the	the	DET
fsr-3191	119	27	quality	quality	NOUN
fsr-3191	119	28	of	of	ADP
fsr-3191	119	29	investment	investment	NOUN
fsr-3191	119	30	options	option	NOUN
fsr-3191	119	31	available	available	ADJ
fsr-3191	119	32	(	(	PUNCT
fsr-3191	119	33	turner	turner	NOUN
fsr-3191	119	34	,	,	PUNCT
fsr-3191	119	35	2021	2021	NUM
fsr-3191	119	36	)	)	PUNCT
fsr-3191	119	37	.	.	PUNCT
fsr-3191	120	1	such	such	ADJ
fsr-3191	120	2	lawsuits	lawsuit	NOUN
fsr-3191	120	3	are	be	AUX
fsr-3191	120	4	likely	likely	ADJ
fsr-3191	120	5	to	to	PART
fsr-3191	120	6	have	have	AUX
fsr-3191	120	7	been	be	AUX
fsr-3191	120	8	a	a	DET
fsr-3191	120	9	factor	factor	NOUN
fsr-3191	120	10	in	in	ADP
fsr-3191	120	11	401(k	401(k	PROPN
fsr-3191	120	12	)	)	PUNCT
fsr-3191	120	13	fees	fee	NOUN
fsr-3191	120	14	declining	decline	VERB
fsr-3191	120	15	more	more	ADV
fsr-3191	120	16	rapidly	rapidly	ADV
fsr-3191	120	17	over	over	ADP
fsr-3191	120	18	time	time	NOUN
fsr-3191	120	19	,	,	PUNCT
fsr-3191	120	20	compared	compare	VERB
fsr-3191	120	21	with	with	ADP
fsr-3191	120	22	average	average	ADJ
fsr-3191	120	23	fees	fee	NOUN
fsr-3191	120	24	for	for	ADP
fsr-3191	120	25	mutual	mutual	ADJ
fsr-3191	120	26	funds	fund	NOUN
fsr-3191	120	27	,	,	PUNCT
fsr-3191	120	28	as	as	SCONJ
fsr-3191	120	29	is	be	AUX
fsr-3191	120	30	evident	evident	ADJ
fsr-3191	120	31	in	in	ADP
fsr-3191	120	32	table	table	NOUN
fsr-3191	120	33	3	3	NUM
fsr-3191	120	34	.	.	PUNCT
fsr-3191	121	1	the	the	DET
fsr-3191	121	2	401(k	401(k	PROPN
fsr-3191	121	3	)	)	PUNCT
fsr-3191	121	4	participants	participant	NOUN
fsr-3191	121	5	who	who	PRON
fsr-3191	121	6	wish	wish	VERB
fsr-3191	121	7	for	for	ADP
fsr-3191	121	8	more	more	ADV
fsr-3191	121	9	customized	customize	VERB
fsr-3191	121	10	portfolios	portfolio	NOUN
fsr-3191	121	11	than	than	ADP
fsr-3191	121	12	those	those	PRON
fsr-3191	121	13	provided	provide	VERB
fsr-3191	121	14	by	by	ADP
fsr-3191	121	15	plan	plan	NOUN
fsr-3191	121	16	sponsor	sponsor	NOUN
fsr-3191	121	17	default	default	NOUN
fsr-3191	121	18	options	option	NOUN
fsr-3191	121	19	may	may	AUX
fsr-3191	121	20	decide	decide	VERB
fsr-3191	121	21	to	to	PART
fsr-3191	121	22	pay	pay	VERB
fsr-3191	121	23	for	for	ADP
fsr-3191	121	24	additional	additional	ADJ
fsr-3191	121	25	advice	advice	NOUN
fsr-3191	121	26	regarding	regard	VERB
fsr-3191	121	27	their	their	PRON
fsr-3191	121	28	retirement	retirement	NOUN
fsr-3191	121	29	plan	plan	NOUN
fsr-3191	121	30	investments	investment	NOUN
fsr-3191	121	31	.	.	PUNCT
fsr-3191	122	1	one	one	NUM
fsr-3191	122	2	increasingly	increasingly	ADV
fsr-3191	122	3	widespread	widespread	ADJ
fsr-3191	122	4	option	option	NOUN
fsr-3191	122	5	is	be	AUX
fsr-3191	122	6	a	a	DET
fsr-3191	122	7	managed	manage	VERB
fsr-3191	122	8	account	account	NOUN
fsr-3191	122	9	,	,	PUNCT
fsr-3191	122	10	where	where	SCONJ
fsr-3191	122	11	the	the	DET
fsr-3191	122	12	plan	plan	NOUN
fsr-3191	122	13	’s	’s	PART
fsr-3191	122	14	available	available	ADJ
fsr-3191	122	15	investment	investment	NOUN
fsr-3191	122	16	options	option	NOUN
fsr-3191	122	17	are	be	AUX
fsr-3191	122	18	combined	combine	VERB
fsr-3191	122	19	with	with	ADP
fsr-3191	122	20	employee	employee	NOUN
fsr-3191	122	21	attributes	attribute	NOUN
fsr-3191	122	22	such	such	ADJ
fsr-3191	122	23	as	as	ADP
fsr-3191	122	24	risk	risk	NOUN
fsr-3191	122	25	tolerance	tolerance	NOUN
fsr-3191	122	26	,	,	PUNCT
fsr-3191	122	27	salary	salary	NOUN
fsr-3191	122	28	,	,	PUNCT
fsr-3191	122	29	or	or	CCONJ
fsr-3191	122	30	outside	outside	ADJ
fsr-3191	122	31	assets	asset	NOUN
fsr-3191	122	32	,	,	PUNCT
fsr-3191	122	33	to	to	PART
fsr-3191	122	34	construct	construct	VERB
fsr-3191	122	35	and	and	CCONJ
fsr-3191	122	36	manage	manage	VERB
fsr-3191	122	37	a	a	DET
fsr-3191	122	38	personalized	personalized	ADJ
fsr-3191	122	39	investment	investment	NOUN
fsr-3191	122	40	portfolio	portfolio	NOUN
fsr-3191	122	41	.	.	PUNCT
fsr-3191	123	1	fees	fee	NOUN
fsr-3191	123	2	for	for	ADP
fsr-3191	123	3	managed	manage	VERB
fsr-3191	123	4	accounts	account	NOUN
fsr-3191	123	5	vary	vary	VERB
fsr-3191	123	6	but	but	CCONJ
fsr-3191	123	7	are	be	AUX
fsr-3191	123	8	often	often	ADV
fsr-3191	123	9	in	in	ADP
fsr-3191	123	10	the	the	DET
fsr-3191	123	11	range	range	NOUN
fsr-3191	123	12	of	of	ADP
fsr-3191	123	13	25–35	25–35	NUM
fsr-3191	123	14	bps	bps	NOUN
fsr-3191	123	15	,	,	PUNCT
fsr-3191	123	16	in	in	ADP
fsr-3191	123	17	addition	addition	NOUN
fsr-3191	123	18	to	to	ADP
fsr-3191	123	19	the	the	DET
fsr-3191	123	20	cost	cost	NOUN
fsr-3191	123	21	of	of	ADP
fsr-3191	123	22	the	the	DET
fsr-3191	123	23	underlying	underlie	VERB
fsr-3191	123	24	investments	investment	NOUN
fsr-3191	123	25	(	(	PUNCT
fsr-3191	123	26	cerulli	cerulli	PROPN
fsr-3191	123	27	associates	associates	PROPN
fsr-3191	123	28	,	,	PUNCT
fsr-3191	123	29	2021b	2021b	NUM
fsr-3191	123	30	)	)	PUNCT
fsr-3191	123	31	.	.	PUNCT
fsr-3191	124	1	alternatively	alternatively	ADV
fsr-3191	124	2	,	,	PUNCT
fsr-3191	124	3	participants	participant	NOUN
fsr-3191	124	4	can	can	AUX
fsr-3191	124	5	hire	hire	VERB
fsr-3191	124	6	their	their	PRON
fsr-3191	124	7	own	own	ADJ
fsr-3191	124	8	external	external	ADJ
fsr-3191	124	9	advisors	advisor	NOUN
fsr-3191	124	10	—	—	PUNCT
fsr-3191	124	11	either	either	CCONJ
fsr-3191	124	12	human	human	ADJ
fsr-3191	124	13	or	or	CCONJ
fsr-3191	124	14	robo	robo	NOUN
fsr-3191	124	15	—	—	PUNCT
fsr-3191	124	16	to	to	PART
fsr-3191	124	17	help	help	VERB
fsr-3191	124	18	them	they	PRON
fsr-3191	124	19	choose	choose	VERB
fsr-3191	124	20	from	from	ADP
fsr-3191	124	21	the	the	DET
fsr-3191	124	22	investment	investment	NOUN
fsr-3191	124	23	options	option	NOUN
fsr-3191	124	24	in	in	ADP
fsr-3191	124	25	their	their	PRON
fsr-3191	124	26	401(k	401(k	NOUN
fsr-3191	124	27	)	)	PUNCT
fsr-3191	124	28	plans	plan	NOUN
fsr-3191	124	29	.	.	PUNCT
fsr-3191	125	1	external	external	ADJ
fsr-3191	125	2	advisors	advisor	NOUN
fsr-3191	125	3	can	can	AUX
fsr-3191	125	4	also	also	ADV
fsr-3191	125	5	give	give	VERB
fsr-3191	125	6	advice	advice	NOUN
fsr-3191	125	7	on	on	ADP
fsr-3191	125	8	participants	participant	NOUN
fsr-3191	125	9	’	'	PUNCT
fsr-3191	125	10	non-401(k	non-401(k	ADJ
fsr-3191	125	11	)	)	PUNCT
fsr-3191	125	12	assets	asset	NOUN
fsr-3191	125	13	.	.	PUNCT
fsr-3191	126	1	nevertheless	nevertheless	ADV
fsr-3191	126	2	,	,	PUNCT
fsr-3191	126	3	participants	participant	NOUN
fsr-3191	126	4	within	within	ADP
fsr-3191	126	5	a	a	DET
fsr-3191	126	6	401(k	401(k	PROPN
fsr-3191	126	7	)	)	PUNCT
fsr-3191	126	8	plan	plan	NOUN
fsr-3191	126	9	who	who	PRON
fsr-3191	126	10	use	use	VERB
fsr-3191	126	11	table	table	NOUN
fsr-3191	126	12	3	3	NUM
fsr-3191	126	13	asset	asset	NOUN
fsr-3191	126	14	-	-	PUNCT
fsr-3191	126	15	weighted	weight	VERB
fsr-3191	126	16	equity	equity	NOUN
fsr-3191	126	17	mutual	mutual	ADJ
fsr-3191	126	18	fund	fund	NOUN
fsr-3191	126	19	expense	expense	NOUN
fsr-3191	126	20	ratios	ratio	NOUN
fsr-3191	126	21	:	:	PUNCT
fsr-3191	126	22	2010	2010	NUM
fsr-3191	126	23	and	and	CCONJ
fsr-3191	126	24	2020	2020	NUM
fsr-3191	126	25	equity	equity	NOUN
fsr-3191	126	26	mutual	mutual	ADJ
fsr-3191	126	27	fund	fund	NOUN
fsr-3191	126	28	market	market	NOUN
fsr-3191	126	29	segment	segment	NOUN
fsr-3191	126	30	2010	2010	NUM
fsr-3191	126	31	expense	expense	NOUN
fsr-3191	126	32	ratio	ratio	NOUN
fsr-3191	126	33	(	(	PUNCT
fsr-3191	126	34	bps	bps	NOUN
fsr-3191	126	35	)	)	PUNCT
fsr-3191	126	36	2020	2020	NUM
fsr-3191	126	37	expense	expense	NOUN
fsr-3191	126	38	ratio	ratio	NOUN
fsr-3191	126	39	(	(	PUNCT
fsr-3191	126	40	bps	bps	NOUN
fsr-3191	126	41	)	)	PUNCT
fsr-3191	126	42	ratio	ratio	NOUN
fsr-3191	126	43	of	of	ADP
fsr-3191	126	44	2020	2020	NUM
fsr-3191	126	45	to	to	ADP
fsr-3191	126	46	2010	2010	NUM
fsr-3191	126	47	(	(	PUNCT
fsr-3191	126	48	percent	percent	NOUN
fsr-3191	126	49	)	)	PUNCT
fsr-3191	126	50	overall	overall	ADJ
fsr-3191	126	51	83	83	NUM
fsr-3191	126	52	50	50	NUM
fsr-3191	126	53	60.2	60.2	NUM
fsr-3191	126	54	401(k	401(k	NOUN
fsr-3191	126	55	)	)	PUNCT
fsr-3191	126	56	plans	plan	VERB
fsr-3191	126	57	70	70	NUM
fsr-3191	126	58	39	39	NUM
fsr-3191	126	59	55.7	55.7	NUM
fsr-3191	126	60	ira	ira	PROPN
fsr-3191	126	61	85	85	NUM
fsr-3191	126	62	57	57	NUM
fsr-3191	126	63	67.0	67.0	NUM
fsr-3191	126	64	source	source	NOUN
fsr-3191	126	65	:	:	PUNCT
fsr-3191	126	66	ici	ici	PROPN
fsr-3191	126	67	(	(	PUNCT
fsr-3191	126	68	2021a	2021a	NUM
fsr-3191	126	69	,	,	PUNCT
fsr-3191	126	70	2021b	2021b	NUM
fsr-3191	126	71	)	)	PUNCT
fsr-3191	126	72	and	and	CCONJ
fsr-3191	126	73	authors	author	NOUN
fsr-3191	126	74	’	’	PART
fsr-3191	126	75	calculations	calculation	NOUN
fsr-3191	126	76	.	.	PUNCT
fsr-3191	127	1	o.	o.	PROPN
fsr-3191	127	2	s.	s.	PROPN
fsr-3191	127	3	mitchell	mitchell	PROPN
fsr-3191	127	4	et	et	PROPN
fsr-3191	127	5	al	al	PROPN
fsr-3191	127	6	.	.	PUNCT
fsr-3191	127	7	/	/	SYM
fsr-3191	127	8	financial	financial	ADJ
fsr-3191	127	9	services	service	NOUN
fsr-3191	127	10	review	review	VERB
fsr-3191	127	11	31	31	NUM
fsr-3191	127	12	(	(	PUNCT
fsr-3191	127	13	2023	2023	NUM
fsr-3191	127	14	)	)	PUNCT
fsr-3191	127	15	1–21	1–21	PROPN
fsr-3191	127	16	7	7	NUM
fsr-3191	127	17	external	external	ADJ
fsr-3191	127	18	advisors	advisor	NOUN
fsr-3191	127	19	will	will	AUX
fsr-3191	127	20	need	need	VERB
fsr-3191	127	21	to	to	PART
fsr-3191	127	22	implement	implement	VERB
fsr-3191	127	23	these	these	DET
fsr-3191	127	24	recommendations	recommendation	NOUN
fsr-3191	127	25	themselves	themselves	PRON
fsr-3191	127	26	,	,	PUNCT
fsr-3191	127	27	and	and	CCONJ
fsr-3191	127	28	advisors	advisor	NOUN
fsr-3191	127	29	can	can	AUX
fsr-3191	127	30	only	only	ADV
fsr-3191	127	31	help	help	VERB
fsr-3191	127	32	them	they	PRON
fsr-3191	127	33	select	select	VERB
fsr-3191	127	34	from	from	ADP
fsr-3191	127	35	the	the	DET
fsr-3191	127	36	investment	investment	NOUN
fsr-3191	127	37	options	option	NOUN
fsr-3191	127	38	available	available	ADJ
fsr-3191	127	39	on	on	ADP
fsr-3191	127	40	the	the	DET
fsr-3191	127	41	plan	plan	NOUN
fsr-3191	127	42	menu	menu	NOUN
fsr-3191	127	43	(	(	PUNCT
fsr-3191	127	44	or	or	CCONJ
fsr-3191	127	45	through	through	ADP
fsr-3191	127	46	a	a	DET
fsr-3191	127	47	plan	plan	NOUN
fsr-3191	127	48	brokerage	brokerage	NOUN
fsr-3191	127	49	window	window	NOUN
fsr-3191	127	50	,	,	PUNCT
fsr-3191	127	51	if	if	SCONJ
fsr-3191	127	52	available	available	ADJ
fsr-3191	127	53	)	)	PUNCT
fsr-3191	127	54	.	.	PUNCT
fsr-3191	128	1	4.2	4.2	NUM
fsr-3191	128	2	.	.	PUNCT
fsr-3191	129	1	financial	financial	ADJ
fsr-3191	129	2	advice	advice	NOUN
fsr-3191	129	3	options	option	NOUN
fsr-3191	129	4	for	for	ADP
fsr-3191	129	5	ira	ira	PROPN
fsr-3191	129	6	participants	participant	NOUN
fsr-3191	129	7	if	if	SCONJ
fsr-3191	129	8	participants	participant	NOUN
fsr-3191	129	9	wish	wish	VERB
fsr-3191	129	10	to	to	PART
fsr-3191	129	11	roll	roll	VERB
fsr-3191	129	12	their	their	PRON
fsr-3191	129	13	assets	asset	NOUN
fsr-3191	129	14	out	out	ADP
fsr-3191	129	15	of	of	ADP
fsr-3191	129	16	employer	employer	NOUN
fsr-3191	129	17	plans	plan	NOUN
fsr-3191	129	18	into	into	ADP
fsr-3191	129	19	iras	ira	NOUN
fsr-3191	129	20	,	,	PUNCT
fsr-3191	129	21	they	they	PRON
fsr-3191	129	22	must	must	AUX
fsr-3191	129	23	first	first	ADV
fsr-3191	129	24	select	select	VERB
fsr-3191	129	25	an	an	DET
fsr-3191	129	26	ira	ira	PROPN
fsr-3191	129	27	custodian	custodian	NOUN
fsr-3191	129	28	in	in	ADP
fsr-3191	129	29	the	the	DET
fsr-3191	129	30	form	form	NOUN
fsr-3191	129	31	of	of	ADP
fsr-3191	129	32	a	a	DET
fsr-3191	129	33	bank	bank	NOUN
fsr-3191	129	34	,	,	PUNCT
fsr-3191	129	35	brokerage	brokerage	NOUN
fsr-3191	129	36	firm	firm	NOUN
fsr-3191	129	37	,	,	PUNCT
fsr-3191	129	38	or	or	CCONJ
fsr-3191	129	39	insurance	insurance	NOUN
fsr-3191	129	40	company	company	NOUN
fsr-3191	129	41	;	;	PUNCT
fsr-3191	129	42	alternatively	alternatively	ADV
fsr-3191	129	43	,	,	PUNCT
fsr-3191	129	44	participants	participant	NOUN
fsr-3191	129	45	can	can	AUX
fsr-3191	129	46	go	go	VERB
fsr-3191	129	47	directly	directly	ADV
fsr-3191	129	48	to	to	ADP
fsr-3191	129	49	a	a	DET
fsr-3191	129	50	mutual	mutual	ADJ
fsr-3191	129	51	fund	fund	NOUN
fsr-3191	129	52	company	company	NOUN
fsr-3191	129	53	(	(	PUNCT
fsr-3191	129	54	laponsie	laponsie	PROPN
fsr-3191	129	55	,	,	PUNCT
fsr-3191	129	56	2022	2022	NUM
fsr-3191	129	57	)	)	PUNCT
fsr-3191	129	58	.	.	PUNCT
fsr-3191	130	1	because	because	SCONJ
fsr-3191	130	2	ira	ira	PROPN
fsr-3191	130	3	managers	manager	NOUN
fsr-3191	130	4	offer	offer	VERB
fsr-3191	130	5	a	a	DET
fsr-3191	130	6	wide	wide	ADJ
fsr-3191	130	7	range	range	NOUN
fsr-3191	130	8	of	of	ADP
fsr-3191	130	9	investments	investment	NOUN
fsr-3191	130	10	from	from	ADP
fsr-3191	130	11	which	which	PRON
fsr-3191	130	12	participants	participant	NOUN
fsr-3191	130	13	can	can	AUX
fsr-3191	130	14	select	select	VERB
fsr-3191	130	15	,	,	PUNCT
fsr-3191	130	16	with	with	ADP
fsr-3191	130	17	diverse	diverse	ADJ
fsr-3191	130	18	fees	fee	NOUN
fsr-3191	130	19	and	and	CCONJ
fsr-3191	130	20	charges	charge	NOUN
fsr-3191	130	21	,	,	PUNCT
fsr-3191	130	22	the	the	DET
fsr-3191	130	23	choice	choice	NOUN
fsr-3191	130	24	of	of	ADP
fsr-3191	130	25	investment	investment	NOUN
fsr-3191	130	26	products	product	NOUN
fsr-3191	130	27	is	be	AUX
fsr-3191	130	28	an	an	DET
fsr-3191	130	29	important	important	ADJ
fsr-3191	130	30	decision	decision	NOUN
fsr-3191	130	31	,	,	PUNCT
fsr-3191	130	32	requiring	require	VERB
fsr-3191	130	33	a	a	DET
fsr-3191	130	34	level	level	NOUN
fsr-3191	130	35	of	of	ADP
fsr-3191	130	36	knowledge	knowledge	NOUN
fsr-3191	130	37	not	not	PART
fsr-3191	130	38	typically	typically	ADV
fsr-3191	130	39	demanded	demand	VERB
fsr-3191	130	40	of	of	ADP
fsr-3191	130	41	401(k	401(k	PROPN
fsr-3191	130	42	)	)	PUNCT
fsr-3191	130	43	participants	participant	NOUN
fsr-3191	130	44	.	.	PUNCT
fsr-3191	131	1	ira	ira	PROPN
fsr-3191	131	2	participants	participant	NOUN
fsr-3191	131	3	can	can	AUX
fsr-3191	131	4	also	also	ADV
fsr-3191	131	5	avail	avail	VERB
fsr-3191	131	6	themselves	themselves	PRON
fsr-3191	131	7	of	of	ADP
fsr-3191	131	8	other	other	ADJ
fsr-3191	131	9	advice	advice	NOUN
fsr-3191	131	10	strategies	strategy	NOUN
fsr-3191	131	11	to	to	PART
fsr-3191	131	12	help	help	VERB
fsr-3191	131	13	them	they	PRON
fsr-3191	131	14	make	make	VERB
fsr-3191	131	15	their	their	PRON
fsr-3191	131	16	investment	investment	NOUN
fsr-3191	131	17	choices	choice	NOUN
fsr-3191	131	18	.	.	PUNCT
fsr-3191	132	1	for	for	ADP
fsr-3191	132	2	instance	instance	NOUN
fsr-3191	132	3	,	,	PUNCT
fsr-3191	132	4	they	they	PRON
fsr-3191	132	5	can	can	AUX
fsr-3191	132	6	choose	choose	VERB
fsr-3191	132	7	a	a	DET
fsr-3191	132	8	do	do	AUX
fsr-3191	132	9	-	-	PUNCT
fsr-3191	132	10	it	it	PRON
fsr-3191	132	11	-	-	PUNCT
fsr-3191	132	12	yourself	yourself	PRON
fsr-3191	132	13	(	(	PUNCT
fsr-3191	132	14	diy	diy	NOUN
fsr-3191	132	15	)	)	PUNCT
fsr-3191	132	16	approach	approach	NOUN
fsr-3191	132	17	,	,	PUNCT
fsr-3191	132	18	going	go	VERB
fsr-3191	132	19	completely	completely	ADV
fsr-3191	132	20	on	on	ADP
fsr-3191	132	21	their	their	PRON
fsr-3191	132	22	own	own	ADJ
fsr-3191	132	23	when	when	SCONJ
fsr-3191	132	24	selecting	select	VERB
fsr-3191	132	25	an	an	DET
fsr-3191	132	26	ira	ira	PROPN
fsr-3191	132	27	provider	provider	NOUN
fsr-3191	132	28	,	,	PUNCT
fsr-3191	132	29	and	and	CCONJ
fsr-3191	132	30	then	then	ADV
fsr-3191	132	31	selecting	select	VERB
fsr-3191	132	32	from	from	ADP
fsr-3191	132	33	among	among	ADP
fsr-3191	132	34	the	the	DET
fsr-3191	132	35	investment	investment	NOUN
fsr-3191	132	36	funds	fund	NOUN
fsr-3191	132	37	available	available	ADJ
fsr-3191	132	38	.	.	PUNCT
fsr-3191	133	1	to	to	PART
fsr-3191	133	2	construct	construct	VERB
fsr-3191	133	3	a	a	DET
fsr-3191	133	4	very	very	ADV
fsr-3191	133	5	low	low	ADJ
fsr-3191	133	6	-	-	PUNCT
fsr-3191	133	7	cost	cost	NOUN
fsr-3191	133	8	portfolio	portfolio	NOUN
fsr-3191	133	9	,	,	PUNCT
fsr-3191	133	10	a	a	DET
fsr-3191	133	11	financially	financially	ADV
fsr-3191	133	12	sophisticated	sophisticated	ADJ
fsr-3191	133	13	participant	participant	NOUN
fsr-3191	133	14	could	could	AUX
fsr-3191	133	15	take	take	VERB
fsr-3191	133	16	advantage	advantage	NOUN
fsr-3191	133	17	of	of	ADP
fsr-3191	133	18	the	the	DET
fsr-3191	133	19	quite	quite	ADV
fsr-3191	133	20	inexpensive	inexpensive	ADJ
fsr-3191	133	21	index	index	NOUN
fsr-3191	133	22	funds	fund	NOUN
fsr-3191	133	23	available	available	ADJ
fsr-3191	133	24	on	on	ADP
fsr-3191	133	25	many	many	ADJ
fsr-3191	133	26	ira	ira	PROPN
fsr-3191	133	27	platforms	platform	NOUN
fsr-3191	133	28	:	:	PUNCT
fsr-3191	133	29	for	for	ADP
fsr-3191	133	30	instance	instance	NOUN
fsr-3191	133	31	,	,	PUNCT
fsr-3191	133	32	s&p	s&p	PROPN
fsr-3191	133	33	500	500	NUM
fsr-3191	133	34	index	index	NOUN
fsr-3191	133	35	funds	fund	NOUN
fsr-3191	133	36	have	have	VERB
fsr-3191	133	37	fees	fee	NOUN
fsr-3191	133	38	starting	start	VERB
fsr-3191	133	39	below	below	ADP
fsr-3191	133	40	2	2	NUM
fsr-3191	133	41	bps	bps	NOUN
fsr-3191	133	42	,	,	PUNCT
fsr-3191	133	43	and	and	CCONJ
fsr-3191	133	44	passive	passive	ADJ
fsr-3191	133	45	target	target	NOUN
fsr-3191	133	46	date	date	NOUN
fsr-3191	133	47	funds	fund	NOUN
fsr-3191	133	48	are	be	AUX
fsr-3191	133	49	available	available	ADJ
fsr-3191	133	50	starting	start	VERB
fsr-3191	133	51	at	at	ADP
fsr-3191	133	52	8	8	NUM
fsr-3191	133	53	bps	bps	NOUN
fsr-3191	133	54	(	(	PUNCT
fsr-3191	133	55	dehaan	dehaan	PROPN
fsr-3191	133	56	et	et	PROPN
fsr-3191	133	57	al	al	PROPN
fsr-3191	133	58	.	.	PROPN
fsr-3191	133	59	,	,	PUNCT
fsr-3191	133	60	2021	2021	NUM
fsr-3191	133	61	;	;	PUNCT
fsr-3191	133	62	vanguard	vanguard	NOUN
fsr-3191	133	63	,	,	PUNCT
fsr-3191	133	64	2022	2022	NUM
fsr-3191	133	65	)	)	PUNCT
fsr-3191	133	66	.	.	PUNCT
fsr-3191	134	1	nonetheless	nonetheless	ADV
fsr-3191	134	2	,	,	PUNCT
fsr-3191	134	3	financially	financially	ADV
fsr-3191	134	4	illiterate	illiterate	ADJ
fsr-3191	134	5	participants	participant	NOUN
fsr-3191	134	6	could	could	AUX
fsr-3191	134	7	be	be	AUX
fsr-3191	134	8	less	less	ADV
fsr-3191	134	9	likely	likely	ADJ
fsr-3191	134	10	to	to	PART
fsr-3191	134	11	find	find	VERB
fsr-3191	134	12	these	these	DET
fsr-3191	134	13	products	product	NOUN
fsr-3191	134	14	and	and	CCONJ
fsr-3191	134	15	hence	hence	ADV
fsr-3191	134	16	be	be	AUX
fsr-3191	134	17	prone	prone	ADJ
fsr-3191	134	18	to	to	ADP
fsr-3191	134	19	making	make	VERB
fsr-3191	134	20	suboptimal	suboptimal	ADJ
fsr-3191	134	21	decisions	decision	NOUN
fsr-3191	134	22	.	.	PUNCT
fsr-3191	135	1	ira	ira	PROPN
fsr-3191	135	2	investors	investor	NOUN
fsr-3191	135	3	can	can	AUX
fsr-3191	135	4	also	also	ADV
fsr-3191	135	5	choose	choose	VERB
fsr-3191	135	6	to	to	PART
fsr-3191	135	7	pay	pay	VERB
fsr-3191	135	8	separately	separately	ADV
fsr-3191	135	9	for	for	ADP
fsr-3191	135	10	advice	advice	NOUN
fsr-3191	135	11	,	,	PUNCT
fsr-3191	135	12	for	for	ADP
fsr-3191	135	13	instance	instance	NOUN
fsr-3191	135	14	by	by	ADP
fsr-3191	135	15	hiring	hire	VERB
fsr-3191	135	16	an	an	DET
fsr-3191	135	17	independent	independent	ADJ
fsr-3191	135	18	financial	financial	ADJ
fsr-3191	135	19	advisor	advisor	NOUN
fsr-3191	135	20	;	;	PUNCT
fsr-3191	135	21	nevertheless	nevertheless	ADV
fsr-3191	135	22	,	,	PUNCT
fsr-3191	135	23	for	for	ADP
fsr-3191	135	24	people	people	NOUN
fsr-3191	135	25	with	with	ADP
fsr-3191	135	26	low	low	ADJ
fsr-3191	135	27	account	account	NOUN
fsr-3191	135	28	balances	balance	NOUN
fsr-3191	135	29	,	,	PUNCT
fsr-3191	135	30	this	this	DET
fsr-3191	135	31	option	option	NOUN
fsr-3191	135	32	is	be	AUX
fsr-3191	135	33	unlikely	unlikely	ADJ
fsr-3191	135	34	to	to	PART
fsr-3191	135	35	be	be	AUX
fsr-3191	135	36	available	available	ADJ
fsr-3191	135	37	.	.	PUNCT
fsr-3191	136	1	an	an	DET
fsr-3191	136	2	alternative	alternative	NOUN
fsr-3191	136	3	would	would	AUX
fsr-3191	136	4	be	be	AUX
fsr-3191	136	5	to	to	PART
fsr-3191	136	6	access	access	VERB
fsr-3191	136	7	a	a	DET
fsr-3191	136	8	robo	robo	NOUN
fsr-3191	136	9	-	-	PUNCT
fsr-3191	136	10	advisor	advisor	NOUN
fsr-3191	136	11	,	,	PUNCT
fsr-3191	136	12	a	a	DET
fsr-3191	136	13	relatively	relatively	ADV
fsr-3191	136	14	inexpensive	inexpensive	ADJ
fsr-3191	136	15	advice	advice	NOUN
fsr-3191	136	16	option	option	NOUN
fsr-3191	136	17	that	that	PRON
fsr-3191	136	18	is	be	AUX
fsr-3191	136	19	also	also	ADV
fsr-3191	136	20	available	available	ADJ
fsr-3191	136	21	to	to	ADP
fsr-3191	136	22	individuals	individual	NOUN
fsr-3191	136	23	with	with	ADP
fsr-3191	136	24	low	low	ADJ
fsr-3191	136	25	account	account	NOUN
fsr-3191	136	26	balances	balance	NOUN
fsr-3191	136	27	.	.	PUNCT
fsr-3191	137	1	still	still	ADV
fsr-3191	137	2	another	another	DET
fsr-3191	137	3	option	option	NOUN
fsr-3191	137	4	is	be	AUX
fsr-3191	137	5	that	that	SCONJ
fsr-3191	137	6	ira	ira	PROPN
fsr-3191	137	7	holders	holder	NOUN
fsr-3191	137	8	can	can	AUX
fsr-3191	137	9	choose	choose	VERB
fsr-3191	137	10	a	a	DET
fsr-3191	137	11	hybrid	hybrid	ADJ
fsr-3191	137	12	approach	approach	NOUN
fsr-3191	137	13	,	,	PUNCT
fsr-3191	137	14	where	where	SCONJ
fsr-3191	137	15	a	a	DET
fsr-3191	137	16	robo	robo	NOUN
fsr-3191	137	17	-	-	PUNCT
fsr-3191	137	18	advisor	advisor	NOUN
fsr-3191	137	19	also	also	ADV
fsr-3191	137	20	offers	offer	VERB
fsr-3191	137	21	some	some	DET
fsr-3191	137	22	contact	contact	NOUN
fsr-3191	137	23	with	with	ADP
fsr-3191	137	24	a	a	DET
fsr-3191	137	25	human	human	ADJ
fsr-3191	137	26	advisor	advisor	NOUN
fsr-3191	137	27	.	.	PUNCT
fsr-3191	138	1	such	such	ADJ
fsr-3191	138	2	hybrid	hybrid	ADJ
fsr-3191	138	3	services	service	NOUN
fsr-3191	138	4	tend	tend	VERB
fsr-3191	138	5	to	to	PART
fsr-3191	138	6	be	be	AUX
fsr-3191	138	7	intermediate	intermediate	ADJ
fsr-3191	138	8	in	in	ADP
fsr-3191	138	9	cost	cost	NOUN
fsr-3191	138	10	between	between	ADP
fsr-3191	138	11	pure	pure	ADJ
fsr-3191	138	12	roboand	roboand	NOUN
fsr-3191	138	13	human	human	ADJ
fsr-3191	138	14	advisors.5	advisors.5	PROPN
fsr-3191	138	15	if	if	SCONJ
fsr-3191	138	16	retirement	retirement	NOUN
fsr-3191	138	17	savers	saver	NOUN
fsr-3191	138	18	roll	roll	VERB
fsr-3191	138	19	assets	asset	NOUN
fsr-3191	138	20	over	over	ADP
fsr-3191	138	21	from	from	ADP
fsr-3191	138	22	401(k	401(k	NOUN
fsr-3191	138	23	)	)	PUNCT
fsr-3191	138	24	plans	plan	NOUN
fsr-3191	138	25	where	where	SCONJ
fsr-3191	138	26	they	they	PRON
fsr-3191	138	27	did	do	AUX
fsr-3191	138	28	not	not	PART
fsr-3191	138	29	need	need	VERB
fsr-3191	138	30	advice	advice	NOUN
fsr-3191	138	31	or	or	CCONJ
fsr-3191	138	32	were	be	AUX
fsr-3191	138	33	able	able	ADJ
fsr-3191	138	34	to	to	PART
fsr-3191	138	35	access	access	VERB
fsr-3191	138	36	advice	advice	NOUN
fsr-3191	138	37	through	through	ADP
fsr-3191	138	38	managed	manage	VERB
fsr-3191	138	39	account	account	NOUN
fsr-3191	138	40	services	service	NOUN
fsr-3191	138	41	,	,	PUNCT
fsr-3191	138	42	to	to	ADP
fsr-3191	138	43	iras	ira	NOUN
fsr-3191	138	44	,	,	PUNCT
fsr-3191	138	45	where	where	SCONJ
fsr-3191	138	46	they	they	PRON
fsr-3191	138	47	do	do	AUX
fsr-3191	138	48	require	require	VERB
fsr-3191	138	49	advice	advice	NOUN
fsr-3191	138	50	concerning	concern	VERB
fsr-3191	138	51	choice	choice	NOUN
fsr-3191	138	52	of	of	ADP
fsr-3191	138	53	provider	provider	NOUN
fsr-3191	138	54	and/or	and/or	CCONJ
fsr-3191	138	55	investments	investment	NOUN
fsr-3191	138	56	,	,	PUNCT
fsr-3191	138	57	the	the	DET
fsr-3191	138	58	cost	cost	NOUN
fsr-3191	138	59	difference	difference	NOUN
fsr-3191	138	60	can	can	AUX
fsr-3191	138	61	be	be	AUX
fsr-3191	138	62	substantial	substantial	ADJ
fsr-3191	138	63	,	,	PUNCT
fsr-3191	138	64	particularly	particularly	ADV
fsr-3191	138	65	if	if	SCONJ
fsr-3191	138	66	the	the	DET
fsr-3191	138	67	starting	starting	NOUN
fsr-3191	138	68	point	point	NOUN
fsr-3191	138	69	is	be	AUX
fsr-3191	138	70	a	a	DET
fsr-3191	138	71	low	low	ADJ
fsr-3191	138	72	-	-	PUNCT
fsr-3191	138	73	cost	cost	NOUN
fsr-3191	138	74	,	,	PUNCT
fsr-3191	138	75	large	large	ADJ
fsr-3191	138	76	employer	employer	NOUN
fsr-3191	138	77	plan	plan	NOUN
fsr-3191	138	78	(	(	PUNCT
fsr-3191	138	79	see	see	VERB
fsr-3191	138	80	table	table	NOUN
fsr-3191	138	81	4	4	NUM
fsr-3191	138	82	)	)	PUNCT
fsr-3191	138	83	.	.	PUNCT
fsr-3191	139	1	robo	robo	NOUN
fsr-3191	139	2	-	-	PUNCT
fsr-3191	139	3	advisors	advisor	NOUN
fsr-3191	139	4	in	in	ADP
fsr-3191	139	5	the	the	DET
fsr-3191	139	6	united	united	PROPN
fsr-3191	139	7	states	states	PROPN
fsr-3191	139	8	generally	generally	ADV
fsr-3191	139	9	charge	charge	VERB
fsr-3191	139	10	an	an	DET
fsr-3191	139	11	annual	annual	ADJ
fsr-3191	139	12	advice	advice	NOUN
fsr-3191	139	13	fee	fee	NOUN
fsr-3191	139	14	of	of	ADP
fsr-3191	139	15	around	around	ADV
fsr-3191	139	16	25	25	NUM
fsr-3191	139	17	bps	bps	NOUN
fsr-3191	139	18	,	,	PUNCT
fsr-3191	139	19	in	in	ADP
fsr-3191	139	20	addition	addition	NOUN
fsr-3191	139	21	to	to	ADP
fsr-3191	139	22	the	the	DET
fsr-3191	139	23	cost	cost	NOUN
fsr-3191	139	24	of	of	ADP
fsr-3191	139	25	the	the	DET
fsr-3191	139	26	underlying	underlie	VERB
fsr-3191	139	27	investment	investment	NOUN
fsr-3191	139	28	options	option	NOUN
fsr-3191	139	29	.	.	PUNCT
fsr-3191	140	1	these	these	PRON
fsr-3191	140	2	often	often	ADV
fsr-3191	140	3	require	require	VERB
fsr-3191	140	4	no	no	PRON
fsr-3191	140	5	or	or	CCONJ
fsr-3191	140	6	very	very	ADV
fsr-3191	140	7	low	low	ADJ
fsr-3191	140	8	minimum	minimum	NOUN
fsr-3191	140	9	account	account	NOUN
fsr-3191	140	10	balances	balance	NOUN
fsr-3191	140	11	(	(	PUNCT
fsr-3191	140	12	fisch	fisch	PROPN
fsr-3191	140	13	et	et	PROPN
fsr-3191	140	14	al	al	PROPN
fsr-3191	140	15	.	.	PROPN
fsr-3191	140	16	,	,	PUNCT
fsr-3191	140	17	2019	2019	NUM
fsr-3191	140	18	)	)	PUNCT
fsr-3191	140	19	.	.	PUNCT
fsr-3191	141	1	accordingly	accordingly	ADV
fsr-3191	141	2	,	,	PUNCT
fsr-3191	141	3	robo	robo	NOUN
fsr-3191	141	4	-	-	PUNCT
fsr-3191	141	5	advisors	advisor	NOUN
fsr-3191	141	6	can	can	AUX
fsr-3191	141	7	suit	suit	VERB
fsr-3191	141	8	clients	client	NOUN
fsr-3191	141	9	who	who	PRON
fsr-3191	141	10	otherwise	otherwise	ADV
fsr-3191	141	11	might	might	AUX
fsr-3191	141	12	not	not	PART
fsr-3191	141	13	have	have	VERB
fsr-3191	141	14	access	access	NOUN
fsr-3191	141	15	to	to	ADP
fsr-3191	141	16	affordable	affordable	ADJ
fsr-3191	141	17	financial	financial	ADJ
fsr-3191	141	18	advice	advice	NOUN
fsr-3191	141	19	.	.	PUNCT
fsr-3191	142	1	some	some	DET
fsr-3191	142	2	robo	robo	NOUN
fsr-3191	142	3	-	-	PUNCT
fsr-3191	142	4	advisors	advisor	NOUN
fsr-3191	142	5	provided	provide	VERB
fsr-3191	142	6	by	by	ADP
fsr-3191	142	7	mutual	mutual	ADJ
fsr-3191	142	8	fund	fund	NOUN
fsr-3191	142	9	companies	company	NOUN
fsr-3191	142	10	may	may	AUX
fsr-3191	142	11	not	not	PART
fsr-3191	142	12	even	even	ADV
fsr-3191	142	13	charge	charge	VERB
fsr-3191	142	14	separately	separately	ADV
fsr-3191	142	15	for	for	ADP
fsr-3191	142	16	advice	advice	NOUN
fsr-3191	142	17	,	,	PUNCT
fsr-3191	142	18	though	though	ADV
fsr-3191	142	19	,	,	PUNCT
fsr-3191	142	20	in	in	ADP
fsr-3191	142	21	turn	turn	NOUN
fsr-3191	142	22	,	,	PUNCT
fsr-3191	142	23	they	they	PRON
fsr-3191	142	24	limit	limit	VERB
fsr-3191	142	25	investment	investment	NOUN
fsr-3191	142	26	choices	choice	NOUN
fsr-3191	142	27	to	to	ADP
fsr-3191	142	28	the	the	DET
fsr-3191	142	29	fund	fund	NOUN
fsr-3191	142	30	options	option	NOUN
fsr-3191	142	31	offered	offer	VERB
fsr-3191	142	32	by	by	ADP
fsr-3191	142	33	the	the	DET
fsr-3191	142	34	parent	parent	NOUN
fsr-3191	142	35	companies	company	NOUN
fsr-3191	142	36	.	.	PUNCT
fsr-3191	143	1	in	in	ADP
fsr-3191	143	2	addition	addition	NOUN
fsr-3191	143	3	to	to	ADP
fsr-3191	143	4	pure	pure	ADJ
fsr-3191	143	5	robo	robo	NOUN
fsr-3191	143	6	-	-	PUNCT
fsr-3191	143	7	advisors	advisor	NOUN
fsr-3191	143	8	,	,	PUNCT
fsr-3191	143	9	many	many	ADJ
fsr-3191	143	10	companies	company	NOUN
fsr-3191	143	11	have	have	AUX
fsr-3191	143	12	launched	launch	VERB
fsr-3191	143	13	hybrid	hybrid	ADJ
fsr-3191	143	14	advice	advice	NOUN
fsr-3191	143	15	options	option	NOUN
fsr-3191	143	16	.	.	PUNCT
fsr-3191	144	1	these	these	PRON
fsr-3191	144	2	combine	combine	VERB
fsr-3191	144	3	digital	digital	ADJ
fsr-3191	144	4	advice	advice	NOUN
fsr-3191	144	5	and	and	CCONJ
fsr-3191	144	6	algorithmic	algorithmic	ADJ
fsr-3191	144	7	portfolio	portfolio	NOUN
fsr-3191	144	8	construction	construction	NOUN
fsr-3191	144	9	with	with	ADP
fsr-3191	144	10	some	some	DET
fsr-3191	144	11	access	access	NOUN
fsr-3191	144	12	to	to	ADP
fsr-3191	144	13	a	a	DET
fsr-3191	144	14	human	human	ADJ
fsr-3191	144	15	advisor	advisor	NOUN
fsr-3191	144	16	,	,	PUNCT
fsr-3191	144	17	often	often	ADV
fsr-3191	144	18	in	in	ADP
fsr-3191	144	19	the	the	DET
fsr-3191	144	20	form	form	NOUN
fsr-3191	144	21	of	of	ADP
fsr-3191	144	22	financial	financial	ADJ
fsr-3191	144	23	planning	planning	NOUN
fsr-3191	144	24	services	service	NOUN
fsr-3191	144	25	offered	offer	VERB
fsr-3191	144	26	via	via	ADP
fsr-3191	144	27	a	a	DET
fsr-3191	144	28	certified	certify	VERB
fsr-3191	144	29	financial	financial	ADJ
fsr-3191	144	30	planner	planner	NOUN
fsr-3191	144	31	(	(	PUNCT
fsr-3191	144	32	cfp	cfp	PROPN
fsr-3191	144	33	)	)	PUNCT
fsr-3191	144	34	.	.	PUNCT
fsr-3191	145	1	hybrid	hybrid	ADJ
fsr-3191	145	2	advisors	advisor	NOUN
fsr-3191	145	3	usually	usually	ADV
fsr-3191	145	4	require	require	VERB
fsr-3191	145	5	higher	high	ADJ
fsr-3191	145	6	minimum	minimum	NOUN
fsr-3191	145	7	account	account	NOUN
fsr-3191	145	8	balances	balance	NOUN
fsr-3191	145	9	of	of	ADP
fsr-3191	145	10	8	8	NUM
fsr-3191	145	11	o.	o.	PROPN
fsr-3191	145	12	s.	s.	PROPN
fsr-3191	145	13	mitchell	mitchell	PROPN
fsr-3191	145	14	et	et	PROPN
fsr-3191	145	15	al	al	PROPN
fsr-3191	145	16	.	.	PUNCT
fsr-3191	145	17	/	/	SYM
fsr-3191	145	18	financial	financial	ADJ
fsr-3191	145	19	services	service	NOUN
fsr-3191	145	20	review	review	VERB
fsr-3191	145	21	31	31	NUM
fsr-3191	145	22	(	(	PUNCT
fsr-3191	145	23	2023	2023	NUM
fsr-3191	145	24	)	)	PUNCT
fsr-3191	145	25	1–21	1–21	PROPN
fsr-3191	145	26	t	t	PROPN
fsr-3191	145	27	ab	ab	X
fsr-3191	145	28	le	le	PROPN
fsr-3191	145	29	4	4	NUM
fsr-3191	145	30	c	c	NOUN
fsr-3191	145	31	o	o	PROPN
fsr-3191	145	32	st	st	PROPN
fsr-3191	145	33	co	co	PROPN
fsr-3191	145	34	m	m	PROPN
fsr-3191	145	35	p	p	PROPN
fsr-3191	145	36	ar	ar	PROPN
fsr-3191	145	37	is	be	AUX
fsr-3191	145	38	o	o	PROPN
fsr-3191	145	39	n	n	NOUN
fsr-3191	145	40	s	s	NOUN
fsr-3191	146	1	fo	fo	INTJ
fsr-3191	146	2	r	r	NOUN
fsr-3191	146	3	d	d	NOUN
fsr-3191	146	4	if	if	SCONJ
fsr-3191	146	5	fe	fe	X
fsr-3191	146	6	re	re	X
fsr-3191	146	7	n	n	PROPN
fsr-3191	146	8	t	t	NOUN
fsr-3191	146	9	ty	ty	INTJ
fsr-3191	147	1	p	p	X
fsr-3191	147	2	es	es	ADP
fsr-3191	147	3	o	o	PROPN
fsr-3191	147	4	f	f	X
fsr-3191	147	5	ad	ad	NOUN
fsr-3191	147	6	v	v	X
fsr-3191	147	7	ic	ic	PROPN
fsr-3191	147	8	e	e	PROPN
fsr-3191	147	9	4	4	NUM
fsr-3191	147	10	0	0	NUM
fsr-3191	147	11	1	1	NUM
fsr-3191	147	12	(	(	PUNCT
fsr-3191	147	13	k	k	NOUN
fsr-3191	147	14	):	):	PUNCT
fsr-3191	147	15	m	m	VERB
fsr-3191	147	16	an	an	DET
fsr-3191	147	17	ag	ag	PROPN
fsr-3191	147	18	ed	ed	PROPN
fsr-3191	147	19	ac	ac	PROPN
fsr-3191	147	20	co	co	PROPN
fsr-3191	147	21	u	u	PROPN
fsr-3191	147	22	n	n	PROPN
fsr-3191	147	23	ta	ta	X
fsr-3191	147	24	ir	ir	PROPN
fsr-3191	147	25	a	a	PRON
fsr-3191	147	26	:	:	PUNCT
fsr-3191	147	27	r	r	NOUN
fsr-3191	147	28	o	o	X
fsr-3191	147	29	b	b	X
fsr-3191	147	30	o	o	X
fsr-3191	147	31	-a	-a	PROPN
fsr-3191	147	32	d	d	NOUN
fsr-3191	147	33	v	v	PROPN
fsr-3191	147	34	is	be	AUX
fsr-3191	147	35	o	o	NOUN
fsr-3191	147	36	rb	rb	X
fsr-3191	147	37	ir	ir	PROPN
fsr-3191	147	38	a	a	X
fsr-3191	147	39	:	:	PUNCT
fsr-3191	147	40	h	h	PROPN
fsr-3191	148	1	y	y	PROPN
fsr-3191	148	2	b	b	PROPN
fsr-3191	148	3	ri	ri	PROPN
fsr-3191	148	4	d	d	X
fsr-3191	148	5	ad	ad	NOUN
fsr-3191	148	6	v	v	NOUN
fsr-3191	148	7	is	be	AUX
fsr-3191	148	8	o	o	PROPN
fsr-3191	148	9	rc	rc	PROPN
fsr-3191	148	10	ir	ir	PROPN
fsr-3191	148	11	a	a	PRON
fsr-3191	148	12	:	:	PUNCT
fsr-3191	148	13	h	h	NOUN
fsr-3191	148	14	u	u	NOUN
fsr-3191	148	15	m	m	VERB
fsr-3191	148	16	an	an	DET
fsr-3191	148	17	ad	ad	NOUN
fsr-3191	148	18	v	v	NOUN
fsr-3191	148	19	is	be	AUX
fsr-3191	148	20	o	o	NOUN
fsr-3191	148	21	r	r	NOUN
fsr-3191	148	22	a	a	PRON
fsr-3191	148	23	d	d	X
fsr-3191	148	24	v	v	NOUN
fsr-3191	149	1	ic	ic	PROPN
fsr-3191	149	2	e	e	X
fsr-3191	149	3	fe	fe	X
fsr-3191	149	4	e	e	X
fsr-3191	149	5	2	2	NUM
fsr-3191	149	6	0	0	NUM
fsr-3191	149	7	–	–	PUNCT
fsr-3191	149	8	2	2	NUM
fsr-3191	149	9	5	5	NUM
fsr-3191	149	10	b	b	NOUN
fsr-3191	149	11	p	p	NOUN
fsr-3191	149	12	s	s	PROPN
fsr-3191	149	13	1	1	NUM
fsr-3191	149	14	5	5	NUM
fsr-3191	149	15	–	–	PUNCT
fsr-3191	149	16	2	2	NUM
fsr-3191	149	17	5	5	NUM
fsr-3191	149	18	b	b	NOUN
fsr-3191	149	19	p	p	X
fsr-3191	149	20	s	s	PROPN
fsr-3191	149	21	3	3	NUM
fsr-3191	149	22	0	0	NUM
fsr-3191	149	23	–	–	PUNCT
fsr-3191	149	24	4	4	NUM
fsr-3191	149	25	0	0	NUM
fsr-3191	149	26	b	b	NOUN
fsr-3191	149	27	p	p	NOUN
fsr-3191	149	28	s	s	X
fsr-3191	149	29	;	;	PUNCT
fsr-3191	149	30	1	1	NUM
fsr-3191	149	31	0	0	NUM
fsr-3191	149	32	0	0	NUM
fsr-3191	150	1	b	b	X
fsr-3191	150	2	p	p	X
fsr-3191	150	3	s	s	PROPN
fsr-3191	150	4	a	a	DET
fsr-3191	150	5	ss	ss	NOUN
fsr-3191	150	6	et	et	NOUN
fsr-3191	150	7	m	m	VERB
fsr-3191	150	8	in	in	ADP
fsr-3191	150	9	i	i	PRON
fsr-3191	150	10	m	m	VERB
fsr-3191	150	11	u	u	NOUN
fsr-3191	150	12	m	m	VERB
fsr-3191	150	13	$	$	SYM
fsr-3191	150	14	5	5	NUM
fsr-3191	150	15	,	,	PUNCT
fsr-3191	150	16	0	0	NUM
fsr-3191	150	17	0	0	NUM
fsr-3191	150	18	0	0	NUM
fsr-3191	150	19	–	–	PUNCT
fsr-3191	150	20	$	$	SYM
fsr-3191	150	21	2	2	NUM
fsr-3191	150	22	5	5	NUM
fsr-3191	150	23	,	,	PUNCT
fsr-3191	150	24	0	0	NUM
fsr-3191	150	25	0	0	NUM
fsr-3191	150	26	0	0	NUM
fsr-3191	150	27	$	$	SYM
fsr-3191	150	28	0	0	NUM
fsr-3191	150	29	–	–	PUNCT
fsr-3191	150	30	$	$	SYM
fsr-3191	150	31	3	3	NUM
fsr-3191	150	32	,	,	PUNCT
fsr-3191	150	33	0	0	NUM
fsr-3191	150	34	0	0	NUM
fsr-3191	150	35	0	0	NUM
fsr-3191	150	36	$	$	SYM
fsr-3191	150	37	5	5	NUM
fsr-3191	150	38	0	0	NUM
fsr-3191	150	39	,	,	PUNCT
fsr-3191	150	40	0	0	NUM
fsr-3191	150	41	0	0	NUM
fsr-3191	150	42	0	0	NUM
fsr-3191	150	43	–	–	PUNCT
fsr-3191	150	44	$	$	SYM
fsr-3191	150	45	1	1	NUM
fsr-3191	150	46	0	0	NUM
fsr-3191	150	47	0	0	NUM
fsr-3191	150	48	,	,	PUNCT
fsr-3191	150	49	0	0	NUM
fsr-3191	150	50	0	0	NUM
fsr-3191	150	51	0	0	NUM
fsr-3191	151	1	u	u	NOUN
fsr-3191	151	2	su	su	PROPN
fsr-3191	151	3	al	al	PROPN
fsr-3191	151	4	ly	ly	X
fsr-3191	151	5	at	at	ADP
fsr-3191	151	6	le	le	X
fsr-3191	151	7	as	as	ADP
fsr-3191	151	8	t	t	PROPN
fsr-3191	151	9	$	$	SYM
fsr-3191	151	10	1	1	NUM
fsr-3191	151	11	0	0	NUM
fsr-3191	151	12	0	0	NUM
fsr-3191	151	13	,	,	PUNCT
fsr-3191	151	14	0	0	NUM
fsr-3191	151	15	0	0	NUM
fsr-3191	151	16	0	0	NUM
fsr-3191	151	17	in	in	ADP
fsr-3191	151	18	v	v	NOUN
fsr-3191	151	19	es	es	ADP
fsr-3191	151	20	tm	tm	PROPN
fsr-3191	151	21	en	en	PROPN
fsr-3191	151	22	t	t	PROPN
fsr-3191	151	23	fe	fe	X
fsr-3191	151	24	e	e	X
fsr-3191	151	25	s	s	X
fsr-3191	151	26	am	be	AUX
fsr-3191	151	27	e	e	NOUN
fsr-3191	151	28	co	co	NOUN
fsr-3191	151	29	st	st	PROPN
fsr-3191	151	30	as	as	ADP
fsr-3191	151	31	em	em	PRON
fsr-3191	151	32	p	p	PROPN
fsr-3191	152	1	lo	lo	NOUN
fsr-3191	153	1	y	y	PROPN
fsr-3191	154	1	er	er	INTJ
fsr-3191	154	2	p	p	X
fsr-3191	154	3	la	la	PROPN
fsr-3191	154	4	n	n	X
fsr-3191	154	5	in	in	ADP
fsr-3191	154	6	v	v	NOUN
fsr-3191	154	7	es	es	ADP
fsr-3191	154	8	tm	tm	PROPN
fsr-3191	154	9	en	en	ADP
fsr-3191	154	10	t	t	NOUN
fsr-3191	154	11	o	o	NOUN
fsr-3191	155	1	p	p	X
fsr-3191	155	2	ti	ti	X
fsr-3191	155	3	o	o	NOUN
fsr-3191	155	4	n	n	PROPN
fsr-3191	155	5	s	s	PROPN
fsr-3191	155	6	t	t	X
fsr-3191	155	7	y	y	PROPN
fsr-3191	155	8	p	p	X
fsr-3191	155	9	ic	ic	PROPN
fsr-3191	155	10	al	al	PROPN
fsr-3191	155	11	ly	ly	PROPN
fsr-3191	155	12	u	u	PROPN
fsr-3191	155	13	se	se	PROPN
fsr-3191	155	14	s	s	PROPN
fsr-3191	155	15	p	p	NOUN
fsr-3191	155	16	as	as	ADP
fsr-3191	155	17	si	si	PROPN
fsr-3191	155	18	v	v	ADP
fsr-3191	155	19	e	e	PROPN
fsr-3191	155	20	in	in	ADP
fsr-3191	155	21	v	v	NUM
fsr-3191	155	22	es	es	ADP
fsr-3191	155	23	tm	tm	NOUN
fsr-3191	155	24	en	en	ADP
fsr-3191	155	25	ts	ts	X
fsr-3191	155	26	as	as	ADP
fsr-3191	155	27	b	b	PROPN
fsr-3191	155	28	u	u	NOUN
fsr-3191	155	29	il	il	PROPN
fsr-3191	155	30	d	d	PROPN
fsr-3191	155	31	in	in	ADP
fsr-3191	155	32	g	g	PROPN
fsr-3191	155	33	b	b	PROPN
fsr-3191	155	34	lo	lo	PROPN
fsr-3191	155	35	ck	ck	PROPN
fsr-3191	155	36	s	s	PROPN
fsr-3191	155	37	,	,	PUNCT
fsr-3191	155	38	ar	ar	NOUN
fsr-3191	155	39	o	o	PROPN
fsr-3191	155	40	u	u	PROPN
fsr-3191	155	41	n	n	PROPN
fsr-3191	155	42	d	d	PROPN
fsr-3191	155	43	1	1	NUM
fsr-3191	155	44	0	0	NUM
fsr-3191	155	45	b	b	PROPN
fsr-3191	155	46	p	p	X
fsr-3191	155	47	s	s	PROPN
fsr-3191	155	48	t	t	X
fsr-3191	155	49	y	y	PROPN
fsr-3191	155	50	p	p	X
fsr-3191	155	51	ic	ic	PROPN
fsr-3191	155	52	al	al	PROPN
fsr-3191	155	53	ly	ly	PROPN
fsr-3191	155	54	u	u	PROPN
fsr-3191	155	55	se	se	PROPN
fsr-3191	155	56	s	s	PROPN
fsr-3191	155	57	p	p	NOUN
fsr-3191	155	58	as	as	ADP
fsr-3191	155	59	si	si	PROPN
fsr-3191	155	60	v	v	ADP
fsr-3191	155	61	e	e	PROPN
fsr-3191	155	62	in	in	ADP
fsr-3191	155	63	v	v	NUM
fsr-3191	155	64	es	es	ADP
fsr-3191	155	65	tm	tm	NOUN
fsr-3191	155	66	en	en	ADP
fsr-3191	155	67	ts	ts	X
fsr-3191	155	68	,	,	PUNCT
fsr-3191	155	69	ar	ar	NOUN
fsr-3191	155	70	o	o	PROPN
fsr-3191	155	71	u	u	PROPN
fsr-3191	155	72	n	n	PROPN
fsr-3191	155	73	d	d	PROPN
fsr-3191	155	74	1	1	NUM
fsr-3191	155	75	0	0	NUM
fsr-3191	155	76	b	b	NOUN
fsr-3191	155	77	p	p	X
fsr-3191	155	78	s	s	X
fsr-3191	155	79	in	in	ADP
fsr-3191	155	80	v	v	NOUN
fsr-3191	155	81	es	es	ADP
fsr-3191	155	82	tm	tm	NOUN
fsr-3191	155	83	en	en	X
fsr-3191	155	84	ts	ts	X
fsr-3191	155	85	se	se	PROPN
fsr-3191	155	86	le	le	X
fsr-3191	156	1	ct	ct	PROPN
fsr-3191	157	1	ed	ed	PROPN
fsr-3191	157	2	b	b	PROPN
fsr-3191	157	3	y	y	PROPN
fsr-3191	157	4	ad	ad	NOUN
fsr-3191	157	5	v	v	NOUN
fsr-3191	157	6	is	be	AUX
fsr-3191	157	7	o	o	NOUN
fsr-3191	157	8	r	r	NOUN
fsr-3191	157	9	,	,	PUNCT
fsr-3191	157	10	m	m	VERB
fsr-3191	157	11	ay	ay	NOUN
fsr-3191	157	12	al	al	PROPN
fsr-3191	158	1	so	so	ADV
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fsr-3191	158	3	n	n	ADV
fsr-3191	158	4	ta	ta	X
fsr-3191	158	5	in	in	ADP
fsr-3191	158	6	ac	ac	PROPN
fsr-3191	158	7	ti	ti	PROPN
fsr-3191	158	8	v	v	ADP
fsr-3191	158	9	e	e	NOUN
fsr-3191	158	10	fu	fu	NOUN
fsr-3191	159	1	n	n	PROPN
fsr-3191	159	2	d	d	PROPN
fsr-3191	159	3	s	s	PROPN
fsr-3191	159	4	a	a	DET
fsr-3191	159	5	cc	cc	ADP
fsr-3191	159	6	es	es	X
fsr-3191	159	7	s	s	NOUN
fsr-3191	159	8	to	to	PART
fsr-3191	159	9	h	h	NOUN
fsr-3191	159	10	u	u	NOUN
fsr-3191	159	11	m	m	PROPN
fsr-3191	159	12	an	an	DET
fsr-3191	159	13	ad	ad	NOUN
fsr-3191	159	14	v	v	NOUN
fsr-3191	159	15	is	be	AUX
fsr-3191	159	16	o	o	NOUN
fsr-3191	159	17	r	r	NOUN
fsr-3191	159	18	s	s	NOUN
fsr-3191	159	19	o	o	NOUN
fsr-3191	159	20	m	m	VERB
fsr-3191	159	21	e	e	X
fsr-3191	159	22	ac	ac	PROPN
fsr-3191	159	23	ce	ce	PROPN
fsr-3191	159	24	ss	ss	PROPN
fsr-3191	160	1	n	n	ADV
fsr-3191	161	1	o	o	NOUN
fsr-3191	161	2	s	s	X
fsr-3191	161	3	o	o	X
fsr-3191	161	4	m	m	VERB
fsr-3191	161	5	e	e	X
fsr-3191	161	6	ac	ac	PROPN
fsr-3191	161	7	ce	ce	PROPN
fsr-3191	161	8	ss	ss	PROPN
fsr-3191	161	9	y	y	PROPN
fsr-3191	161	10	es	es	PROPN
fsr-3191	161	11	n	n	INTJ
fsr-3191	161	12	o	o	NOUN
fsr-3191	161	13	te	te	ADP
fsr-3191	161	14	s	s	NOUN
fsr-3191	161	15	:	:	PUNCT
fsr-3191	161	16	a	a	DET
fsr-3191	161	17	m	m	VERB
fsr-3191	161	18	an	an	DET
fsr-3191	161	19	ag	ag	PROPN
fsr-3191	161	20	ed	ed	PROPN
fsr-3191	161	21	ac	ac	PROPN
fsr-3191	161	22	co	co	PROPN
fsr-3191	161	23	u	u	PROPN
fsr-3191	161	24	n	n	ADP
fsr-3191	161	25	t	t	PROPN
fsr-3191	161	26	b	b	PROPN
fsr-3191	161	27	as	as	ADP
fsr-3191	161	28	ed	ed	PROPN
fsr-3191	161	29	o	o	PROPN
fsr-3191	162	1	n	n	ADP
fsr-3191	162	2	f	f	X
fsr-3191	162	3	i	i	PROPN
fsr-3191	162	4	d	d	PROPN
fsr-3191	162	5	el	el	PROPN
fsr-3191	163	1	it	it	PRON
fsr-3191	164	1	y	y	INTJ
fsr-3191	164	2	m	m	VERB
fsr-3191	164	3	an	an	DET
fsr-3191	164	4	ag	ag	PROPN
fsr-3191	164	5	ed	ed	PROPN
fsr-3191	164	6	ac	ac	PROPN
fsr-3191	164	7	co	co	PROPN
fsr-3191	164	8	u	u	PROPN
fsr-3191	164	9	n	n	PROPN
fsr-3191	164	10	t	t	NOUN
fsr-3191	164	11	at	at	ADP
fsr-3191	164	12	2	2	NUM
fsr-3191	164	13	5	5	NUM
fsr-3191	164	14	b	b	NOUN
fsr-3191	164	15	p	p	NOUN
fsr-3191	164	16	s	s	NOUN
fsr-3191	164	17	fo	fo	ADP
fsr-3191	164	18	r	r	NOUN
fsr-3191	164	19	as	as	ADP
fsr-3191	164	20	se	se	X
fsr-3191	164	21	ts	ts	ADP
fsr-3191	164	22	u	u	PROPN
fsr-3191	164	23	n	n	PROPN
fsr-3191	164	24	d	d	NOUN
fsr-3191	164	25	er	er	INTJ
fsr-3191	164	26	$	$	SYM
fsr-3191	164	27	2	2	NUM
fsr-3191	164	28	0	0	NUM
fsr-3191	164	29	0	0	NUM
fsr-3191	164	30	,	,	PUNCT
fsr-3191	164	31	0	0	NUM
fsr-3191	164	32	0	0	NUM
fsr-3191	164	33	0	0	NUM
fsr-3191	165	1	an	an	DET
fsr-3191	165	2	d	d	PROPN
fsr-3191	165	3	2	2	NUM
fsr-3191	165	4	0	0	NUM
fsr-3191	165	5	b	b	NOUN
fsr-3191	165	6	p	p	NOUN
fsr-3191	165	7	s	s	NOUN
fsr-3191	165	8	fo	fo	ADP
fsr-3191	165	9	r	r	NOUN
fsr-3191	165	10	as	as	ADP
fsr-3191	165	11	se	se	X
fsr-3191	165	12	ts	ts	X
fsr-3191	165	13	ex	ex	X
fsr-3191	165	14	ce	ce	PROPN
fsr-3191	165	15	ed	ed	NOUN
fsr-3191	165	16	in	in	ADP
fsr-3191	165	17	g	g	PROPN
fsr-3191	165	18	$	$	SYM
fsr-3191	165	19	2	2	NUM
fsr-3191	165	20	0	0	NUM
fsr-3191	165	21	0	0	NUM
fsr-3191	165	22	,	,	PUNCT
fsr-3191	165	23	0	0	NUM
fsr-3191	165	24	0	0	NUM
fsr-3191	165	25	0	0	NUM
fsr-3191	165	26	.	.	PUNCT
fsr-3191	166	1	b	b	X
fsr-3191	167	1	r	r	NOUN
fsr-3191	167	2	o	o	X
fsr-3191	167	3	b	b	X
fsr-3191	167	4	o	o	X
fsr-3191	167	5	ad	ad	NOUN
fsr-3191	167	6	v	v	NOUN
fsr-3191	167	7	is	be	AUX
fsr-3191	167	8	o	o	NOUN
fsr-3191	167	9	r	r	NOUN
fsr-3191	167	10	b	b	PROPN
fsr-3191	167	11	as	as	ADP
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fsr-3191	167	13	o	o	PROPN
fsr-3191	168	1	n	n	CCONJ
fsr-3191	168	2	av	av	PROPN
fsr-3191	168	3	er	er	INTJ
fsr-3191	168	4	ag	ag	PROPN
fsr-3191	168	5	e	e	NOUN
fsr-3191	168	6	o	o	X
fsr-3191	168	7	f	f	X
fsr-3191	168	8	v	v	ADP
fsr-3191	168	9	an	an	DET
fsr-3191	168	10	g	g	PROPN
fsr-3191	168	11	u	u	PROPN
fsr-3191	168	12	ar	ar	PROPN
fsr-3191	168	13	d	d	PROPN
fsr-3191	168	14	(	(	PUNCT
fsr-3191	168	15	2	2	NUM
fsr-3191	168	16	0	0	NUM
fsr-3191	168	17	2	2	NUM
fsr-3191	168	18	2	2	NUM
fsr-3191	168	19	)	)	PUNCT
fsr-3191	169	1	d	d	NOUN
fsr-3191	169	2	ig	ig	PROPN
fsr-3191	169	3	it	it	PRON
fsr-3191	169	4	al	al	PROPN
fsr-3191	169	5	ad	ad	NOUN
fsr-3191	169	6	v	v	NOUN
fsr-3191	169	7	is	be	AUX
fsr-3191	169	8	o	o	NOUN
fsr-3191	169	9	r	r	NOUN
fsr-3191	169	10	(	(	PUNCT
fsr-3191	169	11	e	e	PROPN
fsr-3191	169	12	st	st	PROPN
fsr-3191	169	13	i	i	X
fsr-3191	169	14	m	m	VERB
fsr-3191	169	15	at	at	ADP
fsr-3191	169	16	ed	ed	NOUN
fsr-3191	169	17	1	1	NUM
fsr-3191	170	1	5	5	NUM
fsr-3191	170	2	b	b	NOUN
fsr-3191	170	3	p	p	NOUN
fsr-3191	170	4	s	s	X
fsr-3191	170	5	n	n	PART
fsr-3191	170	6	et	et	NOUN
fsr-3191	170	7	ad	ad	NOUN
fsr-3191	170	8	v	v	NOUN
fsr-3191	170	9	is	be	AUX
fsr-3191	170	10	o	o	NOUN
fsr-3191	170	11	ry	ry	X
fsr-3191	170	12	fe	fe	X
fsr-3191	170	13	e	e	NOUN
fsr-3191	170	14	)	)	PUNCT
fsr-3191	170	15	an	an	DET
fsr-3191	170	16	d	d	X
fsr-3191	170	17	b	b	X
fsr-3191	170	18	et	et	NOUN
fsr-3191	170	19	te	te	PROPN
fsr-3191	170	20	rm	rm	PROPN
fsr-3191	170	21	en	en	PROPN
fsr-3191	170	22	t	t	PROPN
fsr-3191	170	23	(	(	PUNCT
fsr-3191	170	24	2	2	NUM
fsr-3191	170	25	5	5	NUM
fsr-3191	170	26	b	b	NOUN
fsr-3191	170	27	p	p	NOUN
fsr-3191	170	28	s	s	PART
fsr-3191	170	29	ad	ad	NOUN
fsr-3191	170	30	v	v	NOUN
fsr-3191	170	31	is	be	AUX
fsr-3191	170	32	o	o	NOUN
fsr-3191	170	33	ry	ry	X
fsr-3191	170	34	fe	fe	X
fsr-3191	170	35	e	e	NOUN
fsr-3191	170	36	)	)	PUNCT
fsr-3191	171	1	p	p	X
fsr-3191	171	2	lu	lu	PROPN
fsr-3191	171	3	s	s	NOUN
fsr-3191	172	1	1	1	NUM
fsr-3191	172	2	0	0	NUM
fsr-3191	172	3	b	b	NOUN
fsr-3191	172	4	p	p	X
fsr-3191	172	5	s	s	NOUN
fsr-3191	172	6	as	as	ADP
fsr-3191	172	7	su	su	PROPN
fsr-3191	172	8	m	m	PROPN
fsr-3191	172	9	ed	ed	PROPN
fsr-3191	172	10	co	co	PROPN
fsr-3191	172	11	st	st	PROPN
fsr-3191	172	12	o	o	PROPN
fsr-3191	172	13	f	f	PROPN
fsr-3191	172	14	in	in	ADP
fsr-3191	172	15	v	v	NUM
fsr-3191	172	16	es	es	ADP
fsr-3191	172	17	tm	tm	PROPN
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fsr-3191	172	19	t	t	PROPN
fsr-3191	172	20	fu	fu	PROPN
fsr-3191	173	1	n	n	PROPN
fsr-3191	173	2	d	d	PROPN
fsr-3191	174	1	s.	s.	PROPN
fsr-3191	174	2	c	c	PROPN
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fsr-3191	174	4	y	y	PROPN
fsr-3191	174	5	b	b	PROPN
fsr-3191	174	6	ri	ri	PROPN
fsr-3191	174	7	d	d	X
fsr-3191	174	8	ir	ir	PROPN
fsr-3191	175	1	a	a	DET
fsr-3191	175	2	b	b	PROPN
fsr-3191	175	3	as	as	ADP
fsr-3191	175	4	ed	ed	PROPN
fsr-3191	175	5	o	o	PROPN
fsr-3191	176	1	n	n	CCONJ
fsr-3191	176	2	av	av	PROPN
fsr-3191	176	3	er	er	INTJ
fsr-3191	176	4	ag	ag	PROPN
fsr-3191	176	5	e	e	NOUN
fsr-3191	176	6	o	o	X
fsr-3191	176	7	f	f	X
fsr-3191	176	8	v	v	ADP
fsr-3191	176	9	an	an	DET
fsr-3191	176	10	g	g	PROPN
fsr-3191	176	11	u	u	PROPN
fsr-3191	176	12	ar	ar	PROPN
fsr-3191	176	13	d	d	PROPN
fsr-3191	176	14	p	p	X
fsr-3191	177	1	er	er	INTJ
fsr-3191	178	1	so	so	ADV
fsr-3191	178	2	n	n	ADV
fsr-3191	178	3	al	al	PROPN
fsr-3191	179	1	a	a	PROPN
fsr-3191	180	1	d	d	PROPN
fsr-3191	180	2	v	v	PROPN
fsr-3191	180	3	is	be	AUX
fsr-3191	180	4	o	o	NOUN
fsr-3191	180	5	r	r	NOUN
fsr-3191	180	6	s	s	NOUN
fsr-3191	180	7	er	er	INTJ
fsr-3191	180	8	v	v	INTJ
fsr-3191	180	9	ic	ic	INTJ
fsr-3191	180	10	es	es	X
fsr-3191	180	11	(	(	PUNCT
fsr-3191	180	12	2	2	NUM
fsr-3191	180	13	0	0	NUM
fsr-3191	180	14	2	2	NUM
fsr-3191	180	15	2	2	NUM
fsr-3191	180	16	)	)	PUNCT
fsr-3191	180	17	(	(	PUNCT
fsr-3191	180	18	3	3	NUM
fsr-3191	180	19	0	0	NUM
fsr-3191	180	20	b	b	NOUN
fsr-3191	180	21	p	p	X
fsr-3191	180	22	s	s	PROPN
fsr-3191	180	23	)	)	PUNCT
fsr-3191	180	24	an	an	DET
fsr-3191	180	25	d	d	PROPN
fsr-3191	180	26	b	b	X
fsr-3191	180	27	et	et	NOUN
fsr-3191	180	28	te	te	PROPN
fsr-3191	180	29	rm	rm	PROPN
fsr-3191	180	30	en	en	PROPN
fsr-3191	180	31	t	t	PROPN
fsr-3191	180	32	p	p	X
fsr-3191	180	33	re	re	ADP
fsr-3191	180	34	m	m	PROPN
fsr-3191	180	35	iu	iu	ADP
fsr-3191	180	36	m	m	PROPN
fsr-3191	180	37	(	(	PUNCT
fsr-3191	180	38	4	4	NUM
fsr-3191	180	39	0	0	NUM
fsr-3191	180	40	b	b	NOUN
fsr-3191	180	41	p	p	X
fsr-3191	180	42	s	s	NOUN
fsr-3191	180	43	)	)	PUNCT
fsr-3191	180	44	p	p	NOUN
fsr-3191	180	45	lu	lu	PROPN
fsr-3191	180	46	s	s	NOUN
fsr-3191	181	1	1	1	NUM
fsr-3191	181	2	0	0	NUM
fsr-3191	181	3	b	b	NOUN
fsr-3191	181	4	p	p	X
fsr-3191	181	5	s	s	NOUN
fsr-3191	181	6	as	as	ADP
fsr-3191	181	7	su	su	PROPN
fsr-3191	181	8	m	m	PROPN
fsr-3191	181	9	ed	ed	NOUN
fsr-3191	181	10	fo	fo	ADP
fsr-3191	181	11	r	r	NOUN
fsr-3191	181	12	in	in	ADP
fsr-3191	181	13	v	v	NUM
fsr-3191	181	14	es	es	ADP
fsr-3191	181	15	tm	tm	NOUN
fsr-3191	181	16	en	en	X
fsr-3191	181	17	ts	ts	X
fsr-3191	181	18	(	(	PUNCT
fsr-3191	181	19	b	b	X
fsr-3191	181	20	et	et	NOUN
fsr-3191	181	21	te	te	PROPN
fsr-3191	181	22	rm	rm	PROPN
fsr-3191	181	23	en	en	PROPN
fsr-3191	181	24	t	t	PROPN
fsr-3191	181	25	,	,	PUNCT
fsr-3191	181	26	2	2	NUM
fsr-3191	181	27	0	0	NUM
fsr-3191	181	28	2	2	NUM
fsr-3191	181	29	2	2	NUM
fsr-3191	181	30	)	)	PUNCT
fsr-3191	181	31	.	.	PUNCT
fsr-3191	182	1	o.	o.	PROPN
fsr-3191	182	2	s.	s.	PROPN
fsr-3191	182	3	mitchell	mitchell	PROPN
fsr-3191	182	4	et	et	PROPN
fsr-3191	182	5	al	al	PROPN
fsr-3191	182	6	.	.	PUNCT
fsr-3191	182	7	/	/	SYM
fsr-3191	182	8	financial	financial	ADJ
fsr-3191	182	9	services	service	NOUN
fsr-3191	182	10	review	review	VERB
fsr-3191	182	11	31	31	NUM
fsr-3191	182	12	(	(	PUNCT
fsr-3191	182	13	2023	2023	NUM
fsr-3191	182	14	)	)	PUNCT
fsr-3191	182	15	1–21	1–21	PROPN
fsr-3191	182	16	9	9	NUM
fsr-3191	182	17	$	$	SYM
fsr-3191	182	18	50,000–$100,000	50,000–$100,000	NUM
fsr-3191	182	19	and	and	CCONJ
fsr-3191	182	20	charge	charge	VERB
fsr-3191	182	21	an	an	DET
fsr-3191	182	22	annual	annual	ADJ
fsr-3191	182	23	30–40	30–40	NUM
fsr-3191	182	24	bps	bps	NOUN
fsr-3191	182	25	for	for	ADP
fsr-3191	182	26	advice	advice	NOUN
fsr-3191	182	27	,	,	PUNCT
fsr-3191	182	28	in	in	ADP
fsr-3191	182	29	addition	addition	NOUN
fsr-3191	182	30	to	to	ADP
fsr-3191	182	31	the	the	DET
fsr-3191	182	32	cost	cost	NOUN
fsr-3191	182	33	of	of	ADP
fsr-3191	182	34	the	the	DET
fsr-3191	182	35	underlying	underlie	VERB
fsr-3191	182	36	investments	investment	NOUN
fsr-3191	182	37	.	.	PUNCT
fsr-3191	183	1	most	most	ADJ
fsr-3191	183	2	robo	robo	ADJ
fsr-3191	183	3	assets	asset	NOUN
fsr-3191	183	4	are	be	AUX
fsr-3191	183	5	invested	invest	VERB
fsr-3191	183	6	with	with	ADP
fsr-3191	183	7	hybrid	hybrid	ADJ
fsr-3191	183	8	advisors	advisor	NOUN
fsr-3191	183	9	(	(	PUNCT
fsr-3191	183	10	ponte	ponte	NOUN
fsr-3191	183	11	,	,	PUNCT
fsr-3191	183	12	2022	2022	NUM
fsr-3191	183	13	)	)	PUNCT
fsr-3191	183	14	.	.	PUNCT
fsr-3191	184	1	human	human	ADJ
fsr-3191	184	2	financial	financial	ADJ
fsr-3191	184	3	advisors	advisor	NOUN
fsr-3191	184	4	typically	typically	ADV
fsr-3191	184	5	charge	charge	VERB
fsr-3191	184	6	around	around	ADV
fsr-3191	184	7	100	100	NUM
fsr-3191	184	8	bps	bps	NOUN
fsr-3191	184	9	per	per	ADP
fsr-3191	184	10	year	year	NOUN
fsr-3191	184	11	for	for	ADP
fsr-3191	184	12	advice	advice	NOUN
fsr-3191	184	13	on	on	ADP
fsr-3191	184	14	assets	asset	NOUN
fsr-3191	184	15	under	under	ADP
fsr-3191	184	16	management	management	NOUN
fsr-3191	184	17	,	,	PUNCT
fsr-3191	184	18	in	in	ADP
fsr-3191	184	19	addition	addition	NOUN
fsr-3191	184	20	to	to	ADP
fsr-3191	184	21	the	the	DET
fsr-3191	184	22	cost	cost	NOUN
fsr-3191	184	23	of	of	ADP
fsr-3191	184	24	the	the	DET
fsr-3191	184	25	underlying	underlie	VERB
fsr-3191	184	26	investments	investment	NOUN
fsr-3191	184	27	(	(	PUNCT
fsr-3191	184	28	advisoryhq	advisoryhq	ADV
fsr-3191	184	29	,	,	PUNCT
fsr-3191	184	30	2021	2021	NUM
fsr-3191	184	31	)	)	PUNCT
fsr-3191	184	32	.	.	PUNCT
fsr-3191	185	1	these	these	DET
fsr-3191	185	2	financial	financial	ADJ
fsr-3191	185	3	advisors	advisor	NOUN
fsr-3191	185	4	may	may	AUX
fsr-3191	185	5	require	require	VERB
fsr-3191	185	6	clients	client	NOUN
fsr-3191	185	7	to	to	PART
fsr-3191	185	8	have	have	VERB
fsr-3191	185	9	minimum	minimum	ADJ
fsr-3191	185	10	investable	investable	ADJ
fsr-3191	185	11	assets	asset	NOUN
fsr-3191	185	12	of	of	ADP
fsr-3191	185	13	$	$	SYM
fsr-3191	185	14	100,000	100,000	NUM
fsr-3191	185	15	or	or	CCONJ
fsr-3191	185	16	more	more	ADJ
fsr-3191	185	17	(	(	PUNCT
fsr-3191	185	18	ludwig	ludwig	PROPN
fsr-3191	185	19	,	,	PUNCT
fsr-3191	185	20	2017	2017	NUM
fsr-3191	185	21	)	)	PUNCT
fsr-3191	185	22	.	.	PUNCT
fsr-3191	186	1	some	some	DET
fsr-3191	186	2	advisors	advisor	NOUN
fsr-3191	186	3	have	have	AUX
fsr-3191	186	4	started	start	VERB
fsr-3191	186	5	to	to	PART
fsr-3191	186	6	offer	offer	VERB
fsr-3191	186	7	one	one	NUM
fsr-3191	186	8	-	-	PUNCT
fsr-3191	186	9	time	time	NOUN
fsr-3191	186	10	advice	advice	NOUN
fsr-3191	186	11	sessions	session	NOUN
fsr-3191	186	12	to	to	ADP
fsr-3191	186	13	savers	saver	NOUN
fsr-3191	186	14	for	for	ADP
fsr-3191	186	15	a	a	DET
fsr-3191	186	16	flat	flat	ADJ
fsr-3191	186	17	fee	fee	NOUN
fsr-3191	186	18	,	,	PUNCT
fsr-3191	186	19	rather	rather	ADV
fsr-3191	186	20	than	than	ADP
fsr-3191	186	21	charging	charge	VERB
fsr-3191	186	22	a	a	DET
fsr-3191	186	23	percentage	percentage	NOUN
fsr-3191	186	24	of	of	ADP
fsr-3191	186	25	assets	asset	NOUN
fsr-3191	186	26	under	under	ADP
fsr-3191	186	27	management	management	NOUN
fsr-3191	186	28	.	.	PUNCT
fsr-3191	187	1	in	in	ADP
fsr-3191	187	2	such	such	ADJ
fsr-3191	187	3	cases	case	NOUN
fsr-3191	187	4	,	,	PUNCT
fsr-3191	187	5	the	the	DET
fsr-3191	187	6	advisor	advisor	NOUN
fsr-3191	187	7	can	can	AUX
fsr-3191	187	8	help	help	VERB
fsr-3191	187	9	savers	saver	NOUN
fsr-3191	187	10	create	create	VERB
fsr-3191	187	11	financial	financial	ADJ
fsr-3191	187	12	plans	plan	NOUN
fsr-3191	187	13	,	,	PUNCT
fsr-3191	187	14	but	but	CCONJ
fsr-3191	187	15	savers	saver	NOUN
fsr-3191	187	16	will	will	AUX
fsr-3191	187	17	typically	typically	ADV
fsr-3191	187	18	need	need	VERB
fsr-3191	187	19	to	to	PART
fsr-3191	187	20	implement	implement	VERB
fsr-3191	187	21	them	they	PRON
fsr-3191	187	22	on	on	ADP
fsr-3191	187	23	their	their	PRON
fsr-3191	187	24	own	own	ADJ
fsr-3191	187	25	.	.	PUNCT
fsr-3191	188	1	5	5	X
fsr-3191	188	2	.	.	X
fsr-3191	188	3	employer	employer	NOUN
fsr-3191	188	4	and	and	CCONJ
fsr-3191	188	5	financial	financial	ADJ
fsr-3191	188	6	advisor	advisor	NOUN
fsr-3191	188	7	perspectives	perspective	NOUN
fsr-3191	188	8	for	for	ADP
fsr-3191	188	9	various	various	ADJ
fsr-3191	188	10	reasons	reason	NOUN
fsr-3191	188	11	,	,	PUNCT
fsr-3191	188	12	some	some	DET
fsr-3191	188	13	plan	plan	NOUN
fsr-3191	188	14	sponsors	sponsor	NOUN
fsr-3191	188	15	could	could	AUX
fsr-3191	188	16	prefer	prefer	VERB
fsr-3191	188	17	that	that	SCONJ
fsr-3191	188	18	retirees	retiree	NOUN
fsr-3191	188	19	remain	remain	VERB
fsr-3191	188	20	in	in	ADP
fsr-3191	188	21	their	their	PRON
fsr-3191	188	22	employer	employer	NOUN
fsr-3191	188	23	-	-	PUNCT
fsr-3191	188	24	sponsored	sponsor	VERB
fsr-3191	188	25	plans	plan	NOUN
fsr-3191	188	26	.	.	PUNCT
fsr-3191	189	1	one	one	NUM
fsr-3191	189	2	is	be	AUX
fsr-3191	189	3	that	that	SCONJ
fsr-3191	189	4	retaining	retain	VERB
fsr-3191	189	5	assets	asset	NOUN
fsr-3191	189	6	increases	increase	VERB
fsr-3191	189	7	the	the	DET
fsr-3191	189	8	pool	pool	NOUN
fsr-3191	189	9	of	of	ADP
fsr-3191	189	10	investable	investable	ADJ
fsr-3191	189	11	funds	fund	NOUN
fsr-3191	189	12	,	,	PUNCT
fsr-3191	189	13	which	which	PRON
fsr-3191	189	14	may	may	AUX
fsr-3191	189	15	allow	allow	VERB
fsr-3191	189	16	sponsors	sponsor	NOUN
fsr-3191	189	17	to	to	PART
fsr-3191	189	18	negotiate	negotiate	VERB
fsr-3191	189	19	lower	low	ADJ
fsr-3191	189	20	fees	fee	NOUN
fsr-3191	189	21	from	from	ADP
fsr-3191	189	22	retirement	retirement	NOUN
fsr-3191	189	23	plan	plan	NOUN
fsr-3191	189	24	service	service	NOUN
fsr-3191	189	25	providers	provider	NOUN
fsr-3191	189	26	.	.	PUNCT
fsr-3191	190	1	to	to	ADP
fsr-3191	190	2	this	this	DET
fsr-3191	190	3	point	point	NOUN
fsr-3191	190	4	,	,	PUNCT
fsr-3191	190	5	some	some	DET
fsr-3191	190	6	employers	employer	NOUN
fsr-3191	190	7	have	have	AUX
fsr-3191	190	8	already	already	ADV
fsr-3191	190	9	expressed	express	VERB
fsr-3191	190	10	increased	increased	ADJ
fsr-3191	190	11	interest	interest	NOUN
fsr-3191	190	12	in	in	ADP
fsr-3191	190	13	participant	participant	ADJ
fsr-3191	190	14	retention	retention	NOUN
fsr-3191	190	15	postretirement	postretirement	NOUN
fsr-3191	190	16	.	.	PUNCT
fsr-3191	191	1	a	a	DET
fsr-3191	191	2	recent	recent	ADJ
fsr-3191	191	3	survey	survey	NOUN
fsr-3191	191	4	documented	document	VERB
fsr-3191	191	5	that	that	SCONJ
fsr-3191	191	6	69	69	NUM
fsr-3191	191	7	%	%	NOUN
fsr-3191	191	8	of	of	ADP
fsr-3191	191	9	all	all	DET
fsr-3191	191	10	plan	plan	NOUN
fsr-3191	191	11	sponsors	sponsor	NOUN
fsr-3191	191	12	and	and	CCONJ
fsr-3191	191	13	84	84	NUM
fsr-3191	191	14	%	%	NOUN
fsr-3191	191	15	of	of	ADP
fsr-3191	191	16	those	those	PRON
fsr-3191	191	17	with	with	ADP
fsr-3191	191	18	assets	asset	NOUN
fsr-3191	191	19	over	over	ADP
fsr-3191	191	20	$	$	SYM
fsr-3191	191	21	500	500	NUM
fsr-3191	191	22	million	million	NUM
fsr-3191	191	23	stated	state	VERB
fsr-3191	191	24	that	that	SCONJ
fsr-3191	191	25	they	they	PRON
fsr-3191	191	26	favored	favor	VERB
fsr-3191	191	27	retaining	retain	VERB
fsr-3191	191	28	participant	participant	ADJ
fsr-3191	191	29	assets	asset	NOUN
fsr-3191	191	30	in	in	ADP
fsr-3191	191	31	the	the	DET
fsr-3191	191	32	company	company	NOUN
fsr-3191	191	33	’s	’s	PART
fsr-3191	191	34	401(k	401(k	PROPN
fsr-3191	191	35	)	)	PUNCT
fsr-3191	191	36	plan	plan	NOUN
fsr-3191	191	37	after	after	ADP
fsr-3191	191	38	retirement	retirement	NOUN
fsr-3191	191	39	(	(	PUNCT
fsr-3191	191	40	cerulli	cerulli	PROPN
fsr-3191	191	41	associates	associates	PROPN
fsr-3191	191	42	,	,	PUNCT
fsr-3191	191	43	2021a	2021a	NUM
fsr-3191	191	44	)	)	PUNCT
fsr-3191	191	45	.	.	PUNCT
fsr-3191	192	1	additionally	additionally	ADV
fsr-3191	192	2	,	,	PUNCT
fsr-3191	192	3	asset	asset	NOUN
fsr-3191	192	4	managers	manager	NOUN
fsr-3191	192	5	are	be	AUX
fsr-3191	192	6	starting	start	VERB
fsr-3191	192	7	to	to	PART
fsr-3191	192	8	develop	develop	VERB
fsr-3191	192	9	target	target	NOUN
fsr-3191	192	10	date	date	NOUN
fsr-3191	192	11	suites	suite	NOUN
fsr-3191	192	12	that	that	PRON
fsr-3191	192	13	convert	convert	VERB
fsr-3191	192	14	participants	participant	NOUN
fsr-3191	192	15	’	'	PUNCT
fsr-3191	192	16	accumulated	accumulate	VERB
fsr-3191	192	17	balances	balance	NOUN
fsr-3191	192	18	into	into	ADP
fsr-3191	192	19	income	income	NOUN
fsr-3191	192	20	streams	stream	NOUN
fsr-3191	192	21	after	after	ADP
fsr-3191	192	22	retirement	retirement	NOUN
fsr-3191	192	23	,	,	PUNCT
fsr-3191	192	24	and	and	CCONJ
fsr-3191	192	25	some	some	PRON
fsr-3191	192	26	include	include	VERB
fsr-3191	192	27	embedded	embed	VERB
fsr-3191	192	28	annuity	annuity	NOUN
fsr-3191	192	29	products	product	NOUN
fsr-3191	192	30	(	(	PUNCT
fsr-3191	192	31	blackrock	blackrock	NOUN
fsr-3191	192	32	,	,	PUNCT
fsr-3191	192	33	2021	2021	NUM
fsr-3191	192	34	;	;	PUNCT
fsr-3191	192	35	state	state	NOUN
fsr-3191	192	36	street	street	NOUN
fsr-3191	192	37	global	global	ADJ
fsr-3191	192	38	advisors	advisor	NOUN
fsr-3191	192	39	,	,	PUNCT
fsr-3191	192	40	2021	2021	NUM
fsr-3191	192	41	)	)	PUNCT
fsr-3191	192	42	.	.	PUNCT
fsr-3191	193	1	in	in	ADP
fsr-3191	193	2	addition	addition	NOUN
fsr-3191	193	3	to	to	ADP
fsr-3191	193	4	the	the	DET
fsr-3191	193	5	advantages	advantage	NOUN
fsr-3191	193	6	of	of	ADP
fsr-3191	193	7	retaining	retain	VERB
fsr-3191	193	8	scale	scale	NOUN
fsr-3191	193	9	,	,	PUNCT
fsr-3191	193	10	plan	plan	NOUN
fsr-3191	193	11	sponsors	sponsor	NOUN
fsr-3191	193	12	can	can	AUX
fsr-3191	193	13	offer	offer	VERB
fsr-3191	193	14	these	these	DET
fsr-3191	193	15	integrated	integrate	VERB
fsr-3191	193	16	products	product	NOUN
fsr-3191	193	17	to	to	PART
fsr-3191	193	18	give	give	VERB
fsr-3191	193	19	participants	participant	NOUN
fsr-3191	193	20	greater	great	ADJ
fsr-3191	193	21	confidence	confidence	NOUN
fsr-3191	193	22	that	that	SCONJ
fsr-3191	193	23	their	their	PRON
fsr-3191	193	24	money	money	NOUN
fsr-3191	193	25	will	will	AUX
fsr-3191	193	26	not	not	PART
fsr-3191	193	27	run	run	VERB
fsr-3191	193	28	out	out	ADP
fsr-3191	193	29	in	in	ADP
fsr-3191	193	30	retirement	retirement	NOUN
fsr-3191	193	31	.	.	PUNCT
fsr-3191	194	1	nevertheless	nevertheless	ADV
fsr-3191	194	2	,	,	PUNCT
fsr-3191	194	3	employers	employer	NOUN
fsr-3191	194	4	do	do	AUX
fsr-3191	194	5	continue	continue	VERB
fsr-3191	194	6	to	to	PART
fsr-3191	194	7	bear	bear	VERB
fsr-3191	194	8	fiduciary	fiduciary	ADJ
fsr-3191	194	9	liability	liability	NOUN
fsr-3191	194	10	for	for	ADP
fsr-3191	194	11	retirees	retiree	NOUN
fsr-3191	194	12	who	who	PRON
fsr-3191	194	13	remain	remain	VERB
fsr-3191	194	14	in	in	ADP
fsr-3191	194	15	401(k	401(k	NOUN
fsr-3191	194	16	)	)	PUNCT
fsr-3191	194	17	plans	plan	NOUN
fsr-3191	194	18	.	.	PUNCT
fsr-3191	195	1	this	this	DET
fsr-3191	195	2	concern	concern	NOUN
fsr-3191	195	3	can	can	AUX
fsr-3191	195	4	now	now	ADV
fsr-3191	195	5	be	be	AUX
fsr-3191	195	6	alleviated	alleviate	VERB
fsr-3191	195	7	from	from	ADP
fsr-3191	195	8	2021	2021	NUM
fsr-3191	195	9	,	,	PUNCT
fsr-3191	195	10	if	if	SCONJ
fsr-3191	195	11	employers	employer	NOUN
fsr-3191	195	12	join	join	VERB
fsr-3191	195	13	a	a	DET
fsr-3191	195	14	pooled	pool	VERB
fsr-3191	195	15	employer	employer	NOUN
fsr-3191	195	16	plan	plan	NOUN
fsr-3191	195	17	(	(	PUNCT
fsr-3191	195	18	pep	pep	NOUN
fsr-3191	195	19	)	)	PUNCT
fsr-3191	195	20	,	,	PUNCT
fsr-3191	195	21	as	as	SCONJ
fsr-3191	195	22	the	the	DET
fsr-3191	195	23	pep	pep	NOUN
fsr-3191	195	24	can	can	AUX
fsr-3191	195	25	assume	assume	VERB
fsr-3191	195	26	most	most	ADJ
fsr-3191	195	27	of	of	ADP
fsr-3191	195	28	the	the	DET
fsr-3191	195	29	fiduciary	fiduciary	ADJ
fsr-3191	195	30	responsibility	responsibility	NOUN
fsr-3191	195	31	for	for	ADP
fsr-3191	195	32	the	the	DET
fsr-3191	195	33	plans	plan	NOUN
fsr-3191	195	34	.	.	PUNCT
fsr-3191	196	1	so	so	ADV
fsr-3191	196	2	far	far	ADV
fsr-3191	196	3	,	,	PUNCT
fsr-3191	196	4	however	however	ADV
fsr-3191	196	5	,	,	PUNCT
fsr-3191	196	6	there	there	PRON
fsr-3191	196	7	has	have	AUX
fsr-3191	196	8	been	be	AUX
fsr-3191	196	9	limited	limit	VERB
fsr-3191	196	10	uptake	uptake	ADJ
fsr-3191	196	11	of	of	ADP
fsr-3191	196	12	these	these	DET
fsr-3191	196	13	plans	plan	NOUN
fsr-3191	196	14	(	(	PUNCT
fsr-3191	196	15	morningstar	morningstar	NOUN
fsr-3191	196	16	,	,	PUNCT
fsr-3191	196	17	2022	2022	NUM
fsr-3191	196	18	)	)	PUNCT
fsr-3191	196	19	.	.	PUNCT
fsr-3191	197	1	another	another	DET
fsr-3191	197	2	potential	potential	ADJ
fsr-3191	197	3	retention	retention	NOUN
fsr-3191	197	4	cost	cost	NOUN
fsr-3191	197	5	relates	relate	VERB
fsr-3191	197	6	to	to	ADP
fsr-3191	197	7	firms	firm	NOUN
fsr-3191	197	8	’	'	PUNCT
fsr-3191	197	9	requirement	requirement	NOUN
fsr-3191	197	10	to	to	PART
fsr-3191	197	11	continue	continue	VERB
fsr-3191	197	12	communicating	communicate	VERB
fsr-3191	197	13	with	with	ADP
fsr-3191	197	14	retirees	retiree	NOUN
fsr-3191	197	15	as	as	ADP
fsr-3191	197	16	plan	plan	NOUN
fsr-3191	197	17	participants	participant	NOUN
fsr-3191	197	18	.	.	PUNCT
fsr-3191	198	1	in	in	ADP
fsr-3191	198	2	most	most	ADJ
fsr-3191	198	3	cases	case	NOUN
fsr-3191	198	4	,	,	PUNCT
fsr-3191	198	5	however	however	ADV
fsr-3191	198	6	,	,	PUNCT
fsr-3191	198	7	communicating	communicate	VERB
fsr-3191	198	8	with	with	ADP
fsr-3191	198	9	participants	participant	NOUN
fsr-3191	198	10	is	be	AUX
fsr-3191	198	11	delegated	delegate	VERB
fsr-3191	198	12	to	to	ADP
fsr-3191	198	13	recordkeepers	recordkeepers	PROPN
fsr-3191	198	14	(	(	PUNCT
fsr-3191	198	15	erisa	erisa	PROPN
fsr-3191	198	16	advisory	advisory	ADJ
fsr-3191	198	17	council	council	NOUN
fsr-3191	198	18	,	,	PUNCT
fsr-3191	198	19	2020	2020	NUM
fsr-3191	198	20	)	)	PUNCT
fsr-3191	198	21	,	,	PUNCT
fsr-3191	198	22	so	so	CCONJ
fsr-3191	198	23	such	such	ADJ
fsr-3191	198	24	communication	communication	NOUN
fsr-3191	198	25	is	be	AUX
fsr-3191	198	26	unlikely	unlikely	ADJ
fsr-3191	198	27	to	to	PART
fsr-3191	198	28	be	be	AUX
fsr-3191	198	29	very	very	ADV
fsr-3191	198	30	costly	costly	ADJ
fsr-3191	198	31	.	.	PUNCT
fsr-3191	199	1	financial	financial	ADJ
fsr-3191	199	2	advisors	advisor	NOUN
fsr-3191	199	3	also	also	ADV
fsr-3191	199	4	have	have	VERB
fsr-3191	199	5	views	view	NOUN
fsr-3191	199	6	as	as	ADP
fsr-3191	199	7	to	to	ADP
fsr-3191	199	8	whether	whether	SCONJ
fsr-3191	199	9	401(k	401(k	NOUN
fsr-3191	199	10	)	)	PUNCT
fsr-3191	199	11	participants	participant	NOUN
fsr-3191	199	12	should	should	AUX
fsr-3191	199	13	roll	roll	VERB
fsr-3191	199	14	over	over	ADP
fsr-3191	199	15	to	to	ADP
fsr-3191	199	16	iras	ira	NOUN
fsr-3191	199	17	,	,	PUNCT
fsr-3191	199	18	depending	depend	VERB
fsr-3191	199	19	on	on	ADP
fsr-3191	199	20	whom	whom	PRON
fsr-3191	199	21	they	they	PRON
fsr-3191	199	22	work	work	VERB
fsr-3191	199	23	for	for	ADP
fsr-3191	199	24	.	.	PUNCT
fsr-3191	200	1	if	if	SCONJ
fsr-3191	200	2	a	a	DET
fsr-3191	200	3	participant	participant	NOUN
fsr-3191	200	4	’s	’s	PART
fsr-3191	200	5	advisor	advisor	NOUN
fsr-3191	200	6	is	be	AUX
fsr-3191	200	7	also	also	ADV
fsr-3191	200	8	the	the	DET
fsr-3191	200	9	plan	plan	NOUN
fsr-3191	200	10	’s	’s	PART
fsr-3191	200	11	advisor	advisor	NOUN
fsr-3191	200	12	,	,	PUNCT
fsr-3191	200	13	either	either	CCONJ
fsr-3191	200	14	directly	directly	ADV
fsr-3191	200	15	or	or	CCONJ
fsr-3191	200	16	through	through	ADP
fsr-3191	200	17	a	a	DET
fsr-3191	200	18	managed	manage	VERB
fsr-3191	200	19	account	account	NOUN
fsr-3191	200	20	,	,	PUNCT
fsr-3191	200	21	the	the	DET
fsr-3191	200	22	advisor	advisor	NOUN
fsr-3191	200	23	is	be	AUX
fsr-3191	200	24	compensated	compensate	VERB
fsr-3191	200	25	for	for	ADP
fsr-3191	200	26	managing	manage	VERB
fsr-3191	200	27	the	the	DET
fsr-3191	200	28	account	account	NOUN
fsr-3191	200	29	within	within	ADP
fsr-3191	200	30	the	the	DET
fsr-3191	200	31	401(k	401(k	PROPN
fsr-3191	200	32	)	)	PUNCT
fsr-3191	200	33	plan	plan	NOUN
fsr-3191	200	34	and	and	CCONJ
fsr-3191	200	35	can	can	AUX
fsr-3191	200	36	allocate	allocate	VERB
fsr-3191	200	37	the	the	DET
fsr-3191	200	38	participant	participant	NOUN
fsr-3191	200	39	’s	’s	PART
fsr-3191	200	40	assets	asset	NOUN
fsr-3191	200	41	across	across	ADP
fsr-3191	200	42	the	the	DET
fsr-3191	200	43	plan	plan	NOUN
fsr-3191	200	44	’s	’s	PART
fsr-3191	200	45	investment	investment	NOUN
fsr-3191	200	46	options	option	NOUN
fsr-3191	200	47	.	.	PUNCT
fsr-3191	201	1	independent	independent	ADJ
fsr-3191	201	2	advisors	advisor	NOUN
fsr-3191	201	3	unaffiliated	unaffiliate	VERB
fsr-3191	201	4	with	with	ADP
fsr-3191	201	5	employers	employer	NOUN
fsr-3191	201	6	’	’	PART
fsr-3191	201	7	plans	plan	NOUN
fsr-3191	201	8	will	will	AUX
fsr-3191	201	9	not	not	PART
fsr-3191	201	10	usually	usually	ADV
fsr-3191	201	11	receive	receive	VERB
fsr-3191	201	12	asset	asset	NOUN
fsr-3191	201	13	-	-	PUNCT
fsr-3191	201	14	based	base	VERB
fsr-3191	201	15	fees	fee	NOUN
fsr-3191	201	16	on	on	ADP
fsr-3191	201	17	assets	asset	NOUN
fsr-3191	201	18	retained	retain	VERB
fsr-3191	201	19	within	within	ADP
fsr-3191	201	20	the	the	DET
fsr-3191	201	21	401(k	401(k	PROPN
fsr-3191	201	22	)	)	PUNCT
fsr-3191	201	23	plans	plan	NOUN
fsr-3191	201	24	,	,	PUNCT
fsr-3191	201	25	nor	nor	CCONJ
fsr-3191	201	26	will	will	AUX
fsr-3191	201	27	they	they	PRON
fsr-3191	201	28	be	be	AUX
fsr-3191	201	29	able	able	ADJ
fsr-3191	201	30	to	to	PART
fsr-3191	201	31	manage	manage	VERB
fsr-3191	201	32	the	the	DET
fsr-3191	201	33	assets	asset	NOUN
fsr-3191	201	34	directly	directly	ADV
fsr-3191	201	35	.	.	PUNCT
fsr-3191	202	1	additionally	additionally	ADV
fsr-3191	202	2	,	,	PUNCT
fsr-3191	202	3	advisors	advisor	NOUN
fsr-3191	202	4	may	may	AUX
fsr-3191	202	5	wish	wish	VERB
fsr-3191	202	6	to	to	PART
fsr-3191	202	7	use	use	VERB
fsr-3191	202	8	investment	investment	NOUN
fsr-3191	202	9	options	option	NOUN
fsr-3191	202	10	unavailable	unavailable	ADJ
fsr-3191	202	11	on	on	ADP
fsr-3191	202	12	the	the	DET
fsr-3191	202	13	retiree	retiree	NOUN
fsr-3191	202	14	’s	’s	PART
fsr-3191	202	15	plan	plan	NOUN
fsr-3191	202	16	menu	menu	NOUN
fsr-3191	202	17	,	,	PUNCT
fsr-3191	202	18	or	or	CCONJ
fsr-3191	202	19	they	they	PRON
fsr-3191	202	20	may	may	AUX
fsr-3191	202	21	wish	wish	VERB
fsr-3191	202	22	for	for	ADP
fsr-3191	202	23	more	more	ADV
fsr-3191	202	24	flexible	flexible	ADJ
fsr-3191	202	25	distribution	distribution	NOUN
fsr-3191	202	26	options	option	NOUN
fsr-3191	202	27	than	than	ADP
fsr-3191	202	28	the	the	DET
fsr-3191	202	29	401(k	401(k	PROPN
fsr-3191	202	30	)	)	PUNCT
fsr-3191	202	31	platform	platform	NOUN
fsr-3191	202	32	offers	offer	NOUN
fsr-3191	202	33	.	.	PUNCT
fsr-3191	203	1	for	for	ADP
fsr-3191	203	2	these	these	DET
fsr-3191	203	3	reasons	reason	NOUN
fsr-3191	203	4	,	,	PUNCT
fsr-3191	203	5	advisors	advisor	NOUN
fsr-3191	203	6	often	often	ADV
fsr-3191	203	7	prefer	prefer	VERB
fsr-3191	203	8	that	that	SCONJ
fsr-3191	203	9	participants	participant	NOUN
fsr-3191	203	10	roll	roll	VERB
fsr-3191	203	11	their	their	PRON
fsr-3191	203	12	assets	asset	NOUN
fsr-3191	203	13	to	to	ADP
fsr-3191	203	14	iras	ira	NOUN
fsr-3191	203	15	after	after	ADP
fsr-3191	203	16	retirement	retirement	NOUN
fsr-3191	203	17	.	.	PUNCT
fsr-3191	204	1	nevertheless	nevertheless	ADV
fsr-3191	204	2	,	,	PUNCT
fsr-3191	204	3	as	as	SCONJ
fsr-3191	204	4	managed	manage	VERB
fsr-3191	204	5	account	account	NOUN
fsr-3191	204	6	solutions	solution	NOUN
fsr-3191	204	7	10	10	NUM
fsr-3191	204	8	o.	o.	PROPN
fsr-3191	204	9	s.	s.	PROPN
fsr-3191	204	10	mitchell	mitchell	PROPN
fsr-3191	204	11	et	et	PROPN
fsr-3191	204	12	al	al	PROPN
fsr-3191	204	13	.	.	PUNCT
fsr-3191	204	14	/	/	SYM
fsr-3191	204	15	financial	financial	ADJ
fsr-3191	204	16	services	service	NOUN
fsr-3191	204	17	review	review	VERB
fsr-3191	204	18	31	31	NUM
fsr-3191	204	19	(	(	PUNCT
fsr-3191	204	20	2023	2023	NUM
fsr-3191	204	21	)	)	PUNCT
fsr-3191	204	22	1–21	1–21	NOUN
fsr-3191	204	23	become	become	VERB
fsr-3191	204	24	more	more	ADV
fsr-3191	204	25	sophisticated	sophisticated	ADJ
fsr-3191	204	26	,	,	PUNCT
fsr-3191	204	27	and	and	CCONJ
fsr-3191	204	28	more	more	ADJ
fsr-3191	204	29	employer	employer	NOUN
fsr-3191	204	30	plans	plan	NOUN
fsr-3191	204	31	add	add	VERB
fsr-3191	204	32	investment	investment	NOUN
fsr-3191	204	33	products	product	NOUN
fsr-3191	204	34	and	and	CCONJ
fsr-3191	204	35	other	other	ADJ
fsr-3191	204	36	functionality	functionality	NOUN
fsr-3191	204	37	specifically	specifically	ADV
fsr-3191	204	38	designed	design	VERB
fsr-3191	204	39	for	for	ADP
fsr-3191	204	40	the	the	DET
fsr-3191	204	41	retirement	retirement	NOUN
fsr-3191	204	42	phase	phase	NOUN
fsr-3191	204	43	,	,	PUNCT
fsr-3191	204	44	advisors	advisor	NOUN
fsr-3191	204	45	may	may	AUX
fsr-3191	204	46	find	find	VERB
fsr-3191	204	47	it	it	PRON
fsr-3191	204	48	increasingly	increasingly	ADV
fsr-3191	204	49	feasible	feasible	ADJ
fsr-3191	204	50	and	and	CCONJ
fsr-3191	204	51	attractive	attractive	ADJ
fsr-3191	204	52	to	to	PART
fsr-3191	204	53	manage	manage	VERB
fsr-3191	204	54	retirement	retirement	NOUN
fsr-3191	204	55	assets	asset	NOUN
fsr-3191	204	56	within	within	ADP
fsr-3191	204	57	employer	employer	NOUN
fsr-3191	204	58	plans	plan	NOUN
fsr-3191	204	59	.	.	PUNCT
fsr-3191	205	1	6	6	X
fsr-3191	205	2	.	.	X
fsr-3191	205	3	evaluating	evaluate	VERB
fsr-3191	205	4	participants	participant	NOUN
fsr-3191	205	5	'	'	PART
fsr-3191	205	6	decisions	decision	NOUN
fsr-3191	205	7	to	to	PART
fsr-3191	205	8	roll	roll	VERB
fsr-3191	205	9	over	over	ADP
fsr-3191	205	10	next	next	ADV
fsr-3191	205	11	,	,	PUNCT
fsr-3191	205	12	we	we	PRON
fsr-3191	205	13	outline	outline	VERB
fsr-3191	205	14	key	key	ADJ
fsr-3191	205	15	features	feature	NOUN
fsr-3191	205	16	of	of	ADP
fsr-3191	205	17	iras	ira	NOUN
fsr-3191	205	18	and	and	CCONJ
fsr-3191	205	19	401(k	401(k	NOUN
fsr-3191	205	20	)	)	PUNCT
fsr-3191	205	21	plans	plan	NOUN
fsr-3191	205	22	that	that	PRON
fsr-3191	205	23	may	may	AUX
fsr-3191	205	24	encourage	encourage	VERB
fsr-3191	205	25	or	or	CCONJ
fsr-3191	205	26	discourage	discourage	VERB
fsr-3191	205	27	employees	employee	NOUN
fsr-3191	205	28	from	from	ADP
fsr-3191	205	29	rolling	roll	VERB
fsr-3191	205	30	over	over	ADP
fsr-3191	205	31	their	their	PRON
fsr-3191	205	32	assets	asset	NOUN
fsr-3191	205	33	from	from	ADP
fsr-3191	205	34	their	their	PRON
fsr-3191	205	35	401(k	401(k	NOUN
fsr-3191	205	36	)	)	PUNCT
fsr-3191	205	37	plans	plan	NOUN
fsr-3191	205	38	at	at	ADP
fsr-3191	205	39	retirement	retirement	NOUN
fsr-3191	205	40	.	.	PUNCT
fsr-3191	206	1	7	7	X
fsr-3191	206	2	.	.	X
fsr-3191	206	3	why	why	SCONJ
fsr-3191	206	4	roll	roll	VERB
fsr-3191	206	5	over	over	ADP
fsr-3191	206	6	to	to	ADP
fsr-3191	206	7	an	an	DET
fsr-3191	206	8	ira	ira	PROPN
fsr-3191	206	9	?	?	PUNCT
fsr-3191	207	1	several	several	ADJ
fsr-3191	207	2	features	feature	NOUN
fsr-3191	207	3	of	of	ADP
fsr-3191	207	4	iras	ira	NOUN
fsr-3191	207	5	may	may	AUX
fsr-3191	207	6	help	help	VERB
fsr-3191	207	7	explain	explain	VERB
fsr-3191	207	8	why	why	SCONJ
fsr-3191	207	9	retirees	retiree	NOUN
fsr-3191	207	10	may	may	AUX
fsr-3191	207	11	move	move	VERB
fsr-3191	207	12	their	their	PRON
fsr-3191	207	13	retirement	retirement	NOUN
fsr-3191	207	14	assets	asset	NOUN
fsr-3191	207	15	out	out	ADP
fsr-3191	207	16	of	of	ADP
fsr-3191	207	17	their	their	PRON
fsr-3191	207	18	401(k	401(k	NOUN
fsr-3191	207	19	)	)	PUNCT
fsr-3191	207	20	plans	plan	NOUN
fsr-3191	207	21	.	.	PUNCT
fsr-3191	208	1	these	these	PRON
fsr-3191	208	2	include	include	VERB
fsr-3191	208	3	:	:	PUNCT
fsr-3191	208	4	7.1	7.1	NUM
fsr-3191	208	5	.	.	PUNCT
fsr-3191	209	1	greater	great	ADJ
fsr-3191	209	2	awareness	awareness	NOUN
fsr-3191	209	3	of	of	ADP
fsr-3191	209	4	iras	ira	NOUN
fsr-3191	209	5	as	as	ADP
fsr-3191	209	6	a	a	DET
fsr-3191	209	7	postretirement	postretirement	NOUN
fsr-3191	209	8	solution	solution	NOUN
fsr-3191	209	9	traditionally	traditionally	ADV
fsr-3191	209	10	,	,	PUNCT
fsr-3191	209	11	participants	participant	NOUN
fsr-3191	209	12	have	have	AUX
fsr-3191	209	13	rolled	roll	VERB
fsr-3191	209	14	their	their	PRON
fsr-3191	209	15	assets	asset	NOUN
fsr-3191	209	16	out	out	ADP
fsr-3191	209	17	of	of	ADP
fsr-3191	209	18	their	their	PRON
fsr-3191	209	19	employer	employer	NOUN
fsr-3191	209	20	plans	plan	NOUN
fsr-3191	209	21	into	into	ADP
fsr-3191	209	22	iras	ira	NOUN
fsr-3191	209	23	upon	upon	SCONJ
fsr-3191	209	24	retirement	retirement	NOUN
fsr-3191	209	25	.	.	PUNCT
fsr-3191	210	1	although	although	SCONJ
fsr-3191	210	2	surveys	survey	NOUN
fsr-3191	210	3	show	show	VERB
fsr-3191	210	4	that	that	SCONJ
fsr-3191	210	5	increasing	increase	VERB
fsr-3191	210	6	numbers	number	NOUN
fsr-3191	210	7	of	of	ADP
fsr-3191	210	8	employers	employer	NOUN
fsr-3191	210	9	are	be	AUX
fsr-3191	210	10	expressing	express	VERB
fsr-3191	210	11	an	an	DET
fsr-3191	210	12	interest	interest	NOUN
fsr-3191	210	13	in	in	ADP
fsr-3191	210	14	retaining	retain	VERB
fsr-3191	210	15	participant	participant	ADJ
fsr-3191	210	16	assets	asset	NOUN
fsr-3191	210	17	post	post	NOUN
fsr-3191	210	18	-	-	NOUN
fsr-3191	210	19	retirement	retirement	NOUN
fsr-3191	210	20	,	,	PUNCT
fsr-3191	210	21	some	some	DET
fsr-3191	210	22	employers	employer	NOUN
fsr-3191	210	23	may	may	AUX
fsr-3191	210	24	not	not	PART
fsr-3191	210	25	be	be	AUX
fsr-3191	210	26	actively	actively	ADV
fsr-3191	210	27	promoting	promote	VERB
fsr-3191	210	28	this	this	DET
fsr-3191	210	29	option	option	NOUN
fsr-3191	210	30	.	.	PUNCT
fsr-3191	211	1	by	by	ADP
fsr-3191	211	2	contrast	contrast	NOUN
fsr-3191	211	3	,	,	PUNCT
fsr-3191	211	4	ira	ira	PROPN
fsr-3191	211	5	providers	provider	NOUN
fsr-3191	211	6	do	do	AUX
fsr-3191	211	7	actively	actively	ADV
fsr-3191	211	8	market	market	VERB
fsr-3191	211	9	their	their	PRON
fsr-3191	211	10	services	service	NOUN
fsr-3191	211	11	through	through	ADP
fsr-3191	211	12	multiple	multiple	ADJ
fsr-3191	211	13	channels	channel	NOUN
fsr-3191	211	14	.	.	PUNCT
fsr-3191	212	1	in	in	ADP
fsr-3191	212	2	some	some	DET
fsr-3191	212	3	cases	case	NOUN
fsr-3191	212	4	,	,	PUNCT
fsr-3191	212	5	participants	participant	NOUN
fsr-3191	212	6	may	may	AUX
fsr-3191	212	7	be	be	AUX
fsr-3191	212	8	unaware	unaware	ADJ
fsr-3191	212	9	that	that	SCONJ
fsr-3191	212	10	they	they	PRON
fsr-3191	212	11	could	could	AUX
fsr-3191	212	12	use	use	VERB
fsr-3191	212	13	their	their	PRON
fsr-3191	212	14	employer	employer	NOUN
fsr-3191	212	15	plans	plan	NOUN
fsr-3191	212	16	to	to	PART
fsr-3191	212	17	pay	pay	VERB
fsr-3191	212	18	them	they	PRON
fsr-3191	212	19	a	a	DET
fsr-3191	212	20	stream	stream	NOUN
fsr-3191	212	21	of	of	ADP
fsr-3191	212	22	income	income	NOUN
fsr-3191	212	23	in	in	ADP
fsr-3191	212	24	retirement	retirement	NOUN
fsr-3191	212	25	.	.	PUNCT
fsr-3191	213	1	and	and	CCONJ
fsr-3191	213	2	in	in	ADP
fsr-3191	213	3	other	other	ADJ
fsr-3191	213	4	cases	case	NOUN
fsr-3191	213	5	,	,	PUNCT
fsr-3191	213	6	retirees	retiree	NOUN
fsr-3191	213	7	might	might	AUX
fsr-3191	213	8	not	not	PART
fsr-3191	213	9	wish	wish	VERB
fsr-3191	213	10	to	to	PART
fsr-3191	213	11	have	have	VERB
fsr-3191	213	12	their	their	PRON
fsr-3191	213	13	retirement	retirement	NOUN
fsr-3191	213	14	assets	asset	NOUN
fsr-3191	213	15	tied	tie	VERB
fsr-3191	213	16	to	to	ADP
fsr-3191	213	17	former	former	ADJ
fsr-3191	213	18	employers	employer	NOUN
fsr-3191	213	19	and	and	CCONJ
fsr-3191	213	20	,	,	PUNCT
fsr-3191	213	21	therefore	therefore	ADV
fsr-3191	213	22	,	,	PUNCT
fsr-3191	213	23	they	they	PRON
fsr-3191	213	24	would	would	AUX
fsr-3191	213	25	prefer	prefer	VERB
fsr-3191	213	26	to	to	PART
fsr-3191	213	27	roll	roll	VERB
fsr-3191	213	28	the	the	DET
fsr-3191	213	29	money	money	NOUN
fsr-3191	213	30	into	into	ADP
fsr-3191	213	31	their	their	PRON
fsr-3191	213	32	personal	personal	ADJ
fsr-3191	213	33	iras	ira	NOUN
fsr-3191	213	34	after	after	ADP
fsr-3191	213	35	leaving	leave	VERB
fsr-3191	213	36	their	their	PRON
fsr-3191	213	37	firms	firm	NOUN
fsr-3191	213	38	.	.	PUNCT
fsr-3191	214	1	7.2	7.2	NUM
fsr-3191	214	2	.	.	PUNCT
fsr-3191	215	1	additional	additional	ADJ
fsr-3191	215	2	investment	investment	NOUN
fsr-3191	215	3	choices	choice	NOUN
fsr-3191	215	4	some	some	PRON
fsr-3191	215	5	see	see	VERB
fsr-3191	215	6	the	the	DET
fsr-3191	215	7	chance	chance	NOUN
fsr-3191	215	8	to	to	PART
fsr-3191	215	9	access	access	VERB
fsr-3191	215	10	a	a	DET
fsr-3191	215	11	wider	wide	ADJ
fsr-3191	215	12	range	range	NOUN
fsr-3191	215	13	of	of	ADP
fsr-3191	215	14	investment	investment	NOUN
fsr-3191	215	15	choices	choice	NOUN
fsr-3191	215	16	as	as	ADP
fsr-3191	215	17	an	an	DET
fsr-3191	215	18	advantage	advantage	NOUN
fsr-3191	215	19	of	of	ADP
fsr-3191	215	20	iras	ira	NOUN
fsr-3191	215	21	,	,	PUNCT
fsr-3191	215	22	compared	compare	VERB
fsr-3191	215	23	with	with	ADP
fsr-3191	215	24	401(k	401(k	NOUN
fsr-3191	215	25	)	)	PUNCT
fsr-3191	215	26	plans	plan	NOUN
fsr-3191	215	27	.	.	PUNCT
fsr-3191	216	1	in	in	ADP
fsr-3191	216	2	2017	2017	NUM
fsr-3191	216	3	,	,	PUNCT
fsr-3191	216	4	the	the	DET
fsr-3191	216	5	average	average	ADJ
fsr-3191	216	6	large	large	ADJ
fsr-3191	216	7	401(k	401(k	PROPN
fsr-3191	216	8	)	)	PUNCT
fsr-3191	216	9	plan	plan	NOUN
fsr-3191	216	10	offered	offer	VERB
fsr-3191	216	11	28	28	NUM
fsr-3191	216	12	investment	investment	NOUN
fsr-3191	216	13	options	option	NOUN
fsr-3191	216	14	,	,	PUNCT
fsr-3191	216	15	of	of	ADP
fsr-3191	216	16	which	which	PRON
fsr-3191	216	17	13	13	NUM
fsr-3191	216	18	were	be	AUX
fsr-3191	216	19	equity	equity	NOUN
fsr-3191	216	20	funds	fund	NOUN
fsr-3191	216	21	,	,	PUNCT
fsr-3191	216	22	three	three	NUM
fsr-3191	216	23	were	be	AUX
fsr-3191	216	24	bond	bond	NOUN
fsr-3191	216	25	funds	fund	NOUN
fsr-3191	216	26	,	,	PUNCT
fsr-3191	216	27	and	and	CCONJ
fsr-3191	216	28	eight	eight	NUM
fsr-3191	216	29	were	be	AUX
fsr-3191	216	30	target	target	NOUN
fsr-3191	216	31	date	date	NOUN
fsr-3191	216	32	funds	fund	NOUN
fsr-3191	216	33	.	.	PUNCT
fsr-3191	217	1	moreover	moreover	ADV
fsr-3191	217	2	,	,	PUNCT
fsr-3191	217	3	more	more	ADJ
fsr-3191	217	4	than	than	ADP
fsr-3191	217	5	four	four	NUM
fsr-3191	217	6	-	-	PUNCT
fsr-3191	217	7	fifths	fifth	NOUN
fsr-3191	217	8	of	of	ADP
fsr-3191	217	9	plans	plan	NOUN
fsr-3191	217	10	offered	offer	VERB
fsr-3191	217	11	target	target	NOUN
fsr-3191	217	12	date	date	NOUN
fsr-3191	217	13	funds	fund	NOUN
fsr-3191	217	14	(	(	PUNCT
fsr-3191	217	15	brightscope/	brightscope/	NUM
fsr-3191	217	16	investment	investment	NOUN
fsr-3191	217	17	company	company	NOUN
fsr-3191	217	18	institute	institute	NOUN
fsr-3191	217	19	,	,	PUNCT
fsr-3191	217	20	2020	2020	NUM
fsr-3191	217	21	)	)	PUNCT
fsr-3191	217	22	.	.	PUNCT
fsr-3191	218	1	by	by	ADP
fsr-3191	218	2	contrast	contrast	NOUN
fsr-3191	218	3	,	,	PUNCT
fsr-3191	218	4	iras	ira	NOUN
fsr-3191	218	5	can	can	AUX
fsr-3191	218	6	provide	provide	VERB
fsr-3191	218	7	access	access	NOUN
fsr-3191	218	8	to	to	ADP
fsr-3191	218	9	thousands	thousand	NOUN
fsr-3191	218	10	of	of	ADP
fsr-3191	218	11	different	different	ADJ
fsr-3191	218	12	investment	investment	NOUN
fsr-3191	218	13	funds	fund	NOUN
fsr-3191	218	14	,	,	PUNCT
fsr-3191	218	15	and	and	CCONJ
fsr-3191	218	16	they	they	PRON
fsr-3191	218	17	may	may	AUX
fsr-3191	218	18	also	also	ADV
fsr-3191	218	19	offer	offer	VERB
fsr-3191	218	20	access	access	NOUN
fsr-3191	218	21	to	to	ADP
fsr-3191	218	22	individual	individual	ADJ
fsr-3191	218	23	stock	stock	NOUN
fsr-3191	218	24	and	and	CCONJ
fsr-3191	218	25	bond	bond	NOUN
fsr-3191	218	26	purchases	purchase	NOUN
fsr-3191	218	27	(	(	PUNCT
fsr-3191	218	28	porter	porter	NOUN
fsr-3191	218	29	,	,	PUNCT
fsr-3191	218	30	2021	2021	NUM
fsr-3191	218	31	)	)	PUNCT
fsr-3191	218	32	.	.	PUNCT
fsr-3191	219	1	offsetting	offset	VERB
fsr-3191	219	2	that	that	DET
fsr-3191	219	3	argument	argument	NOUN
fsr-3191	219	4	,	,	PUNCT
fsr-3191	219	5	substantial	substantial	ADJ
fsr-3191	219	6	research	research	NOUN
fsr-3191	219	7	has	have	AUX
fsr-3191	219	8	shown	show	VERB
fsr-3191	219	9	that	that	SCONJ
fsr-3191	219	10	offering	offer	VERB
fsr-3191	219	11	fewer	few	ADJ
fsr-3191	219	12	choices	choice	NOUN
fsr-3191	219	13	may	may	AUX
fsr-3191	219	14	be	be	AUX
fsr-3191	219	15	better	well	ADJ
fsr-3191	219	16	for	for	ADP
fsr-3191	219	17	people	people	NOUN
fsr-3191	219	18	with	with	ADP
fsr-3191	219	19	low	low	ADJ
fsr-3191	219	20	financial	financial	ADJ
fsr-3191	219	21	literacy	literacy	NOUN
fsr-3191	219	22	,	,	PUNCT
fsr-3191	219	23	due	due	ADP
fsr-3191	219	24	to	to	ADP
fsr-3191	219	25	mental	mental	ADJ
fsr-3191	219	26	overload	overload	NOUN
fsr-3191	219	27	associated	associate	VERB
fsr-3191	219	28	with	with	ADP
fsr-3191	219	29	many	many	ADJ
fsr-3191	219	30	choices	choice	NOUN
fsr-3191	219	31	(	(	PUNCT
fsr-3191	219	32	carosa	carosa	NOUN
fsr-3191	219	33	,	,	PUNCT
fsr-3191	219	34	2011	2011	NUM
fsr-3191	219	35	;	;	PUNCT
fsr-3191	219	36	iyengar	iyengar	PROPN
fsr-3191	219	37	&	&	CCONJ
fsr-3191	219	38	lepper	lepper	PROPN
fsr-3191	219	39	,	,	PUNCT
fsr-3191	219	40	2000	2000	NUM
fsr-3191	219	41	)	)	PUNCT
fsr-3191	219	42	.	.	PUNCT
fsr-3191	220	1	specifically	specifically	ADV
fsr-3191	220	2	,	,	PUNCT
fsr-3191	220	3	offering	offer	VERB
fsr-3191	220	4	too	too	ADV
fsr-3191	220	5	many	many	ADJ
fsr-3191	220	6	investment	investment	NOUN
fsr-3191	220	7	options	option	NOUN
fsr-3191	220	8	in	in	ADP
fsr-3191	220	9	401(k	401(k	NOUN
fsr-3191	220	10	)	)	PUNCT
fsr-3191	220	11	plans	plan	NOUN
fsr-3191	220	12	can	can	AUX
fsr-3191	220	13	reduce	reduce	VERB
fsr-3191	220	14	participation	participation	NOUN
fsr-3191	220	15	rates	rate	NOUN
fsr-3191	220	16	(	(	PUNCT
fsr-3191	220	17	iyengar	iyengar	VERB
fsr-3191	220	18	et	et	PROPN
fsr-3191	220	19	al	al	PROPN
fsr-3191	220	20	.	.	PROPN
fsr-3191	220	21	,	,	PUNCT
fsr-3191	220	22	2004	2004	NUM
fsr-3191	220	23	)	)	PUNCT
fsr-3191	220	24	.	.	PUNCT
fsr-3191	221	1	moreover	moreover	ADV
fsr-3191	221	2	,	,	PUNCT
fsr-3191	221	3	shen	shen	PROPN
fsr-3191	221	4	and	and	CCONJ
fsr-3191	221	5	turner	turner	PROPN
fsr-3191	221	6	(	(	PUNCT
fsr-3191	221	7	2018	2018	NUM
fsr-3191	221	8	)	)	PUNCT
fsr-3191	221	9	found	find	VERB
fsr-3191	221	10	that	that	SCONJ
fsr-3191	221	11	participants	participant	NOUN
fsr-3191	221	12	do	do	AUX
fsr-3191	221	13	not	not	PART
fsr-3191	221	14	need	need	VERB
fsr-3191	221	15	very	very	ADV
fsr-3191	221	16	many	many	ADJ
fsr-3191	221	17	investment	investment	NOUN
fsr-3191	221	18	options	option	NOUN
fsr-3191	221	19	to	to	PART
fsr-3191	221	20	be	be	AUX
fsr-3191	221	21	adequately	adequately	ADV
fsr-3191	221	22	diversified	diversify	VERB
fsr-3191	221	23	.	.	PUNCT
fsr-3191	222	1	this	this	PRON
fsr-3191	222	2	was	be	AUX
fsr-3191	222	3	specifically	specifically	ADV
fsr-3191	222	4	the	the	DET
fsr-3191	222	5	case	case	NOUN
fsr-3191	222	6	in	in	ADP
fsr-3191	222	7	the	the	DET
fsr-3191	222	8	thrift	thrift	NOUN
fsr-3191	222	9	savings	saving	NOUN
fsr-3191	222	10	plan	plan	NOUN
fsr-3191	222	11	(	(	PUNCT
fsr-3191	222	12	2021	2021	NUM
fsr-3191	222	13	)	)	PUNCT
fsr-3191	222	14	that	that	PRON
fsr-3191	222	15	offered	offer	VERB
fsr-3191	222	16	only	only	ADV
fsr-3191	222	17	five	five	NUM
fsr-3191	222	18	diversified	diversified	ADJ
fsr-3191	222	19	funds	fund	NOUN
fsr-3191	222	20	to	to	ADP
fsr-3191	222	21	federal	federal	ADJ
fsr-3191	222	22	employees	employee	NOUN
fsr-3191	222	23	,	,	PUNCT
fsr-3191	222	24	the	the	DET
fsr-3191	222	25	military	military	NOUN
fsr-3191	222	26	,	,	PUNCT
fsr-3191	222	27	and	and	CCONJ
fsr-3191	222	28	members	member	NOUN
fsr-3191	222	29	of	of	ADP
fsr-3191	222	30	o.	o.	PROPN
fsr-3191	222	31	s.	s.	PROPN
fsr-3191	222	32	mitchell	mitchell	PROPN
fsr-3191	222	33	et	et	PROPN
fsr-3191	222	34	al	al	PROPN
fsr-3191	222	35	.	.	PUNCT
fsr-3191	222	36	/	/	SYM
fsr-3191	222	37	financial	financial	ADJ
fsr-3191	222	38	services	service	NOUN
fsr-3191	222	39	review	review	VERB
fsr-3191	222	40	31	31	NUM
fsr-3191	222	41	(	(	PUNCT
fsr-3191	222	42	2023	2023	NUM
fsr-3191	222	43	)	)	PUNCT
fsr-3191	222	44	1–21	1–21	PROPN
fsr-3191	222	45	11	11	NUM
fsr-3191	222	46	congress.6	congress.6	PROPN
fsr-3191	222	47	furthermore	furthermore	ADV
fsr-3191	222	48	,	,	PUNCT
fsr-3191	222	49	offering	offer	VERB
fsr-3191	222	50	a	a	DET
fsr-3191	222	51	wide	wide	ADJ
fsr-3191	222	52	range	range	NOUN
fsr-3191	222	53	of	of	ADP
fsr-3191	222	54	investment	investment	NOUN
fsr-3191	222	55	options	option	NOUN
fsr-3191	222	56	can	can	AUX
fsr-3191	222	57	increase	increase	VERB
fsr-3191	222	58	the	the	DET
fsr-3191	222	59	chances	chance	NOUN
fsr-3191	222	60	that	that	SCONJ
fsr-3191	222	61	participants	participant	NOUN
fsr-3191	222	62	will	will	AUX
fsr-3191	222	63	make	make	VERB
fsr-3191	222	64	risky	risky	ADJ
fsr-3191	222	65	investment	investment	NOUN
fsr-3191	222	66	choices	choice	NOUN
fsr-3191	222	67	that	that	PRON
fsr-3191	222	68	could	could	AUX
fsr-3191	222	69	endanger	endanger	VERB
fsr-3191	222	70	their	their	PRON
fsr-3191	222	71	retirement	retirement	NOUN
fsr-3191	222	72	security	security	NOUN
fsr-3191	222	73	.	.	PUNCT
fsr-3191	223	1	nowadays	nowadays	ADV
fsr-3191	223	2	,	,	PUNCT
fsr-3191	223	3	some	some	DET
fsr-3191	223	4	iras	ira	NOUN
fsr-3191	223	5	allow	allow	VERB
fsr-3191	223	6	participants	participant	NOUN
fsr-3191	223	7	to	to	PART
fsr-3191	223	8	invest	invest	VERB
fsr-3191	223	9	in	in	ADP
fsr-3191	223	10	stock	stock	NOUN
fsr-3191	223	11	options	option	NOUN
fsr-3191	223	12	(	(	PUNCT
fsr-3191	223	13	parker	parker	NOUN
fsr-3191	223	14	,	,	PUNCT
fsr-3191	223	15	2022	2022	NUM
fsr-3191	223	16	)	)	PUNCT
fsr-3191	223	17	,	,	PUNCT
fsr-3191	223	18	cryptocurrency	cryptocurrency	NOUN
fsr-3191	223	19	(	(	PUNCT
fsr-3191	223	20	bitcoinira	bitcoinira	NOUN
fsr-3191	223	21	,	,	PUNCT
fsr-3191	223	22	2022	2022	NUM
fsr-3191	223	23	)	)	PUNCT
fsr-3191	223	24	,	,	PUNCT
fsr-3191	223	25	and	and	CCONJ
fsr-3191	223	26	gold	gold	NOUN
fsr-3191	223	27	(	(	PUNCT
fsr-3191	223	28	best	good	ADJ
fsr-3191	223	29	,	,	PUNCT
fsr-3191	223	30	2022	2022	NUM
fsr-3191	223	31	)	)	PUNCT
fsr-3191	223	32	.	.	PUNCT
fsr-3191	224	1	it	it	PRON
fsr-3191	224	2	is	be	AUX
fsr-3191	224	3	unlikely	unlikely	ADJ
fsr-3191	224	4	that	that	SCONJ
fsr-3191	224	5	most	most	ADJ
fsr-3191	224	6	401(k	401(k	NOUN
fsr-3191	224	7	)	)	PUNCT
fsr-3191	224	8	participants	participant	NOUN
fsr-3191	224	9	would	would	AUX
fsr-3191	224	10	benefit	benefit	VERB
fsr-3191	224	11	from	from	ADP
fsr-3191	224	12	such	such	ADJ
fsr-3191	224	13	highly	highly	ADV
fsr-3191	224	14	risky	risky	ADJ
fsr-3191	224	15	assets	asset	NOUN
fsr-3191	224	16	that	that	PRON
fsr-3191	224	17	require	require	VERB
fsr-3191	224	18	substantial	substantial	ADJ
fsr-3191	224	19	financial	financial	ADJ
fsr-3191	224	20	sophistication	sophistication	NOUN
fsr-3191	224	21	to	to	PART
fsr-3191	224	22	manage	manage	VERB
fsr-3191	224	23	effectively	effectively	ADV
fsr-3191	224	24	.	.	PUNCT
fsr-3191	225	1	offsetting	offset	VERB
fsr-3191	225	2	the	the	DET
fsr-3191	225	3	appeal	appeal	NOUN
fsr-3191	225	4	of	of	ADP
fsr-3191	225	5	more	more	ADJ
fsr-3191	225	6	funds	fund	NOUN
fsr-3191	225	7	available	available	ADJ
fsr-3191	225	8	in	in	ADP
fsr-3191	225	9	iras	ira	NOUN
fsr-3191	225	10	versus	versus	ADP
fsr-3191	225	11	401(k	401(k	PROPN
fsr-3191	225	12	)	)	PUNCT
fsr-3191	225	13	plans	plan	NOUN
fsr-3191	225	14	,	,	PUNCT
fsr-3191	225	15	401(k)s	401(k)s	PROPN
fsr-3191	225	16	can	can	AUX
fsr-3191	225	17	also	also	ADV
fsr-3191	225	18	offer	offer	VERB
fsr-3191	225	19	investments	investment	NOUN
fsr-3191	225	20	frequently	frequently	ADV
fsr-3191	225	21	unavailable	unavailable	ADJ
fsr-3191	225	22	in	in	ADP
fsr-3191	225	23	iras	ira	NOUN
fsr-3191	225	24	.	.	PUNCT
fsr-3191	226	1	specifically	specifically	ADV
fsr-3191	226	2	,	,	PUNCT
fsr-3191	226	3	401(k	401(k	PROPN
fsr-3191	226	4	)	)	PUNCT
fsr-3191	226	5	plans	plan	NOUN
fsr-3191	226	6	can	can	AUX
fsr-3191	226	7	offer	offer	VERB
fsr-3191	226	8	less	less	ADV
fsr-3191	226	9	expensive	expensive	ADJ
fsr-3191	226	10	institutionally	institutionally	ADV
fsr-3191	226	11	priced	price	VERB
fsr-3191	226	12	mutual	mutual	ADJ
fsr-3191	226	13	funds	fund	NOUN
fsr-3191	226	14	and	and	CCONJ
fsr-3191	226	15	collective	collective	ADJ
fsr-3191	226	16	investment	investment	NOUN
fsr-3191	226	17	trusts	trust	NOUN
fsr-3191	226	18	,	,	PUNCT
fsr-3191	226	19	and	and	CCONJ
fsr-3191	226	20	they	they	PRON
fsr-3191	226	21	may	may	AUX
fsr-3191	226	22	also	also	ADV
fsr-3191	226	23	include	include	VERB
fsr-3191	226	24	stable	stable	ADJ
fsr-3191	226	25	value	value	NOUN
fsr-3191	226	26	funds	fund	NOUN
fsr-3191	226	27	and	and	CCONJ
fsr-3191	226	28	guaranteed	guarantee	VERB
fsr-3191	226	29	investment	investment	NOUN
fsr-3191	226	30	contracts	contract	NOUN
fsr-3191	226	31	not	not	PART
fsr-3191	226	32	usually	usually	ADV
fsr-3191	226	33	available	available	ADJ
fsr-3191	226	34	outside	outside	ADP
fsr-3191	226	35	employer	employer	NOUN
fsr-3191	226	36	-	-	PUNCT
fsr-3191	226	37	provided	provide	VERB
fsr-3191	226	38	plans	plan	NOUN
fsr-3191	226	39	.	.	PUNCT
fsr-3191	227	1	many	many	ADJ
fsr-3191	227	2	large	large	ADJ
fsr-3191	227	3	401(k	401(k	NOUN
fsr-3191	227	4	)	)	PUNCT
fsr-3191	227	5	plans	plan	NOUN
fsr-3191	227	6	also	also	ADV
fsr-3191	227	7	offer	offer	VERB
fsr-3191	227	8	brokerage	brokerage	NOUN
fsr-3191	227	9	windows	window	NOUN
fsr-3191	227	10	through	through	ADP
fsr-3191	227	11	which	which	PRON
fsr-3191	227	12	participants	participant	NOUN
fsr-3191	227	13	can	can	AUX
fsr-3191	227	14	access	access	VERB
fsr-3191	227	15	most	most	ADJ
fsr-3191	227	16	of	of	ADP
fsr-3191	227	17	the	the	DET
fsr-3191	227	18	investment	investment	NOUN
fsr-3191	227	19	options	option	NOUN
fsr-3191	227	20	available	available	ADJ
fsr-3191	227	21	on	on	ADP
fsr-3191	227	22	providers	provider	NOUN
fsr-3191	227	23	’	'	PUNCT
fsr-3191	227	24	ira	ira	PROPN
fsr-3191	227	25	platforms.7	platforms.7	VERB
fsr-3191	227	26	7.3	7.3	NUM
fsr-3191	227	27	.	.	PUNCT
fsr-3191	228	1	account	account	NOUN
fsr-3191	228	2	consolidation	consolidation	NOUN
fsr-3191	228	3	another	another	DET
fsr-3191	228	4	rationale	rationale	NOUN
fsr-3191	228	5	for	for	ADP
fsr-3191	228	6	rolling	roll	VERB
fsr-3191	228	7	assets	asset	NOUN
fsr-3191	228	8	into	into	ADP
fsr-3191	228	9	iras	ira	NOUN
fsr-3191	228	10	after	after	SCONJ
fsr-3191	228	11	retirement	retirement	NOUN
fsr-3191	228	12	may	may	AUX
fsr-3191	228	13	be	be	AUX
fsr-3191	228	14	participants	participant	NOUN
fsr-3191	228	15	’	'	PUNCT
fsr-3191	228	16	desire	desire	NOUN
fsr-3191	228	17	for	for	ADP
fsr-3191	228	18	simplification	simplification	NOUN
fsr-3191	228	19	.	.	PUNCT
fsr-3191	229	1	although	although	SCONJ
fsr-3191	229	2	it	it	PRON
fsr-3191	229	3	is	be	AUX
fsr-3191	229	4	usually	usually	ADV
fsr-3191	229	5	possible	possible	ADJ
fsr-3191	229	6	to	to	PART
fsr-3191	229	7	transfer	transfer	VERB
fsr-3191	229	8	assets	asset	NOUN
fsr-3191	229	9	from	from	ADP
fsr-3191	229	10	one	one	NUM
fsr-3191	229	11	401(k	401(k	NOUN
fsr-3191	229	12	)	)	PUNCT
fsr-3191	229	13	plan	plan	NOUN
fsr-3191	229	14	to	to	ADP
fsr-3191	229	15	another	another	PRON
fsr-3191	229	16	if	if	SCONJ
fsr-3191	229	17	the	the	DET
fsr-3191	229	18	saver	saver	NOUN
fsr-3191	229	19	continues	continue	VERB
fsr-3191	229	20	to	to	PART
fsr-3191	229	21	work	work	VERB
fsr-3191	229	22	,	,	PUNCT
fsr-3191	229	23	the	the	DET
fsr-3191	229	24	process	process	NOUN
fsr-3191	229	25	can	can	AUX
fsr-3191	229	26	be	be	AUX
fsr-3191	229	27	laborious	laborious	ADJ
fsr-3191	229	28	.	.	PUNCT
fsr-3191	230	1	by	by	ADP
fsr-3191	230	2	contrast	contrast	NOUN
fsr-3191	230	3	,	,	PUNCT
fsr-3191	230	4	rolling	roll	VERB
fsr-3191	230	5	assets	asset	NOUN
fsr-3191	230	6	from	from	ADP
fsr-3191	230	7	a	a	DET
fsr-3191	230	8	401(k	401(k	PROPN
fsr-3191	230	9	)	)	PUNCT
fsr-3191	230	10	to	to	ADP
fsr-3191	230	11	an	an	DET
fsr-3191	230	12	ira	ira	PROPN
fsr-3191	230	13	is	be	AUX
fsr-3191	230	14	relatively	relatively	ADV
fsr-3191	230	15	easy	easy	ADJ
fsr-3191	230	16	at	at	ADP
fsr-3191	230	17	retirement	retirement	NOUN
fsr-3191	230	18	.	.	PUNCT
fsr-3191	231	1	as	as	ADP
fsr-3191	231	2	an	an	DET
fsr-3191	231	3	example	example	NOUN
fsr-3191	231	4	,	,	PUNCT
fsr-3191	231	5	when	when	SCONJ
fsr-3191	231	6	a	a	DET
fsr-3191	231	7	retiree	retiree	NOUN
fsr-3191	231	8	has	have	AUX
fsr-3191	231	9	accumulated	accumulate	VERB
fsr-3191	231	10	assets	asset	NOUN
fsr-3191	231	11	in	in	ADP
fsr-3191	231	12	several	several	ADJ
fsr-3191	231	13	401(k	401(k	NOUN
fsr-3191	231	14	)	)	PUNCT
fsr-3191	231	15	plans	plan	NOUN
fsr-3191	231	16	over	over	ADP
fsr-3191	231	17	a	a	DET
fsr-3191	231	18	long	long	ADJ
fsr-3191	231	19	career	career	NOUN
fsr-3191	231	20	,	,	PUNCT
fsr-3191	231	21	consolidating	consolidate	VERB
fsr-3191	231	22	them	they	PRON
fsr-3191	231	23	all	all	PRON
fsr-3191	231	24	into	into	ADP
fsr-3191	231	25	a	a	DET
fsr-3191	231	26	single	single	ADJ
fsr-3191	231	27	ira	ira	PROPN
fsr-3191	231	28	could	could	AUX
fsr-3191	231	29	be	be	AUX
fsr-3191	231	30	an	an	DET
fsr-3191	231	31	attractive	attractive	ADJ
fsr-3191	231	32	option	option	NOUN
fsr-3191	231	33	.	.	PUNCT
fsr-3191	232	1	unsurprisingly	unsurprisingly	ADV
fsr-3191	232	2	,	,	PUNCT
fsr-3191	232	3	participants	participant	NOUN
fsr-3191	232	4	who	who	PRON
fsr-3191	232	5	have	have	VERB
fsr-3191	232	6	existing	exist	VERB
fsr-3191	232	7	iras	ira	NOUN
fsr-3191	232	8	are	be	AUX
fsr-3191	232	9	more	more	ADJ
fsr-3191	232	10	than	than	ADP
fsr-3191	232	11	twice	twice	ADV
fsr-3191	232	12	as	as	ADV
fsr-3191	232	13	likely	likely	ADJ
fsr-3191	232	14	(	(	PUNCT
fsr-3191	232	15	41	41	NUM
fsr-3191	232	16	%	%	NOUN
fsr-3191	232	17	)	)	PUNCT
fsr-3191	232	18	to	to	PART
fsr-3191	232	19	roll	roll	VERB
fsr-3191	232	20	their	their	PRON
fsr-3191	232	21	assets	asset	NOUN
fsr-3191	232	22	into	into	ADP
fsr-3191	232	23	iras	ira	NOUN
fsr-3191	232	24	when	when	SCONJ
fsr-3191	232	25	leaving	leave	VERB
fsr-3191	232	26	their	their	PRON
fsr-3191	232	27	employers	employer	NOUN
fsr-3191	232	28	,	,	PUNCT
fsr-3191	232	29	compared	compare	VERB
fsr-3191	232	30	with	with	ADP
fsr-3191	232	31	participants	participant	NOUN
fsr-3191	232	32	who	who	PRON
fsr-3191	232	33	did	do	AUX
fsr-3191	232	34	not	not	PART
fsr-3191	232	35	previously	previously	ADV
fsr-3191	232	36	have	have	VERB
fsr-3191	232	37	iras	ira	NOUN
fsr-3191	232	38	(	(	PUNCT
fsr-3191	232	39	19.5	19.5	NUM
fsr-3191	232	40	%	%	NOUN
fsr-3191	232	41	;	;	PUNCT
fsr-3191	232	42	the	the	DET
fsr-3191	232	43	pew	pew	NOUN
fsr-3191	232	44	charitable	charitable	ADJ
fsr-3191	232	45	trusts	trust	NOUN
fsr-3191	232	46	,	,	PUNCT
fsr-3191	232	47	2021	2021	NUM
fsr-3191	232	48	)	)	PUNCT
fsr-3191	232	49	.	.	PUNCT
fsr-3191	233	1	7.4	7.4	NUM
fsr-3191	233	2	.	.	PUNCT
fsr-3191	234	1	more	more	ADV
fsr-3191	234	2	flexible	flexible	ADJ
fsr-3191	234	3	access	access	NOUN
fsr-3191	234	4	to	to	ADP
fsr-3191	234	5	savings	saving	NOUN
fsr-3191	234	6	while	while	SCONJ
fsr-3191	234	7	almost	almost	ADV
fsr-3191	234	8	all	all	PRON
fsr-3191	234	9	401(k	401(k	NOUN
fsr-3191	234	10	)	)	PUNCT
fsr-3191	234	11	plans	plan	NOUN
fsr-3191	234	12	allow	allow	VERB
fsr-3191	234	13	participants	participant	NOUN
fsr-3191	234	14	to	to	PART
fsr-3191	234	15	stay	stay	VERB
fsr-3191	234	16	in	in	ADP
fsr-3191	234	17	their	their	PRON
fsr-3191	234	18	employer	employer	NOUN
fsr-3191	234	19	plans	plan	NOUN
fsr-3191	234	20	after	after	ADP
fsr-3191	234	21	retirement	retirement	NOUN
fsr-3191	234	22	,	,	PUNCT
fsr-3191	234	23	many	many	ADJ
fsr-3191	234	24	still	still	ADV
fsr-3191	234	25	place	place	VERB
fsr-3191	234	26	limitations	limitation	NOUN
fsr-3191	234	27	on	on	ADP
fsr-3191	234	28	how	how	SCONJ
fsr-3191	234	29	often	often	ADV
fsr-3191	234	30	participants	participant	NOUN
fsr-3191	234	31	can	can	AUX
fsr-3191	234	32	access	access	VERB
fsr-3191	234	33	their	their	PRON
fsr-3191	234	34	savings	saving	NOUN
fsr-3191	234	35	.	.	PUNCT
fsr-3191	235	1	according	accord	VERB
fsr-3191	235	2	to	to	ADP
fsr-3191	235	3	one	one	NUM
fsr-3191	235	4	large	large	ADJ
fsr-3191	235	5	recordkeeper	recordkeeper	NOUN
fsr-3191	235	6	(	(	PUNCT
fsr-3191	235	7	vanguard	vanguard	NOUN
fsr-3191	235	8	,	,	PUNCT
fsr-3191	235	9	2021b	2021b	NUM
fsr-3191	235	10	)	)	PUNCT
fsr-3191	235	11	,	,	PUNCT
fsr-3191	235	12	80	80	NUM
fsr-3191	235	13	%	%	NOUN
fsr-3191	235	14	of	of	ADP
fsr-3191	235	15	the	the	DET
fsr-3191	235	16	participants	participant	NOUN
fsr-3191	235	17	on	on	ADP
fsr-3191	235	18	its	its	PRON
fsr-3191	235	19	platform	platform	NOUN
fsr-3191	235	20	are	be	AUX
fsr-3191	235	21	in	in	ADP
fsr-3191	235	22	plans	plan	NOUN
fsr-3191	235	23	that	that	PRON
fsr-3191	235	24	offer	offer	VERB
fsr-3191	235	25	installment	installment	NOUN
fsr-3191	235	26	payments	payment	NOUN
fsr-3191	235	27	other	other	ADJ
fsr-3191	235	28	than	than	ADP
fsr-3191	235	29	required	require	VERB
fsr-3191	235	30	minimum	minimum	ADJ
fsr-3191	235	31	distributions	distribution	NOUN
fsr-3191	235	32	(	(	PUNCT
fsr-3191	235	33	rmds	rmds	NOUN
fsr-3191	235	34	)	)	PUNCT
fsr-3191	235	35	,	,	PUNCT
fsr-3191	235	36	yet	yet	ADV
fsr-3191	235	37	only14	only14	NOUN
fsr-3191	235	38	%	%	NOUN
fsr-3191	235	39	are	be	AUX
fsr-3191	235	40	in	in	ADP
fsr-3191	235	41	plans	plan	NOUN
fsr-3191	235	42	that	that	PRON
fsr-3191	235	43	offer	offer	VERB
fsr-3191	235	44	annuities	annuity	NOUN
fsr-3191	235	45	.	.	PUNCT
fsr-3191	236	1	additionally	additionally	ADV
fsr-3191	236	2	,	,	PUNCT
fsr-3191	236	3	71	71	NUM
fsr-3191	236	4	%	%	NOUN
fsr-3191	236	5	of	of	ADP
fsr-3191	236	6	all	all	DET
fsr-3191	236	7	participants	participant	NOUN
fsr-3191	236	8	have	have	VERB
fsr-3191	236	9	access	access	NOUN
fsr-3191	236	10	to	to	ADP
fsr-3191	236	11	some	some	DET
fsr-3191	236	12	level	level	NOUN
fsr-3191	236	13	of	of	ADP
fsr-3191	236	14	ad	ad	X
fsr-3191	236	15	hoc	hoc	X
fsr-3191	236	16	partial	partial	ADJ
fsr-3191	236	17	distributions	distribution	NOUN
fsr-3191	236	18	,	,	PUNCT
fsr-3191	236	19	although	although	SCONJ
fsr-3191	236	20	this	this	DET
fsr-3191	236	21	feature	feature	NOUN
fsr-3191	236	22	is	be	AUX
fsr-3191	236	23	most	most	ADV
fsr-3191	236	24	prevalent	prevalent	ADJ
fsr-3191	236	25	in	in	ADP
fsr-3191	236	26	the	the	DET
fsr-3191	236	27	very	very	ADV
fsr-3191	236	28	largest	large	ADJ
fsr-3191	236	29	plans	plan	NOUN
fsr-3191	236	30	.	.	PUNCT
fsr-3191	237	1	plans	plan	NOUN
fsr-3191	237	2	can	can	AUX
fsr-3191	237	3	also	also	ADV
fsr-3191	237	4	limit	limit	VERB
fsr-3191	237	5	the	the	DET
fsr-3191	237	6	number	number	NOUN
fsr-3191	237	7	of	of	ADP
fsr-3191	237	8	partial	partial	ADJ
fsr-3191	237	9	distributions	distribution	NOUN
fsr-3191	237	10	available	available	ADJ
fsr-3191	237	11	to	to	ADP
fsr-3191	237	12	participants	participant	NOUN
fsr-3191	237	13	,	,	PUNCT
fsr-3191	237	14	and	and	CCONJ
fsr-3191	237	15	recordkeepers	recordkeeper	NOUN
fsr-3191	237	16	may	may	AUX
fsr-3191	237	17	charge	charge	VERB
fsr-3191	237	18	separately	separately	ADV
fsr-3191	237	19	for	for	ADP
fsr-3191	237	20	each	each	DET
fsr-3191	237	21	distribution	distribution	NOUN
fsr-3191	237	22	.	.	PUNCT
fsr-3191	238	1	for	for	ADP
fsr-3191	238	2	these	these	DET
fsr-3191	238	3	reasons	reason	NOUN
fsr-3191	238	4	,	,	PUNCT
fsr-3191	238	5	participants	participant	NOUN
fsr-3191	238	6	who	who	PRON
fsr-3191	238	7	need	need	VERB
fsr-3191	238	8	to	to	PART
fsr-3191	238	9	use	use	VERB
fsr-3191	238	10	their	their	PRON
fsr-3191	238	11	savings	saving	NOUN
fsr-3191	238	12	to	to	PART
fsr-3191	238	13	fund	fund	VERB
fsr-3191	238	14	spending	spending	NOUN
fsr-3191	238	15	needs	need	NOUN
fsr-3191	238	16	in	in	ADP
fsr-3191	238	17	early	early	ADJ
fsr-3191	238	18	retirement	retirement	NOUN
fsr-3191	238	19	,	,	PUNCT
fsr-3191	238	20	rather	rather	ADV
fsr-3191	238	21	than	than	ADP
fsr-3191	238	22	preserving	preserve	VERB
fsr-3191	238	23	them	they	PRON
fsr-3191	238	24	as	as	ADP
fsr-3191	238	25	a	a	DET
fsr-3191	238	26	contingency	contingency	NOUN
fsr-3191	238	27	fund	fund	NOUN
fsr-3191	238	28	,	,	PUNCT
fsr-3191	238	29	may	may	AUX
fsr-3191	238	30	find	find	VERB
fsr-3191	238	31	the	the	DET
fsr-3191	238	32	distribution	distribution	NOUN
fsr-3191	238	33	options	option	NOUN
fsr-3191	238	34	offered	offer	VERB
fsr-3191	238	35	by	by	ADP
fsr-3191	238	36	401(k	401(k	NOUN
fsr-3191	238	37	)	)	PUNCT
fsr-3191	238	38	plans	plan	VERB
fsr-3191	238	39	overly	overly	ADV
fsr-3191	238	40	restrictive	restrictive	ADJ
fsr-3191	238	41	.	.	PUNCT
fsr-3191	239	1	this	this	PRON
fsr-3191	239	2	is	be	AUX
fsr-3191	239	3	most	most	ADV
fsr-3191	239	4	likely	likely	ADJ
fsr-3191	239	5	to	to	PART
fsr-3191	239	6	be	be	AUX
fsr-3191	239	7	the	the	DET
fsr-3191	239	8	case	case	NOUN
fsr-3191	239	9	for	for	ADP
fsr-3191	239	10	low	low	ADJ
fsr-3191	239	11	balance	balance	NOUN
fsr-3191	239	12	participants	participant	NOUN
fsr-3191	239	13	.	.	PUNCT
fsr-3191	240	1	indeed	indeed	ADV
fsr-3191	240	2	,	,	PUNCT
fsr-3191	240	3	according	accord	VERB
fsr-3191	240	4	to	to	ADP
fsr-3191	240	5	one	one	NUM
fsr-3191	240	6	survey	survey	NOUN
fsr-3191	240	7	(	(	PUNCT
fsr-3191	240	8	the	the	DET
fsr-3191	240	9	pew	pew	NOUN
fsr-3191	240	10	charitable	charitable	ADJ
fsr-3191	240	11	trusts	trust	NOUN
fsr-3191	240	12	,	,	PUNCT
fsr-3191	240	13	2021	2021	NUM
fsr-3191	240	14	)	)	PUNCT
fsr-3191	240	15	,	,	PUNCT
fsr-3191	240	16	only	only	ADV
fsr-3191	240	17	24	24	NUM
fsr-3191	240	18	%	%	NOUN
fsr-3191	240	19	of	of	ADP
fsr-3191	240	20	participants	participant	NOUN
fsr-3191	240	21	with	with	ADP
fsr-3191	240	22	balances	balance	NOUN
fsr-3191	240	23	between	between	ADP
fsr-3191	240	24	$	$	SYM
fsr-3191	240	25	5,000–$25,000	5,000–$25,000	NUM
fsr-3191	240	26	left	leave	VERB
fsr-3191	240	27	their	their	PRON
fsr-3191	240	28	assets	asset	NOUN
fsr-3191	240	29	in	in	ADP
fsr-3191	240	30	their	their	PRON
fsr-3191	240	31	401(k	401(k	NOUN
fsr-3191	240	32	)	)	PUNCT
fsr-3191	240	33	plans	plan	NOUN
fsr-3191	240	34	when	when	SCONJ
fsr-3191	240	35	leaving	leave	VERB
fsr-3191	240	36	their	their	PRON
fsr-3191	240	37	employers	employer	NOUN
fsr-3191	240	38	,	,	PUNCT
fsr-3191	240	39	compared	compare	VERB
fsr-3191	240	40	with	with	ADP
fsr-3191	240	41	36.5	36.5	NUM
fsr-3191	240	42	%	%	NOUN
fsr-3191	240	43	of	of	ADP
fsr-3191	240	44	those	those	PRON
fsr-3191	240	45	with	with	ADP
fsr-3191	240	46	balances	balance	NOUN
fsr-3191	240	47	over	over	ADP
fsr-3191	240	48	$	$	SYM
fsr-3191	240	49	100,000	100,000	NUM
fsr-3191	240	50	.	.	PUNCT
fsr-3191	241	1	among	among	ADP
fsr-3191	241	2	low	low	ADJ
fsr-3191	241	3	balance	balance	NOUN
fsr-3191	241	4	participants	participant	NOUN
fsr-3191	241	5	,	,	PUNCT
fsr-3191	241	6	33	33	NUM
fsr-3191	241	7	%	%	NOUN
fsr-3191	241	8	rolled	roll	VERB
fsr-3191	241	9	their	their	PRON
fsr-3191	241	10	assets	asset	NOUN
fsr-3191	241	11	to	to	ADP
fsr-3191	241	12	iras	ira	NOUN
fsr-3191	241	13	,	,	PUNCT
fsr-3191	241	14	versus	versus	SCONJ
fsr-3191	241	15	12	12	NUM
fsr-3191	241	16	o.	o.	PROPN
fsr-3191	241	17	s.	s.	PROPN
fsr-3191	241	18	mitchell	mitchell	PROPN
fsr-3191	241	19	et	et	PROPN
fsr-3191	241	20	al	al	PROPN
fsr-3191	241	21	.	.	PUNCT
fsr-3191	241	22	/	/	SYM
fsr-3191	241	23	financial	financial	ADJ
fsr-3191	241	24	services	service	NOUN
fsr-3191	241	25	review	review	VERB
fsr-3191	241	26	31	31	NUM
fsr-3191	241	27	(	(	PUNCT
fsr-3191	241	28	2023	2023	NUM
fsr-3191	241	29	)	)	PUNCT
fsr-3191	241	30	1–21	1–21	PROPN
fsr-3191	241	31	28	28	NUM
fsr-3191	241	32	%	%	NOUN
fsr-3191	241	33	of	of	ADP
fsr-3191	241	34	participants	participant	NOUN
fsr-3191	241	35	with	with	ADP
fsr-3191	241	36	assets	asset	NOUN
fsr-3191	241	37	over	over	ADP
fsr-3191	241	38	$	$	SYM
fsr-3191	241	39	100,000	100,000	NUM
fsr-3191	241	40	.	.	PUNCT
fsr-3191	242	1	the	the	DET
fsr-3191	242	2	biggest	big	ADJ
fsr-3191	242	3	difference	difference	NOUN
fsr-3191	242	4	was	be	AUX
fsr-3191	242	5	in	in	ADP
fsr-3191	242	6	the	the	DET
fsr-3191	242	7	share	share	NOUN
fsr-3191	242	8	of	of	ADP
fsr-3191	242	9	lump	lump	NOUN
fsr-3191	242	10	sum	sum	NOUN
fsr-3191	242	11	withdrawals	withdrawal	NOUN
fsr-3191	242	12	:	:	PUNCT
fsr-3191	242	13	30	30	NUM
fsr-3191	242	14	%	%	NOUN
fsr-3191	242	15	of	of	ADP
fsr-3191	242	16	low	low	ADJ
fsr-3191	242	17	balance	balance	NOUN
fsr-3191	242	18	participants	participant	NOUN
fsr-3191	242	19	took	take	VERB
fsr-3191	242	20	lump	lump	NOUN
fsr-3191	242	21	sum	sum	NOUN
fsr-3191	242	22	withdrawals	withdrawal	NOUN
fsr-3191	242	23	,	,	PUNCT
fsr-3191	242	24	compared	compare	VERB
fsr-3191	242	25	with	with	ADP
fsr-3191	242	26	only	only	ADV
fsr-3191	242	27	8	8	NUM
fsr-3191	242	28	%	%	NOUN
fsr-3191	242	29	of	of	ADP
fsr-3191	242	30	participants	participant	NOUN
fsr-3191	242	31	with	with	ADP
fsr-3191	242	32	assets	asset	NOUN
fsr-3191	242	33	over	over	ADP
fsr-3191	242	34	$	$	SYM
fsr-3191	242	35	100,000.8	100,000.8	NUM
fsr-3191	242	36	7.5	7.5	NUM
fsr-3191	242	37	.	.	PUNCT
fsr-3191	243	1	annuities	annuity	NOUN
fsr-3191	243	2	there	there	PRON
fsr-3191	243	3	is	be	AUX
fsr-3191	243	4	increasing	increase	VERB
fsr-3191	243	5	interest	interest	NOUN
fsr-3191	243	6	among	among	ADP
fsr-3191	243	7	policy	policy	NOUN
fsr-3191	243	8	analysts	analyst	NOUN
fsr-3191	243	9	and	and	CCONJ
fsr-3191	243	10	researchers	researcher	NOUN
fsr-3191	243	11	in	in	ADP
fsr-3191	243	12	ways	way	NOUN
fsr-3191	243	13	to	to	PART
fsr-3191	243	14	help	help	VERB
fsr-3191	243	15	protect	protect	VERB
fsr-3191	243	16	retirement	retirement	NOUN
fsr-3191	243	17	savers	saver	NOUN
fsr-3191	243	18	against	against	ADP
fsr-3191	243	19	longevity	longevity	NOUN
fsr-3191	243	20	risk	risk	NOUN
fsr-3191	243	21	(	(	PUNCT
fsr-3191	243	22	the	the	DET
fsr-3191	243	23	risk	risk	NOUN
fsr-3191	243	24	associated	associate	VERB
fsr-3191	243	25	with	with	ADP
fsr-3191	243	26	outliving	outlive	VERB
fsr-3191	243	27	their	their	PRON
fsr-3191	243	28	assets	asset	NOUN
fsr-3191	243	29	in	in	ADP
fsr-3191	243	30	old	old	ADJ
fsr-3191	243	31	age	age	NOUN
fsr-3191	243	32	)	)	PUNCT
fsr-3191	243	33	.	.	PUNCT
fsr-3191	244	1	a	a	DET
fsr-3191	244	2	natural	natural	ADJ
fsr-3191	244	3	way	way	NOUN
fsr-3191	244	4	to	to	PART
fsr-3191	244	5	insure	insure	VERB
fsr-3191	244	6	against	against	ADP
fsr-3191	244	7	this	this	DET
fsr-3191	244	8	risk	risk	NOUN
fsr-3191	244	9	is	be	AUX
fsr-3191	244	10	to	to	PART
fsr-3191	244	11	include	include	VERB
fsr-3191	244	12	annuities	annuity	NOUN
fsr-3191	244	13	in	in	ADP
fsr-3191	244	14	401(k	401(k	NOUN
fsr-3191	244	15	)	)	PUNCT
fsr-3191	244	16	lineups	lineup	NOUN
fsr-3191	244	17	that	that	PRON
fsr-3191	244	18	promise	promise	VERB
fsr-3191	244	19	to	to	PART
fsr-3191	244	20	pay	pay	VERB
fsr-3191	244	21	income	income	NOUN
fsr-3191	244	22	checks	check	NOUN
fsr-3191	244	23	for	for	ADP
fsr-3191	244	24	life	life	NOUN
fsr-3191	244	25	.	.	PUNCT
fsr-3191	245	1	to	to	ADP
fsr-3191	245	2	date	date	NOUN
fsr-3191	245	3	,	,	PUNCT
fsr-3191	245	4	however	however	ADV
fsr-3191	245	5	,	,	PUNCT
fsr-3191	245	6	relatively	relatively	ADV
fsr-3191	245	7	few	few	ADJ
fsr-3191	245	8	401(k	401(k	NOUN
fsr-3191	245	9	)	)	PUNCT
fsr-3191	245	10	plans	plan	NOUN
fsr-3191	245	11	have	have	AUX
fsr-3191	245	12	offered	offer	VERB
fsr-3191	245	13	annuities	annuity	NOUN
fsr-3191	245	14	,	,	PUNCT
fsr-3191	245	15	though	though	SCONJ
fsr-3191	245	16	some	some	DET
fsr-3191	245	17	providers	provider	NOUN
fsr-3191	245	18	are	be	AUX
fsr-3191	245	19	beginning	begin	VERB
fsr-3191	245	20	to	to	PART
fsr-3191	245	21	integrate	integrate	VERB
fsr-3191	245	22	these	these	DET
fsr-3191	245	23	insurance	insurance	NOUN
fsr-3191	245	24	products	product	NOUN
fsr-3191	245	25	into	into	ADP
fsr-3191	245	26	target	target	NOUN
fsr-3191	245	27	date	date	NOUN
fsr-3191	245	28	funds	fund	NOUN
fsr-3191	245	29	(	(	PUNCT
fsr-3191	245	30	dierking	dierking	NOUN
fsr-3191	245	31	,	,	PUNCT
fsr-3191	245	32	2017	2017	NUM
fsr-3191	245	33	)	)	PUNCT
fsr-3191	245	34	.	.	PUNCT
fsr-3191	246	1	one	one	NUM
fsr-3191	246	2	large	large	ADJ
fsr-3191	246	3	plan	plan	NOUN
fsr-3191	246	4	recordkeeper	recordkeeper	NOUN
fsr-3191	246	5	reported	report	VERB
fsr-3191	246	6	that	that	SCONJ
fsr-3191	246	7	14	14	NUM
fsr-3191	246	8	%	%	NOUN
fsr-3191	246	9	of	of	ADP
fsr-3191	246	10	its	its	PRON
fsr-3191	246	11	plans	plan	NOUN
fsr-3191	246	12	with	with	ADP
fsr-3191	246	13	5,000	5,000	NUM
fsr-3191	246	14	+	+	NUM
fsr-3191	246	15	participants	participant	NOUN
fsr-3191	246	16	and	and	CCONJ
fsr-3191	246	17	12	12	NUM
fsr-3191	246	18	%	%	NOUN
fsr-3191	246	19	of	of	ADP
fsr-3191	246	20	all	all	DET
fsr-3191	246	21	its	its	PRON
fsr-3191	246	22	plans	plan	NOUN
fsr-3191	246	23	offered	offer	VERB
fsr-3191	246	24	annuities	annuity	NOUN
fsr-3191	246	25	(	(	PUNCT
fsr-3191	246	26	vanguard	vanguard	NOUN
fsr-3191	246	27	,	,	PUNCT
fsr-3191	246	28	2021b	2021b	NUM
fsr-3191	246	29	)	)	PUNCT
fsr-3191	246	30	.	.	PUNCT
fsr-3191	247	1	also	also	ADV
fsr-3191	247	2	,	,	PUNCT
fsr-3191	247	3	recently	recently	ADV
fsr-3191	247	4	enacted	enact	VERB
fsr-3191	247	5	and	and	CCONJ
fsr-3191	247	6	proposed	propose	VERB
fsr-3191	247	7	legislation	legislation	NOUN
fsr-3191	247	8	such	such	ADJ
fsr-3191	247	9	as	as	ADP
fsr-3191	247	10	the	the	DET
fsr-3191	247	11	secure	secure	ADJ
fsr-3191	247	12	act	act	NOUN
fsr-3191	247	13	and	and	CCONJ
fsr-3191	247	14	the	the	DET
fsr-3191	247	15	secure	secure	ADJ
fsr-3191	247	16	2.0	2.0	NUM
fsr-3191	247	17	act	act	NOUN
fsr-3191	247	18	,	,	PUNCT
fsr-3191	247	19	include	include	VERB
fsr-3191	247	20	provisions	provision	NOUN
fsr-3191	247	21	making	make	VERB
fsr-3191	247	22	it	it	PRON
fsr-3191	247	23	easier	easy	ADJ
fsr-3191	247	24	for	for	SCONJ
fsr-3191	247	25	401(k	401(k	NOUN
fsr-3191	247	26	)	)	PUNCT
fsr-3191	247	27	plan	plan	NOUN
fsr-3191	247	28	sponsors	sponsor	NOUN
fsr-3191	247	29	to	to	PART
fsr-3191	247	30	offer	offer	VERB
fsr-3191	247	31	annuities	annuity	NOUN
fsr-3191	247	32	.	.	PUNCT
fsr-3191	248	1	the	the	DET
fsr-3191	248	2	reality	reality	NOUN
fsr-3191	248	3	is	be	AUX
fsr-3191	248	4	that	that	SCONJ
fsr-3191	248	5	ira	ira	PROPN
fsr-3191	248	6	holders	holder	NOUN
fsr-3191	248	7	can	can	AUX
fsr-3191	248	8	purchase	purchase	VERB
fsr-3191	248	9	annuities	annuity	NOUN
fsr-3191	248	10	more	more	ADV
fsr-3191	248	11	readily	readily	ADV
fsr-3191	248	12	than	than	ADP
fsr-3191	248	13	401(k	401(k	NOUN
fsr-3191	248	14	)	)	PUNCT
fsr-3191	248	15	participants	participant	NOUN
fsr-3191	248	16	can	can	AUX
fsr-3191	248	17	today	today	NOUN
fsr-3191	248	18	.	.	PUNCT
fsr-3191	249	1	nevertheless	nevertheless	ADV
fsr-3191	249	2	,	,	PUNCT
fsr-3191	249	3	the	the	DET
fsr-3191	249	4	take	take	NOUN
fsr-3191	249	5	-	-	PUNCT
fsr-3191	249	6	up	up	NOUN
fsr-3191	249	7	of	of	ADP
fsr-3191	249	8	annuity	annuity	NOUN
fsr-3191	249	9	products	product	NOUN
fsr-3191	249	10	in	in	ADP
fsr-3191	249	11	the	the	DET
fsr-3191	249	12	united	united	PROPN
fsr-3191	249	13	states	states	PROPN
fsr-3191	249	14	remains	remain	VERB
fsr-3191	249	15	low	low	ADJ
fsr-3191	249	16	.	.	PUNCT
fsr-3191	250	1	part	part	NOUN
fsr-3191	250	2	of	of	ADP
fsr-3191	250	3	the	the	DET
fsr-3191	250	4	reason	reason	NOUN
fsr-3191	250	5	may	may	AUX
fsr-3191	250	6	be	be	AUX
fsr-3191	250	7	that	that	PRON
fsr-3191	250	8	to	to	PART
fsr-3191	250	9	gain	gain	VERB
fsr-3191	250	10	an	an	DET
fsr-3191	250	11	accurate	accurate	ADJ
fsr-3191	250	12	understanding	understanding	NOUN
fsr-3191	250	13	of	of	ADP
fsr-3191	250	14	how	how	SCONJ
fsr-3191	250	15	annuities	annuity	NOUN
fsr-3191	250	16	work	work	VERB
fsr-3191	250	17	and	and	CCONJ
fsr-3191	250	18	appreciate	appreciate	VERB
fsr-3191	250	19	the	the	DET
fsr-3191	250	20	benefits	benefit	NOUN
fsr-3191	250	21	of	of	ADP
fsr-3191	250	22	owning	own	VERB
fsr-3191	250	23	them	they	PRON
fsr-3191	250	24	requires	require	VERB
fsr-3191	250	25	substantial	substantial	ADJ
fsr-3191	250	26	financial	financial	ADJ
fsr-3191	250	27	literacy	literacy	NOUN
fsr-3191	250	28	and	and	CCONJ
fsr-3191	250	29	active	active	ADJ
fsr-3191	250	30	education	education	NOUN
fsr-3191	250	31	by	by	ADP
fsr-3191	250	32	the	the	DET
fsr-3191	250	33	advisor	advisor	NOUN
fsr-3191	250	34	,	,	PUNCT
fsr-3191	250	35	on	on	ADP
fsr-3191	250	36	the	the	DET
fsr-3191	250	37	benefits	benefit	NOUN
fsr-3191	250	38	of	of	ADP
fsr-3191	250	39	owning	own	VERB
fsr-3191	250	40	an	an	DET
fsr-3191	250	41	annuity	annuity	NOUN
fsr-3191	250	42	(	(	PUNCT
fsr-3191	250	43	brown	brown	PROPN
fsr-3191	250	44	et	et	PROPN
fsr-3191	250	45	al	al	PROPN
fsr-3191	250	46	.	.	PROPN
fsr-3191	250	47	,	,	PUNCT
fsr-3191	250	48	2017	2017	NUM
fsr-3191	250	49	,	,	PUNCT
fsr-3191	250	50	2021	2021	NUM
fsr-3191	250	51	)	)	PUNCT
fsr-3191	250	52	.	.	PUNCT
fsr-3191	251	1	7.6	7.6	NUM
fsr-3191	251	2	.	.	PUNCT
fsr-3191	251	3	roth	roth	PROPN
fsr-3191	251	4	conversion	conversion	PROPN
fsr-3191	251	5	while	while	SCONJ
fsr-3191	251	6	this	this	DET
fsr-3191	251	7	paper	paper	NOUN
fsr-3191	251	8	focuses	focus	VERB
fsr-3191	251	9	on	on	ADP
fsr-3191	251	10	differences	difference	NOUN
fsr-3191	251	11	in	in	ADP
fsr-3191	251	12	fees	fee	NOUN
fsr-3191	251	13	,	,	PUNCT
fsr-3191	251	14	investment	investment	NOUN
fsr-3191	251	15	options	option	NOUN
fsr-3191	251	16	,	,	PUNCT
fsr-3191	251	17	access	access	NOUN
fsr-3191	251	18	to	to	ADP
fsr-3191	251	19	advice	advice	NOUN
fsr-3191	251	20	,	,	PUNCT
fsr-3191	251	21	fiduciary	fiduciary	ADJ
fsr-3191	251	22	protection	protection	NOUN
fsr-3191	251	23	,	,	PUNCT
fsr-3191	251	24	and	and	CCONJ
fsr-3191	251	25	disbursement	disbursement	NOUN
fsr-3191	251	26	options	option	NOUN
fsr-3191	251	27	,	,	PUNCT
fsr-3191	251	28	another	another	DET
fsr-3191	251	29	issue	issue	NOUN
fsr-3191	251	30	for	for	ADP
fsr-3191	251	31	some	some	DET
fsr-3191	251	32	participants	participant	NOUN
fsr-3191	251	33	may	may	AUX
fsr-3191	251	34	be	be	AUX
fsr-3191	251	35	the	the	DET
fsr-3191	251	36	tax	tax	NOUN
fsr-3191	251	37	treatment	treatment	NOUN
fsr-3191	251	38	of	of	ADP
fsr-3191	251	39	the	the	DET
fsr-3191	251	40	different	different	ADJ
fsr-3191	251	41	accounts	account	NOUN
fsr-3191	251	42	.	.	PUNCT
fsr-3191	252	1	a	a	DET
fsr-3191	252	2	retiree	retiree	NOUN
fsr-3191	252	3	with	with	ADP
fsr-3191	252	4	a	a	DET
fsr-3191	252	5	traditional	traditional	ADJ
fsr-3191	252	6	401(k	401(k	NOUN
fsr-3191	252	7	)	)	PUNCT
fsr-3191	252	8	plan	plan	NOUN
fsr-3191	252	9	may	may	AUX
fsr-3191	252	10	decide	decide	VERB
fsr-3191	252	11	that	that	SCONJ
fsr-3191	252	12	he	he	PRON
fsr-3191	252	13	or	or	CCONJ
fsr-3191	252	14	she	she	PRON
fsr-3191	252	15	would	would	AUX
fsr-3191	252	16	prefer	prefer	VERB
fsr-3191	252	17	to	to	PART
fsr-3191	252	18	roll	roll	VERB
fsr-3191	252	19	over	over	ADP
fsr-3191	252	20	to	to	ADP
fsr-3191	252	21	a	a	DET
fsr-3191	252	22	roth	roth	NOUN
fsr-3191	252	23	ira	ira	PROPN
fsr-3191	252	24	since	since	SCONJ
fsr-3191	252	25	there	there	PRON
fsr-3191	252	26	are	be	VERB
fsr-3191	252	27	no	no	DET
fsr-3191	252	28	required	required	ADJ
fsr-3191	252	29	minimum	minimum	NOUN
fsr-3191	252	30	distributions	distribution	NOUN
fsr-3191	252	31	,	,	PUNCT
fsr-3191	252	32	and	and	CCONJ
fsr-3191	252	33	the	the	DET
fsr-3191	252	34	retiree	retiree	NOUN
fsr-3191	252	35	’s	’s	PART
fsr-3191	252	36	assets	asset	NOUN
fsr-3191	252	37	can	can	AUX
fsr-3191	252	38	continue	continue	VERB
fsr-3191	252	39	to	to	PART
fsr-3191	252	40	grow	grow	VERB
fsr-3191	252	41	with	with	ADP
fsr-3191	252	42	preferential	preferential	ADJ
fsr-3191	252	43	tax	tax	NOUN
fsr-3191	252	44	treatment	treatment	NOUN
fsr-3191	252	45	.	.	PUNCT
fsr-3191	253	1	moreover	moreover	ADV
fsr-3191	253	2	,	,	PUNCT
fsr-3191	253	3	the	the	DET
fsr-3191	253	4	beneficiary	beneficiary	NOUN
fsr-3191	253	5	(	(	PUNCT
fsr-3191	253	6	usually	usually	ADV
fsr-3191	253	7	the	the	DET
fsr-3191	253	8	participant	participant	NOUN
fsr-3191	253	9	’s	’s	PART
fsr-3191	253	10	heirs	heir	NOUN
fsr-3191	253	11	)	)	PUNCT
fsr-3191	253	12	may	may	AUX
fsr-3191	253	13	have	have	VERB
fsr-3191	253	14	no	no	DET
fsr-3191	253	15	tax	tax	NOUN
fsr-3191	253	16	liability	liability	NOUN
fsr-3191	253	17	when	when	SCONJ
fsr-3191	253	18	the	the	DET
fsr-3191	253	19	retiree	retiree	NOUN
fsr-3191	253	20	dies	die	VERB
fsr-3191	253	21	.	.	PUNCT
fsr-3191	254	1	a	a	DET
fsr-3191	254	2	disadvantage	disadvantage	NOUN
fsr-3191	254	3	is	be	AUX
fsr-3191	254	4	that	that	SCONJ
fsr-3191	254	5	taxes	taxis	NOUN
fsr-3191	254	6	,	,	PUNCT
fsr-3191	254	7	which	which	PRON
fsr-3191	254	8	could	could	AUX
fsr-3191	254	9	be	be	AUX
fsr-3191	254	10	substantial	substantial	ADJ
fsr-3191	254	11	,	,	PUNCT
fsr-3191	254	12	would	would	AUX
fsr-3191	254	13	be	be	AUX
fsr-3191	254	14	due	due	ADJ
fsr-3191	254	15	at	at	ADP
fsr-3191	254	16	the	the	DET
fsr-3191	254	17	time	time	NOUN
fsr-3191	254	18	of	of	ADP
fsr-3191	254	19	the	the	DET
fsr-3191	254	20	rollover	rollover	NOUN
fsr-3191	254	21	,	,	PUNCT
fsr-3191	254	22	rather	rather	ADV
fsr-3191	254	23	than	than	ADP
fsr-3191	254	24	being	be	AUX
fsr-3191	254	25	postponed	postpone	VERB
fsr-3191	254	26	and	and	CCONJ
fsr-3191	254	27	taken	take	VERB
fsr-3191	254	28	with	with	ADP
fsr-3191	254	29	rmds	rmds	NOUN
fsr-3191	254	30	or	or	CCONJ
fsr-3191	254	31	other	other	ADJ
fsr-3191	254	32	disbursements	disbursement	NOUN
fsr-3191	254	33	.	.	PUNCT
fsr-3191	255	1	8	8	X
fsr-3191	255	2	.	.	X
fsr-3191	256	1	why	why	SCONJ
fsr-3191	256	2	remain	remain	VERB
fsr-3191	256	3	in	in	ADP
fsr-3191	256	4	an	an	DET
fsr-3191	256	5	employer	employer	NOUN
fsr-3191	256	6	plan	plan	NOUN
fsr-3191	256	7	?	?	PUNCT
fsr-3191	257	1	several	several	ADJ
fsr-3191	257	2	features	feature	NOUN
fsr-3191	257	3	of	of	ADP
fsr-3191	257	4	401(k	401(k	NOUN
fsr-3191	257	5	)	)	PUNCT
fsr-3191	257	6	plans	plan	NOUN
fsr-3191	257	7	provide	provide	VERB
fsr-3191	257	8	incentives	incentive	NOUN
fsr-3191	257	9	for	for	SCONJ
fsr-3191	257	10	retirees	retiree	NOUN
fsr-3191	257	11	to	to	PART
fsr-3191	257	12	stay	stay	VERB
fsr-3191	257	13	in	in	ADP
fsr-3191	257	14	employer	employer	NOUN
fsr-3191	257	15	plans	plan	NOUN
fsr-3191	257	16	,	,	PUNCT
fsr-3191	257	17	including	include	VERB
fsr-3191	257	18	the	the	DET
fsr-3191	257	19	ones	one	NOUN
fsr-3191	257	20	mentioned	mention	VERB
fsr-3191	257	21	below	below	ADV
fsr-3191	257	22	.	.	PUNCT
fsr-3191	258	1	8.1	8.1	NUM
fsr-3191	258	2	.	.	PUNCT
fsr-3191	259	1	fiduciary	fiduciary	ADJ
fsr-3191	259	2	protection	protection	NOUN
fsr-3191	259	3	plan	plan	NOUN
fsr-3191	259	4	sponsors	sponsor	NOUN
fsr-3191	259	5	have	have	VERB
fsr-3191	259	6	a	a	DET
fsr-3191	259	7	fiduciary	fiduciary	ADJ
fsr-3191	259	8	duty	duty	NOUN
fsr-3191	259	9	to	to	ADP
fsr-3191	259	10	participants	participant	NOUN
fsr-3191	259	11	to	to	PART
fsr-3191	259	12	manage	manage	VERB
fsr-3191	259	13	the	the	DET
fsr-3191	259	14	plans	plan	NOUN
fsr-3191	259	15	in	in	ADP
fsr-3191	259	16	participants	participant	NOUN
fsr-3191	259	17	’	'	PUNCT
fsr-3191	259	18	best	good	ADJ
fsr-3191	259	19	interests	interest	NOUN
fsr-3191	259	20	;	;	PUNCT
fsr-3191	259	21	moreover	moreover	ADV
fsr-3191	259	22	,	,	PUNCT
fsr-3191	259	23	sponsors	sponsor	NOUN
fsr-3191	259	24	can	can	AUX
fsr-3191	259	25	be	be	AUX
fsr-3191	259	26	held	hold	VERB
fsr-3191	259	27	liable	liable	ADJ
fsr-3191	259	28	through	through	ADP
fsr-3191	259	29	private	private	ADJ
fsr-3191	259	30	sector	sector	NOUN
fsr-3191	259	31	lawsuits	lawsuit	NOUN
fsr-3191	259	32	or	or	CCONJ
fsr-3191	259	33	department	department	NOUN
fsr-3191	259	34	of	of	ADP
fsr-3191	259	35	labor	labor	NOUN
fsr-3191	259	36	enforcement	enforcement	NOUN
fsr-3191	259	37	if	if	SCONJ
fsr-3191	259	38	they	they	PRON
fsr-3191	259	39	charge	charge	VERB
fsr-3191	259	40	excessive	excessive	ADJ
fsr-3191	259	41	fees	fee	NOUN
fsr-3191	259	42	or	or	CCONJ
fsr-3191	259	43	provide	provide	VERB
fsr-3191	259	44	poorly	poorly	ADV
fsr-3191	259	45	o.	o.	PROPN
fsr-3191	259	46	s.	s.	PROPN
fsr-3191	259	47	mitchell	mitchell	PROPN
fsr-3191	259	48	et	et	PROPN
fsr-3191	259	49	al	al	PROPN
fsr-3191	259	50	.	.	PUNCT
fsr-3191	259	51	/	/	SYM
fsr-3191	259	52	financial	financial	ADJ
fsr-3191	259	53	services	service	NOUN
fsr-3191	259	54	review	review	VERB
fsr-3191	259	55	31	31	NUM
fsr-3191	259	56	(	(	PUNCT
fsr-3191	259	57	2023	2023	NUM
fsr-3191	259	58	)	)	PUNCT
fsr-3191	260	1	1–21	1–21	NOUN
fsr-3191	260	2	13	13	NUM
fsr-3191	260	3	performing	perform	VERB
fsr-3191	260	4	investment	investment	NOUN
fsr-3191	260	5	options	option	NOUN
fsr-3191	260	6	(	(	PUNCT
fsr-3191	260	7	turner	turner	NOUN
fsr-3191	260	8	,	,	PUNCT
fsr-3191	260	9	2021	2021	NUM
fsr-3191	260	10	)	)	PUNCT
fsr-3191	260	11	.	.	PUNCT
fsr-3191	261	1	by	by	ADP
fsr-3191	261	2	contrast	contrast	NOUN
fsr-3191	261	3	,	,	PUNCT
fsr-3191	261	4	department	department	NOUN
fsr-3191	261	5	of	of	ADP
fsr-3191	261	6	labor	labor	NOUN
fsr-3191	261	7	enforcement	enforcement	NOUN
fsr-3191	261	8	does	do	AUX
fsr-3191	261	9	not	not	PART
fsr-3191	261	10	apply	apply	VERB
fsr-3191	261	11	to	to	ADP
fsr-3191	261	12	iras	ira	NOUN
fsr-3191	261	13	,	,	PUNCT
fsr-3191	261	14	and	and	CCONJ
fsr-3191	261	15	lawsuits	lawsuit	NOUN
fsr-3191	261	16	concerning	concern	VERB
fsr-3191	261	17	iras	ira	NOUN
fsr-3191	261	18	are	be	AUX
fsr-3191	261	19	rare	rare	ADJ
fsr-3191	261	20	because	because	SCONJ
fsr-3191	261	21	they	they	PRON
fsr-3191	261	22	are	be	AUX
fsr-3191	261	23	conducted	conduct	VERB
fsr-3191	261	24	on	on	ADP
fsr-3191	261	25	an	an	DET
fsr-3191	261	26	individual	individual	ADJ
fsr-3191	261	27	basis	basis	NOUN
fsr-3191	261	28	,	,	PUNCT
fsr-3191	261	29	while	while	SCONJ
fsr-3191	261	30	401(k	401(k	NOUN
fsr-3191	261	31	)	)	PUNCT
fsr-3191	261	32	lawsuits	lawsuit	NOUN
fsr-3191	261	33	are	be	AUX
fsr-3191	261	34	conducted	conduct	VERB
fsr-3191	261	35	on	on	ADP
fsr-3191	261	36	a	a	DET
fsr-3191	261	37	class	class	NOUN
fsr-3191	261	38	basis	basis	NOUN
fsr-3191	261	39	.	.	PUNCT
fsr-3191	262	1	the	the	DET
fsr-3191	262	2	investment	investment	NOUN
fsr-3191	262	3	menus	menu	NOUN
fsr-3191	262	4	and	and	CCONJ
fsr-3191	262	5	default	default	NOUN
fsr-3191	262	6	investment	investment	NOUN
fsr-3191	262	7	options	option	NOUN
fsr-3191	262	8	in	in	ADP
fsr-3191	262	9	401(k	401(k	NOUN
fsr-3191	262	10	)	)	PUNCT
fsr-3191	262	11	plans	plan	NOUN
fsr-3191	262	12	are	be	AUX
fsr-3191	262	13	selected	select	VERB
fsr-3191	262	14	and	and	CCONJ
fsr-3191	262	15	overseen	oversee	VERB
fsr-3191	262	16	by	by	ADP
fsr-3191	262	17	erisa	erisa	NOUN
fsr-3191	262	18	fiduciaries	fiduciary	NOUN
fsr-3191	262	19	charged	charge	VERB
fsr-3191	262	20	with	with	ADP
fsr-3191	262	21	the	the	DET
fsr-3191	262	22	responsibility	responsibility	NOUN
fsr-3191	262	23	to	to	PART
fsr-3191	262	24	act	act	VERB
fsr-3191	262	25	in	in	ADP
fsr-3191	262	26	participants	participant	NOUN
fsr-3191	262	27	’	'	PUNCT
fsr-3191	262	28	best	good	ADJ
fsr-3191	262	29	interests	interest	NOUN
fsr-3191	262	30	.	.	PUNCT
fsr-3191	263	1	in	in	ADP
fsr-3191	263	2	an	an	DET
fsr-3191	263	3	investigation	investigation	NOUN
fsr-3191	263	4	of	of	ADP
fsr-3191	263	5	an	an	DET
fsr-3191	263	6	employer	employer	NOUN
fsr-3191	263	7	investment	investment	NOUN
fsr-3191	263	8	fund	fund	NOUN
fsr-3191	263	9	screening	screening	NOUN
fsr-3191	263	10	,	,	PUNCT
fsr-3191	263	11	sialm	sialm	INTJ
fsr-3191	263	12	et	et	NOUN
fsr-3191	263	13	al	al	PROPN
fsr-3191	263	14	.	.	PROPN
fsr-3191	264	1	(	(	PUNCT
fsr-3191	264	2	2015	2015	NUM
fsr-3191	264	3	)	)	PUNCT
fsr-3191	264	4	reported	report	VERB
fsr-3191	264	5	that	that	SCONJ
fsr-3191	264	6	401(k	401(k	NOUN
fsr-3191	264	7	)	)	PUNCT
fsr-3191	264	8	participants	participant	NOUN
fsr-3191	264	9	benefited	benefit	VERB
fsr-3191	264	10	from	from	ADP
fsr-3191	264	11	plan	plan	NOUN
fsr-3191	264	12	sponsors	sponsor	NOUN
fsr-3191	264	13	dropping	drop	VERB
fsr-3191	264	14	poorly	poorly	ADV
fsr-3191	264	15	performing	perform	VERB
fsr-3191	264	16	funds	fund	NOUN
fsr-3191	264	17	and	and	CCONJ
fsr-3191	264	18	adding	add	VERB
fsr-3191	264	19	stronger	strong	ADJ
fsr-3191	264	20	performers	performer	NOUN
fsr-3191	264	21	.	.	PUNCT
fsr-3191	265	1	the	the	DET
fsr-3191	265	2	sec	sec	PROPN
fsr-3191	265	3	plays	play	VERB
fsr-3191	265	4	an	an	DET
fsr-3191	265	5	important	important	ADJ
fsr-3191	265	6	role	role	NOUN
fsr-3191	265	7	in	in	ADP
fsr-3191	265	8	investor	investor	NOUN
fsr-3191	265	9	protection	protection	NOUN
fsr-3191	265	10	in	in	ADP
fsr-3191	265	11	the	the	DET
fsr-3191	265	12	retail	retail	ADJ
fsr-3191	265	13	space	space	NOUN
fsr-3191	265	14	,	,	PUNCT
fsr-3191	265	15	regulating	regulate	VERB
fsr-3191	265	16	the	the	DET
fsr-3191	265	17	products	product	NOUN
fsr-3191	265	18	that	that	PRON
fsr-3191	265	19	can	can	AUX
fsr-3191	265	20	be	be	AUX
fsr-3191	265	21	sold	sell	VERB
fsr-3191	265	22	to	to	ADP
fsr-3191	265	23	retail	retail	ADJ
fsr-3191	265	24	investors	investor	NOUN
fsr-3191	265	25	.	.	PUNCT
fsr-3191	266	1	by	by	ADP
fsr-3191	266	2	contrast	contrast	NOUN
fsr-3191	266	3	,	,	PUNCT
fsr-3191	266	4	iras	ira	NOUN
fsr-3191	266	5	do	do	AUX
fsr-3191	266	6	not	not	PART
fsr-3191	266	7	provide	provide	VERB
fsr-3191	266	8	participants	participant	NOUN
fsr-3191	266	9	with	with	ADP
fsr-3191	266	10	a	a	DET
fsr-3191	266	11	default	default	NOUN
fsr-3191	266	12	investment	investment	NOUN
fsr-3191	266	13	or	or	CCONJ
fsr-3191	266	14	an	an	DET
fsr-3191	266	15	investment	investment	NOUN
fsr-3191	266	16	menu	menu	NOUN
fsr-3191	266	17	selected	select	VERB
fsr-3191	266	18	by	by	ADP
fsr-3191	266	19	a	a	DET
fsr-3191	266	20	fiduciary	fiduciary	NOUN
fsr-3191	266	21	.	.	PUNCT
fsr-3191	267	1	this	this	PRON
fsr-3191	267	2	is	be	AUX
fsr-3191	267	3	particularly	particularly	ADV
fsr-3191	267	4	concerning	concern	VERB
fsr-3191	267	5	when	when	SCONJ
fsr-3191	267	6	persons	person	NOUN
fsr-3191	267	7	with	with	ADP
fsr-3191	267	8	low	low	ADJ
fsr-3191	267	9	or	or	CCONJ
fsr-3191	267	10	moderate	moderate	ADJ
fsr-3191	267	11	levels	level	NOUN
fsr-3191	267	12	of	of	ADP
fsr-3191	267	13	financial	financial	ADJ
fsr-3191	267	14	literacy	literacy	NOUN
fsr-3191	267	15	lack	lack	VERB
fsr-3191	267	16	the	the	DET
fsr-3191	267	17	expertise	expertise	NOUN
fsr-3191	267	18	to	to	PART
fsr-3191	267	19	successfully	successfully	ADV
fsr-3191	267	20	implement	implement	VERB
fsr-3191	267	21	a	a	DET
fsr-3191	267	22	do	do	AUX
fsr-3191	267	23	-	-	PUNCT
fsr-3191	267	24	it	it	PRON
fsr-3191	267	25	-	-	PUNCT
fsr-3191	267	26	yourself	yourself	PRON
fsr-3191	267	27	approach	approach	NOUN
fsr-3191	267	28	to	to	ADP
fsr-3191	267	29	constructing	construct	VERB
fsr-3191	267	30	portfolios	portfolio	NOUN
fsr-3191	267	31	or	or	CCONJ
fsr-3191	267	32	to	to	PART
fsr-3191	267	33	seek	seek	VERB
fsr-3191	267	34	out	out	ADP
fsr-3191	267	35	the	the	DET
fsr-3191	267	36	most	most	ADV
fsr-3191	267	37	cost	cost	NOUN
fsr-3191	267	38	-	-	PUNCT
fsr-3191	267	39	effective	effective	ADJ
fsr-3191	267	40	ira	ira	PROPN
fsr-3191	267	41	options	option	NOUN
fsr-3191	267	42	.	.	PUNCT
fsr-3191	268	1	as	as	ADP
fsr-3191	268	2	a	a	DET
fsr-3191	268	3	result	result	NOUN
fsr-3191	268	4	,	,	PUNCT
fsr-3191	268	5	they	they	PRON
fsr-3191	268	6	must	must	AUX
fsr-3191	268	7	either	either	CCONJ
fsr-3191	268	8	pay	pay	VERB
fsr-3191	268	9	for	for	ADP
fsr-3191	268	10	somebody	somebody	PRON
fsr-3191	268	11	to	to	PART
fsr-3191	268	12	help	help	VERB
fsr-3191	268	13	them	they	PRON
fsr-3191	268	14	construct	construct	VERB
fsr-3191	268	15	a	a	DET
fsr-3191	268	16	portfolio	portfolio	NOUN
fsr-3191	268	17	,	,	PUNCT
fsr-3191	268	18	or	or	CCONJ
fsr-3191	268	19	they	they	PRON
fsr-3191	268	20	will	will	AUX
fsr-3191	268	21	be	be	AUX
fsr-3191	268	22	likely	likely	ADJ
fsr-3191	268	23	to	to	PART
fsr-3191	268	24	construct	construct	VERB
fsr-3191	268	25	portfolios	portfolio	NOUN
fsr-3191	268	26	with	with	ADP
fsr-3191	268	27	inappropriate	inappropriate	ADJ
fsr-3191	268	28	risk	risk	NOUN
fsr-3191	268	29	levels	level	NOUN
fsr-3191	268	30	and	and	CCONJ
fsr-3191	268	31	probably	probably	ADV
fsr-3191	268	32	excessive	excessive	ADJ
fsr-3191	268	33	costs	cost	NOUN
fsr-3191	268	34	.	.	PUNCT
fsr-3191	269	1	8.2	8.2	NUM
fsr-3191	269	2	.	.	PUNCT
fsr-3191	270	1	less	less	ADJ
fsr-3191	270	2	need	need	NOUN
fsr-3191	270	3	for	for	ADP
fsr-3191	270	4	advice	advice	NOUN
fsr-3191	270	5	financially	financially	ADV
fsr-3191	270	6	illiterate	illiterate	ADJ
fsr-3191	270	7	participants	participant	NOUN
fsr-3191	270	8	are	be	AUX
fsr-3191	270	9	more	more	ADV
fsr-3191	270	10	likely	likely	ADJ
fsr-3191	270	11	to	to	PART
fsr-3191	270	12	need	need	VERB
fsr-3191	270	13	financial	financial	ADJ
fsr-3191	270	14	advice	advice	NOUN
fsr-3191	270	15	if	if	SCONJ
fsr-3191	270	16	they	they	PRON
fsr-3191	270	17	roll	roll	VERB
fsr-3191	270	18	over	over	ADP
fsr-3191	270	19	to	to	ADP
fsr-3191	270	20	an	an	DET
fsr-3191	270	21	ira	ira	PROPN
fsr-3191	270	22	than	than	SCONJ
fsr-3191	270	23	if	if	SCONJ
fsr-3191	270	24	they	they	PRON
fsr-3191	270	25	remain	remain	VERB
fsr-3191	270	26	in	in	ADP
fsr-3191	270	27	their	their	PRON
fsr-3191	270	28	employer	employer	NOUN
fsr-3191	270	29	’s	’s	PART
fsr-3191	270	30	plans	plan	NOUN
fsr-3191	270	31	.	.	PUNCT
fsr-3191	271	1	one	one	NUM
fsr-3191	271	2	reason	reason	NOUN
fsr-3191	271	3	is	be	AUX
fsr-3191	271	4	that	that	SCONJ
fsr-3191	271	5	most	most	ADJ
fsr-3191	271	6	target	target	NOUN
fsr-3191	271	7	date	date	NOUN
fsr-3191	271	8	funds	fund	NOUN
fsr-3191	271	9	offered	offer	VERB
fsr-3191	271	10	by	by	ADP
fsr-3191	271	11	401(k	401(k	NOUN
fsr-3191	271	12	)	)	PUNCT
fsr-3191	271	13	plans	plan	NOUN
fsr-3191	271	14	convert	convert	VERB
fsr-3191	271	15	into	into	ADP
fsr-3191	271	16	balanced	balanced	ADJ
fsr-3191	271	17	funds	fund	NOUN
fsr-3191	271	18	after	after	ADP
fsr-3191	271	19	retirement	retirement	NOUN
fsr-3191	271	20	,	,	PUNCT
fsr-3191	271	21	with	with	ADP
fsr-3191	271	22	a	a	DET
fsr-3191	271	23	risk	risk	NOUN
fsr-3191	271	24	profile	profile	NOUN
fsr-3191	271	25	deemed	deem	VERB
fsr-3191	271	26	suitable	suitable	ADJ
fsr-3191	271	27	for	for	ADP
fsr-3191	271	28	most	most	ADJ
fsr-3191	271	29	retirees	retiree	NOUN
fsr-3191	271	30	.	.	PUNCT
fsr-3191	272	1	therefore	therefore	ADV
fsr-3191	272	2	,	,	PUNCT
fsr-3191	272	3	many	many	ADJ
fsr-3191	272	4	401(k	401(k	NOUN
fsr-3191	272	5	)	)	PUNCT
fsr-3191	272	6	participants	participant	NOUN
fsr-3191	272	7	will	will	AUX
fsr-3191	272	8	achieve	achieve	VERB
fsr-3191	272	9	a	a	DET
fsr-3191	272	10	diversified	diversified	ADJ
fsr-3191	272	11	investment	investment	NOUN
fsr-3191	272	12	portfolio	portfolio	NOUN
fsr-3191	272	13	without	without	ADP
fsr-3191	272	14	financial	financial	ADJ
fsr-3191	272	15	advice	advice	NOUN
fsr-3191	272	16	,	,	PUNCT
fsr-3191	272	17	relying	rely	VERB
fsr-3191	272	18	on	on	ADP
fsr-3191	272	19	the	the	DET
fsr-3191	272	20	default	default	NOUN
fsr-3191	272	21	options	option	NOUN
fsr-3191	272	22	preselected	preselecte	VERB
fsr-3191	272	23	by	by	ADP
fsr-3191	272	24	employers	employer	NOUN
fsr-3191	272	25	.	.	PUNCT
fsr-3191	273	1	the	the	DET
fsr-3191	273	2	employer	employer	NOUN
fsr-3191	273	3	-	-	PUNCT
fsr-3191	273	4	selected	select	VERB
fsr-3191	273	5	default	default	NOUN
fsr-3191	273	6	options	option	NOUN
fsr-3191	273	7	are	be	AUX
fsr-3191	273	8	likely	likely	ADJ
fsr-3191	273	9	to	to	PART
fsr-3191	273	10	be	be	AUX
fsr-3191	273	11	particularly	particularly	ADV
fsr-3191	273	12	valuable	valuable	ADJ
fsr-3191	273	13	for	for	ADP
fsr-3191	273	14	low	low	ADJ
fsr-3191	273	15	balance	balance	NOUN
fsr-3191	273	16	holders	holder	NOUN
fsr-3191	273	17	who	who	PRON
fsr-3191	273	18	lack	lack	VERB
fsr-3191	273	19	financial	financial	ADJ
fsr-3191	273	20	literacy	literacy	NOUN
fsr-3191	273	21	,	,	PUNCT
fsr-3191	273	22	as	as	SCONJ
fsr-3191	273	23	these	these	DET
fsr-3191	273	24	individuals	individual	NOUN
fsr-3191	273	25	will	will	AUX
fsr-3191	273	26	tend	tend	VERB
fsr-3191	273	27	to	to	PART
fsr-3191	273	28	find	find	VERB
fsr-3191	273	29	it	it	PRON
fsr-3191	273	30	difficult	difficult	ADJ
fsr-3191	273	31	to	to	PART
fsr-3191	273	32	access	access	VERB
fsr-3191	273	33	affordable	affordable	ADJ
fsr-3191	273	34	advice	advice	NOUN
fsr-3191	273	35	outside	outside	ADP
fsr-3191	273	36	their	their	PRON
fsr-3191	273	37	employer	employer	NOUN
fsr-3191	273	38	plans	plan	NOUN
fsr-3191	273	39	.	.	PUNCT
fsr-3191	274	1	8.3	8.3	NUM
fsr-3191	274	2	.	.	PUNCT
fsr-3191	275	1	institutional	institutional	ADJ
fsr-3191	275	2	pricing	pricing	NOUN
fsr-3191	275	3	on	on	ADP
fsr-3191	275	4	investments	investment	NOUN
fsr-3191	275	5	and	and	CCONJ
fsr-3191	275	6	advice	advice	NOUN
fsr-3191	275	7	many	many	ADJ
fsr-3191	275	8	retirees	retiree	NOUN
fsr-3191	275	9	who	who	PRON
fsr-3191	275	10	remain	remain	VERB
fsr-3191	275	11	in	in	ADP
fsr-3191	275	12	the	the	DET
fsr-3191	275	13	larger	large	ADJ
fsr-3191	275	14	employer	employer	NOUN
fsr-3191	275	15	plans	plan	NOUN
fsr-3191	275	16	will	will	AUX
fsr-3191	275	17	benefit	benefit	VERB
fsr-3191	275	18	from	from	ADP
fsr-3191	275	19	institutional	institutional	ADJ
fsr-3191	275	20	pricing	pricing	NOUN
fsr-3191	275	21	for	for	ADP
fsr-3191	275	22	investment	investment	NOUN
fsr-3191	275	23	products	product	NOUN
fsr-3191	275	24	,	,	PUNCT
fsr-3191	275	25	which	which	PRON
fsr-3191	275	26	tends	tend	VERB
fsr-3191	275	27	to	to	PART
fsr-3191	275	28	be	be	AUX
fsr-3191	275	29	lower	low	ADJ
fsr-3191	275	30	than	than	ADP
fsr-3191	275	31	average	average	ADJ
fsr-3191	275	32	ira	ira	PROPN
fsr-3191	275	33	pricing	pricing	NOUN
fsr-3191	275	34	.	.	PUNCT
fsr-3191	276	1	also	also	ADV
fsr-3191	276	2	,	,	PUNCT
fsr-3191	276	3	many	many	ADJ
fsr-3191	276	4	employer	employer	NOUN
fsr-3191	276	5	plans	plan	NOUN
fsr-3191	276	6	offer	offer	VERB
fsr-3191	276	7	managed	manage	VERB
fsr-3191	276	8	account	account	NOUN
fsr-3191	276	9	services	service	NOUN
fsr-3191	276	10	that	that	PRON
fsr-3191	276	11	enable	enable	VERB
fsr-3191	276	12	participants	participant	NOUN
fsr-3191	276	13	to	to	PART
fsr-3191	276	14	receive	receive	VERB
fsr-3191	276	15	advice	advice	NOUN
fsr-3191	276	16	to	to	PART
fsr-3191	276	17	create	create	VERB
fsr-3191	276	18	investment	investment	NOUN
fsr-3191	276	19	portfolios	portfolio	NOUN
fsr-3191	276	20	based	base	VERB
fsr-3191	276	21	on	on	ADP
fsr-3191	276	22	the	the	DET
fsr-3191	276	23	plan	plan	NOUN
fsr-3191	276	24	menu	menu	NOUN
fsr-3191	276	25	that	that	PRON
fsr-3191	276	26	considers	consider	VERB
fsr-3191	276	27	a	a	DET
fsr-3191	276	28	wider	wide	ADJ
fsr-3191	276	29	range	range	NOUN
fsr-3191	276	30	of	of	ADP
fsr-3191	276	31	inputs	input	NOUN
fsr-3191	276	32	,	,	PUNCT
fsr-3191	276	33	compared	compare	VERB
fsr-3191	276	34	with	with	ADP
fsr-3191	276	35	purely	purely	ADV
fsr-3191	276	36	retirement	retirement	NOUN
fsr-3191	276	37	date	date	NOUN
fsr-3191	276	38	-	-	PUNCT
fsr-3191	276	39	based	base	VERB
fsr-3191	276	40	target	target	NOUN
fsr-3191	276	41	date	date	NOUN
fsr-3191	276	42	funds	fund	NOUN
fsr-3191	276	43	.	.	PUNCT
fsr-3191	277	1	the	the	DET
fsr-3191	277	2	average	average	ADJ
fsr-3191	277	3	fees	fee	NOUN
fsr-3191	277	4	paid	pay	VERB
fsr-3191	277	5	for	for	ADP
fsr-3191	277	6	investments	investment	NOUN
fsr-3191	277	7	in	in	ADP
fsr-3191	277	8	iras	ira	NOUN
fsr-3191	277	9	are	be	AUX
fsr-3191	277	10	higher	high	ADJ
fsr-3191	277	11	than	than	ADP
fsr-3191	277	12	those	those	PRON
fsr-3191	277	13	in	in	ADP
fsr-3191	277	14	401(k)s	401(k)s	PROPN
fsr-3191	277	15	,	,	PUNCT
fsr-3191	277	16	which	which	PRON
fsr-3191	277	17	may	may	AUX
fsr-3191	277	18	imply	imply	VERB
fsr-3191	277	19	that	that	SCONJ
fsr-3191	277	20	most	most	ADJ
fsr-3191	277	21	participants	participant	NOUN
fsr-3191	277	22	do	do	AUX
fsr-3191	277	23	not	not	PART
fsr-3191	277	24	seek	seek	VERB
fsr-3191	277	25	the	the	DET
fsr-3191	277	26	least	least	ADV
fsr-3191	277	27	expensive	expensive	ADJ
fsr-3191	277	28	products	product	NOUN
fsr-3191	277	29	.	.	PUNCT
fsr-3191	278	1	pension	pension	NOUN
fsr-3191	278	2	participants	participant	NOUN
fsr-3191	278	3	surveyed	survey	VERB
fsr-3191	278	4	by	by	ADP
fsr-3191	278	5	turner	turner	NOUN
fsr-3191	278	6	and	and	CCONJ
fsr-3191	278	7	korczyk	korczyk	PROPN
fsr-3191	278	8	(	(	PUNCT
fsr-3191	278	9	2004	2004	NUM
fsr-3191	278	10	)	)	PUNCT
fsr-3191	278	11	were	be	AUX
fsr-3191	278	12	asked	ask	VERB
fsr-3191	278	13	if	if	SCONJ
fsr-3191	278	14	they	they	PRON
fsr-3191	278	15	knew	know	VERB
fsr-3191	278	16	how	how	SCONJ
fsr-3191	278	17	much	much	ADV
fsr-3191	278	18	they	they	PRON
fsr-3191	278	19	paid	pay	VERB
fsr-3191	278	20	in	in	ADP
fsr-3191	278	21	fees	fee	NOUN
fsr-3191	278	22	(	(	PUNCT
fsr-3191	278	23	in	in	ADP
fsr-3191	278	24	dollars	dollar	NOUN
fsr-3191	278	25	or	or	CCONJ
fsr-3191	278	26	as	as	ADP
fsr-3191	278	27	a	a	DET
fsr-3191	278	28	percentage	percentage	NOUN
fsr-3191	278	29	of	of	ADP
fsr-3191	278	30	assets	asset	NOUN
fsr-3191	278	31	)	)	PUNCT
fsr-3191	278	32	for	for	ADP
fsr-3191	278	33	the	the	DET
fsr-3191	278	34	stock	stock	NOUN
fsr-3191	278	35	mutual	mutual	ADJ
fsr-3191	278	36	funds	fund	NOUN
fsr-3191	278	37	they	they	PRON
fsr-3191	278	38	held	hold	VERB
fsr-3191	278	39	in	in	ADP
fsr-3191	278	40	their	their	PRON
fsr-3191	278	41	401(k	401(k	NOUN
fsr-3191	278	42	)	)	PUNCT
fsr-3191	278	43	plans	plan	NOUN
fsr-3191	278	44	,	,	PUNCT
fsr-3191	278	45	and	and	CCONJ
fsr-3191	278	46	that	that	DET
fsr-3191	278	47	study	study	NOUN
fsr-3191	278	48	concluded	conclude	VERB
fsr-3191	278	49	that	that	SCONJ
fsr-3191	278	50	three	three	NUM
fsr-3191	278	51	-	-	PUNCT
fsr-3191	278	52	quarters	quarter	NOUN
fsr-3191	278	53	of	of	ADP
fsr-3191	278	54	respondents	respondent	NOUN
fsr-3191	278	55	could	could	AUX
fsr-3191	278	56	not	not	PART
fsr-3191	278	57	answer	answer	VERB
fsr-3191	278	58	the	the	DET
fsr-3191	278	59	question	question	NOUN
fsr-3191	278	60	.	.	PUNCT
fsr-3191	279	1	hastings	hastings	PROPN
fsr-3191	279	2	et	et	PROPN
fsr-3191	279	3	al	al	PROPN
fsr-3191	279	4	.	.	PROPN
fsr-3191	280	1	(	(	PUNCT
fsr-3191	280	2	2011	2011	NUM
fsr-3191	280	3	)	)	PUNCT
fsr-3191	280	4	also	also	ADV
fsr-3191	280	5	showed	show	VERB
fsr-3191	280	6	that	that	SCONJ
fsr-3191	280	7	people	people	NOUN
fsr-3191	280	8	with	with	ADP
fsr-3191	280	9	greater	great	ADJ
fsr-3191	280	10	financial	financial	ADJ
fsr-3191	280	11	knowledge	knowledge	NOUN
fsr-3191	280	12	paid	pay	VERB
fsr-3191	280	13	lower	low	ADJ
fsr-3191	280	14	fees	fee	NOUN
fsr-3191	280	15	for	for	ADP
fsr-3191	280	16	mutual	mutual	ADJ
fsr-3191	280	17	funds	fund	NOUN
fsr-3191	280	18	.	.	PUNCT
fsr-3191	281	1	it	it	PRON
fsr-3191	281	2	may	may	AUX
fsr-3191	281	3	also	also	ADV
fsr-3191	281	4	indicate	indicate	VERB
fsr-3191	281	5	that	that	SCONJ
fsr-3191	281	6	ira	ira	PROPN
fsr-3191	281	7	participants	participant	NOUN
fsr-3191	281	8	need	need	VERB
fsr-3191	281	9	advice	advice	NOUN
fsr-3191	281	10	for	for	ADP
fsr-3191	281	11	14	14	NUM
fsr-3191	281	12	o.	o.	PROPN
fsr-3191	281	13	s.	s.	PROPN
fsr-3191	281	14	mitchell	mitchell	PROPN
fsr-3191	281	15	et	et	PROPN
fsr-3191	281	16	al	al	PROPN
fsr-3191	281	17	.	.	PUNCT
fsr-3191	281	18	/	/	SYM
fsr-3191	281	19	financial	financial	ADJ
fsr-3191	281	20	services	service	NOUN
fsr-3191	281	21	review	review	VERB
fsr-3191	281	22	31	31	NUM
fsr-3191	281	23	(	(	PUNCT
fsr-3191	281	24	2023	2023	NUM
fsr-3191	281	25	)	)	PUNCT
fsr-3191	281	26	1–21	1–21	PROPN
fsr-3191	281	27	portfolio	portfolio	NOUN
fsr-3191	281	28	construction	construction	NOUN
fsr-3191	281	29	,	,	PUNCT
fsr-3191	281	30	and	and	CCONJ
fsr-3191	281	31	they	they	PRON
fsr-3191	281	32	are	be	AUX
fsr-3191	281	33	paying	pay	VERB
fsr-3191	281	34	indirectly	indirectly	ADV
fsr-3191	281	35	for	for	ADP
fsr-3191	281	36	this	this	DET
fsr-3191	281	37	advice	advice	NOUN
fsr-3191	281	38	in	in	ADP
fsr-3191	281	39	the	the	DET
fsr-3191	281	40	form	form	NOUN
fsr-3191	281	41	of	of	ADP
fsr-3191	281	42	higher	high	ADJ
fsr-3191	281	43	fees	fee	NOUN
fsr-3191	281	44	for	for	ADP
fsr-3191	281	45	investment	investment	NOUN
fsr-3191	281	46	products	product	NOUN
fsr-3191	281	47	.	.	PUNCT
fsr-3191	282	1	8.4	8.4	X
fsr-3191	282	2	.	.	PUNCT
fsr-3191	283	1	protection	protection	NOUN
fsr-3191	283	2	from	from	ADP
fsr-3191	283	3	creditors	creditor	NOUN
fsr-3191	283	4	a	a	DET
fsr-3191	283	5	participant	participant	NOUN
fsr-3191	283	6	’s	’s	PART
fsr-3191	283	7	401(k	401(k	NOUN
fsr-3191	283	8	)	)	PUNCT
fsr-3191	283	9	plan	plan	NOUN
fsr-3191	283	10	assets	asset	NOUN
fsr-3191	283	11	are	be	AUX
fsr-3191	283	12	protected	protect	VERB
fsr-3191	283	13	from	from	ADP
fsr-3191	283	14	creditors	creditor	NOUN
fsr-3191	283	15	under	under	ADP
fsr-3191	283	16	u.s	u.s	PROPN
fsr-3191	283	17	.	.	PROPN
fsr-3191	283	18	law	law	NOUN
fsr-3191	283	19	,	,	PUNCT
fsr-3191	283	20	while	while	SCONJ
fsr-3191	283	21	ira	ira	PROPN
fsr-3191	283	22	money	money	NOUN
fsr-3191	283	23	is	be	AUX
fsr-3191	283	24	not	not	PART
fsr-3191	283	25	exempt	exempt	ADJ
fsr-3191	283	26	when	when	SCONJ
fsr-3191	283	27	a	a	DET
fsr-3191	283	28	person	person	NOUN
fsr-3191	283	29	files	file	VERB
fsr-3191	283	30	for	for	ADP
fsr-3191	283	31	bankruptcy	bankruptcy	NOUN
fsr-3191	283	32	(	(	PUNCT
fsr-3191	283	33	there	there	PRON
fsr-3191	283	34	is	be	VERB
fsr-3191	283	35	some	some	DET
fsr-3191	283	36	variability	variability	NOUN
fsr-3191	283	37	in	in	ADP
fsr-3191	283	38	state	state	NOUN
fsr-3191	283	39	law	law	NOUN
fsr-3191	283	40	,	,	PUNCT
fsr-3191	283	41	as	as	SCONJ
fsr-3191	283	42	noted	note	VERB
fsr-3191	283	43	in	in	ADP
fsr-3191	283	44	folger	folger	NOUN
fsr-3191	283	45	,	,	PUNCT
fsr-3191	283	46	2021	2021	NUM
fsr-3191	283	47	)	)	PUNCT
fsr-3191	283	48	.	.	PUNCT
fsr-3191	284	1	8.5	8.5	NUM
fsr-3191	284	2	.	.	PUNCT
fsr-3191	285	1	early	early	ADJ
fsr-3191	285	2	access	access	NOUN
fsr-3191	285	3	people	people	NOUN
fsr-3191	285	4	who	who	PRON
fsr-3191	285	5	retire	retire	VERB
fsr-3191	285	6	from	from	ADP
fsr-3191	285	7	employers	employer	NOUN
fsr-3191	285	8	who	who	PRON
fsr-3191	285	9	offer	offer	VERB
fsr-3191	285	10	401(k	401(k	NOUN
fsr-3191	285	11	)	)	PUNCT
fsr-3191	285	12	plans	plan	NOUN
fsr-3191	285	13	may	may	AUX
fsr-3191	285	14	access	access	VERB
fsr-3191	285	15	their	their	PRON
fsr-3191	285	16	401(k	401(k	NOUN
fsr-3191	285	17	)	)	PUNCT
fsr-3191	285	18	assets	asset	NOUN
fsr-3191	285	19	at	at	ADP
fsr-3191	285	20	age	age	NOUN
fsr-3191	285	21	55	55	NUM
fsr-3191	285	22	without	without	ADP
fsr-3191	285	23	paying	pay	VERB
fsr-3191	285	24	a	a	DET
fsr-3191	285	25	10	10	NUM
fsr-3191	285	26	%	%	NOUN
fsr-3191	285	27	penalty	penalty	NOUN
fsr-3191	285	28	,	,	PUNCT
fsr-3191	285	29	compared	compare	VERB
fsr-3191	285	30	with	with	ADP
fsr-3191	285	31	age	age	NOUN
fsr-3191	285	32	59½	59½	NUM
fsr-3191	285	33	in	in	ADP
fsr-3191	285	34	an	an	DET
fsr-3191	285	35	ira	ira	PROPN
fsr-3191	285	36	.	.	PROPN
fsr-3191	285	37	9	9	NUM
fsr-3191	285	38	.	.	X
fsr-3191	286	1	how	how	SCONJ
fsr-3191	286	2	new	new	ADJ
fsr-3191	286	3	technology	technology	NOUN
fsr-3191	286	4	and	and	CCONJ
fsr-3191	286	5	legislation	legislation	NOUN
fsr-3191	286	6	could	could	AUX
fsr-3191	286	7	change	change	VERB
fsr-3191	286	8	the	the	DET
fsr-3191	286	9	balance	balance	NOUN
fsr-3191	286	10	employer	employer	NOUN
fsr-3191	286	11	-	-	PUNCT
fsr-3191	286	12	sponsored	sponsor	VERB
fsr-3191	286	13	401(k	401(k	PROPN
fsr-3191	286	14	)	)	PUNCT
fsr-3191	286	15	plans	plan	NOUN
fsr-3191	286	16	were	be	AUX
fsr-3191	286	17	originally	originally	ADV
fsr-3191	286	18	intended	intend	VERB
fsr-3191	286	19	to	to	PART
fsr-3191	286	20	be	be	AUX
fsr-3191	286	21	supplementary	supplementary	ADJ
fsr-3191	286	22	retirement	retirement	NOUN
fsr-3191	286	23	savings	saving	NOUN
fsr-3191	286	24	vehicles	vehicle	NOUN
fsr-3191	286	25	to	to	PART
fsr-3191	286	26	complement	complement	VERB
fsr-3191	286	27	conventional	conventional	ADJ
fsr-3191	286	28	defined	define	VERB
fsr-3191	286	29	benefit	benefit	NOUN
fsr-3191	286	30	plans	plan	NOUN
fsr-3191	286	31	.	.	PUNCT
fsr-3191	287	1	nonetheless	nonetheless	ADV
fsr-3191	287	2	,	,	PUNCT
fsr-3191	287	3	with	with	ADP
fsr-3191	287	4	defined	define	VERB
fsr-3191	287	5	benefit	benefit	NOUN
fsr-3191	287	6	plans	plan	NOUN
fsr-3191	287	7	disappearing	disappear	VERB
fsr-3191	287	8	from	from	ADP
fsr-3191	287	9	the	the	DET
fsr-3191	287	10	private	private	ADJ
fsr-3191	287	11	sector	sector	NOUN
fsr-3191	287	12	,	,	PUNCT
fsr-3191	287	13	fewer	few	ADJ
fsr-3191	287	14	americans	american	NOUN
fsr-3191	287	15	today	today	NOUN
fsr-3191	287	16	have	have	VERB
fsr-3191	287	17	access	access	NOUN
fsr-3191	287	18	to	to	ADP
fsr-3191	287	19	guaranteed	guarantee	VERB
fsr-3191	287	20	retirement	retirement	NOUN
fsr-3191	287	21	income	income	NOUN
fsr-3191	287	22	from	from	ADP
fsr-3191	287	23	their	their	PRON
fsr-3191	287	24	retirement	retirement	NOUN
fsr-3191	287	25	savings	saving	NOUN
fsr-3191	287	26	,	,	PUNCT
fsr-3191	287	27	compared	compare	VERB
fsr-3191	287	28	with	with	ADP
fsr-3191	287	29	the	the	DET
fsr-3191	287	30	past	past	NOUN
fsr-3191	287	31	.	.	PUNCT
fsr-3191	288	1	there	there	PRON
fsr-3191	288	2	has	have	AUX
fsr-3191	288	3	recently	recently	ADV
fsr-3191	288	4	been	be	AUX
fsr-3191	288	5	increased	increase	VERB
fsr-3191	288	6	interest	interest	NOUN
fsr-3191	288	7	among	among	ADP
fsr-3191	288	8	plan	plan	NOUN
fsr-3191	288	9	sponsors	sponsor	NOUN
fsr-3191	288	10	,	,	PUNCT
fsr-3191	288	11	legislators	legislator	NOUN
fsr-3191	288	12	,	,	PUNCT
fsr-3191	288	13	and	and	CCONJ
fsr-3191	288	14	asset	asset	NOUN
fsr-3191	288	15	managers	manager	NOUN
fsr-3191	288	16	in	in	ADP
fsr-3191	288	17	keeping	keep	VERB
fsr-3191	288	18	participants	participant	NOUN
fsr-3191	288	19	in	in	ADP
fsr-3191	288	20	employer	employer	NOUN
fsr-3191	288	21	plans	plan	NOUN
fsr-3191	288	22	after	after	ADP
fsr-3191	288	23	retirement	retirement	NOUN
fsr-3191	288	24	,	,	PUNCT
fsr-3191	288	25	but	but	CCONJ
fsr-3191	288	26	so	so	ADV
fsr-3191	288	27	far	far	ADV
fsr-3191	288	28	,	,	PUNCT
fsr-3191	288	29	these	these	PRON
fsr-3191	288	30	have	have	AUX
fsr-3191	288	31	gained	gain	VERB
fsr-3191	288	32	limited	limited	ADJ
fsr-3191	288	33	traction	traction	NOUN
fsr-3191	288	34	due	due	ADP
fsr-3191	288	35	to	to	ADP
fsr-3191	288	36	both	both	CCONJ
fsr-3191	288	37	legal	legal	ADJ
fsr-3191	288	38	and	and	CCONJ
fsr-3191	288	39	technological	technological	ADJ
fsr-3191	288	40	hurdles	hurdle	NOUN
fsr-3191	288	41	.	.	PUNCT
fsr-3191	289	1	recent	recent	ADJ
fsr-3191	289	2	and	and	CCONJ
fsr-3191	289	3	pending	pende	VERB
fsr-3191	289	4	legislation	legislation	NOUN
fsr-3191	289	5	,	,	PUNCT
fsr-3191	289	6	as	as	ADV
fsr-3191	289	7	well	well	ADV
fsr-3191	289	8	as	as	ADP
fsr-3191	289	9	technological	technological	ADJ
fsr-3191	289	10	advances	advance	NOUN
fsr-3191	289	11	,	,	PUNCT
fsr-3191	289	12	may	may	AUX
fsr-3191	289	13	change	change	VERB
fsr-3191	289	14	this	this	DET
fsr-3191	289	15	situation	situation	NOUN
fsr-3191	289	16	going	go	VERB
fsr-3191	289	17	forward	forward	ADV
fsr-3191	289	18	.	.	PUNCT
fsr-3191	290	1	legislators	legislator	NOUN
fsr-3191	290	2	have	have	AUX
fsr-3191	290	3	introduced	introduce	VERB
fsr-3191	290	4	several	several	ADJ
fsr-3191	290	5	bills	bill	NOUN
fsr-3191	290	6	with	with	ADP
fsr-3191	290	7	provisions	provision	NOUN
fsr-3191	290	8	that	that	PRON
fsr-3191	290	9	make	make	VERB
fsr-3191	290	10	it	it	PRON
fsr-3191	290	11	easier	easy	ADJ
fsr-3191	290	12	for	for	SCONJ
fsr-3191	290	13	401(k	401(k	NOUN
fsr-3191	290	14	)	)	PUNCT
fsr-3191	290	15	plan	plan	NOUN
fsr-3191	290	16	sponsors	sponsor	NOUN
fsr-3191	290	17	to	to	PART
fsr-3191	290	18	offer	offer	VERB
fsr-3191	290	19	products	product	NOUN
fsr-3191	290	20	allowing	allow	VERB
fsr-3191	290	21	participants	participant	NOUN
fsr-3191	290	22	to	to	PART
fsr-3191	290	23	convert	convert	VERB
fsr-3191	290	24	their	their	PRON
fsr-3191	290	25	defined	define	VERB
fsr-3191	290	26	contribution	contribution	NOUN
fsr-3191	290	27	savings	saving	NOUN
fsr-3191	290	28	into	into	ADP
fsr-3191	290	29	retirement	retirement	NOUN
fsr-3191	290	30	income	income	NOUN
fsr-3191	290	31	stream	stream	NOUN
fsr-3191	290	32	.	.	PUNCT
fsr-3191	291	1	as	as	SCONJ
fsr-3191	291	2	noted	note	VERB
fsr-3191	291	3	above	above	ADV
fsr-3191	291	4	,	,	PUNCT
fsr-3191	291	5	the	the	DET
fsr-3191	291	6	2019	2019	NUM
fsr-3191	291	7	secure	secure	ADJ
fsr-3191	291	8	act	act	NOUN
fsr-3191	291	9	gave	give	VERB
fsr-3191	291	10	plan	plan	NOUN
fsr-3191	291	11	sponsors	sponsor	NOUN
fsr-3191	291	12	a	a	DET
fsr-3191	291	13	safe	safe	ADJ
fsr-3191	291	14	harbor	harbor	NOUN
fsr-3191	291	15	for	for	ADP
fsr-3191	291	16	annuity	annuity	NOUN
fsr-3191	291	17	selection	selection	NOUN
fsr-3191	291	18	by	by	ADP
fsr-3191	291	19	allowing	allow	VERB
fsr-3191	291	20	them	they	PRON
fsr-3191	291	21	to	to	PART
fsr-3191	291	22	rely	rely	VERB
fsr-3191	291	23	on	on	ADP
fsr-3191	291	24	state	state	NOUN
fsr-3191	291	25	insurance	insurance	NOUN
fsr-3191	291	26	regulators	regulator	NOUN
fsr-3191	291	27	’	’	PART
fsr-3191	291	28	assessments	assessment	NOUN
fsr-3191	291	29	of	of	ADP
fsr-3191	291	30	the	the	DET
fsr-3191	291	31	creditworthiness	creditworthiness	NOUN
fsr-3191	291	32	of	of	ADP
fsr-3191	291	33	insurance	insurance	NOUN
fsr-3191	291	34	providers	provider	NOUN
fsr-3191	291	35	.	.	PUNCT
fsr-3191	292	1	it	it	PRON
fsr-3191	292	2	also	also	ADV
fsr-3191	292	3	included	include	VERB
fsr-3191	292	4	provisions	provision	NOUN
fsr-3191	292	5	permitting	permit	VERB
fsr-3191	292	6	easier	easy	ADJ
fsr-3191	292	7	portability	portability	NOUN
fsr-3191	292	8	of	of	ADP
fsr-3191	292	9	annuity	annuity	NOUN
fsr-3191	292	10	products	product	NOUN
fsr-3191	292	11	.	.	PUNCT
fsr-3191	293	1	the	the	DET
fsr-3191	293	2	proposed	propose	VERB
fsr-3191	293	3	life	life	NOUN
fsr-3191	293	4	act	act	NOUN
fsr-3191	293	5	of	of	ADP
fsr-3191	293	6	2022	2022	NUM
fsr-3191	293	7	(	(	PUNCT
fsr-3191	293	8	norcross	norcross	PROPN
fsr-3191	293	9	,	,	PUNCT
fsr-3191	293	10	2022	2022	NUM
fsr-3191	293	11	)	)	PUNCT
fsr-3191	293	12	would	would	AUX
fsr-3191	293	13	allow	allow	VERB
fsr-3191	293	14	qualified	qualified	ADJ
fsr-3191	293	15	default	default	NOUN
fsr-3191	293	16	investment	investment	NOUN
fsr-3191	293	17	alternatives	alternative	NOUN
fsr-3191	293	18	(	(	PUNCT
fsr-3191	293	19	qdias	qdia	NOUN
fsr-3191	293	20	)	)	PUNCT
fsr-3191	293	21	to	to	PART
fsr-3191	293	22	include	include	VERB
fsr-3191	293	23	allocations	allocation	NOUN
fsr-3191	293	24	to	to	ADP
fsr-3191	293	25	illiquid	illiquid	NOUN
fsr-3191	293	26	and	and	CCONJ
fsr-3191	293	27	potentially	potentially	ADV
fsr-3191	293	28	variable	variable	ADJ
fsr-3191	293	29	annuities	annuity	NOUN
fsr-3191	293	30	in	in	ADP
fsr-3191	293	31	401(k	401(k	PROPN
fsr-3191	293	32	)	)	PUNCT
fsr-3191	293	33	accounts	account	NOUN
fsr-3191	293	34	as	as	ADV
fsr-3191	293	35	well	well	ADV
fsr-3191	293	36	.	.	PUNCT
fsr-3191	294	1	the	the	DET
fsr-3191	294	2	securing	secure	VERB
fsr-3191	294	3	a	a	DET
fsr-3191	294	4	strong	strong	ADJ
fsr-3191	294	5	retirement	retirement	NOUN
fsr-3191	294	6	act	act	NOUN
fsr-3191	294	7	(	(	PUNCT
fsr-3191	294	8	2021	2021	NUM
fsr-3191	294	9	)	)	PUNCT
fsr-3191	294	10	that	that	PRON
fsr-3191	294	11	recently	recently	ADV
fsr-3191	294	12	passed	pass	VERB
fsr-3191	294	13	the	the	DET
fsr-3191	294	14	house	house	NOUN
fsr-3191	294	15	of	of	ADP
fsr-3191	294	16	representatives	representative	NOUN
fsr-3191	294	17	includes	include	VERB
fsr-3191	294	18	additional	additional	ADJ
fsr-3191	294	19	provisions	provision	NOUN
fsr-3191	294	20	facilitating	facilitate	VERB
fsr-3191	294	21	the	the	DET
fsr-3191	294	22	inclusion	inclusion	NOUN
fsr-3191	294	23	of	of	ADP
fsr-3191	294	24	annuities	annuity	NOUN
fsr-3191	294	25	in	in	ADP
fsr-3191	294	26	401(k	401(k	NOUN
fsr-3191	294	27	)	)	PUNCT
fsr-3191	294	28	plans	plan	NOUN
fsr-3191	294	29	,	,	PUNCT
fsr-3191	294	30	including	include	VERB
fsr-3191	294	31	raising	raise	VERB
fsr-3191	294	32	the	the	DET
fsr-3191	294	33	percentage	percentage	NOUN
fsr-3191	294	34	and	and	CCONJ
fsr-3191	294	35	potentially	potentially	ADV
fsr-3191	294	36	the	the	DET
fsr-3191	294	37	asset	asset	NOUN
fsr-3191	294	38	limit	limit	NOUN
fsr-3191	294	39	that	that	PRON
fsr-3191	294	40	can	can	AUX
fsr-3191	294	41	be	be	AUX
fsr-3191	294	42	used	use	VERB
fsr-3191	294	43	for	for	ADP
fsr-3191	294	44	qualified	qualified	ADJ
fsr-3191	294	45	life	life	NOUN
fsr-3191	294	46	annuity	annuity	NOUN
fsr-3191	294	47	contracts	contract	NOUN
fsr-3191	294	48	(	(	PUNCT
fsr-3191	294	49	qlacs	qlacs	PROPN
fsr-3191	294	50	)	)	PUNCT
fsr-3191	294	51	and	and	CCONJ
fsr-3191	294	52	expanding	expand	VERB
fsr-3191	294	53	the	the	DET
fsr-3191	294	54	range	range	NOUN
fsr-3191	294	55	of	of	ADP
fsr-3191	294	56	products	product	NOUN
fsr-3191	294	57	that	that	PRON
fsr-3191	294	58	can	can	AUX
fsr-3191	294	59	be	be	AUX
fsr-3191	294	60	used	use	VERB
fsr-3191	294	61	.	.	PUNCT
fsr-3191	295	1	these	these	DET
fsr-3191	295	2	innovations	innovation	NOUN
fsr-3191	295	3	will	will	AUX
fsr-3191	295	4	have	have	VERB
fsr-3191	295	5	limited	limit	VERB
fsr-3191	295	6	effect	effect	NOUN
fsr-3191	295	7	if	if	SCONJ
fsr-3191	295	8	the	the	DET
fsr-3191	295	9	problem	problem	NOUN
fsr-3191	295	10	is	be	AUX
fsr-3191	295	11	lack	lack	NOUN
fsr-3191	295	12	of	of	ADP
fsr-3191	295	13	demand	demand	NOUN
fsr-3191	295	14	for	for	ADP
fsr-3191	295	15	annuities	annuity	NOUN
fsr-3191	295	16	from	from	ADP
fsr-3191	295	17	participants	participant	NOUN
fsr-3191	295	18	,	,	PUNCT
fsr-3191	295	19	rather	rather	ADV
fsr-3191	295	20	than	than	ADP
fsr-3191	295	21	a	a	DET
fsr-3191	295	22	lack	lack	NOUN
fsr-3191	295	23	of	of	ADP
fsr-3191	295	24	easily	easily	ADV
fsr-3191	295	25	accessible	accessible	ADJ
fsr-3191	295	26	supply	supply	NOUN
fsr-3191	295	27	.	.	PUNCT
fsr-3191	296	1	the	the	DET
fsr-3191	296	2	sec	sec	PROPN
fsr-3191	296	3	’s	’s	PART
fsr-3191	296	4	(	(	PUNCT
fsr-3191	296	5	2019	2019	NUM
fsr-3191	296	6	)	)	PUNCT
fsr-3191	296	7	“	"	PUNCT
fsr-3191	296	8	regulation	regulation	NOUN
fsr-3191	296	9	best	good	ADJ
fsr-3191	296	10	interest	interest	NOUN
fsr-3191	296	11	:	:	PUNCT
fsr-3191	296	12	the	the	DET
fsr-3191	296	13	broker	broker	NOUN
fsr-3191	296	14	-	-	PUNCT
fsr-3191	296	15	dealer	dealer	NOUN
fsr-3191	296	16	standard	standard	NOUN
fsr-3191	296	17	of	of	ADP
fsr-3191	296	18	conduct	conduct	NOUN
fsr-3191	296	19	”	"	PUNCT
fsr-3191	296	20	requires	require	VERB
fsr-3191	296	21	advisors	advisor	NOUN
fsr-3191	296	22	and	and	CCONJ
fsr-3191	296	23	brokers	broker	NOUN
fsr-3191	296	24	to	to	PART
fsr-3191	296	25	act	act	VERB
fsr-3191	296	26	in	in	ADP
fsr-3191	296	27	the	the	DET
fsr-3191	296	28	best	good	ADJ
fsr-3191	296	29	interest	interest	NOUN
fsr-3191	296	30	of	of	ADP
fsr-3191	296	31	clients	client	NOUN
fsr-3191	296	32	when	when	SCONJ
fsr-3191	296	33	considering	consider	VERB
fsr-3191	296	34	rollovers	rollover	NOUN
fsr-3191	296	35	from	from	ADP
fsr-3191	296	36	employer	employer	NOUN
fsr-3191	296	37	plans	plan	NOUN
fsr-3191	296	38	to	to	PART
fsr-3191	296	39	iras	ira	NOUN
fsr-3191	296	40	.	.	PUNCT
fsr-3191	297	1	the	the	DET
fsr-3191	297	2	department	department	PROPN
fsr-3191	297	3	of	of	ADP
fsr-3191	297	4	labor	labor	NOUN
fsr-3191	297	5	(	(	PUNCT
fsr-3191	297	6	2021	2021	NUM
fsr-3191	297	7	)	)	PUNCT
fsr-3191	297	8	also	also	ADV
fsr-3191	297	9	signaled	signal	VERB
fsr-3191	297	10	its	its	PRON
fsr-3191	297	11	intention	intention	NOUN
fsr-3191	297	12	to	to	PART
fsr-3191	297	13	apply	apply	VERB
fsr-3191	297	14	more	more	ADV
fsr-3191	297	15	stringent	stringent	ADJ
fsr-3191	297	16	regulation	regulation	NOUN
fsr-3191	297	17	to	to	PART
fsr-3191	297	18	advice	advice	NOUN
fsr-3191	297	19	on	on	ADP
fsr-3191	297	20	potential	potential	ADJ
fsr-3191	297	21	rollovers	rollover	NOUN
fsr-3191	297	22	from	from	ADP
fsr-3191	297	23	401(k	401(k	NOUN
fsr-3191	297	24	)	)	PUNCT
fsr-3191	297	25	plans	plan	NOUN
fsr-3191	297	26	to	to	PART
fsr-3191	297	27	iras	ira	NOUN
fsr-3191	297	28	.	.	PUNCT
fsr-3191	298	1	o.	o.	PROPN
fsr-3191	298	2	s.	s.	PROPN
fsr-3191	298	3	mitchell	mitchell	PROPN
fsr-3191	298	4	et	et	PROPN
fsr-3191	298	5	al	al	PROPN
fsr-3191	298	6	.	.	PUNCT
fsr-3191	298	7	/	/	SYM
fsr-3191	298	8	financial	financial	ADJ
fsr-3191	298	9	services	service	NOUN
fsr-3191	298	10	review	review	VERB
fsr-3191	298	11	31	31	NUM
fsr-3191	298	12	(	(	PUNCT
fsr-3191	298	13	2023	2023	NUM
fsr-3191	298	14	)	)	PUNCT
fsr-3191	298	15	1–21	1–21	NOUN
fsr-3191	298	16	15	15	NUM
fsr-3191	298	17	as	as	SCONJ
fsr-3191	298	18	noted	note	VERB
fsr-3191	298	19	above	above	ADV
fsr-3191	298	20	,	,	PUNCT
fsr-3191	298	21	participants	participant	NOUN
fsr-3191	298	22	in	in	ADP
fsr-3191	298	23	small	small	ADJ
fsr-3191	298	24	,	,	PUNCT
fsr-3191	298	25	high	high	ADJ
fsr-3191	298	26	-	-	PUNCT
fsr-3191	298	27	fee	fee	NOUN
fsr-3191	298	28	plans	plan	NOUN
fsr-3191	298	29	might	might	AUX
fsr-3191	298	30	benefit	benefit	VERB
fsr-3191	298	31	the	the	DET
fsr-3191	298	32	least	least	ADJ
fsr-3191	298	33	by	by	ADP
fsr-3191	298	34	remaining	remain	VERB
fsr-3191	298	35	in	in	ADP
fsr-3191	298	36	their	their	PRON
fsr-3191	298	37	employer	employer	NOUN
fsr-3191	298	38	’s	’s	PART
fsr-3191	298	39	plans	plan	NOUN
fsr-3191	298	40	after	after	ADP
fsr-3191	298	41	retirement	retirement	NOUN
fsr-3191	298	42	.	.	PUNCT
fsr-3191	299	1	nevertheless	nevertheless	ADV
fsr-3191	299	2	,	,	PUNCT
fsr-3191	299	3	since	since	SCONJ
fsr-3191	299	4	early	early	ADJ
fsr-3191	299	5	2021	2021	NUM
fsr-3191	299	6	,	,	PUNCT
fsr-3191	299	7	u.s	u.s	PROPN
fsr-3191	299	8	.	.	PROPN
fsr-3191	299	9	employers	employer	NOUN
fsr-3191	299	10	have	have	AUX
fsr-3191	299	11	gained	gain	VERB
fsr-3191	299	12	the	the	DET
fsr-3191	299	13	opportunity	opportunity	NOUN
fsr-3191	299	14	to	to	PART
fsr-3191	299	15	join	join	VERB
fsr-3191	299	16	pooled	pool	VERB
fsr-3191	299	17	employer	employer	NOUN
fsr-3191	299	18	plans	plan	NOUN
fsr-3191	299	19	(	(	PUNCT
fsr-3191	299	20	peps	pep	NOUN
fsr-3191	299	21	)	)	PUNCT
fsr-3191	299	22	that	that	PRON
fsr-3191	299	23	permit	permit	VERB
fsr-3191	299	24	otherwise	otherwise	ADV
fsr-3191	299	25	unrelated	unrelated	ADJ
fsr-3191	299	26	employers	employer	NOUN
fsr-3191	299	27	to	to	PART
fsr-3191	299	28	use	use	VERB
fsr-3191	299	29	the	the	DET
fsr-3191	299	30	same	same	ADJ
fsr-3191	299	31	retirement	retirement	NOUN
fsr-3191	299	32	plan	plan	NOUN
fsr-3191	299	33	while	while	SCONJ
fsr-3191	299	34	offloading	offload	VERB
fsr-3191	299	35	most	most	ADJ
fsr-3191	299	36	administrative	administrative	ADJ
fsr-3191	299	37	and	and	CCONJ
fsr-3191	299	38	fiduciary	fiduciary	ADJ
fsr-3191	299	39	responsibility	responsibility	NOUN
fsr-3191	299	40	to	to	ADP
fsr-3191	299	41	the	the	DET
fsr-3191	299	42	pooled	pool	VERB
fsr-3191	299	43	plan	plan	NOUN
fsr-3191	299	44	provider	provider	NOUN
fsr-3191	299	45	(	(	PUNCT
fsr-3191	299	46	ppp	ppp	NOUN
fsr-3191	299	47	)	)	PUNCT
fsr-3191	299	48	.	.	PUNCT
fsr-3191	300	1	so	so	ADV
fsr-3191	300	2	far	far	ADV
fsr-3191	300	3	,	,	PUNCT
fsr-3191	300	4	peps	pep	NOUN
fsr-3191	300	5	have	have	AUX
fsr-3191	300	6	gained	gain	VERB
fsr-3191	300	7	limited	limited	ADJ
fsr-3191	300	8	traction	traction	NOUN
fsr-3191	300	9	,	,	PUNCT
fsr-3191	300	10	but	but	CCONJ
fsr-3191	300	11	as	as	SCONJ
fsr-3191	300	12	they	they	PRON
fsr-3191	300	13	gain	gain	VERB
fsr-3191	300	14	scale	scale	NOUN
fsr-3191	300	15	,	,	PUNCT
fsr-3191	300	16	they	they	PRON
fsr-3191	300	17	could	could	AUX
fsr-3191	300	18	aggregate	aggregate	VERB
fsr-3191	300	19	multiple	multiple	ADJ
fsr-3191	300	20	small	small	ADJ
fsr-3191	300	21	or	or	CCONJ
fsr-3191	300	22	medium	medium	ADJ
fsr-3191	300	23	-	-	PUNCT
fsr-3191	300	24	sized	sized	ADJ
fsr-3191	300	25	employer	employer	NOUN
fsr-3191	300	26	plans	plan	NOUN
fsr-3191	300	27	into	into	ADP
fsr-3191	300	28	one	one	NUM
fsr-3191	300	29	larger	large	ADJ
fsr-3191	300	30	plan	plan	NOUN
fsr-3191	300	31	.	.	PUNCT
fsr-3191	301	1	this	this	PRON
fsr-3191	301	2	could	could	AUX
fsr-3191	301	3	significantly	significantly	ADV
fsr-3191	301	4	reduce	reduce	VERB
fsr-3191	301	5	costs	cost	NOUN
fsr-3191	301	6	and	and	CCONJ
fsr-3191	301	7	improve	improve	VERB
fsr-3191	301	8	the	the	DET
fsr-3191	301	9	rationale	rationale	NOUN
fsr-3191	301	10	for	for	ADP
fsr-3191	301	11	staying	stay	VERB
fsr-3191	301	12	in	in	ADP
fsr-3191	301	13	the	the	DET
fsr-3191	301	14	employer	employer	NOUN
fsr-3191	301	15	-	-	PUNCT
fsr-3191	301	16	sponsored	sponsor	VERB
fsr-3191	301	17	plan	plan	NOUN
fsr-3191	301	18	after	after	ADP
fsr-3191	301	19	retirement	retirement	NOUN
fsr-3191	301	20	.	.	PUNCT
fsr-3191	302	1	technology	technology	NOUN
fsr-3191	302	2	has	have	AUX
fsr-3191	302	3	so	so	ADV
fsr-3191	302	4	far	far	ADV
fsr-3191	302	5	been	be	AUX
fsr-3191	302	6	one	one	NUM
fsr-3191	302	7	of	of	ADP
fsr-3191	302	8	the	the	DET
fsr-3191	302	9	obstacles	obstacle	NOUN
fsr-3191	302	10	to	to	ADP
fsr-3191	302	11	keeping	keep	VERB
fsr-3191	302	12	participants	participant	NOUN
fsr-3191	302	13	in	in	ADP
fsr-3191	302	14	employer	employer	NOUN
fsr-3191	302	15	plans	plan	NOUN
fsr-3191	302	16	after	after	ADP
fsr-3191	302	17	retirement	retirement	NOUN
fsr-3191	302	18	.	.	PUNCT
fsr-3191	303	1	this	this	PRON
fsr-3191	303	2	is	be	AUX
fsr-3191	303	3	because	because	SCONJ
fsr-3191	303	4	401(k	401(k	NOUN
fsr-3191	303	5	)	)	PUNCT
fsr-3191	303	6	recordkeeping	recordkeeping	NOUN
fsr-3191	303	7	systems	system	NOUN
fsr-3191	303	8	are	be	AUX
fsr-3191	303	9	designed	design	VERB
fsr-3191	303	10	primarily	primarily	ADV
fsr-3191	303	11	for	for	ADP
fsr-3191	303	12	the	the	DET
fsr-3191	303	13	accumulation	accumulation	NOUN
fsr-3191	303	14	phase	phase	NOUN
fsr-3191	303	15	,	,	PUNCT
fsr-3191	303	16	and	and	CCONJ
fsr-3191	303	17	they	they	PRON
fsr-3191	303	18	have	have	AUX
fsr-3191	303	19	traditionally	traditionally	ADV
fsr-3191	303	20	not	not	PART
fsr-3191	303	21	offered	offer	VERB
fsr-3191	303	22	participants	participant	NOUN
fsr-3191	303	23	much	much	ADJ
fsr-3191	303	24	flexibility	flexibility	NOUN
fsr-3191	303	25	in	in	ADP
fsr-3191	303	26	drawing	draw	VERB
fsr-3191	303	27	down	down	ADP
fsr-3191	303	28	assets	asset	NOUN
fsr-3191	303	29	.	.	PUNCT
fsr-3191	304	1	the	the	DET
fsr-3191	304	2	options	option	NOUN
fsr-3191	304	3	for	for	ADP
fsr-3191	304	4	receiving	receive	VERB
fsr-3191	304	5	advice	advice	NOUN
fsr-3191	304	6	within	within	ADP
fsr-3191	304	7	employer	employer	NOUN
fsr-3191	304	8	-	-	PUNCT
fsr-3191	304	9	sponsored	sponsor	VERB
fsr-3191	304	10	retirement	retirement	NOUN
fsr-3191	304	11	plans	plan	NOUN
fsr-3191	304	12	have	have	AUX
fsr-3191	304	13	also	also	ADV
fsr-3191	304	14	been	be	AUX
fsr-3191	304	15	limited	limit	VERB
fsr-3191	304	16	.	.	PUNCT
fsr-3191	305	1	this	this	PRON
fsr-3191	305	2	is	be	AUX
fsr-3191	305	3	now	now	ADV
fsr-3191	305	4	starting	start	VERB
fsr-3191	305	5	to	to	PART
fsr-3191	305	6	change	change	VERB
fsr-3191	305	7	,	,	PUNCT
fsr-3191	305	8	however	however	ADV
fsr-3191	305	9	,	,	PUNCT
fsr-3191	305	10	thanks	thank	NOUN
fsr-3191	305	11	to	to	ADP
fsr-3191	305	12	partnerships	partnership	NOUN
fsr-3191	305	13	between	between	ADP
fsr-3191	305	14	policymakers	policymaker	NOUN
fsr-3191	305	15	,	,	PUNCT
fsr-3191	305	16	asset	asset	NOUN
fsr-3191	305	17	managers	manager	NOUN
fsr-3191	305	18	,	,	PUNCT
fsr-3191	305	19	advisors	advisor	NOUN
fsr-3191	305	20	,	,	PUNCT
fsr-3191	305	21	insurers	insurer	NOUN
fsr-3191	305	22	,	,	PUNCT
fsr-3191	305	23	and	and	CCONJ
fsr-3191	305	24	technology	technology	NOUN
fsr-3191	305	25	providers	provider	NOUN
fsr-3191	305	26	.	.	PUNCT
fsr-3191	306	1	for	for	ADP
fsr-3191	306	2	instance	instance	NOUN
fsr-3191	306	3	,	,	PUNCT
fsr-3191	306	4	policymakers	policymaker	NOUN
fsr-3191	306	5	have	have	AUX
fsr-3191	306	6	recommended	recommend	VERB
fsr-3191	306	7	adding	add	VERB
fsr-3191	306	8	annuity	annuity	NOUN
fsr-3191	306	9	products	product	NOUN
fsr-3191	306	10	to	to	ADP
fsr-3191	306	11	retirement	retirement	NOUN
fsr-3191	306	12	plans	plan	NOUN
fsr-3191	306	13	(	(	PUNCT
fsr-3191	306	14	irs	irs	PROPN
fsr-3191	306	15	notice	notice	VERB
fsr-3191	306	16	2014	2014	NUM
fsr-3191	306	17	-	-	SYM
fsr-3191	306	18	66	66	NUM
fsr-3191	306	19	;	;	PUNCT
fsr-3191	306	20	iwry	iwry	PROPN
fsr-3191	306	21	&	&	CCONJ
fsr-3191	306	22	turner	turner	PROPN
fsr-3191	306	23	,	,	PUNCT
fsr-3191	306	24	2009	2009	NUM
fsr-3191	306	25	)	)	PUNCT
fsr-3191	306	26	and	and	CCONJ
fsr-3191	306	27	asset	asset	NOUN
fsr-3191	306	28	managers	manager	NOUN
fsr-3191	306	29	are	be	AUX
fsr-3191	306	30	beginning	begin	VERB
fsr-3191	306	31	to	to	PART
fsr-3191	306	32	embed	embed	VERB
fsr-3191	306	33	annuity	annuity	NOUN
fsr-3191	306	34	products	product	NOUN
fsr-3191	306	35	into	into	ADP
fsr-3191	306	36	target	target	NOUN
fsr-3191	306	37	date	date	NOUN
fsr-3191	306	38	funds	fund	NOUN
fsr-3191	306	39	,	,	PUNCT
fsr-3191	306	40	the	the	DET
fsr-3191	306	41	most	most	ADV
fsr-3191	306	42	used	used	ADJ
fsr-3191	306	43	default	default	NOUN
fsr-3191	306	44	investments	investment	NOUN
fsr-3191	306	45	in	in	ADP
fsr-3191	306	46	401(k	401(k	PROPN
fsr-3191	306	47	)	)	PUNCT
fsr-3191	306	48	plans	plan	NOUN
fsr-3191	306	49	(	(	PUNCT
fsr-3191	306	50	blackrock	blackrock	NOUN
fsr-3191	306	51	,	,	PUNCT
fsr-3191	306	52	2021	2021	NUM
fsr-3191	306	53	;	;	PUNCT
fsr-3191	306	54	state	state	NOUN
fsr-3191	306	55	street	street	NOUN
fsr-3191	306	56	global	global	ADJ
fsr-3191	306	57	advisors	advisor	NOUN
fsr-3191	306	58	,	,	PUNCT
fsr-3191	306	59	2021	2021	NUM
fsr-3191	306	60	)	)	PUNCT
fsr-3191	306	61	.	.	PUNCT
fsr-3191	307	1	insurers	insurer	NOUN
fsr-3191	307	2	,	,	PUNCT
fsr-3191	307	3	recordkeepers	recordkeeper	NOUN
fsr-3191	307	4	,	,	PUNCT
fsr-3191	307	5	and	and	CCONJ
fsr-3191	307	6	asset	asset	NOUN
fsr-3191	307	7	managers	manager	NOUN
fsr-3191	307	8	are	be	AUX
fsr-3191	307	9	partnering	partner	VERB
fsr-3191	307	10	to	to	PART
fsr-3191	307	11	deliver	deliver	VERB
fsr-3191	307	12	new	new	ADJ
fsr-3191	307	13	retirement	retirement	NOUN
fsr-3191	307	14	income	income	NOUN
fsr-3191	307	15	solutions	solution	NOUN
fsr-3191	307	16	(	(	PUNCT
fsr-3191	307	17	pechter	pechter	NOUN
fsr-3191	307	18	,	,	PUNCT
fsr-3191	307	19	2022	2022	NUM
fsr-3191	307	20	)	)	PUNCT
fsr-3191	307	21	.	.	PUNCT
fsr-3191	308	1	managed	manage	VERB
fsr-3191	308	2	account	account	NOUN
fsr-3191	308	3	providers	provider	NOUN
fsr-3191	308	4	are	be	AUX
fsr-3191	308	5	also	also	ADV
fsr-3191	308	6	partnering	partner	VERB
fsr-3191	308	7	with	with	ADP
fsr-3191	308	8	insurance	insurance	NOUN
fsr-3191	308	9	hubs	hub	NOUN
fsr-3191	308	10	to	to	PART
fsr-3191	308	11	provide	provide	VERB
fsr-3191	308	12	retirement	retirement	NOUN
fsr-3191	308	13	planning	planning	NOUN
fsr-3191	308	14	advice	advice	NOUN
fsr-3191	308	15	and	and	CCONJ
fsr-3191	308	16	annuity	annuity	NOUN
fsr-3191	308	17	offerings	offering	NOUN
fsr-3191	308	18	within	within	ADP
fsr-3191	308	19	employer	employer	NOUN
fsr-3191	308	20	plans	plan	NOUN
fsr-3191	308	21	(	(	PUNCT
fsr-3191	308	22	investment	investment	NOUN
fsr-3191	308	23	news	news	NOUN
fsr-3191	308	24	,	,	PUNCT
fsr-3191	308	25	2022	2022	NUM
fsr-3191	308	26	)	)	PUNCT
fsr-3191	308	27	.	.	PUNCT
fsr-3191	309	1	the	the	DET
fsr-3191	309	2	technology	technology	NOUN
fsr-3191	309	3	is	be	AUX
fsr-3191	309	4	improving	improve	VERB
fsr-3191	309	5	,	,	PUNCT
fsr-3191	309	6	and	and	CCONJ
fsr-3191	309	7	managed	manage	VERB
fsr-3191	309	8	accounts	account	NOUN
fsr-3191	309	9	are	be	AUX
fsr-3191	309	10	expanding	expand	VERB
fsr-3191	309	11	to	to	PART
fsr-3191	309	12	provide	provide	VERB
fsr-3191	309	13	additional	additional	ADJ
fsr-3191	309	14	options	option	NOUN
fsr-3191	309	15	for	for	ADP
fsr-3191	309	16	the	the	DET
fsr-3191	309	17	postretirement	postretirement	NOUN
fsr-3191	309	18	phase	phase	NOUN
fsr-3191	309	19	.	.	PUNCT
fsr-3191	310	1	this	this	PRON
fsr-3191	310	2	is	be	AUX
fsr-3191	310	3	likely	likely	ADJ
fsr-3191	310	4	to	to	PART
fsr-3191	310	5	make	make	VERB
fsr-3191	310	6	it	it	PRON
fsr-3191	310	7	increasingly	increasingly	ADV
fsr-3191	310	8	attractive	attractive	ADJ
fsr-3191	310	9	for	for	SCONJ
fsr-3191	310	10	advisors	advisor	NOUN
fsr-3191	310	11	to	to	PART
fsr-3191	310	12	manage	manage	VERB
fsr-3191	310	13	their	their	PRON
fsr-3191	310	14	clients	client	NOUN
fsr-3191	310	15	’	’	PART
fsr-3191	310	16	assets	asset	NOUN
fsr-3191	310	17	within	within	ADP
fsr-3191	310	18	401(k	401(k	NOUN
fsr-3191	310	19	)	)	PUNCT
fsr-3191	310	20	plans	plan	NOUN
fsr-3191	310	21	.	.	PUNCT
fsr-3191	311	1	10	10	NUM
fsr-3191	311	2	.	.	PUNCT
fsr-3191	311	3	conclusions	conclusion	NOUN
fsr-3191	311	4	and	and	CCONJ
fsr-3191	311	5	implications	implication	NOUN
fsr-3191	311	6	for	for	ADP
fsr-3191	311	7	the	the	DET
fsr-3191	311	8	decumulation	decumulation	NOUN
fsr-3191	311	9	period	period	NOUN
fsr-3191	311	10	this	this	DET
fsr-3191	311	11	paper	paper	NOUN
fsr-3191	311	12	has	have	AUX
fsr-3191	311	13	examined	examine	VERB
fsr-3191	311	14	the	the	DET
fsr-3191	311	15	question	question	NOUN
fsr-3191	311	16	of	of	ADP
fsr-3191	311	17	how	how	SCONJ
fsr-3191	311	18	individuals	individual	NOUN
fsr-3191	311	19	should	should	AUX
fsr-3191	311	20	think	think	VERB
fsr-3191	311	21	about	about	ADP
fsr-3191	311	22	the	the	DET
fsr-3191	311	23	choice	choice	NOUN
fsr-3191	311	24	of	of	ADP
fsr-3191	311	25	retaining	retain	VERB
fsr-3191	311	26	their	their	PRON
fsr-3191	311	27	retirement	retirement	NOUN
fsr-3191	311	28	assets	asset	NOUN
fsr-3191	311	29	in	in	ADP
fsr-3191	311	30	their	their	PRON
fsr-3191	311	31	401(k	401(k	NOUN
fsr-3191	311	32	)	)	PUNCT
fsr-3191	311	33	plans	plan	NOUN
fsr-3191	311	34	after	after	ADP
fsr-3191	311	35	retirement	retirement	NOUN
fsr-3191	311	36	versus	versus	ADP
fsr-3191	311	37	rolling	roll	VERB
fsr-3191	311	38	them	they	PRON
fsr-3191	311	39	over	over	ADP
fsr-3191	311	40	to	to	ADP
fsr-3191	311	41	iras	ira	NOUN
fsr-3191	311	42	.	.	PUNCT
fsr-3191	312	1	our	our	PRON
fsr-3191	312	2	particular	particular	ADJ
fsr-3191	312	3	focus	focus	NOUN
fsr-3191	312	4	is	be	AUX
fsr-3191	312	5	on	on	ADP
fsr-3191	312	6	people	people	NOUN
fsr-3191	312	7	with	with	ADP
fsr-3191	312	8	low	low	ADJ
fsr-3191	312	9	or	or	CCONJ
fsr-3191	312	10	moderate	moderate	ADJ
fsr-3191	312	11	levels	level	NOUN
fsr-3191	312	12	of	of	ADP
fsr-3191	312	13	financial	financial	ADJ
fsr-3191	312	14	literacy	literacy	NOUN
fsr-3191	312	15	,	,	PUNCT
fsr-3191	312	16	who	who	PRON
fsr-3191	312	17	comprise	comprise	VERB
fsr-3191	312	18	much	much	ADJ
fsr-3191	312	19	of	of	ADP
fsr-3191	312	20	the	the	DET
fsr-3191	312	21	older	old	ADJ
fsr-3191	312	22	workforce	workforce	NOUN
fsr-3191	312	23	.	.	PUNCT
fsr-3191	313	1	against	against	ADP
fsr-3191	313	2	this	this	DET
fsr-3191	313	3	backdrop	backdrop	NOUN
fsr-3191	313	4	,	,	PUNCT
fsr-3191	313	5	we	we	PRON
fsr-3191	313	6	analyze	analyze	VERB
fsr-3191	313	7	the	the	DET
fsr-3191	313	8	choices	choice	NOUN
fsr-3191	313	9	for	for	ADP
fsr-3191	313	10	retirees	retiree	NOUN
fsr-3191	313	11	most	most	ADV
fsr-3191	313	12	likely	likely	ADJ
fsr-3191	313	13	to	to	PART
fsr-3191	313	14	make	make	VERB
fsr-3191	313	15	mistakes	mistake	NOUN
fsr-3191	313	16	concerning	concern	VERB
fsr-3191	313	17	rollovers	rollover	NOUN
fsr-3191	313	18	.	.	PUNCT
fsr-3191	314	1	we	we	PRON
fsr-3191	314	2	conclude	conclude	VERB
fsr-3191	314	3	that	that	SCONJ
fsr-3191	314	4	,	,	PUNCT
fsr-3191	314	5	for	for	ADP
fsr-3191	314	6	people	people	NOUN
fsr-3191	314	7	in	in	ADP
fsr-3191	314	8	plans	plan	NOUN
fsr-3191	314	9	with	with	ADP
fsr-3191	314	10	high	high	ADJ
fsr-3191	314	11	fees	fee	NOUN
fsr-3191	314	12	,	,	PUNCT
fsr-3191	314	13	which	which	PRON
fsr-3191	314	14	are	be	AUX
fsr-3191	314	15	mostly	mostly	ADV
fsr-3191	314	16	small	small	ADJ
fsr-3191	314	17	plans	plan	NOUN
fsr-3191	314	18	and	and	CCONJ
fsr-3191	314	19	thus	thus	ADV
fsr-3191	314	20	represent	represent	VERB
fsr-3191	314	21	a	a	DET
fsr-3191	314	22	relatively	relatively	ADV
fsr-3191	314	23	small	small	ADJ
fsr-3191	314	24	group	group	NOUN
fsr-3191	314	25	of	of	ADP
fsr-3191	314	26	people	people	NOUN
fsr-3191	314	27	,	,	PUNCT
fsr-3191	314	28	rolling	roll	VERB
fsr-3191	314	29	over	over	ADP
fsr-3191	314	30	to	to	ADP
fsr-3191	314	31	iras	ira	NOUN
fsr-3191	314	32	could	could	AUX
fsr-3191	314	33	be	be	AUX
fsr-3191	314	34	a	a	DET
fsr-3191	314	35	sensible	sensible	ADJ
fsr-3191	314	36	financial	financial	ADJ
fsr-3191	314	37	decision	decision	NOUN
fsr-3191	314	38	.	.	PUNCT
fsr-3191	315	1	yet	yet	ADV
fsr-3191	315	2	most	most	ADJ
fsr-3191	315	3	people	people	NOUN
fsr-3191	315	4	with	with	ADP
fsr-3191	315	5	low	low	ADJ
fsr-3191	315	6	or	or	CCONJ
fsr-3191	315	7	moderate	moderate	ADJ
fsr-3191	315	8	levels	level	NOUN
fsr-3191	315	9	of	of	ADP
fsr-3191	315	10	financial	financial	ADJ
fsr-3191	315	11	literacy	literacy	NOUN
fsr-3191	315	12	will	will	AUX
fsr-3191	315	13	do	do	VERB
fsr-3191	315	14	better	well	ADV
fsr-3191	315	15	financially	financially	ADV
fsr-3191	315	16	by	by	ADP
fsr-3191	315	17	remaining	remain	VERB
fsr-3191	315	18	in	in	ADP
fsr-3191	315	19	their	their	PRON
fsr-3191	315	20	employer	employer	NOUN
fsr-3191	315	21	401(k	401(k	NOUN
fsr-3191	315	22	)	)	PUNCT
fsr-3191	315	23	plans	plan	NOUN
fsr-3191	315	24	.	.	PUNCT
fsr-3191	316	1	an	an	DET
fsr-3191	316	2	important	important	ADJ
fsr-3191	316	3	reason	reason	NOUN
fsr-3191	316	4	is	be	AUX
fsr-3191	316	5	that	that	DET
fsr-3191	316	6	401(k	401(k	NOUN
fsr-3191	316	7	)	)	PUNCT
fsr-3191	316	8	plans	plan	NOUN
fsr-3191	316	9	,	,	PUNCT
fsr-3191	316	10	through	through	ADP
fsr-3191	316	11	the	the	DET
fsr-3191	316	12	use	use	NOUN
fsr-3191	316	13	of	of	ADP
fsr-3191	316	14	defaults	default	NOUN
fsr-3191	316	15	,	,	PUNCT
fsr-3191	316	16	are	be	AUX
fsr-3191	316	17	more	more	ADV
fsr-3191	316	18	likely	likely	ADJ
fsr-3191	316	19	to	to	PART
fsr-3191	316	20	provide	provide	VERB
fsr-3191	316	21	retirees	retiree	NOUN
fsr-3191	316	22	more	more	ADV
fsr-3191	316	23	appropriate	appropriate	ADJ
fsr-3191	316	24	investment	investment	NOUN
fsr-3191	316	25	portfolios	portfolio	NOUN
fsr-3191	316	26	at	at	ADP
fsr-3191	316	27	lower	low	ADJ
fsr-3191	316	28	cost	cost	NOUN
fsr-3191	316	29	compared	compare	VERB
fsr-3191	316	30	with	with	ADP
fsr-3191	316	31	ira	ira	PROPN
fsr-3191	316	32	accounts	account	NOUN
fsr-3191	316	33	.	.	PUNCT
fsr-3191	317	1	even	even	ADV
fsr-3191	317	2	though	though	SCONJ
fsr-3191	317	3	most	most	ADJ
fsr-3191	317	4	401(k	401(k	NOUN
fsr-3191	317	5	)	)	PUNCT
fsr-3191	317	6	plans	plan	NOUN
fsr-3191	317	7	are	be	AUX
fsr-3191	317	8	likely	likely	ADJ
fsr-3191	317	9	to	to	PART
fsr-3191	317	10	offer	offer	VERB
fsr-3191	317	11	lower	low	ADJ
fsr-3191	317	12	fees	fee	NOUN
fsr-3191	317	13	in	in	ADP
fsr-3191	317	14	retirement	retirement	NOUN
fsr-3191	317	15	than	than	ADP
fsr-3191	317	16	iras	ira	NOUN
fsr-3191	317	17	,	,	PUNCT
fsr-3191	317	18	many	many	ADJ
fsr-3191	317	19	retirees	retiree	NOUN
fsr-3191	317	20	still	still	ADV
fsr-3191	317	21	do	do	AUX
fsr-3191	317	22	roll	roll	VERB
fsr-3191	317	23	their	their	PRON
fsr-3191	317	24	assets	asset	NOUN
fsr-3191	317	25	over	over	ADP
fsr-3191	317	26	to	to	ADP
fsr-3191	317	27	iras	ira	NOUN
fsr-3191	317	28	.	.	PUNCT
fsr-3191	318	1	one	one	NUM
fsr-3191	318	2	reason	reason	NOUN
fsr-3191	318	3	is	be	AUX
fsr-3191	318	4	that	that	SCONJ
fsr-3191	318	5	the	the	DET
fsr-3191	318	6	advantages	advantage	NOUN
fsr-3191	318	7	of	of	ADP
fsr-3191	318	8	better	well	ADJ
fsr-3191	318	9	access	access	NOUN
fsr-3191	318	10	to	to	ADP
fsr-3191	318	11	advice	advice	NOUN
fsr-3191	318	12	,	,	PUNCT
fsr-3191	318	13	easier	easy	ADJ
fsr-3191	318	14	account	account	NOUN
fsr-3191	318	15	consolidation	consolidation	NOUN
fsr-3191	318	16	,	,	PUNCT
fsr-3191	318	17	and	and	CCONJ
fsr-3191	318	18	greater	great	ADJ
fsr-3191	318	19	flexibility	flexibility	NOUN
fsr-3191	318	20	of	of	ADP
fsr-3191	318	21	withdrawals	withdrawal	NOUN
fsr-3191	318	22	16	16	NUM
fsr-3191	318	23	o.	o.	PROPN
fsr-3191	318	24	s.	s.	PROPN
fsr-3191	318	25	mitchell	mitchell	PROPN
fsr-3191	318	26	et	et	PROPN
fsr-3191	318	27	al	al	PROPN
fsr-3191	318	28	.	.	PUNCT
fsr-3191	318	29	/	/	SYM
fsr-3191	318	30	financial	financial	ADJ
fsr-3191	318	31	services	service	NOUN
fsr-3191	318	32	review	review	VERB
fsr-3191	318	33	31	31	NUM
fsr-3191	318	34	(	(	PUNCT
fsr-3191	318	35	2023	2023	NUM
fsr-3191	318	36	)	)	PUNCT
fsr-3191	318	37	1–21	1–21	NOUN
fsr-3191	318	38	offered	offer	VERB
fsr-3191	318	39	by	by	ADP
fsr-3191	318	40	iras	ira	NOUN
fsr-3191	318	41	can	can	AUX
fsr-3191	318	42	be	be	AUX
fsr-3191	318	43	seen	see	VERB
fsr-3191	318	44	to	to	PART
fsr-3191	318	45	outweigh	outweigh	VERB
fsr-3191	318	46	the	the	DET
fsr-3191	318	47	cost	cost	NOUN
fsr-3191	318	48	advantages	advantage	NOUN
fsr-3191	318	49	of	of	ADP
fsr-3191	318	50	401(k)s	401(k)s	PROPN
fsr-3191	318	51	.	.	PUNCT
fsr-3191	319	1	another	another	PRON
fsr-3191	319	2	is	be	AUX
fsr-3191	319	3	that	that	SCONJ
fsr-3191	319	4	they	they	PRON
fsr-3191	319	5	may	may	AUX
fsr-3191	319	6	not	not	PART
fsr-3191	319	7	understand	understand	VERB
fsr-3191	319	8	that	that	SCONJ
fsr-3191	319	9	they	they	PRON
fsr-3191	319	10	could	could	AUX
fsr-3191	319	11	leave	leave	VERB
fsr-3191	319	12	their	their	PRON
fsr-3191	319	13	assets	asset	NOUN
fsr-3191	319	14	in	in	ADP
fsr-3191	319	15	their	their	PRON
fsr-3191	319	16	employer	employer	NOUN
fsr-3191	319	17	plans	plan	NOUN
fsr-3191	319	18	after	after	ADP
fsr-3191	319	19	retirement	retirement	NOUN
fsr-3191	319	20	,	,	PUNCT
fsr-3191	319	21	as	as	SCONJ
fsr-3191	319	22	plan	plan	NOUN
fsr-3191	319	23	sponsors	sponsor	NOUN
fsr-3191	319	24	may	may	AUX
fsr-3191	319	25	not	not	PART
fsr-3191	319	26	actively	actively	ADV
fsr-3191	319	27	promote	promote	VERB
fsr-3191	319	28	this	this	DET
fsr-3191	319	29	option	option	NOUN
fsr-3191	319	30	.	.	PUNCT
fsr-3191	320	1	by	by	ADP
fsr-3191	320	2	contrast	contrast	NOUN
fsr-3191	320	3	,	,	PUNCT
fsr-3191	320	4	ira	ira	PROPN
fsr-3191	320	5	providers	provider	NOUN
fsr-3191	320	6	continue	continue	VERB
fsr-3191	320	7	to	to	PART
fsr-3191	320	8	actively	actively	ADV
fsr-3191	320	9	market	market	VERB
fsr-3191	320	10	their	their	PRON
fsr-3191	320	11	services	service	NOUN
fsr-3191	320	12	.	.	PUNCT
fsr-3191	321	1	we	we	PRON
fsr-3191	321	2	suggest	suggest	VERB
fsr-3191	321	3	that	that	SCONJ
fsr-3191	321	4	this	this	PRON
fsr-3191	321	5	may	may	AUX
fsr-3191	321	6	be	be	AUX
fsr-3191	321	7	changing	change	VERB
fsr-3191	321	8	,	,	PUNCT
fsr-3191	321	9	as	as	SCONJ
fsr-3191	321	10	legislators	legislator	NOUN
fsr-3191	321	11	make	make	VERB
fsr-3191	321	12	it	it	PRON
fsr-3191	321	13	easier	easy	ADJ
fsr-3191	321	14	to	to	PART
fsr-3191	321	15	include	include	VERB
fsr-3191	321	16	income	income	NOUN
fsr-3191	321	17	products	product	NOUN
fsr-3191	321	18	in	in	ADP
fsr-3191	321	19	401(k	401(k	PROPN
fsr-3191	321	20	)	)	PUNCT
fsr-3191	321	21	plan	plan	NOUN
fsr-3191	321	22	menus	menus	NOUN
fsr-3191	321	23	.	.	PUNCT
fsr-3191	322	1	moreover	moreover	ADV
fsr-3191	322	2	,	,	PUNCT
fsr-3191	322	3	asset	asset	NOUN
fsr-3191	322	4	managers	manager	NOUN
fsr-3191	322	5	,	,	PUNCT
fsr-3191	322	6	managed	manage	VERB
fsr-3191	322	7	account	account	NOUN
fsr-3191	322	8	providers	provider	NOUN
fsr-3191	322	9	,	,	PUNCT
fsr-3191	322	10	insurers	insurer	NOUN
fsr-3191	322	11	,	,	PUNCT
fsr-3191	322	12	and	and	CCONJ
fsr-3191	322	13	recordkeepers	recordkeeper	NOUN
fsr-3191	322	14	are	be	AUX
fsr-3191	322	15	beginning	begin	VERB
fsr-3191	322	16	to	to	PART
fsr-3191	322	17	partner	partner	VERB
fsr-3191	322	18	with	with	ADP
fsr-3191	322	19	new	new	ADJ
fsr-3191	322	20	technology	technology	NOUN
fsr-3191	322	21	providers	provider	NOUN
fsr-3191	322	22	to	to	PART
fsr-3191	322	23	make	make	VERB
fsr-3191	322	24	it	it	PRON
fsr-3191	322	25	easier	easy	ADJ
fsr-3191	322	26	for	for	SCONJ
fsr-3191	322	27	retirees	retiree	NOUN
fsr-3191	322	28	and	and	CCONJ
fsr-3191	322	29	their	their	PRON
fsr-3191	322	30	advisors	advisor	NOUN
fsr-3191	322	31	to	to	PART
fsr-3191	322	32	continue	continue	VERB
fsr-3191	322	33	using	use	VERB
fsr-3191	322	34	their	their	PRON
fsr-3191	322	35	401(k	401(k	NOUN
fsr-3191	322	36	)	)	PUNCT
fsr-3191	322	37	plans	plan	VERB
fsr-3191	322	38	to	to	PART
fsr-3191	322	39	manage	manage	VERB
fsr-3191	322	40	assets	asset	NOUN
fsr-3191	322	41	in	in	ADP
fsr-3191	322	42	retirement	retirement	NOUN
fsr-3191	322	43	.	.	PUNCT
fsr-3191	323	1	both	both	DET
fsr-3191	323	2	401(k	401(k	NOUN
fsr-3191	323	3	)	)	PUNCT
fsr-3191	323	4	plans	plan	NOUN
fsr-3191	323	5	and	and	CCONJ
fsr-3191	323	6	iras	ira	NOUN
fsr-3191	323	7	must	must	AUX
fsr-3191	323	8	evolve	evolve	VERB
fsr-3191	323	9	if	if	SCONJ
fsr-3191	323	10	they	they	PRON
fsr-3191	323	11	are	be	AUX
fsr-3191	323	12	to	to	PART
fsr-3191	323	13	provide	provide	VERB
fsr-3191	323	14	better	well	ADJ
fsr-3191	323	15	options	option	NOUN
fsr-3191	323	16	for	for	ADP
fsr-3191	323	17	participants	participant	NOUN
fsr-3191	323	18	in	in	ADP
fsr-3191	323	19	the	the	DET
fsr-3191	323	20	decumulation	decumulation	NOUN
fsr-3191	323	21	phase	phase	NOUN
fsr-3191	323	22	of	of	ADP
fsr-3191	323	23	life	life	NOUN
fsr-3191	323	24	.	.	PUNCT
fsr-3191	324	1	fornia	fornia	PROPN
fsr-3191	324	2	and	and	CCONJ
fsr-3191	324	3	doonan	doonan	PROPN
fsr-3191	324	4	(	(	PUNCT
fsr-3191	324	5	2022	2022	NUM
fsr-3191	324	6	)	)	PUNCT
fsr-3191	324	7	argue	argue	VERB
fsr-3191	324	8	that	that	SCONJ
fsr-3191	324	9	a	a	DET
fsr-3191	324	10	typical	typical	ADJ
fsr-3191	324	11	defined	define	VERB
fsr-3191	324	12	benefit	benefit	NOUN
fsr-3191	324	13	(	(	PUNCT
fsr-3191	324	14	db	db	NOUN
fsr-3191	324	15	)	)	PUNCT
fsr-3191	324	16	plan	plan	NOUN
fsr-3191	324	17	with	with	ADP
fsr-3191	324	18	longevity	longevity	NOUN
fsr-3191	324	19	risk	risk	NOUN
fsr-3191	324	20	pooling	pooling	NOUN
fsr-3191	324	21	,	,	PUNCT
fsr-3191	324	22	lower	low	ADJ
fsr-3191	324	23	fees	fee	NOUN
fsr-3191	324	24	,	,	PUNCT
fsr-3191	324	25	and	and	CCONJ
fsr-3191	324	26	professional	professional	ADJ
fsr-3191	324	27	money	money	NOUN
fsr-3191	324	28	management	management	NOUN
fsr-3191	324	29	can	can	AUX
fsr-3191	324	30	deliver	deliver	VERB
fsr-3191	324	31	almost	almost	ADV
fsr-3191	324	32	twice	twice	DET
fsr-3191	324	33	as	as	ADV
fsr-3191	324	34	much	much	ADJ
fsr-3191	324	35	income	income	NOUN
fsr-3191	324	36	per	per	ADP
fsr-3191	324	37	dollar	dollar	NOUN
fsr-3191	324	38	invested	invest	VERB
fsr-3191	324	39	as	as	ADP
fsr-3191	324	40	a	a	DET
fsr-3191	324	41	typical	typical	ADJ
fsr-3191	324	42	dc	dc	PROPN
fsr-3191	324	43	plan	plan	NOUN
fsr-3191	324	44	,	,	PUNCT
fsr-3191	324	45	with	with	ADP
fsr-3191	324	46	four	four	NUM
fsr-3191	324	47	-	-	PUNCT
fsr-3191	324	48	fifths	fifth	NOUN
fsr-3191	324	49	of	of	ADP
fsr-3191	324	50	this	this	DET
fsr-3191	324	51	advantage	advantage	NOUN
fsr-3191	324	52	stemming	stem	VERB
fsr-3191	324	53	from	from	ADP
fsr-3191	324	54	more	more	ADV
fsr-3191	324	55	efficient	efficient	ADJ
fsr-3191	324	56	management	management	NOUN
fsr-3191	324	57	of	of	ADP
fsr-3191	324	58	the	the	DET
fsr-3191	324	59	post	post	ADJ
fsr-3191	324	60	-	-	ADJ
fsr-3191	324	61	retirement	retirement	ADJ
fsr-3191	324	62	phase	phase	NOUN
fsr-3191	324	63	.	.	PUNCT
fsr-3191	325	1	incorporating	incorporate	VERB
fsr-3191	325	2	longevity	longevity	NOUN
fsr-3191	325	3	risk	risk	NOUN
fsr-3191	325	4	pooling	pool	VERB
fsr-3191	325	5	into	into	ADP
fsr-3191	325	6	the	the	DET
fsr-3191	325	7	management	management	NOUN
fsr-3191	325	8	of	of	ADP
fsr-3191	325	9	dc	dc	PROPN
fsr-3191	325	10	assets	asset	NOUN
fsr-3191	325	11	in	in	ADP
fsr-3191	325	12	the	the	DET
fsr-3191	325	13	retirement	retirement	NOUN
fsr-3191	325	14	phase	phase	NOUN
fsr-3191	325	15	could	could	AUX
fsr-3191	325	16	enable	enable	VERB
fsr-3191	325	17	many	many	ADJ
fsr-3191	325	18	dc	dc	PROPN
fsr-3191	325	19	plans	plan	NOUN
fsr-3191	325	20	to	to	PART
fsr-3191	325	21	adopt	adopt	VERB
fsr-3191	325	22	attractive	attractive	ADJ
fsr-3191	325	23	features	feature	NOUN
fsr-3191	325	24	of	of	ADP
fsr-3191	325	25	db	db	PROPN
fsr-3191	325	26	plans	plan	NOUN
fsr-3191	325	27	while	while	SCONJ
fsr-3191	325	28	avoiding	avoid	VERB
fsr-3191	325	29	employer	employer	NOUN
fsr-3191	325	30	liability	liability	NOUN
fsr-3191	325	31	as	as	ADV
fsr-3191	325	32	well	well	ADV
fsr-3191	325	33	as	as	ADP
fsr-3191	325	34	the	the	DET
fsr-3191	325	35	funding	funding	NOUN
fsr-3191	325	36	and	and	CCONJ
fsr-3191	325	37	portability	portability	NOUN
fsr-3191	325	38	problems	problem	NOUN
fsr-3191	325	39	that	that	PRON
fsr-3191	325	40	the	the	DET
fsr-3191	325	41	latter	latter	ADJ
fsr-3191	325	42	have	have	AUX
fsr-3191	325	43	experienced	experience	VERB
fsr-3191	325	44	.	.	PUNCT
fsr-3191	326	1	one	one	NUM
fsr-3191	326	2	new	new	ADJ
fsr-3191	326	3	approach	approach	NOUN
fsr-3191	326	4	proposed	propose	VERB
fsr-3191	326	5	by	by	ADP
fsr-3191	326	6	fullmer	fullmer	NOUN
fsr-3191	326	7	and	and	CCONJ
fsr-3191	326	8	turner	turner	NOUN
fsr-3191	326	9	(	(	PUNCT
fsr-3191	326	10	2022	2022	NUM
fsr-3191	326	11	)	)	PUNCT
fsr-3191	326	12	would	would	AUX
fsr-3191	326	13	be	be	AUX
fsr-3191	326	14	to	to	PART
fsr-3191	326	15	enable	enable	VERB
fsr-3191	326	16	robo	robo	NOUN
fsr-3191	326	17	-	-	PUNCT
fsr-3191	326	18	advisors	advisor	NOUN
fsr-3191	326	19	to	to	PART
fsr-3191	326	20	provide	provide	VERB
fsr-3191	326	21	tontines	tontine	NOUN
fsr-3191	326	22	.	.	PUNCT
fsr-3191	327	1	these	these	PRON
fsr-3191	327	2	involve	involve	VERB
fsr-3191	327	3	financial	financial	ADJ
fsr-3191	327	4	risk	risk	NOUN
fsr-3191	327	5	pools	pool	NOUN
fsr-3191	327	6	where	where	SCONJ
fsr-3191	327	7	participants	participant	NOUN
fsr-3191	327	8	“	"	PUNCT
fsr-3191	327	9	mutually	mutually	ADV
fsr-3191	327	10	and	and	CCONJ
fsr-3191	327	11	irrevocably	irrevocably	ADV
fsr-3191	327	12	agree	agree	VERB
fsr-3191	327	13	to	to	PART
fsr-3191	327	14	receive	receive	VERB
fsr-3191	327	15	payouts	payout	NOUN
fsr-3191	327	16	while	while	SCONJ
fsr-3191	327	17	living	live	VERB
fsr-3191	327	18	and	and	CCONJ
fsr-3191	327	19	share	share	VERB
fsr-3191	327	20	the	the	DET
fsr-3191	327	21	proceeds	proceed	NOUN
fsr-3191	327	22	of	of	ADP
fsr-3191	327	23	their	their	PRON
fsr-3191	327	24	accounts	account	NOUN
fsr-3191	327	25	upon	upon	SCONJ
fsr-3191	327	26	death	death	NOUN
fsr-3191	327	27	”	"	PUNCT
fsr-3191	327	28	(	(	PUNCT
fsr-3191	327	29	fullmer	fullmer	NOUN
fsr-3191	327	30	&	&	CCONJ
fsr-3191	327	31	sabin	sabin	PROPN
fsr-3191	327	32	,	,	PUNCT
fsr-3191	327	33	2018	2018	NUM
fsr-3191	327	34	)	)	PUNCT
fsr-3191	327	35	.	.	PUNCT
fsr-3191	328	1	longer	long	ADJ
fsr-3191	328	2	term	term	NOUN
fsr-3191	328	3	,	,	PUNCT
fsr-3191	328	4	retaining	retain	VERB
fsr-3191	328	5	assets	asset	NOUN
fsr-3191	328	6	in	in	ADP
fsr-3191	328	7	employer	employer	NOUN
fsr-3191	328	8	plans	plan	NOUN
fsr-3191	328	9	after	after	ADP
fsr-3191	328	10	retirement	retirement	NOUN
fsr-3191	328	11	could	could	AUX
fsr-3191	328	12	usher	usher	VERB
fsr-3191	328	13	in	in	ADP
fsr-3191	328	14	a	a	DET
fsr-3191	328	15	new	new	ADJ
fsr-3191	328	16	era	era	NOUN
fsr-3191	328	17	of	of	ADP
fsr-3191	328	18	collectively	collectively	ADV
fsr-3191	328	19	managed	manage	VERB
fsr-3191	328	20	investment	investment	NOUN
fsr-3191	328	21	solutions	solution	NOUN
fsr-3191	328	22	for	for	ADP
fsr-3191	328	23	retirees	retiree	NOUN
fsr-3191	328	24	that	that	PRON
fsr-3191	328	25	could	could	AUX
fsr-3191	328	26	help	help	VERB
fsr-3191	328	27	plan	plan	VERB
fsr-3191	328	28	sponsors	sponsor	NOUN
fsr-3191	328	29	“	"	PUNCT
fsr-3191	328	30	put	put	VERB
fsr-3191	328	31	the	the	DET
fsr-3191	328	32	pension	pension	NOUN
fsr-3191	328	33	back	back	ADV
fsr-3191	328	34	”	"	PUNCT
fsr-3191	328	35	into	into	ADP
fsr-3191	328	36	dc	dc	PROPN
fsr-3191	328	37	plans	plan	NOUN
fsr-3191	328	38	(	(	PUNCT
fsr-3191	328	39	horneff	horneff	NOUN
fsr-3191	328	40	et	et	NOUN
fsr-3191	328	41	al	al	PROPN
fsr-3191	328	42	.	.	PROPN
fsr-3191	328	43	,	,	PUNCT
fsr-3191	328	44	2020	2020	NUM
fsr-3191	328	45	;	;	PUNCT
fsr-3191	328	46	iwry	iwry	VERB
fsr-3191	328	47	et	et	PROPN
fsr-3191	328	48	al	al	PROPN
fsr-3191	328	49	.	.	PROPN
fsr-3191	328	50	,	,	PUNCT
fsr-3191	328	51	2021	2021	NUM
fsr-3191	328	52	)	)	PUNCT
fsr-3191	328	53	.	.	PUNCT
fsr-3191	329	1	ultimately	ultimately	ADV
fsr-3191	329	2	,	,	PUNCT
fsr-3191	329	3	and	and	CCONJ
fsr-3191	329	4	most	most	ADV
fsr-3191	329	5	importantly	importantly	ADV
fsr-3191	329	6	,	,	PUNCT
fsr-3191	329	7	this	this	PRON
fsr-3191	329	8	could	could	AUX
fsr-3191	329	9	yield	yield	VERB
fsr-3191	329	10	better	well	ADJ
fsr-3191	329	11	outcomes	outcome	NOUN
fsr-3191	329	12	,	,	PUNCT
fsr-3191	329	13	more	more	ADJ
fsr-3191	329	14	retirement	retirement	NOUN
fsr-3191	329	15	confidence	confidence	NOUN
fsr-3191	329	16	,	,	PUNCT
fsr-3191	329	17	and	and	CCONJ
fsr-3191	329	18	greater	great	ADJ
fsr-3191	329	19	security	security	NOUN
fsr-3191	329	20	for	for	ADP
fsr-3191	329	21	retirees	retiree	NOUN
fsr-3191	329	22	.	.	PUNCT
fsr-3191	330	1	notes	note	NOUN
fsr-3191	330	2	1	1	NUM
fsr-3191	330	3	for	for	ADP
fsr-3191	330	4	instance	instance	NOUN
fsr-3191	330	5	,	,	PUNCT
fsr-3191	330	6	only	only	ADV
fsr-3191	330	7	34	34	NUM
fsr-3191	330	8	%	%	NOUN
fsr-3191	330	9	of	of	ADP
fsr-3191	330	10	older	old	ADJ
fsr-3191	330	11	americans	american	NOUN
fsr-3191	330	12	over	over	ADP
fsr-3191	330	13	age	age	NOUN
fsr-3191	330	14	50	50	NUM
fsr-3191	330	15	could	could	AUX
fsr-3191	330	16	correctly	correctly	ADV
fsr-3191	330	17	answer	answer	VERB
fsr-3191	330	18	the	the	DET
fsr-3191	330	19	“	"	PUNCT
fsr-3191	330	20	big	big	ADJ
fsr-3191	330	21	three	three	NUM
fsr-3191	330	22	”	"	PUNCT
fsr-3191	330	23	questions	question	NOUN
fsr-3191	330	24	on	on	ADP
fsr-3191	330	25	interest	interest	NOUN
fsr-3191	330	26	rates	rate	NOUN
fsr-3191	330	27	,	,	PUNCT
fsr-3191	330	28	inflation	inflation	NOUN
fsr-3191	330	29	,	,	PUNCT
fsr-3191	330	30	and	and	CCONJ
fsr-3191	330	31	stock	stock	NOUN
fsr-3191	330	32	risk	risk	NOUN
fsr-3191	330	33	posed	pose	VERB
fsr-3191	330	34	in	in	ADP
fsr-3191	330	35	the	the	DET
fsr-3191	330	36	2004	2004	NUM
fsr-3191	330	37	health	health	NOUN
fsr-3191	330	38	and	and	CCONJ
fsr-3191	330	39	retirement	retirement	NOUN
fsr-3191	330	40	study	study	NOUN
fsr-3191	330	41	(	(	PUNCT
fsr-3191	330	42	lusardi	lusardi	PROPN
fsr-3191	330	43	&	&	CCONJ
fsr-3191	330	44	mitchell	mitchell	PROPN
fsr-3191	330	45	,	,	PUNCT
fsr-3191	330	46	2014	2014	NUM
fsr-3191	330	47	)	)	PUNCT
fsr-3191	330	48	.	.	PUNCT
fsr-3191	331	1	2	2	NUM
fsr-3191	331	2	there	there	PRON
fsr-3191	331	3	is	be	VERB
fsr-3191	331	4	also	also	ADV
fsr-3191	331	5	a	a	DET
fsr-3191	331	6	suboption	suboption	NOUN
fsr-3191	331	7	,	,	PUNCT
fsr-3191	331	8	where	where	SCONJ
fsr-3191	331	9	participants	participant	NOUN
fsr-3191	331	10	who	who	PRON
fsr-3191	331	11	retire	retire	VERB
fsr-3191	331	12	with	with	ADP
fsr-3191	331	13	benefits	benefit	NOUN
fsr-3191	331	14	at	at	ADP
fsr-3191	331	15	more	more	ADJ
fsr-3191	331	16	than	than	ADP
fsr-3191	331	17	one	one	NUM
fsr-3191	331	18	workplace	workplace	NOUN
fsr-3191	331	19	plan	plan	NOUN
fsr-3191	331	20	may	may	AUX
fsr-3191	331	21	choose	choose	VERB
fsr-3191	331	22	to	to	PART
fsr-3191	331	23	consolidate	consolidate	VERB
fsr-3191	331	24	all	all	DET
fsr-3191	331	25	their	their	PRON
fsr-3191	331	26	benefits	benefit	NOUN
fsr-3191	331	27	into	into	ADP
fsr-3191	331	28	one	one	NUM
fsr-3191	331	29	of	of	ADP
fsr-3191	331	30	these	these	DET
fsr-3191	331	31	workplace	workplace	NOUN
fsr-3191	331	32	plans	plan	NOUN
fsr-3191	331	33	.	.	PUNCT
fsr-3191	332	1	3	3	NUM
fsr-3191	332	2	generally	generally	ADV
fsr-3191	332	3	,	,	PUNCT
fsr-3191	332	4	the	the	DET
fsr-3191	332	5	amounts	amount	NOUN
fsr-3191	332	6	an	an	DET
fsr-3191	332	7	individual	individual	ADJ
fsr-3191	332	8	withdraws	withdraw	NOUN
fsr-3191	332	9	from	from	ADP
fsr-3191	332	10	an	an	DET
fsr-3191	332	11	ira	ira	PROPN
fsr-3191	332	12	or	or	CCONJ
fsr-3191	332	13	retirement	retirement	NOUN
fsr-3191	332	14	plan	plan	NOUN
fsr-3191	332	15	before	before	ADP
fsr-3191	332	16	reaching	reach	VERB
fsr-3191	332	17	age	age	NOUN
fsr-3191	332	18	59½	59½	NUM
fsr-3191	332	19	are	be	AUX
fsr-3191	332	20	called	call	VERB
fsr-3191	332	21	“	"	PUNCT
fsr-3191	332	22	early	early	ADJ
fsr-3191	332	23	”	"	PUNCT
fsr-3191	332	24	distributions	distribution	NOUN
fsr-3191	332	25	.	.	PUNCT
fsr-3191	333	1	individuals	individual	NOUN
fsr-3191	333	2	must	must	AUX
fsr-3191	333	3	pay	pay	VERB
fsr-3191	333	4	an	an	DET
fsr-3191	333	5	additional	additional	ADJ
fsr-3191	333	6	10	10	NUM
fsr-3191	333	7	%	%	NOUN
fsr-3191	333	8	early	early	ADJ
fsr-3191	333	9	withdrawal	withdrawal	NOUN
fsr-3191	333	10	tax	tax	NOUN
fsr-3191	333	11	unless	unless	SCONJ
fsr-3191	333	12	an	an	DET
fsr-3191	333	13	exception	exception	NOUN
fsr-3191	333	14	applies	apply	VERB
fsr-3191	333	15	.	.	PUNCT
fsr-3191	334	1	one	one	NUM
fsr-3191	334	2	exception	exception	NOUN
fsr-3191	334	3	is	be	AUX
fsr-3191	334	4	that	that	SCONJ
fsr-3191	334	5	employees	employee	NOUN
fsr-3191	334	6	in	in	ADP
fsr-3191	334	7	401(k	401(k	NOUN
fsr-3191	334	8	)	)	PUNCT
fsr-3191	334	9	plans	plan	NOUN
fsr-3191	334	10	who	who	PRON
fsr-3191	334	11	leave	leave	VERB
fsr-3191	334	12	their	their	PRON
fsr-3191	334	13	job	job	NOUN
fsr-3191	334	14	after	after	ADP
fsr-3191	334	15	age	age	NOUN
fsr-3191	334	16	55	55	NUM
fsr-3191	334	17	are	be	AUX
fsr-3191	334	18	not	not	PART
fsr-3191	334	19	subject	subject	ADJ
fsr-3191	334	20	to	to	ADP
fsr-3191	334	21	the	the	DET
fsr-3191	334	22	penalty	penalty	NOUN
fsr-3191	334	23	tax	tax	NOUN
fsr-3191	334	24	(	(	PUNCT
fsr-3191	334	25	internal	internal	ADJ
fsr-3191	334	26	revenue	revenue	NOUN
fsr-3191	334	27	service	service	NOUN
fsr-3191	334	28	,	,	PUNCT
fsr-3191	334	29	2021	2021	NUM
fsr-3191	334	30	)	)	PUNCT
fsr-3191	334	31	.	.	PUNCT
fsr-3191	335	1	4	4	NUM
fsr-3191	335	2	while	while	SCONJ
fsr-3191	335	3	we	we	PRON
fsr-3191	335	4	refer	refer	VERB
fsr-3191	335	5	specifically	specifically	ADV
fsr-3191	335	6	to	to	ADP
fsr-3191	335	7	401(k	401(k	PROPN
fsr-3191	335	8	)	)	PUNCT
fsr-3191	335	9	plans	plan	NOUN
fsr-3191	335	10	,	,	PUNCT
fsr-3191	335	11	our	our	PRON
fsr-3191	335	12	analysis	analysis	NOUN
fsr-3191	335	13	applies	apply	VERB
fsr-3191	335	14	generally	generally	ADV
fsr-3191	335	15	to	to	ADP
fsr-3191	335	16	employer	employer	NOUN
fsr-3191	335	17	-	-	PUNCT
fsr-3191	335	18	sponsored	sponsor	VERB
fsr-3191	335	19	defined	define	VERB
fsr-3191	335	20	contribution	contribution	NOUN
fsr-3191	335	21	plans	plan	NOUN
fsr-3191	335	22	,	,	PUNCT
fsr-3191	335	23	including	include	VERB
fsr-3191	335	24	money	money	NOUN
fsr-3191	335	25	purchase	purchase	NOUN
fsr-3191	335	26	,	,	PUNCT
fsr-3191	335	27	403(a	403(a	NOUN
fsr-3191	335	28	)	)	PUNCT
fsr-3191	335	29	,	,	PUNCT
fsr-3191	335	30	403(b	403(b	PROPN
fsr-3191	335	31	)	)	PUNCT
fsr-3191	335	32	,	,	PUNCT
fsr-3191	335	33	and	and	CCONJ
fsr-3191	335	34	governmental	governmental	ADJ
fsr-3191	335	35	457(b	457(b	PROPN
fsr-3191	335	36	)	)	PUNCT
fsr-3191	335	37	plans	plan	NOUN
fsr-3191	335	38	,	,	PUNCT
fsr-3191	335	39	and	and	CCONJ
fsr-3191	335	40	the	the	DET
fsr-3191	335	41	federal	federal	ADJ
fsr-3191	335	42	thrift	thrift	NOUN
fsr-3191	335	43	savings	saving	NOUN
fsr-3191	335	44	plan	plan	NOUN
fsr-3191	335	45	.	.	PUNCT
fsr-3191	336	1	5	5	NUM
fsr-3191	336	2	some	some	DET
fsr-3191	336	3	robo	robo	NOUN
fsr-3191	336	4	-	-	PUNCT
fsr-3191	336	5	advisors	advisor	NOUN
fsr-3191	336	6	have	have	AUX
fsr-3191	336	7	also	also	ADV
fsr-3191	336	8	started	start	VERB
fsr-3191	336	9	to	to	PART
fsr-3191	336	10	provide	provide	VERB
fsr-3191	336	11	advice	advice	NOUN
fsr-3191	336	12	concerning	concern	VERB
fsr-3191	336	13	the	the	DET
fsr-3191	336	14	decumulation	decumulation	NOUN
fsr-3191	336	15	phase	phase	NOUN
fsr-3191	336	16	,	,	PUNCT
fsr-3191	336	17	though	though	SCONJ
fsr-3191	336	18	agnew	agnew	PROPN
fsr-3191	336	19	and	and	CCONJ
fsr-3191	336	20	mitchell	mitchell	PROPN
fsr-3191	336	21	(	(	PUNCT
fsr-3191	336	22	2019	2019	NUM
fsr-3191	336	23	)	)	PUNCT
fsr-3191	336	24	and	and	CCONJ
fsr-3191	336	25	fisch	fisch	PROPN
fsr-3191	336	26	et	et	PROPN
fsr-3191	336	27	al	al	PROPN
fsr-3191	336	28	.	.	PROPN
fsr-3191	337	1	(	(	PUNCT
fsr-3191	337	2	2019	2019	NUM
fsr-3191	337	3	)	)	PUNCT
fsr-3191	337	4	report	report	NOUN
fsr-3191	337	5	that	that	SCONJ
fsr-3191	337	6	much	much	ADJ
fsr-3191	337	7	remains	remain	VERB
fsr-3191	337	8	to	to	PART
fsr-3191	337	9	be	be	AUX
fsr-3191	337	10	done	do	VERB
fsr-3191	337	11	in	in	ADP
fsr-3191	337	12	this	this	DET
fsr-3191	337	13	regard	regard	NOUN
fsr-3191	337	14	.	.	PUNCT
fsr-3191	338	1	o.	o.	PROPN
fsr-3191	338	2	s.	s.	PROPN
fsr-3191	338	3	mitchell	mitchell	PROPN
fsr-3191	338	4	et	et	PROPN
fsr-3191	338	5	al	al	PROPN
fsr-3191	338	6	.	.	PUNCT
fsr-3191	338	7	/	/	SYM
fsr-3191	338	8	financial	financial	ADJ
fsr-3191	338	9	services	service	NOUN
fsr-3191	338	10	review	review	VERB
fsr-3191	338	11	31	31	NUM
fsr-3191	338	12	(	(	PUNCT
fsr-3191	338	13	2023	2023	NUM
fsr-3191	338	14	)	)	PUNCT
fsr-3191	338	15	1–21	1–21	PROPN
fsr-3191	338	16	17	17	NUM
fsr-3191	338	17	6	6	NUM
fsr-3191	338	18	a	a	DET
fsr-3191	338	19	similar	similar	ADJ
fsr-3191	338	20	point	point	NOUN
fsr-3191	338	21	was	be	AUX
fsr-3191	338	22	made	make	VERB
fsr-3191	338	23	by	by	ADP
fsr-3191	338	24	tang	tang	PROPN
fsr-3191	338	25	et	et	PROPN
fsr-3191	338	26	al	al	PROPN
fsr-3191	338	27	.	.	PROPN
fsr-3191	339	1	(	(	PUNCT
fsr-3191	339	2	2010	2010	NUM
fsr-3191	339	3	)	)	PUNCT
fsr-3191	339	4	for	for	ADP
fsr-3191	339	5	a	a	DET
fsr-3191	339	6	large	large	ADJ
fsr-3191	339	7	sample	sample	NOUN
fsr-3191	339	8	of	of	ADP
fsr-3191	339	9	private	private	ADJ
fsr-3191	339	10	sector	sector	NOUN
fsr-3191	339	11	401(k	401(k	PROPN
fsr-3191	339	12	)	)	PUNCT
fsr-3191	339	13	plans	plan	NOUN
fsr-3191	339	14	.	.	PUNCT
fsr-3191	340	1	turner	turner	PROPN
fsr-3191	340	2	et	et	PROPN
fsr-3191	340	3	al	al	PROPN
fsr-3191	340	4	.	.	PROPN
fsr-3191	341	1	(	(	PUNCT
fsr-3191	341	2	2016	2016	NUM
fsr-3191	341	3	)	)	PUNCT
fsr-3191	341	4	investigate	investigate	VERB
fsr-3191	341	5	issues	issue	NOUN
fsr-3191	341	6	relating	relate	VERB
fsr-3191	341	7	to	to	ADP
fsr-3191	341	8	rollovers	rollover	NOUN
fsr-3191	341	9	from	from	ADP
fsr-3191	341	10	the	the	DET
fsr-3191	341	11	thrift	thrift	NOUN
fsr-3191	341	12	savings	saving	NOUN
fsr-3191	341	13	plan	plan	NOUN
fsr-3191	341	14	,	,	PUNCT
fsr-3191	341	15	and	and	CCONJ
fsr-3191	341	16	turner	turner	PROPN
fsr-3191	341	17	and	and	CCONJ
fsr-3191	341	18	klein	klein	PROPN
fsr-3191	341	19	(	(	PUNCT
fsr-3191	341	20	2014	2014	NUM
fsr-3191	341	21	)	)	PUNCT
fsr-3191	341	22	study	study	NOUN
fsr-3191	341	23	rollovers	rollover	NOUN
fsr-3191	341	24	from	from	ADP
fsr-3191	341	25	401(k	401(k	PROPN
fsr-3191	341	26	)	)	PUNCT
fsr-3191	341	27	plans	plan	NOUN
fsr-3191	341	28	.	.	PUNCT
fsr-3191	342	1	7	7	NUM
fsr-3191	342	2	nevertheless	nevertheless	ADV
fsr-3191	342	3	,	,	PUNCT
fsr-3191	342	4	one	one	NUM
fsr-3191	342	5	large	large	ADJ
fsr-3191	342	6	provider	provider	NOUN
fsr-3191	342	7	reported	report	VERB
fsr-3191	342	8	that	that	SCONJ
fsr-3191	342	9	very	very	ADV
fsr-3191	342	10	few	few	ADJ
fsr-3191	342	11	(	(	PUNCT
fsr-3191	342	12	1	1	NUM
fsr-3191	342	13	%	%	NOUN
fsr-3191	342	14	)	)	PUNCT
fsr-3191	342	15	of	of	ADP
fsr-3191	342	16	the	the	DET
fsr-3191	342	17	30	30	NUM
fsr-3191	342	18	%	%	NOUN
fsr-3191	342	19	of	of	ADP
fsr-3191	342	20	participants	participant	NOUN
fsr-3191	342	21	provided	provide	VERB
fsr-3191	342	22	access	access	NOUN
fsr-3191	342	23	to	to	ADP
fsr-3191	342	24	brokerage	brokerage	NOUN
fsr-3191	342	25	windows	window	NOUN
fsr-3191	342	26	through	through	ADP
fsr-3191	342	27	their	their	PRON
fsr-3191	342	28	plans	plan	NOUN
fsr-3191	342	29	actually	actually	ADV
fsr-3191	342	30	used	use	VERB
fsr-3191	342	31	them	they	PRON
fsr-3191	342	32	(	(	PUNCT
fsr-3191	342	33	vanguard	vanguard	NOUN
fsr-3191	342	34	2021a	2021a	NUM
fsr-3191	342	35	)	)	PUNCT
fsr-3191	342	36	.	.	PUNCT
fsr-3191	343	1	8	8	NUM
fsr-3191	343	2	these	these	DET
fsr-3191	343	3	numbers	number	NOUN
fsr-3191	343	4	refer	refer	VERB
fsr-3191	343	5	to	to	ADP
fsr-3191	343	6	all	all	DET
fsr-3191	343	7	distributions	distribution	NOUN
fsr-3191	343	8	on	on	ADP
fsr-3191	343	9	termination	termination	NOUN
fsr-3191	343	10	of	of	ADP
fsr-3191	343	11	employment	employment	NOUN
fsr-3191	343	12	,	,	PUNCT
fsr-3191	343	13	not	not	PART
fsr-3191	343	14	just	just	ADV
fsr-3191	343	15	termination	termination	NOUN
fsr-3191	343	16	at	at	ADP
fsr-3191	343	17	retirement	retirement	NOUN
fsr-3191	343	18	.	.	PUNCT
fsr-3191	344	1	some	some	DET
fsr-3191	344	2	employers	employer	NOUN
fsr-3191	344	3	may	may	AUX
fsr-3191	344	4	force	force	VERB
fsr-3191	344	5	participants	participant	NOUN
fsr-3191	344	6	with	with	ADP
fsr-3191	344	7	balances	balance	NOUN
fsr-3191	344	8	below	below	ADP
fsr-3191	344	9	$	$	SYM
fsr-3191	344	10	5,000	5,000	NUM
fsr-3191	344	11	to	to	PART
fsr-3191	344	12	make	make	VERB
fsr-3191	344	13	an	an	DET
fsr-3191	344	14	immediate	immediate	ADJ
fsr-3191	344	15	distribution	distribution	NOUN
fsr-3191	344	16	into	into	ADP
fsr-3191	344	17	an	an	DET
fsr-3191	344	18	ira	ira	PROPN
fsr-3191	344	19	at	at	ADP
fsr-3191	344	20	termination	termination	NOUN
fsr-3191	344	21	.	.	PUNCT
fsr-3191	345	1	acknowledgments	acknowledgment	NOUN
fsr-3191	345	2	this	this	DET
fsr-3191	345	3	study	study	NOUN
fsr-3191	345	4	received	receive	VERB
fsr-3191	345	5	research	research	NOUN
fsr-3191	345	6	support	support	NOUN
fsr-3191	345	7	from	from	ADP
fsr-3191	345	8	the	the	DET
fsr-3191	345	9	pension	pension	NOUN
fsr-3191	345	10	research	research	NOUN
fsr-3191	345	11	council	council	PROPN
fsr-3191	345	12	/	/	SYM
fsr-3191	345	13	boettner	boettner	NOUN
fsr-3191	345	14	center	center	NOUN
fsr-3191	345	15	at	at	ADP
fsr-3191	345	16	the	the	DET
fsr-3191	345	17	wharton	wharton	PROPN
fsr-3191	345	18	school	school	NOUN
fsr-3191	345	19	of	of	ADP
fsr-3191	345	20	the	the	DET
fsr-3191	345	21	university	university	PROPN
fsr-3191	345	22	of	of	ADP
fsr-3191	345	23	pennsylvania	pennsylvania	PROPN
fsr-3191	345	24	.	.	PUNCT
fsr-3191	346	1	for	for	ADP
fsr-3191	346	2	useful	useful	ADJ
fsr-3191	346	3	comments	comment	NOUN
fsr-3191	346	4	,	,	PUNCT
fsr-3191	346	5	we	we	PRON
fsr-3191	346	6	thank	thank	VERB
fsr-3191	346	7	without	without	ADP
fsr-3191	346	8	implicating	implicate	VERB
fsr-3191	346	9	peter	peter	PROPN
fsr-3191	346	10	brady	brady	PROPN
fsr-3191	346	11	and	and	CCONJ
fsr-3191	346	12	mark	mark	PROPN
fsr-3191	346	13	iwry	iwry	NOUN
fsr-3191	346	14	;	;	PUNCT
fsr-3191	346	15	reilly	reilly	ADV
fsr-3191	346	16	also	also	ADV
fsr-3191	346	17	acknowledges	acknowledge	VERB
fsr-3191	346	18	helpful	helpful	ADJ
fsr-3191	346	19	collaboration	collaboration	NOUN
fsr-3191	346	20	and	and	CCONJ
fsr-3191	346	21	input	input	NOUN
fsr-3191	346	22	from	from	ADP
fsr-3191	346	23	jodan	jodan	PROPN
fsr-3191	346	24	ledford	ledford	PROPN
fsr-3191	346	25	,	,	PUNCT
fsr-3191	346	26	ceo	ceo	NOUN
fsr-3191	346	27	of	of	ADP
fsr-3191	346	28	smart	smart	PROPN
fsr-3191	346	29	usa	usa	PROPN
fsr-3191	346	30	co.	co.	PROPN
fsr-3191	346	31	opinions	opinion	NOUN
fsr-3191	346	32	and	and	CCONJ
fsr-3191	346	33	conclusions	conclusion	NOUN
fsr-3191	346	34	expressed	express	VERB
fsr-3191	346	35	herein	herein	NOUN
fsr-3191	346	36	are	be	AUX
fsr-3191	346	37	solely	solely	ADV
fsr-3191	346	38	those	those	PRON
fsr-3191	346	39	of	of	ADP
fsr-3191	346	40	the	the	DET
fsr-3191	346	41	authors	author	NOUN
fsr-3191	346	42	and	and	CCONJ
fsr-3191	346	43	do	do	AUX
fsr-3191	346	44	not	not	PART
fsr-3191	346	45	represent	represent	VERB
fsr-3191	346	46	the	the	DET
fsr-3191	346	47	opinions	opinion	NOUN
fsr-3191	346	48	or	or	CCONJ
fsr-3191	346	49	policy	policy	NOUN
fsr-3191	346	50	of	of	ADP
fsr-3191	346	51	any	any	DET
fsr-3191	346	52	institutions	institution	NOUN
fsr-3191	346	53	with	with	ADP
fsr-3191	346	54	which	which	PRON
fsr-3191	346	55	the	the	DET
fsr-3191	346	56	authors	author	NOUN
fsr-3191	346	57	are	be	AUX
fsr-3191	346	58	affiliated	affiliate	VERB
fsr-3191	346	59	.	.	PUNCT
fsr-3191	347	1	references	reference	NOUN
fsr-3191	347	2	advisoryhq	advisoryhq	ADV
fsr-3191	347	3	.	.	PUNCT
fsr-3191	348	1	(	(	PUNCT
fsr-3191	348	2	2021	2021	NUM
fsr-3191	348	3	)	)	PUNCT
fsr-3191	348	4	.	.	PUNCT
fsr-3191	349	1	average	average	ADJ
fsr-3191	349	2	advisor	advisor	NOUN
fsr-3191	349	3	fees	fee	NOUN
fsr-3191	349	4	in	in	ADP
fsr-3191	349	5	2021	2021	NUM
fsr-3191	349	6	:	:	PUNCT
fsr-3191	349	7	everything	everything	PRON
fsr-3191	349	8	you	you	PRON
fsr-3191	349	9	need	need	VERB
fsr-3191	349	10	to	to	PART
fsr-3191	349	11	know	know	VERB
fsr-3191	349	12	.	.	PUNCT
fsr-3191	350	1	available	available	ADJ
fsr-3191	350	2	at	at	ADP
fsr-3191	350	3	https://www	https://www	PROPN
fsr-3191	350	4	.	.	PUNCT
fsr-3191	351	1	advisoryhq.com/articles/financial-advisor-fees-wealth-managers-planners-andfee-only-advisors/	advisoryhq.com/articles/financial-advisor-fees-wealth-managers-planners-andfee-only-advisors/	PROPN
fsr-3191	351	2	agnew	agnew	PROPN
fsr-3191	351	3	,	,	PUNCT
fsr-3191	351	4	j.	j.	PROPN
fsr-3191	351	5	&	&	CCONJ
fsr-3191	351	6	mitchell	mitchell	PROPN
fsr-3191	351	7	,	,	PUNCT
fsr-3191	351	8	o.	o.	PROPN
fsr-3191	351	9	s.	s.	PROPN
fsr-3191	351	10	(	(	PUNCT
fsr-3191	351	11	eds	eds	PROPN
fsr-3191	351	12	.	.	PUNCT
fsr-3191	351	13	)	)	PUNCT
fsr-3191	351	14	.	.	PUNCT
fsr-3191	352	1	(	(	PUNCT
fsr-3191	352	2	2019	2019	NUM
fsr-3191	352	3	)	)	PUNCT
fsr-3191	352	4	.	.	PUNCT
fsr-3191	353	1	the	the	DET
fsr-3191	353	2	disruptive	disruptive	ADJ
fsr-3191	353	3	impact	impact	NOUN
fsr-3191	353	4	of	of	ADP
fsr-3191	353	5	fintech	fintech	NOUN
fsr-3191	353	6	on	on	ADP
fsr-3191	353	7	retirement	retirement	NOUN
fsr-3191	353	8	systems	system	NOUN
fsr-3191	353	9	.	.	PUNCT
fsr-3191	354	1	oxford	oxford	NOUN
fsr-3191	354	2	:	:	PUNCT
fsr-3191	354	3	oxford	oxford	PROPN
fsr-3191	354	4	university	university	PROPN
fsr-3191	354	5	press	press	NOUN
fsr-3191	354	6	.	.	PUNCT
fsr-3191	355	1	best	well	ADV
fsr-3191	355	2	,	,	PUNCT
fsr-3191	355	3	r.	r.	PROPN
fsr-3191	355	4	(	(	PUNCT
fsr-3191	355	5	2022	2022	NUM
fsr-3191	355	6	)	)	PUNCT
fsr-3191	355	7	.	.	PUNCT
fsr-3191	356	1	best	good	ADJ
fsr-3191	356	2	gold	gold	PROPN
fsr-3191	356	3	ira	ira	PROPN
fsr-3191	356	4	companies	company	NOUN
fsr-3191	356	5	.	.	PUNCT
fsr-3191	357	1	investopedia	investopedia	PROPN
fsr-3191	357	2	.	.	PUNCT
fsr-3191	357	3	available	available	ADJ
fsr-3191	357	4	at	at	ADP
fsr-3191	357	5	https://www.investopedia.com/best-goldira-companies-5087720	https://www.investopedia.com/best-goldira-companies-5087720	PROPN
fsr-3191	357	6	betterment	betterment	NOUN
fsr-3191	357	7	.	.	PUNCT
fsr-3191	358	1	(	(	PUNCT
fsr-3191	358	2	2021	2021	NUM
fsr-3191	358	3	)	)	PUNCT
fsr-3191	358	4	.	.	PUNCT
fsr-3191	359	1	explore	explore	VERB
fsr-3191	359	2	our	our	PRON
fsr-3191	359	3	pricing	pricing	NOUN
fsr-3191	359	4	.	.	PUNCT
fsr-3191	360	1	available	available	ADJ
fsr-3191	360	2	at	at	ADP
fsr-3191	360	3	https://www.betterment.com/401k/plan-pricing/	https://www.betterment.com/401k/plan-pricing/	PROPN
fsr-3191	360	4	betterment	betterment	NOUN
fsr-3191	360	5	.	.	PUNCT
fsr-3191	361	1	(	(	PUNCT
fsr-3191	361	2	2022	2022	NUM
fsr-3191	361	3	)	)	PUNCT
fsr-3191	361	4	.	.	PUNCT
fsr-3191	362	1	pricing	pricing	NOUN
fsr-3191	362	2	at	at	ADP
fsr-3191	362	3	betterment	betterment	NOUN
fsr-3191	362	4	.	.	PUNCT
fsr-3191	363	1	available	available	ADJ
fsr-3191	363	2	at	at	ADP
fsr-3191	363	3	https://www.betterment.com/pricing?utm_content=	https://www.betterment.com/pricing?utm_content=	PROPN
fsr-3191	363	4	brand&utm_medium	brand&utm_medium	NOUN
fsr-3191	363	5	=	=	ADJ
fsr-3191	364	1	sem&&lid=437000	sem&&lid=437000	PROPN
fsr-3191	364	2	32812145085&ds_s_kwgid=58700004022642666&ds_a_cid=	32812145085&ds_s_kwgid=58700004022642666&ds_a_cid=	NUM
fsr-3191	364	3	405186663&ds_a_caid=92013	405186663&ds_a_caid=92013	NUM
fsr-3191	364	4	89213&ds_a_agid=91383124217&ds_a_lid	89213&ds_a_agid=91383124217&ds_a_lid	NUM
fsr-3191	364	5	=	=	PUNCT
fsr-3191	364	6	kwd-305491188865&utm	kwd-305491188865&utm	ADJ
fsr-3191	364	7	_	_	NOUN
fsr-3191	364	8	source	source	NOUN
fsr-3191	364	9	=	=	NOUN
fsr-3191	364	10	bing&utm_campaign=&utm_medium	bing&utm_campaign=&utm_medium	NOUN
fsr-3191	364	11	=	=	SYM
fsr-3191	364	12	cpc&utm_keyword=%2bwww.betterment.com&utm	cpc&utm_keyword=%2bwww.betterment.com&utm	NOUN
fsr-3191	364	13	_	_	NOUN
fsr-3191	364	14	matchtype	matchtype	NOUN
fsr-3191	364	15	=	=	SYM
fsr-3191	364	16	p&utm_creative=&utm_term=%2bwww.betterme	p&utm_creative=&utm_term=%2bwww.betterme	PROPN
fsr-3191	364	17	nt.com&msclkid=69f9548d192912b9cbfa350d24467855	nt.com&msclkid=69f9548d192912b9cbfa350d24467855	PROPN
fsr-3191	364	18	&	&	CCONJ
fsr-3191	364	19	utm_content	utm_content	NOUN
fsr-3191	364	20	=	=	ADJ
fsr-3191	364	21	www.betterment.co	www.betterment.co	ADJ
fsr-3191	364	22	m&gclid	m&gclid	NOUN
fsr-3191	364	23	=	=	SYM
fsr-3191	364	24	clc7j83w9_mcfsugiakdzbegmg&gclsrc	clc7j83w9_mcfsugiakdzbegmg&gclsrc	NOUN
fsr-3191	364	25	=	=	NOUN
fsr-3191	364	26	ds	ds	ADJ
fsr-3191	364	27	bitcoinira	bitcoinira	NOUN
fsr-3191	364	28	.	.	PUNCT
fsr-3191	365	1	(	(	PUNCT
fsr-3191	365	2	2022	2022	NUM
fsr-3191	365	3	)	)	PUNCT
fsr-3191	365	4	.	.	PUNCT
fsr-3191	366	1	invest	invest	VERB
fsr-3191	366	2	in	in	ADP
fsr-3191	366	3	bitcoin	bitcoin	ADJ
fsr-3191	366	4	tax	tax	NOUN
fsr-3191	366	5	-	-	PUNCT
fsr-3191	366	6	free	free	ADJ
fsr-3191	366	7	with	with	ADP
fsr-3191	366	8	your	your	PRON
fsr-3191	366	9	ira	ira	PROPN
fsr-3191	366	10	.	.	PROPN
fsr-3191	366	11	available	available	ADJ
fsr-3191	366	12	at	at	ADP
fsr-3191	366	13	https://bitcoinira.com/buy-bitcoin/	https://bitcoinira.com/buy-bitcoin/	PROPN
fsr-3191	366	14	?	?	PUNCT
fsr-3191	367	1	aid=701&keyword	aid=701&keyword	NOUN
fsr-3191	368	1	=	=	NOUN
fsr-3191	368	2	bitcoin%20ira&network	bitcoin%20ira&network	NOUN
fsr-3191	368	3	=	=	SYM
fsr-3191	368	4	g&device	g&device	NOUN
fsr-3191	368	5	=	=	NOUN
fsr-3191	368	6	c&placement=&adgroup=126567578382&campaign=	c&placement=&adgroup=126567578382&campaign=	X
fsr-3191	368	7	15147644605&creative=580350434104&adp=&gclid	15147644605&creative=580350434104&adp=&gclid	NUM
fsr-3191	368	8	=	=	NUM
fsr-3191	368	9	cjwkcai	cjwkcai	ADJ
fsr-3191	368	10	a1jgrbhbseiwaxxblwtfzjzbdbd7u	a1jgrbhbseiwaxxblwtfzjzbdbd7u	ADJ
fsr-3191	368	11	uxddcpyk3a1tqccmlsa6klfxm7g0m7tyq6dn	uxddcpyk3a1tqccmlsa6klfxm7g0m7tyq6dn	NOUN
fsr-3191	368	12	vnqcnroc6fyqavd_bwe	vnqcnroc6fyqavd_bwe	PROPN
fsr-3191	368	13	blackrock	blackrock	NOUN
fsr-3191	368	14	.	.	PUNCT
fsr-3191	369	1	(	(	PUNCT
fsr-3191	369	2	2021	2021	NUM
fsr-3191	369	3	)	)	PUNCT
fsr-3191	369	4	.	.	PUNCT
fsr-3191	370	1	blackrock	blackrock	PROPN
fsr-3191	370	2	’s	’s	PART
fsr-3191	370	3	retirement	retirement	PROPN
fsr-3191	370	4	income	income	NOUN
fsr-3191	370	5	solution	solution	NOUN
fsr-3191	370	6	:	:	PUNCT
fsr-3191	370	7	a	a	DET
fsr-3191	370	8	major	major	ADJ
fsr-3191	370	9	step	step	NOUN
fsr-3191	370	10	forward	forward	ADV
fsr-3191	370	11	for	for	ADP
fsr-3191	370	12	american	american	PROPN
fsr-3191	370	13	retirement	retirement	PROPN
fsr-3191	370	14	security	security	PROPN
fsr-3191	370	15	.	.	PUNCT
fsr-3191	371	1	available	available	ADJ
fsr-3191	371	2	at	at	ADP
fsr-3191	371	3	https://ir.blackrock.com/news-and-events/press-releases/press-releases-details/2021/	https://ir.blackrock.com/news-and-events/press-releases/press-releases-details/2021/	PROPN
fsr-3191	371	4	blackrocks	blackrocks	NOUN
fsr-3191	371	5	-	-	PUNCT
fsr-3191	371	6	retirement	retirement	NOUN
fsr-3191	371	7	-	-	PUNCT
fsr-3191	371	8	income	income	NOUN
fsr-3191	371	9	-	-	PUNCT
fsr-3191	371	10	solution	solution	NOUN
fsr-3191	371	11	-	-	PUNCT
fsr-3191	371	12	a	a	DET
fsr-3191	371	13	-	-	PUNCT
fsr-3191	371	14	major	major	ADJ
fsr-3191	371	15	-	-	PUNCT
fsr-3191	371	16	step	step	NOUN
fsr-3191	371	17	-	-	PUNCT
fsr-3191	371	18	forward	forward	NOUN
fsr-3191	371	19	-	-	PUNCT
fsr-3191	371	20	for	for	ADP
fsr-3191	371	21	-	-	PUNCT
fsr-3191	371	22	american	american	ADJ
fsr-3191	371	23	-	-	PUNCT
fsr-3191	371	24	retirement	retirement	NOUN
fsr-3191	371	25	-	-	PUNCT
fsr-3191	371	26	security	security	NOUN
fsr-3191	371	27	/	/	SYM
fsr-3191	371	28	default	default	NOUN
fsr-3191	371	29	.	.	PUNCT
fsr-3191	372	1	aspx	aspx	NOUN
fsr-3191	372	2	brightscope	brightscope	NOUN
fsr-3191	372	3	/	/	SYM
fsr-3191	372	4	investment	investment	NOUN
fsr-3191	372	5	company	company	NOUN
fsr-3191	372	6	institute	institute	NOUN
fsr-3191	372	7	.	.	PUNCT
fsr-3191	373	1	(	(	PUNCT
fsr-3191	373	2	2020	2020	NUM
fsr-3191	373	3	)	)	PUNCT
fsr-3191	373	4	.	.	PUNCT
fsr-3191	374	1	the	the	DET
fsr-3191	374	2	brightscope	brightscope	PROPN
fsr-3191	374	3	/	/	SYM
fsr-3191	374	4	ici	ici	PROPN
fsr-3191	374	5	defined	define	VERB
fsr-3191	374	6	contribution	contribution	NOUN
fsr-3191	374	7	plan	plan	NOUN
fsr-3191	374	8	profile	profile	NOUN
fsr-3191	374	9	:	:	PUNCT
fsr-3191	374	10	a	a	DET
fsr-3191	374	11	close	close	ADJ
fsr-3191	374	12	look	look	NOUN
fsr-3191	374	13	at	at	ADP
fsr-3191	374	14	401(k	401(k	NOUN
fsr-3191	374	15	)	)	PUNCT
fsr-3191	374	16	plans	plan	NOUN
fsr-3191	374	17	,	,	PUNCT
fsr-3191	374	18	2017	2017	NUM
fsr-3191	374	19	.	.	PUNCT
fsr-3191	375	1	available	available	ADJ
fsr-3191	375	2	at	at	ADP
fsr-3191	375	3	https://www.ici.org/system/files/attachments/pdf/20_ppr	https://www.ici.org/system/files/attachments/pdf/20_ppr	PROPN
fsr-3191	375	4	_	_	PROPN
fsr-3191	375	5	dcplan_profile_401k.pdf	dcplan_profile_401k.pdf	PROPN
fsr-3191	375	6	brown	brown	PROPN
fsr-3191	375	7	,	,	PUNCT
fsr-3191	375	8	j.	j.	PROPN
fsr-3191	375	9	r.	r.	PROPN
fsr-3191	375	10	,	,	PUNCT
fsr-3191	375	11	kapteyn	kapteyn	PROPN
fsr-3191	375	12	,	,	PUNCT
fsr-3191	375	13	a.	a.	NOUN
fsr-3191	375	14	,	,	PUNCT
fsr-3191	375	15	luttmer	luttmer	PROPN
fsr-3191	375	16	,	,	PUNCT
fsr-3191	375	17	e.	e.	PROPN
fsr-3191	375	18	,	,	PUNCT
fsr-3191	375	19	&	&	CCONJ
fsr-3191	375	20	mitchell	mitchell	PROPN
fsr-3191	375	21	,	,	PUNCT
fsr-3191	375	22	o.	o.	PROPN
fsr-3191	375	23	s.	s.	PROPN
fsr-3191	375	24	(	(	PUNCT
fsr-3191	375	25	2017	2017	NUM
fsr-3191	375	26	)	)	PUNCT
fsr-3191	375	27	.	.	PUNCT
fsr-3191	376	1	cognitive	cognitive	ADJ
fsr-3191	376	2	constraints	constraint	NOUN
fsr-3191	376	3	on	on	ADP
fsr-3191	376	4	valuing	value	VERB
fsr-3191	376	5	annuities	annuity	NOUN
fsr-3191	376	6	.	.	PUNCT
fsr-3191	377	1	journal	journal	NOUN
fsr-3191	377	2	of	of	ADP
fsr-3191	377	3	the	the	DET
fsr-3191	377	4	european	european	PROPN
fsr-3191	377	5	economic	economic	PROPN
fsr-3191	377	6	association	association	PROPN
fsr-3191	377	7	,	,	PUNCT
fsr-3191	377	8	15	15	NUM
fsr-3191	377	9	,	,	PUNCT
fsr-3191	377	10	429–462	429–462	NUM
fsr-3191	377	11	.	.	PUNCT
fsr-3191	378	1	https://doi.org/10.1093/jeea/jvw009	https://doi.org/10.1093/jeea/jvw009	PROPN
fsr-3191	378	2	brown	brown	PROPN
fsr-3191	378	3	,	,	PUNCT
fsr-3191	378	4	j.	j.	PROPN
fsr-3191	378	5	r.	r.	PROPN
fsr-3191	378	6	,	,	PUNCT
fsr-3191	378	7	kapteyn	kapteyn	PROPN
fsr-3191	378	8	,	,	PUNCT
fsr-3191	378	9	a.	a.	NOUN
fsr-3191	378	10	,	,	PUNCT
fsr-3191	378	11	luttmer	luttmer	PROPN
fsr-3191	378	12	,	,	PUNCT
fsr-3191	378	13	e.	e.	PROPN
fsr-3191	378	14	,	,	PUNCT
fsr-3191	378	15	mitchell	mitchell	PROPN
fsr-3191	378	16	,	,	PUNCT
fsr-3191	378	17	o.	o.	PROPN
fsr-3191	378	18	s.	s.	PROPN
fsr-3191	378	19	,	,	PUNCT
fsr-3191	378	20	&	&	CCONJ
fsr-3191	378	21	samek	samek	PROPN
fsr-3191	378	22	,	,	PUNCT
fsr-3191	378	23	a.	a.	NOUN
fsr-3191	378	24	(	(	PUNCT
fsr-3191	378	25	2021	2021	NUM
fsr-3191	378	26	)	)	PUNCT
fsr-3191	378	27	.	.	PUNCT
fsr-3191	379	1	behavioral	behavioral	ADJ
fsr-3191	379	2	impediments	impediment	NOUN
fsr-3191	379	3	to	to	ADP
fsr-3191	379	4	valuing	value	VERB
fsr-3191	379	5	annuities	annuity	NOUN
fsr-3191	379	6	:	:	PUNCT
fsr-3191	379	7	evidence	evidence	NOUN
fsr-3191	379	8	on	on	ADP
fsr-3191	379	9	the	the	DET
fsr-3191	379	10	effects	effect	NOUN
fsr-3191	379	11	of	of	ADP
fsr-3191	379	12	complexity	complexity	NOUN
fsr-3191	379	13	and	and	CCONJ
fsr-3191	379	14	choice	choice	NOUN
fsr-3191	379	15	bracketing	bracketing	NOUN
fsr-3191	379	16	.	.	PUNCT
fsr-3191	380	1	the	the	DET
fsr-3191	380	2	review	review	NOUN
fsr-3191	380	3	of	of	ADP
fsr-3191	380	4	economics	economic	NOUN
fsr-3191	380	5	and	and	CCONJ
fsr-3191	380	6	statistics	statistic	NOUN
fsr-3191	380	7	,	,	PUNCT
fsr-3191	380	8	103	103	NUM
fsr-3191	380	9	,	,	PUNCT
fsr-3191	380	10	533–546	533–546	NUM
fsr-3191	380	11	.	.	PUNCT
fsr-3191	381	1	https://doi.org/10.1162/rest_a_00892	https://doi.org/10.1162/rest_a_00892	PROPN
fsr-3191	381	2	18	18	NUM
fsr-3191	381	3	o.	o.	PROPN
fsr-3191	381	4	s.	s.	PROPN
fsr-3191	381	5	mitchell	mitchell	PROPN
fsr-3191	381	6	et	et	PROPN
fsr-3191	381	7	al	al	PROPN
fsr-3191	381	8	.	.	PUNCT
fsr-3191	381	9	/	/	SYM
fsr-3191	381	10	financial	financial	ADJ
fsr-3191	381	11	services	service	NOUN
fsr-3191	381	12	review	review	VERB
fsr-3191	381	13	31	31	NUM
fsr-3191	381	14	(	(	PUNCT
fsr-3191	381	15	2023	2023	NUM
fsr-3191	381	16	)	)	PUNCT
fsr-3191	381	17	1–21	1–21	PROPN
fsr-3191	381	18	bureau	bureau	NOUN
fsr-3191	381	19	of	of	ADP
fsr-3191	381	20	labor	labor	PROPN
fsr-3191	381	21	statistics	statistic	NOUN
fsr-3191	381	22	.	.	PUNCT
fsr-3191	382	1	(	(	PUNCT
fsr-3191	382	2	2021	2021	NUM
fsr-3191	382	3	)	)	PUNCT
fsr-3191	382	4	.	.	PUNCT
fsr-3191	383	1	67	67	NUM
fsr-3191	383	2	percent	percent	NOUN
fsr-3191	383	3	of	of	ADP
fsr-3191	383	4	private	private	ADJ
fsr-3191	383	5	industry	industry	NOUN
fsr-3191	383	6	workers	worker	NOUN
fsr-3191	383	7	had	have	VERB
fsr-3191	383	8	access	access	NOUN
fsr-3191	383	9	to	to	ADP
fsr-3191	383	10	retirement	retirement	NOUN
fsr-3191	383	11	plans	plan	NOUN
fsr-3191	383	12	in	in	ADP
fsr-3191	383	13	2020	2020	NUM
fsr-3191	383	14	.	.	PUNCT
fsr-3191	384	1	the	the	DET
fsr-3191	384	2	economics	economics	PROPN
fsr-3191	384	3	daily	daily	ADV
fsr-3191	384	4	:	:	PUNCT
fsr-3191	384	5	u.s	u.s	PROPN
fsr-3191	384	6	.	.	PROPN
fsr-3191	384	7	bureau	bureau	PROPN
fsr-3191	384	8	of	of	ADP
fsr-3191	384	9	labor	labor	PROPN
fsr-3191	384	10	statistics	statistic	NOUN
fsr-3191	384	11	(	(	PUNCT
fsr-3191	384	12	bls.gov	bls.gov	NOUN
fsr-3191	384	13	)	)	PUNCT
fsr-3191	384	14	carosa	carosa	NOUN
fsr-3191	384	15	,	,	PUNCT
fsr-3191	384	16	c.	c.	PROPN
fsr-3191	384	17	(	(	PUNCT
fsr-3191	384	18	2011	2011	NUM
fsr-3191	384	19	)	)	PUNCT
fsr-3191	384	20	.	.	PUNCT
fsr-3191	385	1	how	how	SCONJ
fsr-3191	385	2	many	many	ADJ
fsr-3191	385	3	investment	investment	NOUN
fsr-3191	385	4	options	option	NOUN
fsr-3191	385	5	should	should	AUX
fsr-3191	385	6	401(k	401(k	NOUN
fsr-3191	385	7	)	)	PUNCT
fsr-3191	385	8	plan	plan	NOUN
fsr-3191	385	9	sponsors	sponsor	NOUN
fsr-3191	385	10	offer	offer	VERB
fsr-3191	385	11	?	?	PUNCT
fsr-3191	386	1	fiduciary	fiduciary	ADJ
fsr-3191	386	2	news	news	PROPN
fsr-3191	386	3	,	,	PUNCT
fsr-3191	386	4	october	october	PROPN
fsr-3191	386	5	18	18	NUM
fsr-3191	386	6	.	.	PUNCT
fsr-3191	387	1	cerulli	cerulli	PROPN
fsr-3191	387	2	associates	associates	PROPN
fsr-3191	387	3	.	.	PUNCT
fsr-3191	388	1	(	(	PUNCT
fsr-3191	388	2	2021a	2021a	NUM
fsr-3191	388	3	)	)	PUNCT
fsr-3191	388	4	.	.	PUNCT
fsr-3191	389	1	us	we	PRON
fsr-3191	389	2	retirement	retirement	NOUN
fsr-3191	389	3	end	end	NOUN
fsr-3191	389	4	investor	investor	NOUN
fsr-3191	389	5	2021	2021	NUM
fsr-3191	389	6	,	,	PUNCT
fsr-3191	389	7	solving	solve	VERB
fsr-3191	389	8	for	for	ADP
fsr-3191	389	9	the	the	DET
fsr-3191	389	10	decumulation	decumulation	NOUN
fsr-3191	389	11	phase	phase	NOUN
fsr-3191	389	12	.	.	PUNCT
fsr-3191	390	1	available	available	ADJ
fsr-3191	390	2	at	at	ADP
fsr-3191	390	3	https://www.cerulli.com/research-areas/us-retirement	https://www.cerulli.com/research-areas/us-retirement	PROPN
fsr-3191	390	4	cerulli	cerulli	PROPN
fsr-3191	390	5	associates	associates	PROPN
fsr-3191	390	6	.	.	PUNCT
fsr-3191	391	1	(	(	PUNCT
fsr-3191	391	2	2021b	2021b	NUM
fsr-3191	391	3	)	)	PUNCT
fsr-3191	391	4	.	.	PUNCT
fsr-3191	392	1	the	the	DET
fsr-3191	392	2	cerulli	cerulli	PROPN
fsr-3191	392	3	edge	edge	NOUN
fsr-3191	392	4	:	:	PUNCT
fsr-3191	392	5	us	us	PROPN
fsr-3191	392	6	retirement	retirement	NOUN
fsr-3191	392	7	edition	edition	NOUN
fsr-3191	392	8	1q	1q	PROPN
fsr-3191	392	9	2021	2021	NUM
fsr-3191	392	10	,	,	PUNCT
fsr-3191	392	11	edition	edition	NOUN
fsr-3191	392	12	#	#	SYM
fsr-3191	392	13	58	58	NUM
fsr-3191	392	14	.	.	PUNCT
fsr-3191	393	1	available	available	ADJ
fsr-3191	393	2	at	at	ADP
fsr-3191	393	3	https://	https://	PROPN
fsr-3191	393	4	www.cerulli.com/research-areas/us-retirement	www.cerulli.com/research-areas/us-retirement	PROPN
fsr-3191	393	5	dehaan	dehaan	PROPN
fsr-3191	393	6	,	,	PUNCT
fsr-3191	393	7	e.	e.	PROPN
fsr-3191	393	8	,	,	PUNCT
fsr-3191	393	9	song	song	NOUN
fsr-3191	393	10	,	,	PUNCT
fsr-3191	393	11	y.	y.	PROPN
fsr-3191	393	12	,	,	PUNCT
fsr-3191	393	13	xie	xie	PROPN
fsr-3191	393	14	,	,	PUNCT
fsr-3191	393	15	c.	c.	PROPN
fsr-3191	393	16	,	,	PUNCT
fsr-3191	393	17	&	&	CCONJ
fsr-3191	393	18	zhu	zhu	PROPN
fsr-3191	393	19	,	,	PUNCT
fsr-3191	393	20	c.	c.	PROPN
fsr-3191	393	21	(	(	PUNCT
fsr-3191	393	22	2021	2021	NUM
fsr-3191	393	23	)	)	PUNCT
fsr-3191	393	24	.	.	PUNCT
fsr-3191	394	1	obfuscation	obfuscation	NOUN
fsr-3191	394	2	in	in	ADP
fsr-3191	394	3	mutual	mutual	ADJ
fsr-3191	394	4	funds	fund	NOUN
fsr-3191	394	5	.	.	PUNCT
fsr-3191	395	1	journal	journal	NOUN
fsr-3191	395	2	of	of	ADP
fsr-3191	395	3	accounting	accounting	NOUN
fsr-3191	395	4	and	and	CCONJ
fsr-3191	395	5	economics	economic	NOUN
fsr-3191	395	6	,	,	PUNCT
fsr-3191	395	7	72	72	NUM
fsr-3191	395	8	,	,	PUNCT
fsr-3191	395	9	101429	101429	NUM
fsr-3191	395	10	.	.	PUNCT
fsr-3191	396	1	https://doi.org/10.1016/j.jacceco.2021.101429	https://doi.org/10.1016/j.jacceco.2021.101429	ADJ
fsr-3191	396	2	dierking	dierking	NOUN
fsr-3191	396	3	,	,	PUNCT
fsr-3191	396	4	d.	d.	PROPN
fsr-3191	396	5	(	(	PUNCT
fsr-3191	396	6	2017	2017	NUM
fsr-3191	396	7	)	)	PUNCT
fsr-3191	396	8	.	.	PUNCT
fsr-3191	397	1	target	target	NOUN
fsr-3191	397	2	-	-	PUNCT
fsr-3191	397	3	date	date	NOUN
fsr-3191	397	4	funds	fund	NOUN
fsr-3191	397	5	investing	invest	VERB
fsr-3191	397	6	in	in	ADP
fsr-3191	397	7	annuities	annuity	NOUN
fsr-3191	397	8	may	may	AUX
fsr-3191	397	9	provide	provide	VERB
fsr-3191	397	10	guaranteed	guarantee	VERB
fsr-3191	397	11	income	income	NOUN
fsr-3191	397	12	.	.	PUNCT
fsr-3191	398	1	mutualfunds	mutualfunds	PROPN
fsr-3191	398	2	.	.	PUNCT
fsr-3191	399	1	com	com	PROPN
fsr-3191	399	2	,	,	PUNCT
fsr-3191	399	3	july	july	PROPN
fsr-3191	399	4	4	4	NUM
fsr-3191	399	5	.	.	PUNCT
fsr-3191	399	6	available	available	ADJ
fsr-3191	399	7	at	at	ADP
fsr-3191	399	8	https://mutualfunds.com/retirement-channel/target-date-funds-investing-annuitiesprovide-guaranteed-income/.	https://mutualfunds.com/retirement-channel/target-date-funds-investing-annuitiesprovide-guaranteed-income/.	PROPN
fsr-3191	399	9	department	department	NOUN
fsr-3191	399	10	of	of	ADP
fsr-3191	399	11	labor	labor	NOUN
fsr-3191	399	12	.	.	PUNCT
fsr-3191	400	1	(	(	PUNCT
fsr-3191	400	2	2021	2021	NUM
fsr-3191	400	3	)	)	PUNCT
fsr-3191	400	4	.	.	PUNCT
fsr-3191	401	1	temporary	temporary	ADJ
fsr-3191	401	2	enforcement	enforcement	NOUN
fsr-3191	401	3	policy	policy	NOUN
fsr-3191	401	4	on	on	ADP
fsr-3191	401	5	prohibited	prohibit	VERB
fsr-3191	401	6	transaction	transaction	NOUN
fsr-3191	401	7	rules	rule	NOUN
fsr-3191	401	8	applicable	applicable	ADJ
fsr-3191	401	9	to	to	ADP
fsr-3191	401	10	investment	investment	NOUN
fsr-3191	401	11	advice	advice	NOUN
fsr-3191	401	12	fiduciaries	fiduciary	NOUN
fsr-3191	401	13	.	.	PUNCT
fsr-3191	402	1	field	field	NOUN
fsr-3191	402	2	assistance	assistance	NOUN
fsr-3191	402	3	bulletin	bulletin	NOUN
fsr-3191	402	4	2021	2021	NUM
fsr-3191	402	5	-	-	SYM
fsr-3191	402	6	02	02	NUM
fsr-3191	402	7	.	.	PUNCT
fsr-3191	403	1	duvall	duvall	PROPN
fsr-3191	403	2	,	,	PUNCT
fsr-3191	403	3	j.	j.	PROPN
fsr-3191	403	4	(	(	PUNCT
fsr-3191	403	5	2021	2021	NUM
fsr-3191	403	6	)	)	PUNCT
fsr-3191	403	7	.	.	PUNCT
fsr-3191	404	1	ira	ira	PROPN
fsr-3191	404	2	investors	investor	NOUN
fsr-3191	404	3	are	be	AUX
fsr-3191	404	4	concentrated	concentrate	VERB
fsr-3191	404	5	in	in	ADP
fsr-3191	404	6	lower	low	ADJ
fsr-3191	404	7	-	-	PUNCT
fsr-3191	404	8	cost	cost	NOUN
fsr-3191	404	9	mutual	mutual	ADJ
fsr-3191	404	10	funds	fund	NOUN
fsr-3191	404	11	.	.	PUNCT
fsr-3191	405	1	investment	investment	NOUN
fsr-3191	405	2	company	company	PROPN
fsr-3191	405	3	institute	institute	PROPN
fsr-3191	405	4	.	.	PUNCT
fsr-3191	406	1	available	available	ADJ
fsr-3191	406	2	at	at	ADP
fsr-3191	406	3	https://www.ici.org/system/files/file/2021-07/21_view_irafees_print.pdf	https://www.ici.org/system/files/file/2021-07/21_view_irafees_print.pdf	PROPN
fsr-3191	406	4	employee	employee	NOUN
fsr-3191	406	5	benefits	benefit	VERB
fsr-3191	406	6	security	security	NOUN
fsr-3191	406	7	administration	administration	NOUN
fsr-3191	406	8	.	.	PUNCT
fsr-3191	407	1	(	(	PUNCT
fsr-3191	407	2	2021	2021	NUM
fsr-3191	407	3	)	)	PUNCT
fsr-3191	407	4	.	.	PUNCT
fsr-3191	408	1	2018	2018	NUM
fsr-3191	408	2	form	form	VERB
fsr-3191	408	3	5500	5500	NUM
fsr-3191	408	4	annual	annual	ADJ
fsr-3191	408	5	reports	report	NOUN
fsr-3191	408	6	abstract	abstract	ADJ
fsr-3191	408	7	.	.	PUNCT
fsr-3191	409	1	available	available	ADJ
fsr-3191	409	2	at	at	ADP
fsr-3191	409	3	https://www.dol.gov/sites/dolgov/files/ebsa/researchers/statistics/retirement-bulletins/private-pension-planbulletins-abstract-2018.pdf	https://www.dol.gov/sites/dolgov/files/ebsa/researchers/statistics/retirement-bulletins/private-pension-planbulletins-abstract-2018.pdf	PROPN
fsr-3191	409	4	erisa	erisa	NOUN
fsr-3191	409	5	advisory	advisory	ADJ
fsr-3191	409	6	council	council	NOUN
fsr-3191	409	7	.	.	PUNCT
fsr-3191	410	1	(	(	PUNCT
fsr-3191	410	2	2020	2020	NUM
fsr-3191	410	3	)	)	PUNCT
fsr-3191	410	4	.	.	PUNCT
fsr-3191	411	1	considerations	consideration	NOUN
fsr-3191	411	2	for	for	ADP
fsr-3191	411	3	recognizing	recognize	VERB
fsr-3191	411	4	and	and	CCONJ
fsr-3191	411	5	addressing	address	VERB
fsr-3191	411	6	participants	participant	NOUN
fsr-3191	411	7	with	with	ADP
fsr-3191	411	8	diminished	diminished	ADJ
fsr-3191	411	9	capacity	capacity	NOUN
fsr-3191	411	10	.	.	PUNCT
fsr-3191	412	1	available	available	ADJ
fsr-3191	412	2	at	at	ADP
fsr-3191	412	3	https://www.dol.gov/sites/dolgov/files/ebsa/about-ebsa/about-us/erisaadvisory-council/2020-considerations-for-recognizing-and-addressing-participants-with-diminishedcapacity.pdf	https://www.dol.gov/sites/dolgov/files/ebsa/about-ebsa/about-us/erisaadvisory-council/2020-considerations-for-recognizing-and-addressing-participants-with-diminishedcapacity.pdf	PROPN
fsr-3191	412	4	finra	finra	PROPN
fsr-3191	412	5	.	.	PUNCT
fsr-3191	413	1	(	(	PUNCT
fsr-3191	413	2	2022	2022	NUM
fsr-3191	413	3	)	)	PUNCT
fsr-3191	413	4	.	.	PUNCT
fsr-3191	414	1	target	target	NOUN
fsr-3191	414	2	-	-	PUNCT
fsr-3191	414	3	date	date	NOUN
fsr-3191	414	4	funds	fund	NOUN
fsr-3191	414	5	—	—	PUNCT
fsr-3191	414	6	find	find	VERB
fsr-3191	414	7	the	the	DET
fsr-3191	414	8	right	right	ADJ
fsr-3191	414	9	target	target	NOUN
fsr-3191	414	10	for	for	ADP
fsr-3191	414	11	you	you	PRON
fsr-3191	414	12	.	.	PUNCT
fsr-3191	415	1	available	available	ADJ
fsr-3191	415	2	at	at	ADP
fsr-3191	415	3	https://www.finra.org/	https://www.finra.org/	ADJ
fsr-3191	415	4	investors	investor	NOUN
fsr-3191	415	5	/	/	SYM
fsr-3191	415	6	learn	learn	VERB
fsr-3191	415	7	-	-	PUNCT
fsr-3191	415	8	to	to	ADP
fsr-3191	415	9	-	-	PUNCT
fsr-3191	415	10	invest	invest	VERB
fsr-3191	415	11	/	/	SYM
fsr-3191	415	12	types	type	NOUN
fsr-3191	415	13	-	-	PUNCT
fsr-3191	415	14	investments	investment	NOUN
fsr-3191	415	15	/	/	SYM
fsr-3191	415	16	retirement	retirement	NOUN
fsr-3191	415	17	/	/	SYM
fsr-3191	415	18	target	target	NOUN
fsr-3191	415	19	-	-	PUNCT
fsr-3191	415	20	date	date	NOUN
fsr-3191	415	21	-	-	PUNCT
fsr-3191	415	22	funds	fund	NOUN
fsr-3191	415	23	-	-	PUNCT
fsr-3191	415	24	find	find	NOUN
fsr-3191	415	25	-	-	PUNCT
fsr-3191	415	26	right	right	ADJ
fsr-3191	415	27	-	-	PUNCT
fsr-3191	415	28	target	target	NOUN
fsr-3191	415	29	-	-	PUNCT
fsr-3191	415	30	you#:;:text	you#:;:text	NOUN
fsr-3191	415	31	=	=	SYM
fsr-3191	415	32	one%	one%	PROPN
fsr-3191	415	33	20increasingly%20popular%20investment%20option	20increasingly%20popular%20investment%20option	NUM
fsr-3191	415	34	,	,	PUNCT
fsr-3191	415	35	as%20401(k)%20plans	as%20401(k)%20plans	PROPN
fsr-3191	415	36	fisch	fisch	PROPN
fsr-3191	415	37	,	,	PUNCT
fsr-3191	415	38	j.	j.	PROPN
fsr-3191	415	39	e.	e.	PROPN
fsr-3191	415	40	,	,	PUNCT
fsr-3191	415	41	labouré	labouré	NOUN
fsr-3191	415	42	,	,	PUNCT
fsr-3191	415	43	m.	m.	NOUN
fsr-3191	415	44	,	,	PUNCT
fsr-3191	415	45	&	&	CCONJ
fsr-3191	415	46	turner	turner	PROPN
fsr-3191	415	47	,	,	PUNCT
fsr-3191	415	48	j.	j.	PROPN
fsr-3191	415	49	a.	a.	PROPN
fsr-3191	415	50	(	(	PUNCT
fsr-3191	415	51	2019	2019	NUM
fsr-3191	415	52	)	)	PUNCT
fsr-3191	415	53	.	.	PUNCT
fsr-3191	416	1	the	the	DET
fsr-3191	416	2	emergence	emergence	NOUN
fsr-3191	416	3	of	of	ADP
fsr-3191	416	4	the	the	DET
fsr-3191	416	5	robo	robo	NOUN
fsr-3191	416	6	-	-	PUNCT
fsr-3191	416	7	advisor	advisor	NOUN
fsr-3191	416	8	.	.	PUNCT
fsr-3191	417	1	in	in	ADP
fsr-3191	417	2	j.	j.	PROPN
fsr-3191	417	3	agnew	agnew	PROPN
fsr-3191	417	4	&	&	CCONJ
fsr-3191	417	5	o.	o.	PROPN
fsr-3191	417	6	s.	s.	PROPN
fsr-3191	417	7	mitchell	mitchell	PROPN
fsr-3191	417	8	(	(	PUNCT
fsr-3191	417	9	eds	eds	PROPN
fsr-3191	417	10	.	.	PUNCT
fsr-3191	417	11	)	)	PUNCT
fsr-3191	417	12	.	.	PUNCT
fsr-3191	418	1	the	the	DET
fsr-3191	418	2	disruptive	disruptive	ADJ
fsr-3191	418	3	impact	impact	NOUN
fsr-3191	418	4	of	of	ADP
fsr-3191	418	5	fintech	fintech	NOUN
fsr-3191	418	6	on	on	ADP
fsr-3191	418	7	retirement	retirement	NOUN
fsr-3191	418	8	systems	system	NOUN
fsr-3191	418	9	(	(	PUNCT
fsr-3191	418	10	pp	pp	ADJ
fsr-3191	418	11	.	.	PUNCT
fsr-3191	418	12	13–37	13–37	NUM
fsr-3191	418	13	)	)	PUNCT
fsr-3191	418	14	.	.	PUNCT
fsr-3191	419	1	oxford	oxford	NOUN
fsr-3191	419	2	:	:	PUNCT
fsr-3191	419	3	oxford	oxford	PROPN
fsr-3191	419	4	university	university	PROPN
fsr-3191	419	5	press	press	NOUN
fsr-3191	419	6	.	.	PUNCT
fsr-3191	420	1	folger	folger	PROPN
fsr-3191	420	2	,	,	PUNCT
fsr-3191	420	3	j.	j.	PROPN
fsr-3191	420	4	(	(	PUNCT
fsr-3191	420	5	2021	2021	NUM
fsr-3191	420	6	)	)	PUNCT
fsr-3191	420	7	.	.	PUNCT
fsr-3191	421	1	which	which	PRON
fsr-3191	421	2	retirement	retirement	NOUN
fsr-3191	421	3	funds	fund	NOUN
fsr-3191	421	4	are	be	AUX
fsr-3191	421	5	protected	protect	VERB
fsr-3191	421	6	from	from	ADP
fsr-3191	421	7	creditors	creditor	NOUN
fsr-3191	421	8	?	?	PUNCT
fsr-3191	422	1	investopedia	investopedia	PROPN
fsr-3191	422	2	.	.	PUNCT
fsr-3191	422	3	available	available	ADJ
fsr-3191	422	4	at	at	ADP
fsr-3191	422	5	https://	https://	PROPN
fsr-3191	422	6	www.investopedia.com/articles/personal-finance/040716/which-retirement-funds-are-protected-creditors.asp	www.investopedia.com/articles/personal-finance/040716/which-retirement-funds-are-protected-creditors.asp	PROPN
fsr-3191	422	7	.	.	PUNCT
fsr-3191	423	1	folger	folger	PROPN
fsr-3191	423	2	,	,	PUNCT
fsr-3191	423	3	j.	j.	PROPN
fsr-3191	423	4	(	(	PUNCT
fsr-3191	423	5	2022	2022	NUM
fsr-3191	423	6	)	)	PUNCT
fsr-3191	423	7	.	.	PUNCT
fsr-3191	424	1	what	what	PRON
fsr-3191	424	2	roth	roth	PROPN
fsr-3191	424	3	ira	ira	PROPN
fsr-3191	424	4	fees	fee	NOUN
fsr-3191	424	5	do	do	AUX
fsr-3191	424	6	i	i	PRON
fsr-3191	424	7	pay	pay	VERB
fsr-3191	424	8	?	?	PUNCT
fsr-3191	425	1	investopedia	investopedia	PROPN
fsr-3191	425	2	.	.	PUNCT
fsr-3191	425	3	available	available	ADJ
fsr-3191	425	4	at	at	ADP
fsr-3191	425	5	https://www.investopedia.com/	https://www.investopedia.com/	NOUN
fsr-3191	425	6	what	what	PRON
fsr-3191	425	7	-	-	PUNCT
fsr-3191	425	8	types	type	NOUN
fsr-3191	425	9	-	-	PUNCT
fsr-3191	425	10	of	of	ADP
fsr-3191	425	11	-	-	PUNCT
fsr-3191	425	12	roth	roth	PROPN
fsr-3191	425	13	-	-	PUNCT
fsr-3191	425	14	ira	ira	PROPN
fsr-3191	425	15	-	-	PUNCT
fsr-3191	425	16	fees	fee	NOUN
fsr-3191	425	17	-	-	PUNCT
fsr-3191	425	18	do	do	AUX
fsr-3191	425	19	-	-	PUNCT
fsr-3191	425	20	i	i	PRON
fsr-3191	425	21	-	-	PUNCT
fsr-3191	425	22	pay-4771122#:;:text	pay-4771122#:;:text	NOUN
fsr-3191	425	23	=	=	SYM
fsr-3191	425	24	some%20roth%20ira%20providers%20charge,%	some%20roth%20ira%20providers%20charge,%	PROPN
fsr-3191	425	25	2425%20and%20%245	2425%20and%20%245	NUM
fsr-3191	425	26	0%20per%20year	0%20per%20year	NOUN
fsr-3191	425	27	fornia	fornia	PROPN
fsr-3191	425	28	,	,	PUNCT
fsr-3191	425	29	w.	w.	PROPN
fsr-3191	425	30	b.	b.	PROPN
fsr-3191	425	31	,	,	PUNCT
fsr-3191	425	32	&	&	CCONJ
fsr-3191	425	33	doonan	doonan	PROPN
fsr-3191	425	34	,	,	PUNCT
fsr-3191	425	35	d.	d.	PROPN
fsr-3191	425	36	(	(	PUNCT
fsr-3191	425	37	2022	2022	NUM
fsr-3191	425	38	)	)	PUNCT
fsr-3191	425	39	.	.	PUNCT
fsr-3191	426	1	a	a	DET
fsr-3191	426	2	better	well	ADJ
fsr-3191	426	3	bang	bang	NOUN
fsr-3191	426	4	for	for	ADP
fsr-3191	426	5	the	the	DET
fsr-3191	426	6	buck	buck	NOUN
fsr-3191	426	7	3.0	3.0	NUM
fsr-3191	426	8	:	:	PUNCT
fsr-3191	426	9	post	post	ADJ
fsr-3191	426	10	-	-	ADJ
fsr-3191	426	11	retirement	retirement	ADJ
fsr-3191	426	12	experience	experience	NOUN
fsr-3191	426	13	drives	drive	VERB
fsr-3191	426	14	pension	pension	NOUN
fsr-3191	426	15	cost	cost	NOUN
fsr-3191	426	16	advantage.washington	advantage.washington	PROPN
fsr-3191	426	17	,	,	PUNCT
fsr-3191	426	18	dc	dc	PROPN
fsr-3191	426	19	:	:	PUNCT
fsr-3191	426	20	national	national	PROPN
fsr-3191	426	21	institute	institute	PROPN
fsr-3191	426	22	on	on	ADP
fsr-3191	426	23	retirement	retirement	NOUN
fsr-3191	426	24	security	security	NOUN
fsr-3191	426	25	.	.	PUNCT
fsr-3191	427	1	fullmer	fullmer	PROPN
fsr-3191	427	2	,	,	PUNCT
fsr-3191	427	3	r.	r.	PROPN
fsr-3191	427	4	,	,	PUNCT
fsr-3191	427	5	&	&	CCONJ
fsr-3191	427	6	sabin	sabin	PROPN
fsr-3191	427	7	,	,	PUNCT
fsr-3191	427	8	m.	m.	NOUN
fsr-3191	427	9	(	(	PUNCT
fsr-3191	427	10	2018	2018	NUM
fsr-3191	427	11	)	)	PUNCT
fsr-3191	427	12	.	.	PUNCT
fsr-3191	428	1	individual	individual	ADJ
fsr-3191	428	2	tontine	tontine	NOUN
fsr-3191	428	3	accounts	account	NOUN
fsr-3191	428	4	–	–	PUNCT
fsr-3191	428	5	yes	yes	INTJ
fsr-3191	428	6	,	,	PUNCT
fsr-3191	428	7	seriously	seriously	ADV
fsr-3191	428	8	!	!	PUNCT
fsr-3191	429	1	journal	journal	PROPN
fsr-3191	429	2	of	of	ADP
fsr-3191	429	3	retirement	retirement	NOUN
fsr-3191	429	4	.	.	PUNCT
fsr-3191	430	1	available	available	ADJ
fsr-3191	430	2	at	at	ADP
fsr-3191	430	3	https://retirementincomejournal.com/article/individual-tontine-accounts-yesseriously/	https://retirementincomejournal.com/article/individual-tontine-accounts-yesseriously/	PROPN
fsr-3191	430	4	fullmer	fullmer	NOUN
fsr-3191	430	5	,	,	PUNCT
fsr-3191	430	6	r.	r.	PROPN
fsr-3191	430	7	k.	k.	PROPN
fsr-3191	430	8	,	,	PUNCT
fsr-3191	430	9	&	&	CCONJ
fsr-3191	430	10	turner	turner	PROPN
fsr-3191	430	11	,	,	PUNCT
fsr-3191	430	12	j.	j.	PROPN
fsr-3191	430	13	a.	a.	PROPN
fsr-3191	430	14	(	(	PUNCT
fsr-3191	430	15	2022	2022	NUM
fsr-3191	430	16	)	)	PUNCT
fsr-3191	430	17	.	.	PUNCT
fsr-3191	431	1	robo	robo	NOUN
fsr-3191	431	2	tontines	tontine	NOUN
fsr-3191	431	3	.	.	PUNCT
fsr-3191	432	1	journal	journal	PROPN
fsr-3191	432	2	of	of	ADP
fsr-3191	432	3	retirement	retirement	NOUN
fsr-3191	432	4	,	,	PUNCT
fsr-3191	432	5	10	10	NUM
fsr-3191	432	6	,	,	PUNCT
fsr-3191	432	7	63–73	63–73	NUM
fsr-3191	432	8	.	.	PUNCT
fsr-3191	433	1	general	general	ADJ
fsr-3191	433	2	accountability	accountability	NOUN
fsr-3191	433	3	office	office	NOUN
fsr-3191	433	4	(	(	PUNCT
fsr-3191	433	5	gao	gao	PROPN
fsr-3191	433	6	)	)	PUNCT
fsr-3191	433	7	.	.	PUNCT
fsr-3191	434	1	(	(	PUNCT
fsr-3191	434	2	2021	2021	NUM
fsr-3191	434	3	)	)	PUNCT
fsr-3191	434	4	.	.	PUNCT
fsr-3191	435	1	many	many	ADJ
fsr-3191	435	2	participants	participant	NOUN
fsr-3191	435	3	do	do	AUX
fsr-3191	435	4	not	not	PART
fsr-3191	435	5	understand	understand	VERB
fsr-3191	435	6	fee	fee	NOUN
fsr-3191	435	7	information	information	NOUN
fsr-3191	435	8	,	,	PUNCT
fsr-3191	435	9	but	but	CCONJ
fsr-3191	435	10	dol	dol	NOUN
fsr-3191	435	11	could	could	AUX
fsr-3191	435	12	take	take	VERB
fsr-3191	435	13	additional	additional	ADJ
fsr-3191	435	14	steps	step	NOUN
fsr-3191	435	15	to	to	PART
fsr-3191	435	16	help	help	VERB
fsr-3191	435	17	them	they	PRON
fsr-3191	435	18	.	.	PUNCT
fsr-3191	436	1	available	available	ADJ
fsr-3191	436	2	at	at	ADP
fsr-3191	436	3	https://www.gao.gov/assets/gao-21-357.pdf	https://www.gao.gov/assets/gao-21-357.pdf	X
fsr-3191	436	4	hastings	hastings	PROPN
fsr-3191	436	5	,	,	PUNCT
fsr-3191	436	6	j.	j.	PROPN
fsr-3191	436	7	s.	s.	PROPN
fsr-3191	436	8	,	,	PUNCT
fsr-3191	436	9	mitchell	mitchell	PROPN
fsr-3191	436	10	,	,	PUNCT
fsr-3191	436	11	o.	o.	PROPN
fsr-3191	436	12	s.	s.	PROPN
fsr-3191	436	13	,	,	PUNCT
fsr-3191	436	14	&	&	CCONJ
fsr-3191	436	15	chyn	chyn	PROPN
fsr-3191	436	16	,	,	PUNCT
fsr-3191	436	17	e.	e.	PROPN
fsr-3191	436	18	t.	t.	PROPN
fsr-3191	436	19	(	(	PUNCT
fsr-3191	436	20	2011	2011	NUM
fsr-3191	436	21	)	)	PUNCT
fsr-3191	436	22	.	.	PUNCT
fsr-3191	437	1	fees	fee	NOUN
fsr-3191	437	2	,	,	PUNCT
fsr-3191	437	3	framing	framing	NOUN
fsr-3191	437	4	,	,	PUNCT
fsr-3191	437	5	financial	financial	ADJ
fsr-3191	437	6	literacy	literacy	NOUN
fsr-3191	437	7	in	in	ADP
fsr-3191	437	8	the	the	DET
fsr-3191	437	9	choice	choice	NOUN
fsr-3191	437	10	of	of	ADP
fsr-3191	437	11	pension	pension	NOUN
fsr-3191	437	12	managers	manager	NOUN
fsr-3191	437	13	.	.	PUNCT
fsr-3191	438	1	in	in	ADP
fsr-3191	438	2	o.	o.	PROPN
fsr-3191	438	3	s.	s.	PROPN
fsr-3191	438	4	mitchell	mitchell	PROPN
fsr-3191	438	5	&	&	CCONJ
fsr-3191	438	6	a.	a.	PROPN
fsr-3191	438	7	lusardi	lusardi	PROPN
fsr-3191	438	8	(	(	PUNCT
fsr-3191	438	9	eds	ed	NOUN
fsr-3191	438	10	.	.	PUNCT
fsr-3191	438	11	)	)	PUNCT
fsr-3191	438	12	,	,	PUNCT
fsr-3191	438	13	financial	financial	ADJ
fsr-3191	438	14	literacy	literacy	NOUN
fsr-3191	438	15	:	:	PUNCT
fsr-3191	438	16	implications	implication	NOUN
fsr-3191	438	17	for	for	ADP
fsr-3191	438	18	retirement	retirement	NOUN
fsr-3191	438	19	security	security	NOUN
fsr-3191	438	20	and	and	CCONJ
fsr-3191	438	21	the	the	DET
fsr-3191	438	22	financial	financial	ADJ
fsr-3191	438	23	marketplace	marketplace	NOUN
fsr-3191	438	24	(	(	PUNCT
fsr-3191	438	25	pp	pp	ADJ
fsr-3191	438	26	.	.	PUNCT
fsr-3191	439	1	101–115	101–115	NUM
fsr-3191	439	2	)	)	PUNCT
fsr-3191	439	3	.	.	PUNCT
fsr-3191	440	1	oxford	oxford	NOUN
fsr-3191	440	2	:	:	PUNCT
fsr-3191	440	3	oxford	oxford	PROPN
fsr-3191	440	4	university	university	PROPN
fsr-3191	440	5	press	press	NOUN
fsr-3191	440	6	.	.	PUNCT
fsr-3191	441	1	horneff	horneff	NOUN
fsr-3191	441	2	,	,	PUNCT
fsr-3191	441	3	v.	v.	PROPN
fsr-3191	441	4	,	,	PUNCT
fsr-3191	441	5	maurer	maurer	PROPN
fsr-3191	441	6	,	,	PUNCT
fsr-3191	441	7	r.	r.	PROPN
fsr-3191	441	8	,	,	PUNCT
fsr-3191	441	9	&	&	CCONJ
fsr-3191	441	10	mitchell	mitchell	PROPN
fsr-3191	441	11	,	,	PUNCT
fsr-3191	441	12	o.	o.	PROPN
fsr-3191	441	13	s.	s.	PROPN
fsr-3191	441	14	(	(	PUNCT
fsr-3191	441	15	2020	2020	NUM
fsr-3191	441	16	)	)	PUNCT
fsr-3191	441	17	.	.	PUNCT
fsr-3191	442	1	putting	put	VERB
fsr-3191	442	2	the	the	DET
fsr-3191	442	3	pension	pension	NOUN
fsr-3191	442	4	back	back	ADV
fsr-3191	442	5	in	in	ADP
fsr-3191	442	6	401(k	401(k	NOUN
fsr-3191	442	7	)	)	PUNCT
fsr-3191	442	8	plans	plan	NOUN
fsr-3191	442	9	:	:	PUNCT
fsr-3191	442	10	optimal	optimal	ADJ
fsr-3191	442	11	retirement	retirement	NOUN
fsr-3191	442	12	plan	plan	NOUN
fsr-3191	442	13	design	design	VERB
fsr-3191	442	14	with	with	ADP
fsr-3191	442	15	longevity	longevity	NOUN
fsr-3191	442	16	income	income	NOUN
fsr-3191	442	17	annuities	annuity	NOUN
fsr-3191	442	18	.	.	PUNCT
fsr-3191	443	1	journal	journal	NOUN
fsr-3191	443	2	of	of	ADP
fsr-3191	443	3	banking	banking	NOUN
fsr-3191	443	4	&	&	CCONJ
fsr-3191	443	5	finance	finance	PROPN
fsr-3191	443	6	,	,	PUNCT
fsr-3191	443	7	114	114	NUM
fsr-3191	443	8	,	,	PUNCT
fsr-3191	443	9	105783	105783	NUM
fsr-3191	443	10	.	.	PUNCT
fsr-3191	444	1	https://doi.org/	https://doi.org/	VERB
fsr-3191	444	2	10.1016	10.1016	NUM
fsr-3191	444	3	/	/	SYM
fsr-3191	444	4	j.jbankfin.2020.105783	j.jbankfin.2020.105783	PROPN
fsr-3191	444	5	institutional	institutional	PROPN
fsr-3191	444	6	retirement	retirement	PROPN
fsr-3191	444	7	income	income	PROPN
fsr-3191	444	8	council	council	PROPN
fsr-3191	444	9	.	.	PUNCT
fsr-3191	445	1	(	(	PUNCT
fsr-3191	445	2	2021	2021	NUM
fsr-3191	445	3	)	)	PUNCT
fsr-3191	445	4	.	.	PUNCT
fsr-3191	446	1	delivering	deliver	VERB
fsr-3191	446	2	additional	additional	ADJ
fsr-3191	446	3	income	income	NOUN
fsr-3191	446	4	through	through	ADP
fsr-3191	446	5	lower	low	ADJ
fsr-3191	446	6	-	-	PUNCT
fsr-3191	446	7	cost	cost	NOUN
fsr-3191	446	8	products	product	NOUN
fsr-3191	446	9	and	and	CCONJ
fsr-3191	446	10	services	service	NOUN
fsr-3191	446	11	available	available	ADJ
fsr-3191	446	12	in	in	ADP
fsr-3191	446	13	the	the	DET
fsr-3191	446	14	defined	define	VERB
fsr-3191	446	15	contribution	contribution	NOUN
fsr-3191	446	16	industry	industry	NOUN
fsr-3191	446	17	.	.	PUNCT
fsr-3191	447	1	available	available	ADJ
fsr-3191	447	2	at	at	ADP
fsr-3191	447	3	https://tinyurl.com/3fxnatus	https://tinyurl.com/3fxnatus	PROPN
fsr-3191	447	4	o.	o.	PROPN
fsr-3191	447	5	s.	s.	PROPN
fsr-3191	447	6	mitchell	mitchell	PROPN
fsr-3191	447	7	et	et	PROPN
fsr-3191	447	8	al	al	PROPN
fsr-3191	447	9	.	.	PUNCT
fsr-3191	447	10	/	/	SYM
fsr-3191	447	11	financial	financial	ADJ
fsr-3191	447	12	services	service	NOUN
fsr-3191	447	13	review	review	VERB
fsr-3191	447	14	31	31	NUM
fsr-3191	447	15	(	(	PUNCT
fsr-3191	447	16	2023	2023	NUM
fsr-3191	447	17	)	)	PUNCT
fsr-3191	447	18	1–21	1–21	PROPN
fsr-3191	447	19	19	19	NUM
fsr-3191	447	20	internal	internal	ADJ
fsr-3191	447	21	revenue	revenue	NOUN
fsr-3191	447	22	service	service	NOUN
fsr-3191	447	23	.	.	PUNCT
fsr-3191	448	1	(	(	PUNCT
fsr-3191	448	2	2021	2021	NUM
fsr-3191	448	3	)	)	PUNCT
fsr-3191	448	4	.	.	PUNCT
fsr-3191	449	1	retirement	retirement	NOUN
fsr-3191	449	2	topics	topic	NOUN
fsr-3191	449	3	—	—	PUNCT
fsr-3191	449	4	exceptions	exception	NOUN
fsr-3191	449	5	to	to	PART
fsr-3191	449	6	tax	tax	VERB
fsr-3191	449	7	on	on	ADP
fsr-3191	449	8	early	early	ADJ
fsr-3191	449	9	distributions	distribution	NOUN
fsr-3191	449	10	.	.	PUNCT
fsr-3191	450	1	available	available	ADJ
fsr-3191	450	2	at	at	ADP
fsr-3191	450	3	https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-tax-on-early-distributions	https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-tax-on-early-distribution	NOUN
fsr-3191	450	4	investment	investment	NOUN
fsr-3191	450	5	company	company	NOUN
fsr-3191	450	6	institute	institute	NOUN
fsr-3191	450	7	.	.	PUNCT
fsr-3191	451	1	(	(	PUNCT
fsr-3191	451	2	2021a	2021a	NUM
fsr-3191	451	3	)	)	PUNCT
fsr-3191	451	4	.	.	PUNCT
fsr-3191	452	1	the	the	DET
fsr-3191	452	2	economics	economic	NOUN
fsr-3191	452	3	of	of	ADP
fsr-3191	452	4	providing	provide	VERB
fsr-3191	452	5	401(k	401(k	NOUN
fsr-3191	452	6	)	)	PUNCT
fsr-3191	452	7	plans	plan	NOUN
fsr-3191	452	8	:	:	PUNCT
fsr-3191	452	9	services	service	NOUN
fsr-3191	452	10	,	,	PUNCT
fsr-3191	452	11	fees	fee	NOUN
fsr-3191	452	12	,	,	PUNCT
fsr-3191	452	13	and	and	CCONJ
fsr-3191	452	14	expenses	expense	NOUN
fsr-3191	452	15	.	.	PUNCT
fsr-3191	453	1	available	available	ADJ
fsr-3191	453	2	at	at	ADP
fsr-3191	453	3	https://www.ici.org/system/files/2021-06/per27-06.pdf	https://www.ici.org/system/files/2021-06/per27-06.pdf	PROPN
fsr-3191	453	4	investment	investment	PROPN
fsr-3191	453	5	company	company	NOUN
fsr-3191	453	6	institute	institute	NOUN
fsr-3191	453	7	.	.	PUNCT
fsr-3191	454	1	(	(	PUNCT
fsr-3191	454	2	2021b	2021b	NUM
fsr-3191	454	3	)	)	PUNCT
fsr-3191	454	4	.	.	PUNCT
fsr-3191	455	1	release	release	NOUN
fsr-3191	455	2	:	:	PUNCT
fsr-3191	455	3	quarterly	quarterly	ADJ
fsr-3191	455	4	market	market	NOUN
fsr-3191	455	5	data	datum	NOUN
fsr-3191	455	6	.	.	PUNCT
fsr-3191	456	1	available	available	ADJ
fsr-3191	456	2	at	at	ADP
fsr-3191	456	3	https://www.ici.org/	https://www.ici.org/	ADJ
fsr-3191	456	4	statistical	statistical	ADJ
fsr-3191	456	5	-	-	PUNCT
fsr-3191	456	6	report	report	NOUN
fsr-3191	456	7	/	/	SYM
fsr-3191	456	8	ret_21_q1	ret_21_q1	NOUN
fsr-3191	456	9	investment	investment	NOUN
fsr-3191	456	10	news	news	NOUN
fsr-3191	456	11	.	.	PUNCT
fsr-3191	457	1	(	(	PUNCT
fsr-3191	457	2	2022	2022	NUM
fsr-3191	457	3	)	)	PUNCT
fsr-3191	457	4	.	.	PUNCT
fsr-3191	458	1	morningstar	morningstar	NOUN
fsr-3191	458	2	partners	partner	NOUN
fsr-3191	458	3	with	with	ADP
fsr-3191	458	4	hueler	hueler	NOUN
fsr-3191	458	5	on	on	ADP
fsr-3191	458	6	annuities	annuity	NOUN
fsr-3191	458	7	.	.	PUNCT
fsr-3191	459	1	available	available	ADJ
fsr-3191	459	2	at	at	ADP
fsr-3191	459	3	https://www	https://www	PROPN
fsr-3191	459	4	.	.	PUNCT
fsr-3191	460	1	investmentnews.com/morningstar-partners-with-hueler-on-annuities-217445	investmentnews.com/morningstar-partners-with-hueler-on-annuities-217445	PROPN
fsr-3191	460	2	ira	ira	PROPN
fsr-3191	460	3	reviews	review	NOUN
fsr-3191	460	4	.	.	PUNCT
fsr-3191	461	1	(	(	PUNCT
fsr-3191	461	2	2021	2021	NUM
fsr-3191	461	3	)	)	PUNCT
fsr-3191	461	4	.	.	PUNCT
fsr-3191	462	1	the	the	DET
fsr-3191	462	2	largest	large	ADJ
fsr-3191	462	3	ira	ira	PROPN
fsr-3191	462	4	account	account	NOUN
fsr-3191	462	5	provider	provider	NOUN
fsr-3191	462	6	companies	company	NOUN
fsr-3191	462	7	in	in	ADP
fsr-3191	462	8	2021	2021	NUM
fsr-3191	462	9	.	.	PUNCT
fsr-3191	463	1	available	available	ADJ
fsr-3191	463	2	at	at	ADP
fsr-3191	463	3	https://www.irareviews.com/ira/largest-ira-companies.aspx	https://www.irareviews.com/ira/largest-ira-companies.aspx	PROPN
fsr-3191	463	4	irs	irs	PROPN
fsr-3191	463	5	notice	notice	VERB
fsr-3191	463	6	2014	2014	NUM
fsr-3191	463	7	-	-	SYM
fsr-3191	463	8	66	66	NUM
fsr-3191	463	9	.	.	PUNCT
fsr-3191	464	1	lifetime	lifetime	NOUN
fsr-3191	464	2	income	income	NOUN
fsr-3191	464	3	provided	provide	VERB
fsr-3191	464	4	through	through	ADP
fsr-3191	464	5	target	target	NOUN
fsr-3191	464	6	date	date	NOUN
fsr-3191	464	7	funds	fund	NOUN
fsr-3191	464	8	in	in	ADP
fsr-3191	464	9	section	section	NOUN
fsr-3191	464	10	401(k	401(k	PROPN
fsr-3191	464	11	)	)	PUNCT
fsr-3191	464	12	plans	plan	NOUN
fsr-3191	464	13	and	and	CCONJ
fsr-3191	464	14	other	other	ADJ
fsr-3191	464	15	qualified	qualified	ADJ
fsr-3191	464	16	defined	define	VERB
fsr-3191	464	17	contribution	contribution	NOUN
fsr-3191	464	18	plans	plan	NOUN
fsr-3191	464	19	.	.	PUNCT
fsr-3191	465	1	available	available	ADJ
fsr-3191	465	2	at	at	ADP
fsr-3191	465	3	:	:	PUNCT
fsr-3191	465	4	https://www.irs.gov/pub/irs-drop/n-14-66.pdf	https://www.irs.gov/pub/irs-drop/n-14-66.pdf	PROPN
fsr-3191	465	5	iwry	iwry	NOUN
fsr-3191	465	6	,	,	PUNCT
fsr-3191	465	7	j.	j.	PROPN
fsr-3191	465	8	m.	m.	PROPN
fsr-3191	465	9	,	,	PUNCT
fsr-3191	465	10	john	john	PROPN
fsr-3191	465	11	,	,	PUNCT
fsr-3191	465	12	d.	d.	PROPN
fsr-3191	465	13	c.	c.	PROPN
fsr-3191	465	14	,	,	PUNCT
fsr-3191	465	15	pulliam	pulliam	PROPN
fsr-3191	465	16	,	,	PUNCT
fsr-3191	465	17	c.	c.	PROPN
fsr-3191	465	18	,	,	PUNCT
fsr-3191	465	19	&	&	CCONJ
fsr-3191	465	20	gale	gale	PROPN
fsr-3191	465	21	,	,	PUNCT
fsr-3191	465	22	w.	w.	PROPN
fsr-3191	465	23	g.	g.	PROPN
fsr-3191	465	24	(	(	PUNCT
fsr-3191	465	25	2021	2021	NUM
fsr-3191	465	26	)	)	PUNCT
fsr-3191	465	27	.	.	PUNCT
fsr-3191	466	1	collective	collective	ADJ
fsr-3191	466	2	defined	define	VERB
fsr-3191	466	3	contribution	contribution	NOUN
fsr-3191	466	4	plans	plan	NOUN
fsr-3191	466	5	.	.	PUNCT
fsr-3191	467	1	brookings	brookings	PROPN
fsr-3191	467	2	institute	institute	PROPN
fsr-3191	467	3	.	.	PUNCT
fsr-3191	468	1	available	available	ADJ
fsr-3191	468	2	at	at	ADP
fsr-3191	468	3	https://www.brookings.edu/research/collective-defined-contribution-plans/	https://www.brookings.edu/research/collective-defined-contribution-plans/	PROPN
fsr-3191	468	4	iwry	iwry	NOUN
fsr-3191	468	5	,	,	PUNCT
fsr-3191	468	6	m.	m.	NOUN
fsr-3191	468	7	,	,	PUNCT
fsr-3191	468	8	&	&	CCONJ
fsr-3191	468	9	turner	turner	PROPN
fsr-3191	468	10	,	,	PUNCT
fsr-3191	468	11	j.	j.	PROPN
fsr-3191	468	12	(	(	PUNCT
fsr-3191	468	13	2009	2009	NUM
fsr-3191	468	14	)	)	PUNCT
fsr-3191	468	15	.	.	PUNCT
fsr-3191	469	1	automatic	automatic	ADJ
fsr-3191	469	2	annuitization	annuitization	NOUN
fsr-3191	469	3	:	:	PUNCT
fsr-3191	469	4	new	new	ADJ
fsr-3191	469	5	behavioral	behavioral	ADJ
fsr-3191	469	6	strategies	strategy	NOUN
fsr-3191	469	7	for	for	ADP
fsr-3191	469	8	expanding	expand	VERB
fsr-3191	469	9	lifetime	lifetime	NOUN
fsr-3191	469	10	income	income	NOUN
fsr-3191	469	11	in	in	ADP
fsr-3191	469	12	401(k)s	401(k)s	PROPN
fsr-3191	469	13	.	.	PUNCT
fsr-3191	470	1	the	the	DET
fsr-3191	470	2	retirement	retirement	NOUN
fsr-3191	470	3	security	security	NOUN
fsr-3191	470	4	project	project	NOUN
fsr-3191	470	5	.	.	PUNCT
fsr-3191	471	1	iyengar	iyengar	PROPN
fsr-3191	471	2	,	,	PUNCT
fsr-3191	471	3	s.	s.	PROPN
fsr-3191	471	4	s.	s.	PROPN
fsr-3191	471	5	,	,	PUNCT
fsr-3191	471	6	&	&	CCONJ
fsr-3191	471	7	lepper	lepper	PROPN
fsr-3191	471	8	,	,	PUNCT
fsr-3191	471	9	m.	m.	NOUN
fsr-3191	471	10	(	(	PUNCT
fsr-3191	471	11	2000	2000	NUM
fsr-3191	471	12	)	)	PUNCT
fsr-3191	471	13	.	.	PUNCT
fsr-3191	472	1	when	when	SCONJ
fsr-3191	472	2	choice	choice	NOUN
fsr-3191	472	3	is	be	AUX
fsr-3191	472	4	demotivating	demotivate	VERB
fsr-3191	472	5	:	:	PUNCT
fsr-3191	472	6	can	can	AUX
fsr-3191	472	7	one	one	NUM
fsr-3191	472	8	desire	desire	VERB
fsr-3191	472	9	too	too	ADV
fsr-3191	472	10	much	much	ADJ
fsr-3191	472	11	of	of	ADP
fsr-3191	472	12	a	a	DET
fsr-3191	472	13	good	good	ADJ
fsr-3191	472	14	thing	thing	NOUN
fsr-3191	472	15	?	?	PUNCT
fsr-3191	473	1	journal	journal	NOUN
fsr-3191	473	2	of	of	ADP
fsr-3191	473	3	personality	personality	NOUN
fsr-3191	473	4	and	and	CCONJ
fsr-3191	473	5	social	social	ADJ
fsr-3191	473	6	psychology	psychology	NOUN
fsr-3191	473	7	,	,	PUNCT
fsr-3191	473	8	79	79	NUM
fsr-3191	473	9	,	,	PUNCT
fsr-3191	473	10	995–1006	995–1006	NUM
fsr-3191	473	11	.	.	PUNCT
fsr-3191	474	1	https://doi.org/10.1037/0022-3514.79.6.995	https://doi.org/10.1037/0022-3514.79.6.995	NOUN
fsr-3191	474	2	iyengar	iyengar	PROPN
fsr-3191	474	3	,	,	PUNCT
fsr-3191	474	4	s.	s.	PROPN
fsr-3191	474	5	s.	s.	PROPN
fsr-3191	474	6	,	,	PUNCT
fsr-3191	474	7	jiang	jiang	PROPN
fsr-3191	474	8	,	,	PUNCT
fsr-3191	474	9	w.	w.	PROPN
fsr-3191	474	10	,	,	PUNCT
fsr-3191	474	11	&	&	CCONJ
fsr-3191	474	12	huberman	huberman	NOUN
fsr-3191	474	13	,	,	PUNCT
fsr-3191	474	14	m.	m.	NOUN
fsr-3191	474	15	g.	g.	PROPN
fsr-3191	474	16	(	(	PUNCT
fsr-3191	474	17	2004	2004	NUM
fsr-3191	474	18	)	)	PUNCT
fsr-3191	474	19	.	.	PUNCT
fsr-3191	475	1	how	how	SCONJ
fsr-3191	475	2	much	much	ADJ
fsr-3191	475	3	choice	choice	NOUN
fsr-3191	475	4	is	be	AUX
fsr-3191	475	5	too	too	ADV
fsr-3191	475	6	much	much	ADJ
fsr-3191	475	7	?	?	PUNCT
fsr-3191	476	1	contributions	contribution	NOUN
fsr-3191	476	2	to	to	ADP
fsr-3191	476	3	401(k	401(k	PROPN
fsr-3191	476	4	)	)	PUNCT
fsr-3191	476	5	retirement	retirement	NOUN
fsr-3191	476	6	plans	plan	NOUN
fsr-3191	476	7	.	.	PUNCT
fsr-3191	477	1	in	in	ADP
fsr-3191	477	2	o.	o.	PROPN
fsr-3191	477	3	s.	s.	PROPN
fsr-3191	477	4	mitchell	mitchell	PROPN
fsr-3191	477	5	&	&	CCONJ
fsr-3191	477	6	s.	s.	PROPN
fsr-3191	477	7	utkus	utkus	PROPN
fsr-3191	477	8	(	(	PUNCT
fsr-3191	477	9	eds	ed	NOUN
fsr-3191	477	10	.	.	PUNCT
fsr-3191	477	11	)	)	PUNCT
fsr-3191	477	12	,	,	PUNCT
fsr-3191	477	13	pension	pension	NOUN
fsr-3191	477	14	design	design	NOUN
fsr-3191	477	15	and	and	CCONJ
fsr-3191	477	16	structure	structure	NOUN
fsr-3191	477	17	:	:	PUNCT
fsr-3191	477	18	new	new	ADJ
fsr-3191	477	19	lessons	lesson	NOUN
fsr-3191	477	20	from	from	ADP
fsr-3191	477	21	behavioral	behavioral	ADJ
fsr-3191	477	22	finance	finance	NOUN
fsr-3191	477	23	(	(	PUNCT
fsr-3191	477	24	pp	pp	ADJ
fsr-3191	477	25	.	.	PUNCT
fsr-3191	477	26	83–95	83–95	NUM
fsr-3191	477	27	)	)	PUNCT
fsr-3191	477	28	.	.	PUNCT
fsr-3191	478	1	oxford	oxford	NOUN
fsr-3191	478	2	:	:	PUNCT
fsr-3191	478	3	oxford	oxford	PROPN
fsr-3191	478	4	university	university	PROPN
fsr-3191	478	5	press	press	NOUN
fsr-3191	478	6	.	.	PUNCT
fsr-3191	479	1	laponsie	laponsie	PROPN
fsr-3191	479	2	,	,	PUNCT
fsr-3191	479	3	m.	m.	NOUN
fsr-3191	479	4	(	(	PUNCT
fsr-3191	479	5	2022	2022	NUM
fsr-3191	479	6	)	)	PUNCT
fsr-3191	479	7	.	.	PUNCT
fsr-3191	480	1	7	7	NUM
fsr-3191	480	2	ira	ira	PROPN
fsr-3191	480	3	accounts	account	NOUN
fsr-3191	480	4	to	to	PART
fsr-3191	480	5	consider	consider	VERB
fsr-3191	480	6	for	for	ADP
fsr-3191	480	7	2022	2022	NUM
fsr-3191	480	8	.	.	PUNCT
fsr-3191	481	1	us	us	PROPN
fsr-3191	481	2	news	news	PROPN
fsr-3191	481	3	,	,	PUNCT
fsr-3191	481	4	jan	jan	PROPN
fsr-3191	481	5	7	7	NUM
fsr-3191	481	6	.	.	PUNCT
fsr-3191	481	7	available	available	ADJ
fsr-3191	481	8	at	at	ADP
fsr-3191	481	9	https://money.usnews	https://money.usnews	X
fsr-3191	481	10	.	.	PUNCT
fsr-3191	481	11	com	com	NOUN
fsr-3191	481	12	/	/	SYM
fsr-3191	481	13	money	money	NOUN
fsr-3191	481	14	/	/	SYM
fsr-3191	481	15	retirement	retirement	NOUN
fsr-3191	481	16	/	/	SYM
fsr-3191	481	17	articles	article	NOUN
fsr-3191	481	18	/	/	SYM
fsr-3191	481	19	best	good	ADJ
fsr-3191	481	20	-	-	PUNCT
fsr-3191	481	21	ira	ira	PROPN
fsr-3191	481	22	-	-	PUNCT
fsr-3191	481	23	account	account	NOUN
fsr-3191	481	24	-	-	PUNCT
fsr-3191	481	25	providers	provider	NOUN
fsr-3191	481	26	ludwig	ludwig	PROPN
fsr-3191	481	27	,	,	PUNCT
fsr-3191	481	28	l.	l.	PROPN
fsr-3191	481	29	(	(	PUNCT
fsr-3191	481	30	2017	2017	NUM
fsr-3191	481	31	)	)	PUNCT
fsr-3191	481	32	.	.	PUNCT
fsr-3191	482	1	the	the	DET
fsr-3191	482	2	rise	rise	NOUN
fsr-3191	482	3	of	of	ADP
fsr-3191	482	4	the	the	DET
fsr-3191	482	5	robo	robo	NOUN
fsr-3191	482	6	-	-	PUNCT
fsr-3191	482	7	advisors	advisor	NOUN
fsr-3191	482	8	–	–	PUNCT
fsr-3191	482	9	should	should	AUX
fsr-3191	482	10	you	you	PRON
fsr-3191	482	11	use	use	VERB
fsr-3191	482	12	one	one	NUM
fsr-3191	482	13	?	?	PUNCT
fsr-3191	482	14	investorjunkie	investorjunkie	NOUN
fsr-3191	482	15	.	.	PUNCT
fsr-3191	483	1	available	available	ADJ
fsr-3191	483	2	at	at	ADP
fsr-3191	483	3	https://	https://	PROPN
fsr-3191	483	4	investorjunkie.com/35919/robo-advisors/	investorjunkie.com/35919/robo-advisors/	ADJ
fsr-3191	483	5	lusardi	lusardi	PROPN
fsr-3191	483	6	,	,	PUNCT
fsr-3191	483	7	a.	a.	PROPN
fsr-3191	483	8	,	,	PUNCT
fsr-3191	483	9	&	&	CCONJ
fsr-3191	483	10	mitchell	mitchell	PROPN
fsr-3191	483	11	,	,	PUNCT
fsr-3191	483	12	o.	o.	PROPN
fsr-3191	483	13	s.	s.	PROPN
fsr-3191	483	14	(	(	PUNCT
fsr-3191	483	15	2014	2014	NUM
fsr-3191	483	16	)	)	PUNCT
fsr-3191	483	17	.	.	PUNCT
fsr-3191	484	1	the	the	DET
fsr-3191	484	2	economic	economic	ADJ
fsr-3191	484	3	importance	importance	NOUN
fsr-3191	484	4	of	of	ADP
fsr-3191	484	5	financial	financial	ADJ
fsr-3191	484	6	literacy	literacy	NOUN
fsr-3191	484	7	:	:	PUNCT
fsr-3191	484	8	theory	theory	NOUN
fsr-3191	484	9	and	and	CCONJ
fsr-3191	484	10	evidence	evidence	NOUN
fsr-3191	484	11	.	.	PUNCT
fsr-3191	485	1	journal	journal	NOUN
fsr-3191	485	2	of	of	ADP
fsr-3191	485	3	economic	economic	ADJ
fsr-3191	485	4	literature	literature	NOUN
fsr-3191	485	5	,	,	PUNCT
fsr-3191	485	6	52	52	NUM
fsr-3191	485	7	,	,	PUNCT
fsr-3191	485	8	5–44	5–44	PROPN
fsr-3191	485	9	.	.	PROPN
fsr-3191	485	10	https://doi.org/10.1257/jel.52.1.5	https://doi.org/10.1257/jel.52.1.5	PROPN
fsr-3191	485	11	lusardi	lusardi	PROPN
fsr-3191	485	12	,	,	PUNCT
fsr-3191	485	13	a.	a.	PROPN
fsr-3191	485	14	,	,	PUNCT
fsr-3191	485	15	mitchell	mitchell	PROPN
fsr-3191	485	16	,	,	PUNCT
fsr-3191	485	17	o.	o.	PROPN
fsr-3191	485	18	s.	s.	PROPN
fsr-3191	485	19	,	,	PUNCT
fsr-3191	485	20	&	&	CCONJ
fsr-3191	485	21	curto	curto	PROPN
fsr-3191	485	22	,	,	PUNCT
fsr-3191	485	23	v.	v.	PROPN
fsr-3191	485	24	(	(	PUNCT
fsr-3191	485	25	2014	2014	NUM
fsr-3191	485	26	)	)	PUNCT
fsr-3191	485	27	.	.	PUNCT
fsr-3191	486	1	financial	financial	ADJ
fsr-3191	486	2	literacy	literacy	NOUN
fsr-3191	486	3	and	and	CCONJ
fsr-3191	486	4	financial	financial	ADJ
fsr-3191	486	5	sophistication	sophistication	NOUN
fsr-3191	486	6	in	in	ADP
fsr-3191	486	7	the	the	DET
fsr-3191	486	8	older	old	ADJ
fsr-3191	486	9	population	population	NOUN
fsr-3191	486	10	.	.	PUNCT
fsr-3191	487	1	journal	journal	PROPN
fsr-3191	487	2	of	of	ADP
fsr-3191	487	3	pension	pension	NOUN
fsr-3191	487	4	economics	economic	NOUN
fsr-3191	487	5	&	&	CCONJ
fsr-3191	487	6	finance	finance	PROPN
fsr-3191	487	7	,	,	PUNCT
fsr-3191	487	8	13	13	NUM
fsr-3191	487	9	,	,	PUNCT
fsr-3191	487	10	347–366	347–366	NUM
fsr-3191	487	11	.	.	PUNCT
fsr-3191	488	1	https://doi.org/10.1017/s1474747214000031	https://doi.org/10.1017/s1474747214000031	NUM
fsr-3191	488	2	manganaro	manganaro	NOUN
fsr-3191	488	3	,	,	PUNCT
fsr-3191	488	4	j.	j.	PROPN
fsr-3191	488	5	(	(	PUNCT
fsr-3191	488	6	2019	2019	NUM
fsr-3191	488	7	)	)	PUNCT
fsr-3191	488	8	.	.	PUNCT
fsr-3191	489	1	recordkeeping	recordkeepe	VERB
fsr-3191	489	2	fees	fee	NOUN
fsr-3191	489	3	under	under	ADP
fsr-3191	489	4	the	the	DET
fsr-3191	489	5	microscope	microscope	NOUN
fsr-3191	489	6	.	.	PUNCT
fsr-3191	490	1	planadvisor	planadvisor	NOUN
fsr-3191	490	2	,	,	PUNCT
fsr-3191	490	3	november	november	PROPN
fsr-3191	490	4	17	17	NUM
fsr-3191	490	5	.	.	PUNCT
fsr-3191	490	6	available	available	ADJ
fsr-3191	490	7	at	at	ADP
fsr-3191	490	8	https://www.planadviser.com/recordkeeping-fees-microscope/.	https://www.planadviser.com/recordkeeping-fees-microscope/.	ADJ
fsr-3191	490	9	manganaro	manganaro	NOUN
fsr-3191	490	10	,	,	PUNCT
fsr-3191	490	11	j.	j.	PROPN
fsr-3191	490	12	(	(	PUNCT
fsr-3191	490	13	2021	2021	NUM
fsr-3191	490	14	)	)	PUNCT
fsr-3191	490	15	.	.	PUNCT
fsr-3191	491	1	lack	lack	NOUN
fsr-3191	491	2	of	of	ADP
fsr-3191	491	3	revenue	revenue	NOUN
fsr-3191	491	4	sharing	sharing	NOUN
fsr-3191	491	5	questioned	question	VERB
fsr-3191	491	6	in	in	ADP
fsr-3191	491	7	erisa	erisa	NOUN
fsr-3191	491	8	lawsuit	lawsuit	NOUN
fsr-3191	491	9	.	.	PUNCT
fsr-3191	492	1	plansponsor	plansponsor	NOUN
fsr-3191	492	2	,	,	PUNCT
fsr-3191	492	3	august	august	PROPN
fsr-3191	492	4	17	17	NUM
fsr-3191	492	5	.	.	PUNCT
fsr-3191	493	1	https://	https://	PROPN
fsr-3191	493	2	www.plansponsor.com/lack-revenue-sharing-questioned-erisa-lawsuit/	www.plansponsor.com/lack-revenue-sharing-questioned-erisa-lawsuit/	PROPN
fsr-3191	493	3	mitchell	mitchell	PROPN
fsr-3191	493	4	,	,	PUNCT
fsr-3191	493	5	o.	o.	PROPN
fsr-3191	493	6	s.	s.	PROPN
fsr-3191	493	7	,	,	PUNCT
fsr-3191	493	8	&	&	CCONJ
fsr-3191	493	9	utkus	utkus	PROPN
fsr-3191	493	10	,	,	PUNCT
fsr-3191	493	11	s.	s.	PROPN
fsr-3191	493	12	p.	p.	PROPN
fsr-3191	493	13	(	(	PUNCT
fsr-3191	493	14	2022	2022	NUM
fsr-3191	493	15	)	)	PUNCT
fsr-3191	493	16	.	.	PUNCT
fsr-3191	494	1	target	target	NOUN
fsr-3191	494	2	date	date	NOUN
fsr-3191	494	3	funds	fund	NOUN
fsr-3191	494	4	and	and	CCONJ
fsr-3191	494	5	portfolio	portfolio	NOUN
fsr-3191	494	6	selection	selection	NOUN
fsr-3191	494	7	in	in	ADP
fsr-3191	494	8	401(k	401(k	PROPN
fsr-3191	494	9	)	)	PUNCT
fsr-3191	494	10	plans	plan	NOUN
fsr-3191	494	11	.	.	PUNCT
fsr-3191	495	1	journal	journal	NOUN
fsr-3191	495	2	of	of	ADP
fsr-3191	495	3	pension	pension	NOUN
fsr-3191	495	4	economics	economic	NOUN
fsr-3191	495	5	&	&	CCONJ
fsr-3191	495	6	finance	finance	PROPN
fsr-3191	495	7	,	,	PUNCT
fsr-3191	495	8	21	21	NUM
fsr-3191	495	9	,	,	PUNCT
fsr-3191	495	10	519–536	519–536	NUM
fsr-3191	495	11	.	.	PUNCT
fsr-3191	495	12	morningstar	morningstar	PROPN
fsr-3191	495	13	.	.	PUNCT
fsr-3191	496	1	(	(	PUNCT
fsr-3191	496	2	2022	2022	NUM
fsr-3191	496	3	)	)	PUNCT
fsr-3191	496	4	.	.	PUNCT
fsr-3191	497	1	retirement	retirement	NOUN
fsr-3191	497	2	plan	plan	PROPN
fsr-3191	497	3	landscape	landscape	NOUN
fsr-3191	497	4	report	report	NOUN
fsr-3191	497	5	:	:	PUNCT
fsr-3191	497	6	an	an	DET
fsr-3191	497	7	in	in	ADP
fsr-3191	497	8	-	-	PUNCT
fsr-3191	497	9	depth	depth	NOUN
fsr-3191	497	10	look	look	NOUN
fsr-3191	497	11	at	at	ADP
fsr-3191	497	12	the	the	DET
fsr-3191	497	13	trends	trend	NOUN
fsr-3191	497	14	and	and	CCONJ
fsr-3191	497	15	forces	force	NOUN
fsr-3191	497	16	reshaping	reshape	VERB
fsr-3191	497	17	u.s	u.s	PROPN
fsr-3191	497	18	.	.	PROPN
fsr-3191	497	19	retirement	retirement	NOUN
fsr-3191	497	20	plans	plan	NOUN
fsr-3191	497	21	.	.	PUNCT
fsr-3191	498	1	center	center	VERB
fsr-3191	498	2	for	for	ADP
fsr-3191	498	3	retirement	retirement	NOUN
fsr-3191	498	4	&	&	CCONJ
fsr-3191	498	5	policy	policy	NOUN
fsr-3191	498	6	studies	study	NOUN
fsr-3191	498	7	.	.	PUNCT
fsr-3191	499	1	norcross	norcross	PROPN
fsr-3191	499	2	,	,	PUNCT
fsr-3191	499	3	d.	d.	PROPN
fsr-3191	499	4	(	(	PUNCT
fsr-3191	499	5	2022	2022	NUM
fsr-3191	499	6	)	)	PUNCT
fsr-3191	499	7	.	.	PUNCT
fsr-3191	500	1	news	news	NOUN
fsr-3191	500	2	releases	release	NOUN
fsr-3191	500	3	.	.	PUNCT
fsr-3191	501	1	available	available	ADJ
fsr-3191	501	2	at	at	ADP
fsr-3191	501	3	https://norcross.house.gov/media-center/pressreleases/repsnorcross-walberg-reintroduce-legislation-improve-retirement	https://norcross.house.gov/media-center/pressreleases/repsnorcross-walberg-reintroduce-legislation-improve-retirement	PROPN
fsr-3191	501	4	parker	parker	PROPN
fsr-3191	501	5	,	,	PUNCT
fsr-3191	501	6	m.	m.	NOUN
fsr-3191	501	7	(	(	PUNCT
fsr-3191	501	8	2022	2022	NUM
fsr-3191	501	9	)	)	PUNCT
fsr-3191	501	10	.	.	PUNCT
fsr-3191	502	1	can	can	AUX
fsr-3191	502	2	you	you	PRON
fsr-3191	502	3	put	put	VERB
fsr-3191	502	4	stock	stock	NOUN
fsr-3191	502	5	options	option	NOUN
fsr-3191	502	6	in	in	ADP
fsr-3191	502	7	an	an	DET
fsr-3191	502	8	ira	ira	PROPN
fsr-3191	502	9	account	account	NOUN
fsr-3191	502	10	?	?	PUNCT
fsr-3191	503	1	the	the	DET
fsr-3191	503	2	nest	nest	NOUN
fsr-3191	503	3	.	.	PUNCT
fsr-3191	504	1	available	available	ADJ
fsr-3191	504	2	at	at	ADP
fsr-3191	504	3	https://budgeting	https://budgete	VERB
fsr-3191	504	4	.	.	PUNCT
fsr-3191	505	1	thenest.com/ira-rules-selling-stocks-reinvesting-24947.html	thenest.com/ira-rules-selling-stocks-reinvesting-24947.html	PROPN
fsr-3191	505	2	pechter	pechter	NOUN
fsr-3191	505	3	,	,	PUNCT
fsr-3191	505	4	k.	k.	PROPN
fsr-3191	505	5	(	(	PUNCT
fsr-3191	505	6	2022	2022	NUM
fsr-3191	505	7	)	)	PUNCT
fsr-3191	505	8	.	.	PUNCT
fsr-3191	506	1	‘	'	PUNCT
fsr-3191	506	2	income	income	PROPN
fsr-3191	506	3	america	america	PROPN
fsr-3191	506	4	’	'	PUNCT
fsr-3191	506	5	offers	offer	VERB
fsr-3191	506	6	‘	'	PUNCT
fsr-3191	506	7	5forlife	5forlife	NUM
fsr-3191	506	8	.	.	PUNCT
fsr-3191	506	9	’	'	PUNCT
fsr-3191	507	1	retirement	retirement	NOUN
fsr-3191	507	2	income	income	NOUN
fsr-3191	507	3	journal	journal	PROPN
fsr-3191	507	4	.	.	PUNCT
fsr-3191	508	1	available	available	ADJ
fsr-3191	508	2	at	at	ADP
fsr-3191	508	3	https://	https://	PROPN
fsr-3191	508	4	retirementincomejournal.com/article/income-america-offers-5forlife/	retirementincomejournal.com/article/income-america-offers-5forlife/	PROPN
fsr-3191	508	5	the	the	DET
fsr-3191	508	6	pew	pew	NOUN
fsr-3191	508	7	charitable	charitable	ADJ
fsr-3191	508	8	trusts	trust	NOUN
fsr-3191	508	9	.	.	PUNCT
fsr-3191	509	1	(	(	PUNCT
fsr-3191	509	2	2021	2021	NUM
fsr-3191	509	3	)	)	PUNCT
fsr-3191	509	4	.	.	PUNCT
fsr-3191	510	1	how	how	SCONJ
fsr-3191	510	2	employees	employee	NOUN
fsr-3191	510	3	handle	handle	VERB
fsr-3191	510	4	their	their	PRON
fsr-3191	510	5	retirement	retirement	NOUN
fsr-3191	510	6	savings	saving	NOUN
fsr-3191	510	7	during	during	ADP
fsr-3191	510	8	work	work	NOUN
fsr-3191	510	9	transitions	transition	NOUN
fsr-3191	510	10	.	.	PUNCT
fsr-3191	511	1	available	available	ADJ
fsr-3191	511	2	at	at	ADP
fsr-3191	511	3	https://www.pewtrusts.org/en/research-and-analysis/issue-briefs/2021/05/how-employees-handle-theirretirement-savings-during-work-transitions	https://www.pewtrusts.org/en/research-and-analysis/issue-briefs/2021/05/how-employees-handle-theirretirement-savings-during-work-transition	NOUN
fsr-3191	511	4	ponte	ponte	NOUN
fsr-3191	511	5	,	,	PUNCT
fsr-3191	511	6	b.	b.	PROPN
fsr-3191	511	7	(	(	PUNCT
fsr-3191	511	8	2022	2022	NUM
fsr-3191	511	9	)	)	PUNCT
fsr-3191	511	10	.	.	PUNCT
fsr-3191	512	1	vanguard	vanguard	NOUN
fsr-3191	512	2	manages	manage	VERB
fsr-3191	512	3	two	two	NUM
fsr-3191	512	4	-	-	PUNCT
fsr-3191	512	5	thirds	third	NOUN
fsr-3191	512	6	of	of	ADP
fsr-3191	512	7	robo	robo	NOUN
fsr-3191	512	8	assets	asset	NOUN
fsr-3191	512	9	.	.	PUNCT
fsr-3191	513	1	ignites	ignite	VERB
fsr-3191	513	2	.	.	PUNCT
fsr-3191	514	1	available	available	ADJ
fsr-3191	514	2	at	at	ADP
fsr-3191	514	3	https://www.ignites.com/	https://www.ignites.com/	NOUN
fsr-3191	514	4	c/3559244/455664	c/3559244/455664	NOUN
fsr-3191	514	5	porter	porter	NOUN
fsr-3191	514	6	,	,	PUNCT
fsr-3191	514	7	t.	t.	PROPN
fsr-3191	514	8	j.	j.	PROPN
fsr-3191	514	9	(	(	PUNCT
fsr-3191	514	10	2021	2021	NUM
fsr-3191	514	11	)	)	PUNCT
fsr-3191	514	12	.	.	PUNCT
fsr-3191	515	1	ira	ira	PROPN
fsr-3191	515	2	vs.	vs.	ADP
fsr-3191	515	3	401(k	401(k	PROPN
fsr-3191	515	4	)	)	PUNCT
fsr-3191	515	5	differences	difference	NOUN
fsr-3191	515	6	–	–	PUNCT
fsr-3191	515	7	which	which	DET
fsr-3191	515	8	retirement	retirement	NOUN
fsr-3191	515	9	plan	plan	NOUN
fsr-3191	515	10	is	be	AUX
fsr-3191	515	11	better	well	ADJ
fsr-3191	515	12	?	?	PUNCT
fsr-3191	516	1	moneycrashers.com	moneycrashers.com	X
fsr-3191	516	2	.	.	NOUN
fsr-3191	516	3	available	available	ADJ
fsr-3191	516	4	at	at	ADP
fsr-3191	516	5	https://www.moneycrashers.com/ira-vs-401k-differences-retirementplan-better/	https://www.moneycrashers.com/ira-vs-401k-differences-retirementplan-better/	NOUN
fsr-3191	516	6	20	20	NUM
fsr-3191	516	7	o.	o.	PROPN
fsr-3191	516	8	s.	s.	PROPN
fsr-3191	516	9	mitchell	mitchell	PROPN
fsr-3191	516	10	et	et	PROPN
fsr-3191	516	11	al	al	PROPN
fsr-3191	516	12	.	.	PUNCT
fsr-3191	516	13	/	/	SYM
fsr-3191	516	14	financial	financial	ADJ
fsr-3191	516	15	services	service	NOUN
fsr-3191	516	16	review	review	VERB
fsr-3191	516	17	31	31	NUM
fsr-3191	516	18	(	(	PUNCT
fsr-3191	516	19	2023	2023	NUM
fsr-3191	516	20	)	)	PUNCT
fsr-3191	516	21	1–21	1–21	PROPN
fsr-3191	516	22	sec	sec	PROPN
fsr-3191	516	23	.	.	PUNCT
fsr-3191	517	1	(	(	PUNCT
fsr-3191	517	2	2019	2019	NUM
fsr-3191	517	3	)	)	PUNCT
fsr-3191	517	4	.	.	PUNCT
fsr-3191	518	1	regulation	regulation	NOUN
fsr-3191	518	2	best	good	ADJ
fsr-3191	518	3	interest	interest	NOUN
fsr-3191	518	4	:	:	PUNCT
fsr-3191	518	5	the	the	DET
fsr-3191	518	6	broker	broker	NOUN
fsr-3191	518	7	-	-	PUNCT
fsr-3191	518	8	dealer	dealer	NOUN
fsr-3191	518	9	standard	standard	NOUN
fsr-3191	518	10	of	of	ADP
fsr-3191	518	11	conduct	conduct	NOUN
fsr-3191	518	12	.	.	PUNCT
fsr-3191	519	1	available	available	ADJ
fsr-3191	519	2	at	at	ADP
fsr-3191	519	3	https://www.finra	https://www.finra	PROPN
fsr-3191	519	4	.	.	PUNCT
fsr-3191	520	1	org	org	ADJ
fsr-3191	520	2	/	/	SYM
fsr-3191	520	3	rules	rule	NOUN
fsr-3191	520	4	-	-	PUNCT
fsr-3191	520	5	guidance	guidance	NOUN
fsr-3191	520	6	/	/	SYM
fsr-3191	520	7	key	key	NOUN
fsr-3191	520	8	-	-	PUNCT
fsr-3191	520	9	topicis	topici	VERB
fsr-3191	520	10	/	/	SYM
fsr-3191	520	11	regulation	regulation	NOUN
fsr-3191	520	12	-	-	PUNCT
fsr-3191	520	13	best	good	ADJ
fsr-3191	520	14	-	-	PUNCT
fsr-3191	520	15	interest	interest	NOUN
fsr-3191	520	16	securing	secure	VERB
fsr-3191	520	17	a	a	DET
fsr-3191	520	18	strong	strong	ADJ
fsr-3191	520	19	retirement	retirement	NOUN
fsr-3191	520	20	act	act	NOUN
fsr-3191	520	21	2021	2021	NUM
fsr-3191	520	22	.	.	PUNCT
fsr-3191	521	1	available	available	ADJ
fsr-3191	521	2	at	at	ADP
fsr-3191	521	3	:	:	PUNCT
fsr-3191	521	4	https://waysandmeans.house.gov/wp-content/uploads/	https://waysandmeans.house.gov/wp-content/uploads/	PROPN
fsr-3191	521	5	2021/05	2021/05	NUM
fsr-3191	521	6	/	/	SYM
fsr-3191	521	7	secure-2.0	secure-2.0	NOUN
fsr-3191	521	8	-	-	PUNCT
fsr-3191	521	9	section	section	NOUN
fsr-3191	521	10	-	-	PUNCT
fsr-3191	521	11	by	by	ADP
fsr-3191	521	12	-	-	PUNCT
fsr-3191	521	13	section-5.3.21	section-5.3.21	NOUN
fsr-3191	521	14	-	-	PUNCT
fsr-3191	521	15	1.pdf	1.pdf	NOUN
fsr-3191	521	16	schimmer	schimmer	NOUN
fsr-3191	521	17	,	,	PUNCT
fsr-3191	521	18	p.	p.	NOUN
fsr-3191	521	19	(	(	PUNCT
fsr-3191	521	20	2021	2021	NUM
fsr-3191	521	21	)	)	PUNCT
fsr-3191	521	22	.	.	PUNCT
fsr-3191	522	1	fees	fee	NOUN
fsr-3191	522	2	for	for	ADP
fsr-3191	522	3	401(k	401(k	NOUN
fsr-3191	522	4	)	)	PUNCT
fsr-3191	522	5	services	service	NOUN
fsr-3191	522	6	:	:	PUNCT
fsr-3191	522	7	what	what	PRON
fsr-3191	522	8	plan	plan	NOUN
fsr-3191	522	9	sponsors	sponsor	NOUN
fsr-3191	522	10	need	need	VERB
fsr-3191	522	11	to	to	PART
fsr-3191	522	12	know	know	VERB
fsr-3191	522	13	.	.	PUNCT
fsr-3191	523	1	harris	harris	PROPN
fsr-3191	523	2	.	.	PUNCT
fsr-3191	523	3	available	available	ADJ
fsr-3191	523	4	at	at	ADP
fsr-3191	523	5	https://	https://	PROPN
fsr-3191	523	6	harriscpas.com/fees-for-401k-services-what-plan-sponsors-need-to-know/.	harriscpas.com/fees-for-401k-services-what-plan-sponsors-need-to-know/.	PROPN
fsr-3191	523	7	shen	shen	NOUN
fsr-3191	523	8	,	,	PUNCT
fsr-3191	523	9	s.	s.	PROPN
fsr-3191	523	10	,	,	PUNCT
fsr-3191	523	11	&	&	CCONJ
fsr-3191	523	12	turner	turner	PROPN
fsr-3191	523	13	,	,	PUNCT
fsr-3191	523	14	j.	j.	PROPN
fsr-3191	523	15	a.	a.	PROPN
fsr-3191	523	16	(	(	PUNCT
fsr-3191	523	17	2018	2018	NUM
fsr-3191	523	18	)	)	PUNCT
fsr-3191	523	19	.	.	PUNCT
fsr-3191	524	1	conflicted	conflicted	ADJ
fsr-3191	524	2	advice	advice	NOUN
fsr-3191	524	3	about	about	ADP
fsr-3191	524	4	portfolio	portfolio	NOUN
fsr-3191	524	5	diversification	diversification	NOUN
fsr-3191	524	6	.	.	PUNCT
fsr-3191	525	1	financial	financial	ADJ
fsr-3191	525	2	services	service	NOUN
fsr-3191	525	3	review	review	PROPN
fsr-3191	525	4	,	,	PUNCT
fsr-3191	525	5	27	27	NUM
fsr-3191	525	6	,	,	PUNCT
fsr-3191	525	7	47–82	47–82	NUM
fsr-3191	525	8	.	.	PUNCT
fsr-3191	526	1	sialm	sialm	PROPN
fsr-3191	526	2	,	,	PUNCT
fsr-3191	526	3	c.	c.	PROPN
fsr-3191	526	4	,	,	PUNCT
fsr-3191	526	5	starks	stark	NOUN
fsr-3191	526	6	,	,	PUNCT
fsr-3191	526	7	l.	l.	PROPN
fsr-3191	526	8	,	,	PUNCT
fsr-3191	526	9	&	&	CCONJ
fsr-3191	526	10	zhang	zhang	PROPN
fsr-3191	526	11	,	,	PUNCT
fsr-3191	526	12	h.	h.	PROPN
fsr-3191	526	13	(	(	PUNCT
fsr-3191	526	14	2015	2015	NUM
fsr-3191	526	15	)	)	PUNCT
fsr-3191	526	16	.	.	PUNCT
fsr-3191	527	1	defined	define	VERB
fsr-3191	527	2	contribution	contribution	NOUN
fsr-3191	527	3	pension	pension	NOUN
fsr-3191	527	4	plans	plan	NOUN
fsr-3191	527	5	:	:	PUNCT
fsr-3191	527	6	sticky	sticky	ADJ
fsr-3191	527	7	or	or	CCONJ
fsr-3191	527	8	discerning	discern	VERB
fsr-3191	527	9	money	money	NOUN
fsr-3191	527	10	?	?	PUNCT
fsr-3191	528	1	the	the	DET
fsr-3191	528	2	journal	journal	PROPN
fsr-3191	528	3	of	of	ADP
fsr-3191	528	4	finance	finance	NOUN
fsr-3191	528	5	,	,	PUNCT
fsr-3191	528	6	70	70	NUM
fsr-3191	528	7	,	,	PUNCT
fsr-3191	528	8	805–838	805–838	NUM
fsr-3191	528	9	.	.	PUNCT
fsr-3191	529	1	https://doi.org/10.1111/jofi.12232	https://doi.org/10.1111/jofi.12232	PROPN
fsr-3191	529	2	state	state	PROPN
fsr-3191	529	3	street	street	PROPN
fsr-3191	529	4	global	global	ADJ
fsr-3191	529	5	advisors	advisor	NOUN
fsr-3191	529	6	.	.	PUNCT
fsr-3191	530	1	(	(	PUNCT
fsr-3191	530	2	2021	2021	NUM
fsr-3191	530	3	)	)	PUNCT
fsr-3191	530	4	.	.	PUNCT
fsr-3191	531	1	addressing	address	VERB
fsr-3191	531	2	longevity	longevity	NOUN
fsr-3191	531	3	risk	risk	NOUN
fsr-3191	531	4	.	.	PUNCT
fsr-3191	532	1	available	available	ADJ
fsr-3191	532	2	at	at	ADP
fsr-3191	532	3	https://www.ssga.com/us/en/	https://www.ssga.com/us/en/	PROPN
fsr-3191	532	4	institutional	institutional	ADJ
fsr-3191	532	5	/	/	SYM
fsr-3191	532	6	ic	ic	PROPN
fsr-3191	532	7	/	/	NOUN
fsr-3191	532	8	insights	insight	NOUN
fsr-3191	532	9	/	/	SYM
fsr-3191	532	10	addressing	address	VERB
fsr-3191	532	11	-	-	PUNCT
fsr-3191	532	12	longevity	longevity	NOUN
fsr-3191	532	13	-	-	PUNCT
fsr-3191	532	14	risk	risk	NOUN
fsr-3191	532	15	szala	szala	NOUN
fsr-3191	532	16	,	,	PUNCT
fsr-3191	532	17	g.	g.	PROPN
fsr-3191	532	18	(	(	PUNCT
fsr-3191	532	19	2022	2022	NUM
fsr-3191	532	20	)	)	PUNCT
fsr-3191	532	21	.	.	PUNCT
fsr-3191	533	1	vanguard	vanguard	NOUN
fsr-3191	533	2	cuts	cut	NOUN
fsr-3191	533	3	target	target	NOUN
fsr-3191	533	4	date	date	NOUN
fsr-3191	533	5	fund	fund	NOUN
fsr-3191	533	6	fees	fee	NOUN
fsr-3191	533	7	.	.	PUNCT
fsr-3191	534	1	thinkadvisor	thinkadvisor	NOUN
fsr-3191	534	2	,	,	PUNCT
fsr-3191	534	3	february	february	PROPN
fsr-3191	534	4	14	14	NUM
fsr-3191	534	5	.	.	PUNCT
fsr-3191	534	6	available	available	ADJ
fsr-3191	534	7	at	at	ADP
fsr-3191	534	8	https://www	https://www	PROPN
fsr-3191	534	9	.	.	PUNCT
fsr-3191	535	1	thinkadvisor.com/2022/02/14/vanguard-cuts-target-date-fund-fees/	thinkadvisor.com/2022/02/14/vanguard-cuts-target-date-fund-fees/	PROPN
fsr-3191	535	2	tang	tang	PROPN
fsr-3191	535	3	,	,	PUNCT
fsr-3191	535	4	n.	n.	PROPN
fsr-3191	535	5	,	,	PUNCT
fsr-3191	535	6	mitchell	mitchell	PROPN
fsr-3191	535	7	,	,	PUNCT
fsr-3191	535	8	o.	o.	PROPN
fsr-3191	535	9	s.	s.	PROPN
fsr-3191	535	10	,	,	PUNCT
fsr-3191	535	11	mottola	mottola	PROPN
fsr-3191	535	12	,	,	PUNCT
fsr-3191	535	13	g.	g.	PROPN
fsr-3191	535	14	,	,	PUNCT
fsr-3191	535	15	&	&	CCONJ
fsr-3191	535	16	utkus	utkus	PROPN
fsr-3191	535	17	,	,	PUNCT
fsr-3191	535	18	s.	s.	PROPN
fsr-3191	535	19	(	(	PUNCT
fsr-3191	535	20	2010	2010	NUM
fsr-3191	535	21	)	)	PUNCT
fsr-3191	535	22	.	.	PUNCT
fsr-3191	536	1	the	the	DET
fsr-3191	536	2	efficiency	efficiency	NOUN
fsr-3191	536	3	of	of	ADP
fsr-3191	536	4	sponsor	sponsor	NOUN
fsr-3191	536	5	and	and	CCONJ
fsr-3191	536	6	participant	participant	ADJ
fsr-3191	536	7	portfolio	portfolio	NOUN
fsr-3191	536	8	choices	choice	NOUN
fsr-3191	536	9	in	in	ADP
fsr-3191	536	10	401(k	401(k	NOUN
fsr-3191	536	11	)	)	PUNCT
fsr-3191	536	12	plans	plan	NOUN
fsr-3191	536	13	.	.	PUNCT
fsr-3191	537	1	journal	journal	NOUN
fsr-3191	537	2	of	of	ADP
fsr-3191	537	3	public	public	ADJ
fsr-3191	537	4	economics	economic	NOUN
fsr-3191	537	5	,	,	PUNCT
fsr-3191	537	6	94	94	NUM
fsr-3191	537	7	,	,	PUNCT
fsr-3191	537	8	1073–1085	1073–1085	NUM
fsr-3191	537	9	.	.	PUNCT
fsr-3191	538	1	https://doi.org/10.1016/j.jpubeco.2010.06.016	https://doi.org/10.1016/j.jpubeco.2010.06.016	PROPN
fsr-3191	538	2	thrift	thrift	NOUN
fsr-3191	538	3	savings	saving	NOUN
fsr-3191	538	4	plan	plan	NOUN
fsr-3191	538	5	.	.	PUNCT
fsr-3191	539	1	(	(	PUNCT
fsr-3191	539	2	2021	2021	NUM
fsr-3191	539	3	)	)	PUNCT
fsr-3191	539	4	.	.	PUNCT
fsr-3191	540	1	administrative	administrative	ADJ
fsr-3191	540	2	and	and	CCONJ
fsr-3191	540	3	investment	investment	NOUN
fsr-3191	540	4	expenses	expense	NOUN
fsr-3191	540	5	.	.	PUNCT
fsr-3191	541	1	available	available	ADJ
fsr-3191	541	2	at	at	ADP
fsr-3191	541	3	https://www.tsp.gov/tspbasics/administrative-and-investment-expenses/.	https://www.tsp.gov/tspbasics/administrative-and-investment-expenses/.	PROPN
fsr-3191	541	4	turner	turner	NOUN
fsr-3191	541	5	,	,	PUNCT
fsr-3191	541	6	j.	j.	PROPN
fsr-3191	541	7	a.	a.	PROPN
fsr-3191	541	8	(	(	PUNCT
fsr-3191	541	9	2021	2021	NUM
fsr-3191	541	10	)	)	PUNCT
fsr-3191	541	11	.	.	PUNCT
fsr-3191	542	1	pension	pension	NOUN
fsr-3191	542	2	litigation	litigation	NOUN
fsr-3191	542	3	as	as	ADP
fsr-3191	542	4	a	a	DET
fsr-3191	542	5	way	way	NOUN
fsr-3191	542	6	of	of	ADP
fsr-3191	542	7	improving	improve	VERB
fsr-3191	542	8	participants	participant	NOUN
fsr-3191	542	9	’	'	PUNCT
fsr-3191	542	10	outcomes	outcome	NOUN
fsr-3191	542	11	:	:	PUNCT
fsr-3191	542	12	investments	investment	NOUN
fsr-3191	542	13	and	and	CCONJ
fsr-3191	542	14	fees	fee	NOUN
fsr-3191	542	15	.	.	PUNCT
fsr-3191	543	1	chapter	chapter	NOUN
fsr-3191	543	2	2	2	NUM
fsr-3191	543	3	.	.	PUNCT
fsr-3191	544	1	in	in	ADP
fsr-3191	544	2	new	new	PROPN
fsr-3191	544	3	york	york	PROPN
fsr-3191	544	4	university	university	PROPN
fsr-3191	544	5	review	review	NOUN
fsr-3191	544	6	of	of	ADP
fsr-3191	544	7	employee	employee	NOUN
fsr-3191	544	8	benefits	benefit	NOUN
fsr-3191	544	9	and	and	CCONJ
fsr-3191	544	10	executive	executive	NOUN
fsr-3191	544	11	compensation	compensation	NOUN
fsr-3191	544	12	(	(	PUNCT
fsr-3191	544	13	eds	eds	PROPN
fsr-3191	544	14	)	)	PUNCT
fsr-3191	544	15	nyu	nyu	NOUN
fsr-3191	544	16	school	school	NOUN
fsr-3191	544	17	of	of	ADP
fsr-3191	544	18	continuing	continue	VERB
fsr-3191	544	19	and	and	CCONJ
fsr-3191	544	20	professional	professional	ADJ
fsr-3191	544	21	studies	study	NOUN
fsr-3191	544	22	and	and	CCONJ
fsr-3191	544	23	d.	d.	PROPN
fsr-3191	544	24	pratt	pratt	PROPN
fsr-3191	544	25	.	.	PUNCT
fsr-3191	545	1	new	new	PROPN
fsr-3191	545	2	york	york	PROPN
fsr-3191	545	3	:	:	PUNCT
fsr-3191	545	4	lexisnexis	lexisnexis	PROPN
fsr-3191	545	5	.	.	PUNCT
fsr-3191	546	1	pp	pp	ADV
fsr-3191	546	2	2–1	2–1	NUM
fsr-3191	546	3	to	to	ADP
fsr-3191	546	4	2–15	2–15	PROPN
fsr-3191	546	5	.	.	PUNCT
fsr-3191	547	1	turner	turner	PROPN
fsr-3191	547	2	,	,	PUNCT
fsr-3191	547	3	j.	j.	PROPN
fsr-3191	547	4	a.	a.	PROPN
fsr-3191	547	5	,	,	PUNCT
fsr-3191	547	6	&	&	CCONJ
fsr-3191	547	7	klein	klein	PROPN
fsr-3191	547	8	,	,	PUNCT
fsr-3191	547	9	b.	b.	PROPN
fsr-3191	547	10	w.	w.	PROPN
fsr-3191	547	11	(	(	PUNCT
fsr-3191	547	12	2014	2014	NUM
fsr-3191	547	13	)	)	PUNCT
fsr-3191	547	14	.	.	PUNCT
fsr-3191	548	1	retirement	retirement	NOUN
fsr-3191	548	2	savings	saving	NOUN
fsr-3191	548	3	flows	flow	NOUN
fsr-3191	548	4	and	and	CCONJ
fsr-3191	548	5	financial	financial	ADJ
fsr-3191	548	6	advice	advice	NOUN
fsr-3191	548	7	:	:	PUNCT
fsr-3191	549	1	should	should	AUX
fsr-3191	549	2	you	you	PRON
fsr-3191	549	3	roll	roll	VERB
fsr-3191	549	4	over	over	ADP
fsr-3191	549	5	your	your	PRON
fsr-3191	549	6	401(k	401(k	NOUN
fsr-3191	549	7	)	)	PUNCT
fsr-3191	549	8	plan	plan	NOUN
fsr-3191	549	9	?	?	PUNCT
fsr-3191	550	1	benefits	benefit	NOUN
fsr-3191	550	2	quarterly	quarterly	ADV
fsr-3191	550	3	,	,	PUNCT
fsr-3191	550	4	30	30	NUM
fsr-3191	550	5	,	,	PUNCT
fsr-3191	550	6	42–54	42–54	NUM
fsr-3191	550	7	.	.	PUNCT
fsr-3191	551	1	turner	turner	PROPN
fsr-3191	551	2	,	,	PUNCT
fsr-3191	551	3	j.	j.	PROPN
fsr-3191	551	4	a.	a.	PROPN
fsr-3191	551	5	,	,	PUNCT
fsr-3191	551	6	klein	klein	PROPN
fsr-3191	551	7	,	,	PUNCT
fsr-3191	551	8	b.	b.	PROPN
fsr-3191	551	9	w.	w.	PROPN
fsr-3191	551	10	,	,	PUNCT
fsr-3191	551	11	&	&	CCONJ
fsr-3191	551	12	stein	stein	PROPN
fsr-3191	551	13	,	,	PUNCT
fsr-3191	551	14	n.	n.	PROPN
fsr-3191	551	15	p.	p.	PROPN
fsr-3191	551	16	(	(	PUNCT
fsr-3191	551	17	2016	2016	NUM
fsr-3191	551	18	)	)	PUNCT
fsr-3191	551	19	.	.	PUNCT
fsr-3191	552	1	financial	financial	ADJ
fsr-3191	552	2	illiteracy	illiteracy	NOUN
fsr-3191	552	3	meets	meet	VERB
fsr-3191	552	4	conflicted	conflicted	ADJ
fsr-3191	552	5	advice	advice	NOUN
fsr-3191	552	6	:	:	PUNCT
fsr-3191	552	7	the	the	DET
fsr-3191	552	8	case	case	NOUN
fsr-3191	552	9	of	of	ADP
fsr-3191	552	10	thrift	thrift	NOUN
fsr-3191	552	11	savings	saving	NOUN
fsr-3191	552	12	plan	plan	NOUN
fsr-3191	552	13	rollovers	rollover	NOUN
fsr-3191	552	14	.	.	PUNCT
fsr-3191	553	1	the	the	DET
fsr-3191	553	2	journal	journal	NOUN
fsr-3191	553	3	of	of	ADP
fsr-3191	553	4	retirement	retirement	NOUN
fsr-3191	553	5	,	,	PUNCT
fsr-3191	553	6	3	3	NUM
fsr-3191	553	7	,	,	PUNCT
fsr-3191	553	8	47–65	47–65	NUM
fsr-3191	553	9	.	.	PUNCT
fsr-3191	553	10	https://doi.org/10.3905/jor.2016.3.4.047	https://doi.org/10.3905/jor.2016.3.4.047	NOUN
fsr-3191	553	11	turner	turner	PROPN
fsr-3191	553	12	,	,	PUNCT
fsr-3191	553	13	j.	j.	PROPN
fsr-3191	553	14	a.	a.	PROPN
fsr-3191	553	15	,	,	PUNCT
fsr-3191	553	16	&	&	CCONJ
fsr-3191	553	17	korczyk	korczyk	PROPN
fsr-3191	553	18	,	,	PUNCT
fsr-3191	553	19	s.	s.	PROPN
fsr-3191	553	20	(	(	PUNCT
fsr-3191	553	21	2004	2004	NUM
fsr-3191	553	22	)	)	PUNCT
fsr-3191	553	23	.	.	PUNCT
fsr-3191	554	1	pension	pension	NOUN
fsr-3191	554	2	participant	participant	ADJ
fsr-3191	554	3	knowledge	knowledge	NOUN
fsr-3191	554	4	about	about	ADP
fsr-3191	554	5	plan	plan	NOUN
fsr-3191	554	6	fees	fee	NOUN
fsr-3191	554	7	.	.	PUNCT
fsr-3191	555	1	washington	washington	PROPN
fsr-3191	555	2	,	,	PUNCT
fsr-3191	555	3	dc	dc	PROPN
fsr-3191	555	4	:	:	PUNCT
fsr-3191	555	5	aarp	aarp	PROPN
fsr-3191	555	6	data	datum	NOUN
fsr-3191	555	7	digest	digest	PROPN
fsr-3191	555	8	.	.	PUNCT
fsr-3191	556	1	available	available	ADJ
fsr-3191	556	2	at	at	ADP
fsr-3191	556	3	http://assets.aarp.org/rgcenter/post-import/dd105_fees.pdf	http://assets.aarp.org/rgcenter/post-import/dd105_fees.pdf	PROPN
fsr-3191	556	4	vanguard	vanguard	PROPN
fsr-3191	556	5	.	.	PUNCT
fsr-3191	557	1	(	(	PUNCT
fsr-3191	557	2	2021a	2021a	NUM
fsr-3191	557	3	)	)	PUNCT
fsr-3191	557	4	.	.	PUNCT
fsr-3191	558	1	the	the	DET
fsr-3191	558	2	brokerage	brokerage	NOUN
fsr-3191	558	3	option	option	NOUN
fsr-3191	558	4	in	in	ADP
fsr-3191	558	5	dc	dc	PROPN
fsr-3191	558	6	plans	plan	NOUN
fsr-3191	558	7	.	.	PUNCT
fsr-3191	559	1	available	available	ADJ
fsr-3191	559	2	at	at	ADP
fsr-3191	559	3	https://institutional.vanguard.com/iam/pdf/	https://institutional.vanguard.com/iam/pdf/	NOUN
fsr-3191	559	4	cirbop_052021.pdf	cirbop_052021.pdf	PROPN
fsr-3191	559	5	vanguard	vanguard	NOUN
fsr-3191	559	6	.	.	PUNCT
fsr-3191	560	1	(	(	PUNCT
fsr-3191	560	2	2021b	2021b	NUM
fsr-3191	560	3	)	)	PUNCT
fsr-3191	560	4	.	.	PUNCT
fsr-3191	561	1	how	how	SCONJ
fsr-3191	561	2	america	america	PROPN
fsr-3191	561	3	saves	save	VERB
fsr-3191	561	4	2021	2021	NUM
fsr-3191	561	5	.	.	PUNCT
fsr-3191	562	1	available	available	ADJ
fsr-3191	562	2	at	at	ADP
fsr-3191	562	3	https://institutional.vanguard.com/content/dam/inst/	https://institutional.vanguard.com/content/dam/inst/	PROPN
fsr-3191	562	4	vanguard	vanguard	NOUN
fsr-3191	562	5	-	-	PUNCT
fsr-3191	562	6	has	have	VERB
fsr-3191	562	7	/	/	SYM
fsr-3191	562	8	insightspdfs/21_cir_has21_has_fsreport.pdf	insightspdfs/21_cir_has21_has_fsreport.pdf	PROPN
fsr-3191	562	9	vanguard	vanguard	NOUN
fsr-3191	562	10	.	.	PUNCT
fsr-3191	563	1	(	(	PUNCT
fsr-3191	563	2	2022	2022	NUM
fsr-3191	563	3	)	)	PUNCT
fsr-3191	563	4	.	.	PUNCT
fsr-3191	564	1	vanguard	vanguard	PROPN
fsr-3191	564	2	digital	digital	PROPN
fsr-3191	564	3	advisor	advisor	PROPN
fsr-3191	564	4	.	.	PROPN
fsr-3191	564	5	available	available	ADJ
fsr-3191	564	6	at	at	ADP
fsr-3191	564	7	https://investor.vanguard.com/advice/digital-advisor	https://investor.vanguard.com/advice/digital-advisor	NOUN
fsr-3191	564	8	vanguard	vanguard	PROPN
fsr-3191	564	9	personal	personal	PROPN
fsr-3191	564	10	advisor	advisor	PROPN
fsr-3191	564	11	.	.	PUNCT
fsr-3191	565	1	(	(	PUNCT
fsr-3191	565	2	2022	2022	NUM
fsr-3191	565	3	)	)	PUNCT
fsr-3191	565	4	.	.	PUNCT
fsr-3191	566	1	finally	finally	ADV
fsr-3191	566	2	.	.	PUNCT
fsr-3191	567	1	financial	financial	ADJ
fsr-3191	567	2	advice	advice	NOUN
fsr-3191	567	3	powered	power	VERB
fsr-3191	567	4	by	by	ADP
fsr-3191	567	5	relationships	relationship	NOUN
fsr-3191	567	6	,	,	PUNCT
fsr-3191	567	7	not	not	PART
fsr-3191	567	8	commissions	commission	NOUN
fsr-3191	567	9	.	.	PUNCT
fsr-3191	568	1	available	available	ADJ
fsr-3191	568	2	at	at	ADP
fsr-3191	568	3	https://investor.vanguard.com/advice/financial-advisor	https://investor.vanguard.com/advice/financial-advisor	PROPN
fsr-3191	568	4	o.	o.	PROPN
fsr-3191	568	5	s.	s.	PROPN
fsr-3191	568	6	mitchell	mitchell	PROPN
fsr-3191	568	7	et	et	PROPN
fsr-3191	568	8	al	al	PROPN
fsr-3191	568	9	.	.	PUNCT
fsr-3191	568	10	/	/	SYM
fsr-3191	568	11	financial	financial	ADJ
fsr-3191	568	12	services	service	NOUN
fsr-3191	568	13	review	review	VERB
fsr-3191	568	14	31	31	NUM
fsr-3191	568	15	(	(	PUNCT
fsr-3191	568	16	2023	2023	NUM
fsr-3191	568	17	)	)	PUNCT
fsr-3191	568	18	1–21	1–21	PROPN
fsr-3191	568	19	21	21	NUM