id	sid	tid	token	lemma	pos
fsr-3321	1	1	does	do	AUX
fsr-3321	1	2	the	the	DET
fsr-3321	1	3	source	source	NOUN
fsr-3321	1	4	of	of	ADP
fsr-3321	1	5	money	money	NOUN
fsr-3321	1	6	determine	determine	VERB
fsr-3321	1	7	retirement	retirement	NOUN
fsr-3321	1	8	investment	investment	NOUN
fsr-3321	1	9	choices	choice	NOUN
fsr-3321	1	10	?	?	PUNCT
fsr-3321	2	1	andrea	andrea	PROPN
fsr-3321	2	2	anthonya	anthonya	PROPN
fsr-3321	2	3	,	,	PUNCT
fsr-3321	2	4	kristine	kristine	PROPN
fsr-3321	2	5	beckb	beckb	PROPN
fsr-3321	2	6	,	,	PUNCT
fsr-3321	2	7	inga	inga	PROPN
fsr-3321	2	8	chirac	chirac	PROPN
fsr-3321	2	9	,	,	PUNCT
fsr-3321	2	10	*	*	PUNCT
fsr-3321	2	11	agolden	agolden	PROPN
fsr-3321	2	12	gate	gate	PROPN
fsr-3321	2	13	university	university	PROPN
fsr-3321	2	14	,	,	PUNCT
fsr-3321	2	15	536	536	NUM
fsr-3321	2	16	mission	mission	NOUN
fsr-3321	2	17	st	st	PROPN
fsr-3321	2	18	,	,	PUNCT
fsr-3321	2	19	san	san	PROPN
fsr-3321	2	20	francisco	francisco	PROPN
fsr-3321	2	21	,	,	PUNCT
fsr-3321	2	22	ca	ca	PROPN
fsr-3321	2	23	94105	94105	NUM
fsr-3321	2	24	bcalifornia	bcalifornia	PROPN
fsr-3321	2	25	state	state	PROPN
fsr-3321	2	26	university	university	PROPN
fsr-3321	2	27	northridge	northridge	NOUN
fsr-3321	2	28	,	,	PUNCT
fsr-3321	2	29	18111	18111	NUM
fsr-3321	2	30	nordhoff	nordhoff	PROPN
fsr-3321	2	31	st	st	PROPN
fsr-3321	2	32	,	,	PUNCT
fsr-3321	2	33	northridge	northridge	PROPN
fsr-3321	2	34	,	,	PUNCT
fsr-3321	2	35	ca	ca	PROPN
fsr-3321	2	36	91330	91330	NUM
fsr-3321	2	37	ccalifornia	ccalifornia	PROPN
fsr-3321	2	38	state	state	PROPN
fsr-3321	2	39	university	university	PROPN
fsr-3321	2	40	northridge	northridge	NOUN
fsr-3321	2	41	,	,	PUNCT
fsr-3321	2	42	18111	18111	NUM
fsr-3321	2	43	nordhoff	nordhoff	PROPN
fsr-3321	2	44	st	st	PROPN
fsr-3321	2	45	,	,	PUNCT
fsr-3321	2	46	northridge	northridge	PROPN
fsr-3321	2	47	,	,	PUNCT
fsr-3321	2	48	ca	ca	PROPN
fsr-3321	2	49	91330	91330	NUM
fsr-3321	2	50	abstract	abstract	NOUN
fsr-3321	2	51	using	use	VERB
fsr-3321	2	52	a	a	DET
fsr-3321	2	53	unique	unique	ADJ
fsr-3321	2	54	dataset	dataset	NOUN
fsr-3321	2	55	of	of	ADP
fsr-3321	2	56	actual	actual	ADJ
fsr-3321	2	57	investment	investment	NOUN
fsr-3321	2	58	choices	choice	NOUN
fsr-3321	2	59	of	of	ADP
fsr-3321	2	60	oregon	oregon	PROPN
fsr-3321	2	61	state	state	PROPN
fsr-3321	2	62	university	university	NOUN
fsr-3321	2	63	employees	employee	NOUN
fsr-3321	2	64	,	,	PUNCT
fsr-3321	2	65	we	we	PRON
fsr-3321	2	66	investigate	investigate	VERB
fsr-3321	2	67	how	how	SCONJ
fsr-3321	2	68	investment	investment	NOUN
fsr-3321	2	69	choices	choice	NOUN
fsr-3321	2	70	differ	differ	VERB
fsr-3321	2	71	among	among	ADP
fsr-3321	2	72	(	(	PUNCT
fsr-3321	2	73	1	1	X
fsr-3321	2	74	)	)	PUNCT
fsr-3321	2	75	the	the	DET
fsr-3321	2	76	optional	optional	ADJ
fsr-3321	2	77	retirement	retirement	NOUN
fsr-3321	2	78	plan	plan	NOUN
fsr-3321	2	79	(	(	PUNCT
fsr-3321	2	80	orp	orp	PROPN
fsr-3321	2	81	)	)	PUNCT
fsr-3321	2	82	funded	fund	VERB
fsr-3321	2	83	by	by	ADP
fsr-3321	2	84	the	the	DET
fsr-3321	2	85	employer	employer	NOUN
fsr-3321	2	86	and	and	CCONJ
fsr-3321	2	87	(	(	PUNCT
fsr-3321	2	88	2	2	X
fsr-3321	2	89	)	)	PUNCT
fsr-3321	2	90	the	the	DET
fsr-3321	2	91	investments	investment	NOUN
fsr-3321	2	92	in	in	ADP
fsr-3321	2	93	403(b	403(b	PROPN
fsr-3321	2	94	)	)	PUNCT
fsr-3321	2	95	accounts	account	NOUN
fsr-3321	2	96	funded	fund	VERB
fsr-3321	2	97	by	by	ADP
fsr-3321	2	98	employees	employee	NOUN
fsr-3321	2	99	themselves	themselves	PRON
fsr-3321	2	100	using	use	VERB
fsr-3321	2	101	voluntary	voluntary	ADJ
fsr-3321	2	102	salary	salary	NOUN
fsr-3321	2	103	reduction	reduction	NOUN
fsr-3321	2	104	.	.	PUNCT
fsr-3321	3	1	we	we	PRON
fsr-3321	3	2	find	find	VERB
fsr-3321	3	3	that	that	SCONJ
fsr-3321	3	4	the	the	DET
fsr-3321	3	5	level	level	NOUN
fsr-3321	3	6	of	of	ADP
fsr-3321	3	7	risk	risk	NOUN
fsr-3321	3	8	associated	associate	VERB
fsr-3321	3	9	with	with	ADP
fsr-3321	3	10	voluntary	voluntary	ADJ
fsr-3321	3	11	,	,	PUNCT
fsr-3321	3	12	salary	salary	NOUN
fsr-3321	3	13	reduction	reduction	NOUN
fsr-3321	3	14	investments	investment	NOUN
fsr-3321	3	15	in	in	ADP
fsr-3321	3	16	403(b	403(b	PROPN
fsr-3321	3	17	)	)	PUNCT
fsr-3321	3	18	accounts	account	NOUN
fsr-3321	3	19	is	be	AUX
fsr-3321	3	20	lower	low	ADJ
fsr-3321	3	21	than	than	ADP
fsr-3321	3	22	the	the	DET
fsr-3321	3	23	risk	risk	NOUN
fsr-3321	3	24	these	these	DET
fsr-3321	3	25	same	same	ADJ
fsr-3321	3	26	employees	employee	NOUN
fsr-3321	3	27	are	be	AUX
fsr-3321	3	28	currently	currently	ADV
fsr-3321	3	29	taking	take	VERB
fsr-3321	3	30	in	in	ADP
fsr-3321	3	31	their	their	PRON
fsr-3321	3	32	employer	employer	NOUN
fsr-3321	3	33	funded	fund	VERB
fsr-3321	3	34	401(a	401(a	PROPN
fsr-3321	3	35	)	)	PUNCT
fsr-3321	3	36	accounts	account	NOUN
fsr-3321	3	37	.	.	PUNCT
fsr-3321	4	1	we	we	PRON
fsr-3321	4	2	also	also	ADV
fsr-3321	4	3	investigate	investigate	VERB
fsr-3321	4	4	whether	whether	SCONJ
fsr-3321	4	5	the	the	DET
fsr-3321	4	6	choice	choice	NOUN
fsr-3321	4	7	of	of	ADP
fsr-3321	4	8	the	the	DET
fsr-3321	4	9	provider	provider	NOUN
fsr-3321	4	10	has	have	VERB
fsr-3321	4	11	a	a	DET
fsr-3321	4	12	significant	significant	ADJ
fsr-3321	4	13	impact	impact	NOUN
fsr-3321	4	14	on	on	ADP
fsr-3321	4	15	the	the	DET
fsr-3321	4	16	asset	asset	NOUN
fsr-3321	4	17	allocation	allocation	NOUN
fsr-3321	4	18	chosen	choose	VERB
fsr-3321	4	19	by	by	ADP
fsr-3321	4	20	the	the	DET
fsr-3321	4	21	employees	employee	NOUN
fsr-3321	4	22	and	and	CCONJ
fsr-3321	4	23	find	find	VERB
fsr-3321	4	24	that	that	SCONJ
fsr-3321	4	25	participant	participant	ADJ
fsr-3321	4	26	investment	investment	NOUN
fsr-3321	4	27	choices	choice	NOUN
fsr-3321	4	28	in	in	ADP
fsr-3321	4	29	fidelity	fidelity	NOUN
fsr-3321	4	30	are	be	AUX
fsr-3321	4	31	riskier	risky	ADJ
fsr-3321	4	32	than	than	ADP
fsr-3321	4	33	the	the	DET
fsr-3321	4	34	choices	choice	NOUN
fsr-3321	4	35	made	make	VERB
fsr-3321	4	36	by	by	ADP
fsr-3321	4	37	those	those	PRON
fsr-3321	4	38	in	in	ADP
fsr-3321	4	39	tiaa	tiaa	NOUN
fsr-3321	4	40	-	-	PUNCT
fsr-3321	4	41	cref	cref	NOUN
fsr-3321	4	42	.	.	PUNCT
fsr-3321	5	1	©	©	PROPN
fsr-3321	5	2	2017	2017	NUM
fsr-3321	5	3	academy	academy	NOUN
fsr-3321	5	4	of	of	ADP
fsr-3321	5	5	financial	financial	ADJ
fsr-3321	5	6	services	service	NOUN
fsr-3321	5	7	.	.	PUNCT
fsr-3321	6	1	all	all	DET
fsr-3321	6	2	rights	right	NOUN
fsr-3321	6	3	reserved	reserve	VERB
fsr-3321	6	4	.	.	PUNCT
fsr-3321	7	1	jel	jel	PROPN
fsr-3321	7	2	classification	classification	NOUN
fsr-3321	7	3	:	:	PUNCT
fsr-3321	7	4	d14	d14	ADJ
fsr-3321	7	5	;	;	PUNCT
fsr-3321	7	6	g41	g41	NOUN
fsr-3321	7	7	keywords	keyword	NOUN
fsr-3321	7	8	:	:	PUNCT
fsr-3321	7	9	403(b	403(b	NUM
fsr-3321	7	10	)	)	PUNCT
fsr-3321	7	11	;	;	PUNCT
fsr-3321	7	12	investment	investment	NOUN
fsr-3321	7	13	choices	choice	NOUN
fsr-3321	7	14	;	;	PUNCT
fsr-3321	7	15	highly	highly	ADV
fsr-3321	7	16	educated	educate	VERB
fsr-3321	7	17	individuals	individual	NOUN
fsr-3321	7	18	;	;	PUNCT
fsr-3321	7	19	investment	investment	NOUN
fsr-3321	7	20	risk	risk	NOUN
fsr-3321	7	21	1	1	NUM
fsr-3321	7	22	.	.	PUNCT
fsr-3321	7	23	introduction	introduction	NOUN
fsr-3321	7	24	according	accord	VERB
fsr-3321	7	25	to	to	ADP
fsr-3321	7	26	starr	starr	PROPN
fsr-3321	7	27	(	(	PUNCT
fsr-3321	7	28	2010	2010	NUM
fsr-3321	7	29	)	)	PUNCT
fsr-3321	7	30	,	,	PUNCT
fsr-3321	7	31	403(b	403(b	PROPN
fsr-3321	7	32	)	)	PUNCT
fsr-3321	7	33	plans	plan	NOUN
fsr-3321	7	34	,	,	PUNCT
fsr-3321	7	35	on	on	ADP
fsr-3321	7	36	which	which	PRON
fsr-3321	7	37	the	the	DET
fsr-3321	7	38	non	non	ADJ
fsr-3321	7	39	-	-	NOUN
fsr-3321	7	40	profit	profit	ADJ
fsr-3321	7	41	and	and	CCONJ
fsr-3321	7	42	public	public	ADJ
fsr-3321	7	43	sectors	sector	NOUN
fsr-3321	7	44	rely	rely	VERB
fsr-3321	7	45	,	,	PUNCT
fsr-3321	7	46	have	have	AUX
fsr-3321	7	47	not	not	PART
fsr-3321	7	48	been	be	AUX
fsr-3321	7	49	studied	study	VERB
fsr-3321	7	50	as	as	ADV
fsr-3321	7	51	thoroughly	thoroughly	ADV
fsr-3321	7	52	as	as	ADP
fsr-3321	7	53	401(k	401(k	NOUN
fsr-3321	7	54	)	)	PUNCT
fsr-3321	7	55	plans	plan	NOUN
fsr-3321	7	56	.	.	PUNCT
fsr-3321	8	1	in	in	ADP
fsr-3321	8	2	this	this	DET
fsr-3321	8	3	article	article	NOUN
fsr-3321	8	4	we	we	PRON
fsr-3321	8	5	explore	explore	VERB
fsr-3321	8	6	the	the	DET
fsr-3321	8	7	choices	choice	NOUN
fsr-3321	8	8	and	and	CCONJ
fsr-3321	8	9	asset	asset	NOUN
fsr-3321	8	10	allocation	allocation	NOUN
fsr-3321	8	11	decisions	decision	NOUN
fsr-3321	8	12	within	within	ADP
fsr-3321	8	13	the	the	DET
fsr-3321	8	14	public	public	ADJ
fsr-3321	8	15	sector	sector	NOUN
fsr-3321	8	16	and	and	CCONJ
fsr-3321	8	17	focus	focus	VERB
fsr-3321	8	18	on	on	ADP
fsr-3321	8	19	the	the	DET
fsr-3321	8	20	defined	define	VERB
fsr-3321	8	21	contribution	contribution	NOUN
fsr-3321	8	22	investment	investment	NOUN
fsr-3321	8	23	choices	choice	NOUN
fsr-3321	8	24	available	available	ADJ
fsr-3321	8	25	to	to	ADP
fsr-3321	8	26	university	university	NOUN
fsr-3321	8	27	employees	employee	NOUN
fsr-3321	8	28	.	.	PUNCT
fsr-3321	9	1	we	we	PRON
fsr-3321	9	2	consider	consider	VERB
fsr-3321	9	3	employee	employee	NOUN
fsr-3321	9	4	decisions	decision	NOUN
fsr-3321	9	5	for	for	ADP
fsr-3321	9	6	two	two	NUM
fsr-3321	9	7	types	type	NOUN
fsr-3321	9	8	of	of	ADP
fsr-3321	9	9	accounts	account	NOUN
fsr-3321	9	10	:	:	PUNCT
fsr-3321	9	11	(	(	PUNCT
fsr-3321	9	12	1	1	X
fsr-3321	9	13	)	)	PUNCT
fsr-3321	9	14	the	the	DET
fsr-3321	9	15	optional	optional	ADJ
fsr-3321	9	16	retirement	retirement	NOUN
fsr-3321	9	17	plan	plan	NOUN
fsr-3321	9	18	(	(	PUNCT
fsr-3321	9	19	orp	orp	PROPN
fsr-3321	9	20	)	)	PUNCT
fsr-3321	9	21	,	,	PUNCT
fsr-3321	9	22	which	which	PRON
fsr-3321	9	23	is	be	AUX
fsr-3321	9	24	an	an	DET
fsr-3321	9	25	alternative	alternative	NOUN
fsr-3321	9	26	to	to	ADP
fsr-3321	9	27	the	the	DET
fsr-3321	9	28	*	*	PUNCT
fsr-3321	9	29	corresponding	correspond	VERB
fsr-3321	9	30	author	author	NOUN
fsr-3321	9	31	.	.	PUNCT
fsr-3321	10	1	tel	tel	PROPN
fsr-3321	10	2	.	.	PUNCT
fsr-3321	10	3	:	:	PUNCT
fsr-3321	11	1	�	�	PROPN
fsr-3321	11	2	1	1	NUM
fsr-3321	11	3	-	-	PUNCT
fsr-3321	11	4	818	818	NUM
fsr-3321	11	5	-	-	PUNCT
fsr-3321	11	6	677	677	NUM
fsr-3321	11	7	-	-	SYM
fsr-3321	11	8	4615	4615	NUM
fsr-3321	11	9	;	;	PUNCT
fsr-3321	11	10	fax	fax	NOUN
fsr-3321	11	11	:	:	PUNCT
fsr-3321	11	12	�	�	PROPN
fsr-3321	11	13	1	1	NUM
fsr-3321	11	14	-	-	PUNCT
fsr-3321	11	15	818	818	NUM
fsr-3321	11	16	-	-	PUNCT
fsr-3321	11	17	677	677	NUM
fsr-3321	11	18	-	-	SYM
fsr-3321	11	19	6079	6079	NUM
fsr-3321	11	20	.	.	PUNCT
fsr-3321	12	1	e	e	X
fsr-3321	12	2	-	-	NOUN
fsr-3321	12	3	mail	mail	NOUN
fsr-3321	12	4	address	address	NOUN
fsr-3321	12	5	:	:	PUNCT
fsr-3321	12	6	inga.chira@csun.edu	inga.chira@csun.edu	PROPN
fsr-3321	12	7	(	(	PUNCT
fsr-3321	12	8	i.	i.	PROPN
fsr-3321	12	9	chira	chira	PROPN
fsr-3321	12	10	)	)	PUNCT
fsr-3321	12	11	financial	financial	ADJ
fsr-3321	12	12	services	service	NOUN
fsr-3321	12	13	review	review	VERB
fsr-3321	12	14	26	26	NUM
fsr-3321	12	15	(	(	PUNCT
fsr-3321	12	16	2017	2017	NUM
fsr-3321	12	17	)	)	PUNCT
fsr-3321	12	18	241–254	241–254	NUM
fsr-3321	12	19	1057	1057	NUM
fsr-3321	12	20	-	-	SYM
fsr-3321	12	21	0810/17/$	0810/17/$	NUM
fsr-3321	12	22	–	–	PUNCT
fsr-3321	12	23	see	see	VERB
fsr-3321	12	24	front	front	ADJ
fsr-3321	12	25	matter	matter	NOUN
fsr-3321	12	26	©	©	PROPN
fsr-3321	12	27	2017	2017	NUM
fsr-3321	12	28	academy	academy	NOUN
fsr-3321	12	29	of	of	ADP
fsr-3321	12	30	financial	financial	ADJ
fsr-3321	12	31	services	service	NOUN
fsr-3321	12	32	.	.	PUNCT
fsr-3321	13	1	all	all	DET
fsr-3321	13	2	rights	right	NOUN
fsr-3321	13	3	reserved	reserve	VERB
fsr-3321	13	4	.	.	PUNCT
fsr-3321	14	1	traditional	traditional	ADJ
fsr-3321	14	2	defined	define	VERB
fsr-3321	14	3	benefit	benefit	NOUN
fsr-3321	14	4	pension	pension	NOUN
fsr-3321	14	5	,	,	PUNCT
fsr-3321	14	6	and	and	CCONJ
fsr-3321	14	7	(	(	PUNCT
fsr-3321	14	8	2	2	X
fsr-3321	14	9	)	)	PUNCT
fsr-3321	14	10	voluntary	voluntary	ADJ
fsr-3321	14	11	investments	investment	NOUN
fsr-3321	14	12	in	in	ADP
fsr-3321	14	13	403(b	403(b	PROPN
fsr-3321	14	14	)	)	PUNCT
fsr-3321	14	15	accounts	account	NOUN
fsr-3321	14	16	.	.	PUNCT
fsr-3321	15	1	unlike	unlike	ADP
fsr-3321	15	2	many	many	ADJ
fsr-3321	15	3	of	of	ADP
fsr-3321	15	4	the	the	DET
fsr-3321	15	5	studies	study	NOUN
fsr-3321	15	6	that	that	PRON
fsr-3321	15	7	analyze	analyze	VERB
fsr-3321	15	8	the	the	DET
fsr-3321	15	9	401(k	401(k	PROPN
fsr-3321	15	10	)	)	PUNCT
fsr-3321	15	11	space	space	NOUN
fsr-3321	15	12	,	,	PUNCT
fsr-3321	15	13	the	the	DET
fsr-3321	15	14	employees	employee	NOUN
fsr-3321	15	15	in	in	ADP
fsr-3321	15	16	our	our	PRON
fsr-3321	15	17	sample	sample	NOUN
fsr-3321	15	18	are	be	AUX
fsr-3321	15	19	highly	highly	ADV
fsr-3321	15	20	educated	educate	VERB
fsr-3321	15	21	and	and	CCONJ
fsr-3321	15	22	,	,	PUNCT
fsr-3321	15	23	in	in	ADP
fsr-3321	15	24	aggregate	aggregate	ADJ
fsr-3321	15	25	,	,	PUNCT
fsr-3321	15	26	wealthier	wealthy	ADJ
fsr-3321	15	27	than	than	ADP
fsr-3321	15	28	the	the	DET
fsr-3321	15	29	national	national	ADJ
fsr-3321	15	30	average	average	NOUN
fsr-3321	15	31	.	.	PUNCT
fsr-3321	16	1	these	these	DET
fsr-3321	16	2	individuals	individual	NOUN
fsr-3321	16	3	have	have	AUX
fsr-3321	16	4	been	be	AUX
fsr-3321	16	5	shown	show	VERB
fsr-3321	16	6	to	to	PART
fsr-3321	16	7	take	take	VERB
fsr-3321	16	8	an	an	DET
fsr-3321	16	9	active	active	ADJ
fsr-3321	16	10	role	role	NOUN
fsr-3321	16	11	in	in	ADP
fsr-3321	16	12	their	their	PRON
fsr-3321	16	13	retirement	retirement	NOUN
fsr-3321	16	14	planning.1	planning.1	PROPN
fsr-3321	16	15	our	our	PRON
fsr-3321	16	16	goal	goal	NOUN
fsr-3321	16	17	in	in	ADP
fsr-3321	16	18	this	this	DET
fsr-3321	16	19	study	study	NOUN
fsr-3321	16	20	is	be	AUX
fsr-3321	16	21	to	to	PART
fsr-3321	16	22	explore	explore	VERB
fsr-3321	16	23	the	the	DET
fsr-3321	16	24	investment	investment	NOUN
fsr-3321	16	25	decisions	decision	NOUN
fsr-3321	16	26	public	public	ADJ
fsr-3321	16	27	employees	employee	NOUN
fsr-3321	16	28	choose	choose	VERB
fsr-3321	16	29	to	to	PART
fsr-3321	16	30	make	make	VERB
fsr-3321	16	31	and	and	CCONJ
fsr-3321	16	32	whether	whether	SCONJ
fsr-3321	16	33	those	those	DET
fsr-3321	16	34	investment	investment	NOUN
fsr-3321	16	35	choices	choice	NOUN
fsr-3321	16	36	differ	differ	VERB
fsr-3321	16	37	based	base	VERB
fsr-3321	16	38	on	on	ADP
fsr-3321	16	39	the	the	DET
fsr-3321	16	40	source	source	NOUN
fsr-3321	16	41	of	of	ADP
fsr-3321	16	42	money	money	NOUN
fsr-3321	16	43	being	be	AUX
fsr-3321	16	44	invested	invest	VERB
fsr-3321	16	45	and	and	CCONJ
fsr-3321	16	46	the	the	DET
fsr-3321	16	47	provider	provider	NOUN
fsr-3321	16	48	chosen	choose	VERB
fsr-3321	16	49	.	.	PUNCT
fsr-3321	17	1	although	although	SCONJ
fsr-3321	17	2	403(b	403(b	NOUN
fsr-3321	17	3	)	)	PUNCT
fsr-3321	17	4	accounts	account	NOUN
fsr-3321	17	5	are	be	AUX
fsr-3321	17	6	studied	study	VERB
fsr-3321	17	7	less	less	ADV
fsr-3321	17	8	frequently	frequently	ADV
fsr-3321	17	9	than	than	ADP
fsr-3321	17	10	401(k	401(k	NOUN
fsr-3321	17	11	)	)	PUNCT
fsr-3321	17	12	accounts	account	NOUN
fsr-3321	17	13	,	,	PUNCT
fsr-3321	17	14	there	there	PRON
fsr-3321	17	15	are	be	VERB
fsr-3321	17	16	a	a	DET
fsr-3321	17	17	number	number	NOUN
fsr-3321	17	18	of	of	ADP
fsr-3321	17	19	studies	study	NOUN
fsr-3321	17	20	that	that	PRON
fsr-3321	17	21	explore	explore	VERB
fsr-3321	17	22	how	how	SCONJ
fsr-3321	17	23	university	university	NOUN
fsr-3321	17	24	employees	employee	NOUN
fsr-3321	17	25	make	make	VERB
fsr-3321	17	26	investment	investment	NOUN
fsr-3321	17	27	and	and	CCONJ
fsr-3321	17	28	savings	saving	NOUN
fsr-3321	17	29	decisions	decision	NOUN
fsr-3321	17	30	.	.	PUNCT
fsr-3321	18	1	unlike	unlike	ADP
fsr-3321	18	2	the	the	DET
fsr-3321	18	3	previous	previous	ADJ
fsr-3321	18	4	studies	study	NOUN
fsr-3321	18	5	that	that	PRON
fsr-3321	18	6	focus	focus	VERB
fsr-3321	18	7	on	on	ADP
fsr-3321	18	8	the	the	DET
fsr-3321	18	9	characteristics	characteristic	NOUN
fsr-3321	18	10	of	of	ADP
fsr-3321	18	11	the	the	DET
fsr-3321	18	12	employees	employee	NOUN
fsr-3321	18	13	and	and	CCONJ
fsr-3321	18	14	the	the	DET
fsr-3321	18	15	impact	impact	NOUN
fsr-3321	18	16	of	of	ADP
fsr-3321	18	17	those	those	DET
fsr-3321	18	18	characteristics	characteristic	NOUN
fsr-3321	18	19	on	on	ADP
fsr-3321	18	20	the	the	DET
fsr-3321	18	21	saving	saving	NOUN
fsr-3321	18	22	decision	decision	NOUN
fsr-3321	18	23	,	,	PUNCT
fsr-3321	18	24	our	our	PRON
fsr-3321	18	25	goal	goal	NOUN
fsr-3321	18	26	is	be	AUX
fsr-3321	18	27	to	to	PART
fsr-3321	18	28	investigate	investigate	VERB
fsr-3321	18	29	the	the	DET
fsr-3321	18	30	differences	difference	NOUN
fsr-3321	18	31	between	between	ADP
fsr-3321	18	32	investment	investment	NOUN
fsr-3321	18	33	behaviors	behavior	NOUN
fsr-3321	18	34	based	base	VERB
fsr-3321	18	35	on	on	ADP
fsr-3321	18	36	the	the	DET
fsr-3321	18	37	source	source	NOUN
fsr-3321	18	38	of	of	ADP
fsr-3321	18	39	the	the	DET
fsr-3321	18	40	money	money	NOUN
fsr-3321	18	41	being	be	AUX
fsr-3321	18	42	invested	invest	VERB
fsr-3321	18	43	.	.	PUNCT
fsr-3321	19	1	we	we	PRON
fsr-3321	19	2	examine	examine	VERB
fsr-3321	19	3	whether	whether	SCONJ
fsr-3321	19	4	individuals	individual	NOUN
fsr-3321	19	5	treat	treat	VERB
fsr-3321	19	6	“	"	PUNCT
fsr-3321	19	7	free	free	ADJ
fsr-3321	19	8	money	money	NOUN
fsr-3321	19	9	”	"	PUNCT
fsr-3321	19	10	differently	differently	ADV
fsr-3321	19	11	from	from	ADP
fsr-3321	19	12	“	"	PUNCT
fsr-3321	19	13	earned	earn	VERB
fsr-3321	19	14	”	"	PUNCT
fsr-3321	19	15	money	money	NOUN
fsr-3321	19	16	in	in	ADP
fsr-3321	19	17	terms	term	NOUN
fsr-3321	19	18	of	of	ADP
fsr-3321	19	19	risk	risk	NOUN
fsr-3321	19	20	and	and	CCONJ
fsr-3321	19	21	vendor	vendor	NOUN
fsr-3321	19	22	choice	choice	NOUN
fsr-3321	19	23	.	.	PUNCT
fsr-3321	20	1	angus	angus	PROPN
fsr-3321	20	2	,	,	PUNCT
fsr-3321	20	3	brown	brown	PROPN
fsr-3321	20	4	,	,	PUNCT
fsr-3321	20	5	kihom	kihom	PROPN
fsr-3321	20	6	smith	smith	PROPN
fsr-3321	20	7	,	,	PUNCT
fsr-3321	20	8	and	and	CCONJ
fsr-3321	20	9	smith	smith	PROPN
fsr-3321	20	10	(	(	PUNCT
fsr-3321	20	11	2008	2008	NUM
fsr-3321	20	12	)	)	PUNCT
fsr-3321	20	13	explore	explore	VERB
fsr-3321	20	14	the	the	DET
fsr-3321	20	15	investment	investment	NOUN
fsr-3321	20	16	options	option	NOUN
fsr-3321	20	17	universities	university	NOUN
fsr-3321	20	18	offer	offer	VERB
fsr-3321	20	19	their	their	PRON
fsr-3321	20	20	employees	employee	NOUN
fsr-3321	20	21	though	though	SCONJ
fsr-3321	20	22	tiaa	tiaa	NOUN
fsr-3321	20	23	-	-	PUNCT
fsr-3321	20	24	cref	cref	NOUN
fsr-3321	20	25	.	.	PUNCT
fsr-3321	21	1	they	they	PRON
fsr-3321	21	2	conclude	conclude	VERB
fsr-3321	21	3	that	that	SCONJ
fsr-3321	21	4	the	the	DET
fsr-3321	21	5	limited	limited	ADJ
fsr-3321	21	6	investment	investment	NOUN
fsr-3321	21	7	options	option	NOUN
fsr-3321	21	8	result	result	VERB
fsr-3321	21	9	in	in	ADP
fsr-3321	21	10	reducing	reduce	VERB
fsr-3321	21	11	the	the	DET
fsr-3321	21	12	risk	risk	NOUN
fsr-3321	21	13	-	-	PUNCT
fsr-3321	21	14	taking	taking	NOUN
fsr-3321	21	15	of	of	ADP
fsr-3321	21	16	the	the	DET
fsr-3321	21	17	employees	employee	NOUN
fsr-3321	21	18	but	but	CCONJ
fsr-3321	21	19	also	also	ADV
fsr-3321	21	20	decreasing	decrease	VERB
fsr-3321	21	21	the	the	DET
fsr-3321	21	22	diversification	diversification	NOUN
fsr-3321	21	23	and	and	CCONJ
fsr-3321	21	24	as	as	ADP
fsr-3321	21	25	a	a	DET
fsr-3321	21	26	result	result	NOUN
fsr-3321	21	27	,	,	PUNCT
fsr-3321	21	28	reducing	reduce	VERB
fsr-3321	21	29	growth	growth	NOUN
fsr-3321	21	30	.	.	PUNCT
fsr-3321	22	1	given	give	VERB
fsr-3321	22	2	university	university	NOUN
fsr-3321	22	3	employees	employee	NOUN
fsr-3321	22	4	’	'	PUNCT
fsr-3321	22	5	increased	increase	VERB
fsr-3321	22	6	reliance	reliance	NOUN
fsr-3321	22	7	on	on	ADP
fsr-3321	22	8	defined	define	VERB
fsr-3321	22	9	contribution	contribution	NOUN
fsr-3321	22	10	accounts	account	NOUN
fsr-3321	22	11	and	and	CCONJ
fsr-3321	22	12	the	the	DET
fsr-3321	22	13	responsibility	responsibility	NOUN
fsr-3321	22	14	that	that	SCONJ
fsr-3321	22	15	the	the	DET
fsr-3321	22	16	employees	employee	NOUN
fsr-3321	22	17	must	must	AUX
fsr-3321	22	18	take	take	VERB
fsr-3321	22	19	for	for	ADP
fsr-3321	22	20	their	their	PRON
fsr-3321	22	21	retirement	retirement	NOUN
fsr-3321	22	22	choices	choice	NOUN
fsr-3321	22	23	,	,	PUNCT
fsr-3321	22	24	this	this	DET
fsr-3321	22	25	study	study	NOUN
fsr-3321	22	26	is	be	AUX
fsr-3321	22	27	significant	significant	ADJ
fsr-3321	22	28	in	in	ADP
fsr-3321	22	29	a	a	DET
fsr-3321	22	30	number	number	NOUN
fsr-3321	22	31	of	of	ADP
fsr-3321	22	32	ways	way	NOUN
fsr-3321	22	33	.	.	PUNCT
fsr-3321	23	1	first	first	ADV
fsr-3321	23	2	,	,	PUNCT
fsr-3321	23	3	we	we	PRON
fsr-3321	23	4	examine	examine	VERB
fsr-3321	23	5	whether	whether	SCONJ
fsr-3321	23	6	university	university	NOUN
fsr-3321	23	7	employees	employee	NOUN
fsr-3321	23	8	treat	treat	VERB
fsr-3321	23	9	their	their	PRON
fsr-3321	23	10	“	"	PUNCT
fsr-3321	23	11	free	free	ADJ
fsr-3321	23	12	money	money	NOUN
fsr-3321	23	13	”	"	PUNCT
fsr-3321	23	14	differently	differently	ADV
fsr-3321	23	15	from	from	ADP
fsr-3321	23	16	their	their	PRON
fsr-3321	23	17	“	"	PUNCT
fsr-3321	23	18	earned	earn	VERB
fsr-3321	23	19	money	money	NOUN
fsr-3321	23	20	.	.	PUNCT
fsr-3321	23	21	”	"	PUNCT
fsr-3321	24	1	in	in	ADP
fsr-3321	24	2	other	other	ADJ
fsr-3321	24	3	words	word	NOUN
fsr-3321	24	4	,	,	PUNCT
fsr-3321	24	5	we	we	PRON
fsr-3321	24	6	analyze	analyze	VERB
fsr-3321	24	7	how	how	SCONJ
fsr-3321	24	8	the	the	DET
fsr-3321	24	9	investment	investment	NOUN
fsr-3321	24	10	choices	choice	NOUN
fsr-3321	24	11	in	in	ADP
fsr-3321	24	12	the	the	DET
fsr-3321	24	13	optional	optional	ADJ
fsr-3321	24	14	pension	pension	NOUN
fsr-3321	24	15	plan	plan	NOUN
fsr-3321	24	16	funded	fund	VERB
fsr-3321	24	17	by	by	ADP
fsr-3321	24	18	the	the	DET
fsr-3321	24	19	employer	employer	NOUN
fsr-3321	24	20	(	(	PUNCT
fsr-3321	24	21	the	the	DET
fsr-3321	24	22	state	state	NOUN
fsr-3321	24	23	)	)	PUNCT
fsr-3321	24	24	differ	differ	VERB
fsr-3321	24	25	from	from	ADP
fsr-3321	24	26	the	the	DET
fsr-3321	24	27	investment	investment	NOUN
fsr-3321	24	28	choices	choice	NOUN
fsr-3321	24	29	funded	fund	VERB
fsr-3321	24	30	by	by	ADP
fsr-3321	24	31	employees	employee	NOUN
fsr-3321	24	32	themselves	themselves	PRON
fsr-3321	24	33	in	in	ADP
fsr-3321	24	34	the	the	DET
fsr-3321	24	35	voluntary	voluntary	ADJ
fsr-3321	24	36	salary	salary	NOUN
fsr-3321	24	37	reduction	reduction	NOUN
fsr-3321	24	38	403(b	403(b	PROPN
fsr-3321	24	39	)	)	PUNCT
fsr-3321	24	40	accounts	account	NOUN
fsr-3321	24	41	.	.	PUNCT
fsr-3321	25	1	because	because	SCONJ
fsr-3321	25	2	of	of	ADP
fsr-3321	25	3	the	the	DET
fsr-3321	25	4	design	design	NOUN
fsr-3321	25	5	of	of	ADP
fsr-3321	25	6	the	the	DET
fsr-3321	25	7	state	state	NOUN
fsr-3321	25	8	’s	’s	PART
fsr-3321	25	9	retirement	retirement	NOUN
fsr-3321	25	10	system	system	NOUN
fsr-3321	25	11	,	,	PUNCT
fsr-3321	25	12	our	our	PRON
fsr-3321	25	13	sample	sample	NOUN
fsr-3321	25	14	presents	present	VERB
fsr-3321	25	15	a	a	DET
fsr-3321	25	16	natural	natural	ADJ
fsr-3321	25	17	experiment	experiment	NOUN
fsr-3321	25	18	in	in	ADP
fsr-3321	25	19	which	which	PRON
fsr-3321	25	20	we	we	PRON
fsr-3321	25	21	can	can	AUX
fsr-3321	25	22	observe	observe	VERB
fsr-3321	25	23	and	and	CCONJ
fsr-3321	25	24	compare	compare	VERB
fsr-3321	25	25	employees	employee	NOUN
fsr-3321	25	26	’	’	PART
fsr-3321	25	27	distinct	distinct	ADJ
fsr-3321	25	28	investment	investment	NOUN
fsr-3321	25	29	choices	choice	NOUN
fsr-3321	25	30	associated	associate	VERB
fsr-3321	25	31	with	with	ADP
fsr-3321	25	32	employee	employee	NOUN
fsr-3321	25	33	contributions	contribution	NOUN
fsr-3321	25	34	versus	versus	ADP
fsr-3321	25	35	employer	employer	NOUN
fsr-3321	25	36	contributions	contribution	NOUN
fsr-3321	25	37	.	.	PUNCT
fsr-3321	26	1	second	second	ADJ
fsr-3321	26	2	,	,	PUNCT
fsr-3321	26	3	we	we	PRON
fsr-3321	26	4	explore	explore	VERB
fsr-3321	26	5	whether	whether	SCONJ
fsr-3321	26	6	the	the	DET
fsr-3321	26	7	choice	choice	NOUN
fsr-3321	26	8	of	of	ADP
fsr-3321	26	9	the	the	DET
fsr-3321	26	10	provider	provider	NOUN
fsr-3321	26	11	has	have	VERB
fsr-3321	26	12	a	a	DET
fsr-3321	26	13	significant	significant	ADJ
fsr-3321	26	14	impact	impact	NOUN
fsr-3321	26	15	on	on	ADP
fsr-3321	26	16	the	the	DET
fsr-3321	26	17	asset	asset	NOUN
fsr-3321	26	18	allocation	allocation	NOUN
fsr-3321	26	19	chosen	choose	VERB
fsr-3321	26	20	by	by	ADP
fsr-3321	26	21	the	the	DET
fsr-3321	26	22	employees	employee	NOUN
fsr-3321	26	23	.	.	PUNCT
fsr-3321	27	1	before	before	ADP
fsr-3321	27	2	making	make	VERB
fsr-3321	27	3	the	the	DET
fsr-3321	27	4	individual	individual	ADJ
fsr-3321	27	5	investment	investment	NOUN
fsr-3321	27	6	decisions	decision	NOUN
fsr-3321	27	7	,	,	PUNCT
fsr-3321	27	8	university	university	NOUN
fsr-3321	27	9	employees	employee	NOUN
fsr-3321	27	10	choose	choose	VERB
fsr-3321	27	11	between	between	ADP
fsr-3321	27	12	fidelity	fidelity	NOUN
fsr-3321	27	13	and	and	CCONJ
fsr-3321	27	14	tiaa	tiaa	NOUN
fsr-3321	27	15	-	-	PUNCT
fsr-3321	27	16	cref.2	cref.2	PROPN
fsr-3321	27	17	although	although	SCONJ
fsr-3321	27	18	the	the	DET
fsr-3321	27	19	funds	fund	NOUN
fsr-3321	27	20	available	available	ADJ
fsr-3321	27	21	are	be	AUX
fsr-3321	27	22	roughly	roughly	ADV
fsr-3321	27	23	equivalent	equivalent	ADJ
fsr-3321	27	24	between	between	ADP
fsr-3321	27	25	the	the	DET
fsr-3321	27	26	two	two	NUM
fsr-3321	27	27	providers	provider	NOUN
fsr-3321	27	28	,	,	PUNCT
fsr-3321	27	29	the	the	DET
fsr-3321	27	30	default	default	NOUN
fsr-3321	27	31	investment	investment	NOUN
fsr-3321	27	32	elections	election	NOUN
fsr-3321	27	33	and	and	CCONJ
fsr-3321	27	34	costs	cost	NOUN
fsr-3321	27	35	are	be	AUX
fsr-3321	27	36	not	not	PART
fsr-3321	27	37	identical	identical	ADJ
fsr-3321	27	38	.	.	PUNCT
fsr-3321	28	1	additionally	additionally	ADV
fsr-3321	28	2	,	,	PUNCT
fsr-3321	28	3	tiaa	tiaa	ADJ
fsr-3321	28	4	-	-	PUNCT
fsr-3321	28	5	cref	cref	NOUN
fsr-3321	28	6	contains	contain	VERB
fsr-3321	28	7	options	option	NOUN
fsr-3321	28	8	not	not	PART
fsr-3321	28	9	offered	offer	VERB
fsr-3321	28	10	by	by	ADP
fsr-3321	28	11	fidelity	fidelity	PROPN
fsr-3321	28	12	(	(	PUNCT
fsr-3321	28	13	mainly	mainly	ADV
fsr-3321	28	14	annuities	annuity	NOUN
fsr-3321	28	15	)	)	PUNCT
fsr-3321	28	16	that	that	PRON
fsr-3321	28	17	have	have	AUX
fsr-3321	28	18	historically	historically	ADV
fsr-3321	28	19	been	be	AUX
fsr-3321	28	20	associated	associate	VERB
fsr-3321	28	21	with	with	ADP
fsr-3321	28	22	the	the	DET
fsr-3321	28	23	concept	concept	NOUN
fsr-3321	28	24	of	of	ADP
fsr-3321	28	25	investment	investment	NOUN
fsr-3321	28	26	safety	safety	NOUN
fsr-3321	28	27	.	.	PUNCT
fsr-3321	29	1	2	2	X
fsr-3321	29	2	.	.	X
fsr-3321	29	3	literature	literature	NOUN
fsr-3321	29	4	review	review	VERB
fsr-3321	29	5	2.1	2.1	NUM
fsr-3321	29	6	.	.	PUNCT
fsr-3321	30	1	investment	investment	NOUN
fsr-3321	30	2	choices	choice	NOUN
fsr-3321	30	3	and	and	CCONJ
fsr-3321	30	4	portfolio	portfolio	NOUN
fsr-3321	30	5	selection	selection	PROPN
fsr-3321	30	6	retirement	retirement	NOUN
fsr-3321	30	7	asset	asset	NOUN
fsr-3321	30	8	allocation	allocation	NOUN
fsr-3321	30	9	is	be	AUX
fsr-3321	30	10	a	a	DET
fsr-3321	30	11	decision	decision	NOUN
fsr-3321	30	12	that	that	PRON
fsr-3321	30	13	could	could	AUX
fsr-3321	30	14	potentially	potentially	ADV
fsr-3321	30	15	cost	cost	VERB
fsr-3321	30	16	employees	employee	NOUN
fsr-3321	30	17	hundreds	hundred	NOUN
fsr-3321	30	18	of	of	ADP
fsr-3321	30	19	thousands	thousand	NOUN
fsr-3321	30	20	of	of	ADP
fsr-3321	30	21	dollars	dollar	NOUN
fsr-3321	30	22	over	over	ADP
fsr-3321	30	23	their	their	PRON
fsr-3321	30	24	lifetime	lifetime	NOUN
fsr-3321	30	25	.	.	PUNCT
fsr-3321	31	1	however	however	ADV
fsr-3321	31	2	,	,	PUNCT
fsr-3321	31	3	how	how	SCONJ
fsr-3321	31	4	good	good	ADJ
fsr-3321	31	5	are	be	AUX
fsr-3321	31	6	individuals	individual	NOUN
fsr-3321	31	7	at	at	ADP
fsr-3321	31	8	making	make	VERB
fsr-3321	31	9	this	this	DET
fsr-3321	31	10	decision	decision	NOUN
fsr-3321	31	11	?	?	PUNCT
fsr-3321	32	1	so	so	ADV
fsr-3321	32	2	far	far	ADV
fsr-3321	32	3	,	,	PUNCT
fsr-3321	32	4	the	the	DET
fsr-3321	32	5	data	datum	NOUN
fsr-3321	32	6	points	point	VERB
fsr-3321	32	7	to	to	ADP
fsr-3321	32	8	a	a	DET
fsr-3321	32	9	number	number	NOUN
fsr-3321	32	10	of	of	ADP
fsr-3321	32	11	flaws	flaw	NOUN
fsr-3321	32	12	in	in	ADP
fsr-3321	32	13	individual	individual	ADJ
fsr-3321	32	14	decision	decision	NOUN
fsr-3321	32	15	making	make	VERB
fsr-3321	32	16	regarding	regard	VERB
fsr-3321	32	17	retirement	retirement	NOUN
fsr-3321	32	18	planning	planning	NOUN
fsr-3321	32	19	.	.	PUNCT
fsr-3321	33	1	for	for	ADP
fsr-3321	33	2	example	example	NOUN
fsr-3321	33	3	,	,	PUNCT
fsr-3321	33	4	benartzi	benartzi	X
fsr-3321	33	5	(	(	PUNCT
fsr-3321	33	6	2001	2001	NUM
fsr-3321	33	7	)	)	PUNCT
fsr-3321	33	8	shows	show	VERB
fsr-3321	33	9	that	that	SCONJ
fsr-3321	33	10	for	for	ADP
fsr-3321	33	11	well	well	ADV
fsr-3321	33	12	-	-	PUNCT
fsr-3321	33	13	performing	perform	VERB
fsr-3321	33	14	stocks	stock	NOUN
fsr-3321	33	15	about	about	ADV
fsr-3321	33	16	40	40	NUM
fsr-3321	33	17	%	%	NOUN
fsr-3321	33	18	of	of	ADP
fsr-3321	33	19	discretionary	discretionary	ADJ
fsr-3321	33	20	contributions	contribution	NOUN
fsr-3321	33	21	in	in	ADP
fsr-3321	33	22	401(k	401(k	NOUN
fsr-3321	33	23	)	)	PUNCT
fsr-3321	33	24	accounts	account	NOUN
fsr-3321	33	25	are	be	AUX
fsr-3321	33	26	funneled	funnel	VERB
fsr-3321	33	27	into	into	ADP
fsr-3321	33	28	an	an	DET
fsr-3321	33	29	individuals	individual	NOUN
fsr-3321	33	30	’	'	PUNCT
fsr-3321	33	31	own	own	ADJ
fsr-3321	33	32	company	company	NOUN
fsr-3321	33	33	stock	stock	NOUN
fsr-3321	33	34	.	.	PUNCT
fsr-3321	34	1	based	base	VERB
fsr-3321	34	2	on	on	ADP
fsr-3321	34	3	survey	survey	NOUN
fsr-3321	34	4	findings	finding	NOUN
fsr-3321	34	5	,	,	PUNCT
fsr-3321	34	6	choi	choi	NOUN
fsr-3321	34	7	,	,	PUNCT
fsr-3321	34	8	laibson	laibson	PROPN
fsr-3321	34	9	,	,	PUNCT
fsr-3321	34	10	madrian	madrian	NOUN
fsr-3321	34	11	,	,	PUNCT
fsr-3321	34	12	and	and	CCONJ
fsr-3321	34	13	metrick	metrick	ADJ
fsr-3321	34	14	(	(	PUNCT
fsr-3321	34	15	2005	2005	NUM
fsr-3321	34	16	)	)	PUNCT
fsr-3321	34	17	242	242	NUM
fsr-3321	34	18	a.	a.	NOUN
fsr-3321	34	19	anthony	anthony	PROPN
fsr-3321	34	20	et	et	PROPN
fsr-3321	34	21	al	al	PROPN
fsr-3321	34	22	.	.	PUNCT
fsr-3321	34	23	/	/	SYM
fsr-3321	34	24	financial	financial	ADJ
fsr-3321	34	25	services	service	NOUN
fsr-3321	34	26	review	review	VERB
fsr-3321	34	27	26	26	NUM
fsr-3321	34	28	(	(	PUNCT
fsr-3321	34	29	2017	2017	NUM
fsr-3321	34	30	)	)	PUNCT
fsr-3321	34	31	241–254	241–254	NUM
fsr-3321	34	32	find	find	VERB
fsr-3321	34	33	that	that	SCONJ
fsr-3321	34	34	people	people	NOUN
fsr-3321	34	35	do	do	AUX
fsr-3321	34	36	not	not	PART
fsr-3321	34	37	make	make	VERB
fsr-3321	34	38	401(k	401(k	NOUN
fsr-3321	34	39	)	)	PUNCT
fsr-3321	34	40	investment	investment	NOUN
fsr-3321	34	41	allocation	allocation	NOUN
fsr-3321	34	42	decisions	decision	NOUN
fsr-3321	34	43	based	base	VERB
fsr-3321	34	44	on	on	ADP
fsr-3321	34	45	their	their	PRON
fsr-3321	34	46	riskreward	riskreward	NOUN
fsr-3321	34	47	profiles	profile	NOUN
fsr-3321	34	48	,	,	PUNCT
fsr-3321	34	49	the	the	DET
fsr-3321	34	50	management	management	NOUN
fsr-3321	34	51	costs	cost	NOUN
fsr-3321	34	52	of	of	ADP
fsr-3321	34	53	the	the	DET
fsr-3321	34	54	investments	investment	NOUN
fsr-3321	34	55	,	,	PUNCT
fsr-3321	34	56	or	or	CCONJ
fsr-3321	34	57	even	even	ADV
fsr-3321	34	58	their	their	PRON
fsr-3321	34	59	own	own	ADJ
fsr-3321	34	60	unique	unique	ADJ
fsr-3321	34	61	circumstances	circumstance	NOUN
fsr-3321	34	62	.	.	PUNCT
fsr-3321	35	1	on	on	ADP
fsr-3321	35	2	the	the	DET
fsr-3321	35	3	contrary	contrary	NOUN
fsr-3321	35	4	,	,	PUNCT
fsr-3321	35	5	they	they	PRON
fsr-3321	35	6	make	make	VERB
fsr-3321	35	7	their	their	PRON
fsr-3321	35	8	selection	selection	NOUN
fsr-3321	35	9	by	by	ADP
fsr-3321	35	10	looking	look	VERB
fsr-3321	35	11	at	at	ADP
fsr-3321	35	12	the	the	DET
fsr-3321	35	13	past	past	ADJ
fsr-3321	35	14	performance	performance	NOUN
fsr-3321	35	15	(	(	PUNCT
fsr-3321	35	16	especially	especially	ADV
fsr-3321	35	17	when	when	SCONJ
fsr-3321	35	18	it	it	PRON
fsr-3321	35	19	comes	come	VERB
fsr-3321	35	20	to	to	ADP
fsr-3321	35	21	company	company	NOUN
fsr-3321	35	22	stock	stock	NOUN
fsr-3321	35	23	)	)	PUNCT
fsr-3321	35	24	,	,	PUNCT
fsr-3321	35	25	and	and	CCONJ
fsr-3321	35	26	in	in	ADP
fsr-3321	35	27	many	many	ADJ
fsr-3321	35	28	cases	case	NOUN
fsr-3321	35	29	they	they	PRON
fsr-3321	35	30	opt	opt	VERB
fsr-3321	35	31	for	for	ADP
fsr-3321	35	32	the	the	DET
fsr-3321	35	33	default	default	NOUN
fsr-3321	35	34	investment	investment	NOUN
fsr-3321	35	35	option	option	NOUN
fsr-3321	35	36	rather	rather	ADV
fsr-3321	35	37	than	than	ADP
fsr-3321	35	38	a	a	DET
fsr-3321	35	39	deliberate	deliberate	ADJ
fsr-3321	35	40	choice	choice	NOUN
fsr-3321	35	41	.	.	PUNCT
fsr-3321	36	1	as	as	ADP
fsr-3321	36	2	a	a	DET
fsr-3321	36	3	result	result	NOUN
fsr-3321	36	4	,	,	PUNCT
fsr-3321	36	5	the	the	DET
fsr-3321	36	6	authors	author	NOUN
fsr-3321	36	7	call	call	VERB
fsr-3321	36	8	for	for	ADP
fsr-3321	36	9	a	a	DET
fsr-3321	36	10	restriction	restriction	NOUN
fsr-3321	36	11	of	of	ADP
fsr-3321	36	12	the	the	DET
fsr-3321	36	13	options	option	NOUN
fsr-3321	36	14	available	available	ADJ
fsr-3321	36	15	in	in	ADP
fsr-3321	36	16	a	a	DET
fsr-3321	36	17	401(k	401(k	PROPN
fsr-3321	36	18	)	)	PUNCT
fsr-3321	36	19	account	account	NOUN
fsr-3321	36	20	to	to	PART
fsr-3321	36	21	contain	contain	VERB
fsr-3321	36	22	highly	highly	ADV
fsr-3321	36	23	diversified	diversify	VERB
fsr-3321	36	24	mutual	mutual	ADJ
fsr-3321	36	25	funds	fund	NOUN
fsr-3321	36	26	.	.	PUNCT
fsr-3321	37	1	2.2	2.2	NUM
fsr-3321	37	2	.	.	PUNCT
fsr-3321	37	3	concerns	concern	NOUN
fsr-3321	37	4	with	with	ADP
fsr-3321	37	5	self	self	NOUN
fsr-3321	37	6	-	-	PUNCT
fsr-3321	37	7	directed	direct	VERB
fsr-3321	37	8	retirement	retirement	NOUN
fsr-3321	37	9	investment	investment	NOUN
fsr-3321	37	10	there	there	PRON
fsr-3321	37	11	are	be	VERB
fsr-3321	37	12	a	a	DET
fsr-3321	37	13	number	number	NOUN
fsr-3321	37	14	of	of	ADP
fsr-3321	37	15	reasons	reason	NOUN
fsr-3321	37	16	that	that	PRON
fsr-3321	37	17	could	could	AUX
fsr-3321	37	18	partially	partially	ADV
fsr-3321	37	19	contribute	contribute	VERB
fsr-3321	37	20	to	to	ADP
fsr-3321	37	21	the	the	DET
fsr-3321	37	22	observed	observe	VERB
fsr-3321	37	23	suboptimal	suboptimal	ADJ
fsr-3321	37	24	retirement	retirement	NOUN
fsr-3321	37	25	participation	participation	NOUN
fsr-3321	37	26	and	and	CCONJ
fsr-3321	37	27	allocation	allocation	NOUN
fsr-3321	37	28	.	.	PUNCT
fsr-3321	38	1	first	first	ADV
fsr-3321	38	2	,	,	PUNCT
fsr-3321	38	3	the	the	DET
fsr-3321	38	4	options	option	NOUN
fsr-3321	38	5	available	available	ADJ
fsr-3321	38	6	to	to	ADP
fsr-3321	38	7	employees	employee	NOUN
fsr-3321	38	8	have	have	AUX
fsr-3321	38	9	increased	increase	VERB
fsr-3321	38	10	dramatically	dramatically	ADV
fsr-3321	38	11	in	in	ADP
fsr-3321	38	12	the	the	DET
fsr-3321	38	13	last	last	ADJ
fsr-3321	38	14	15–20	15–20	NUM
fsr-3321	38	15	years	year	NOUN
fsr-3321	38	16	.	.	PUNCT
fsr-3321	39	1	the	the	DET
fsr-3321	39	2	increased	increase	VERB
fsr-3321	39	3	choices	choice	NOUN
fsr-3321	39	4	also	also	ADV
fsr-3321	39	5	contribute	contribute	VERB
fsr-3321	39	6	to	to	ADP
fsr-3321	39	7	a	a	DET
fsr-3321	39	8	change	change	NOUN
fsr-3321	39	9	in	in	ADP
fsr-3321	39	10	investment	investment	NOUN
fsr-3321	39	11	behavior	behavior	NOUN
fsr-3321	39	12	.	.	PUNCT
fsr-3321	40	1	choi	choi	PROPN
fsr-3321	40	2	et	et	PROPN
fsr-3321	40	3	al	al	PROPN
fsr-3321	40	4	.	.	PROPN
fsr-3321	41	1	(	(	PUNCT
fsr-3321	41	2	2005	2005	NUM
fsr-3321	41	3	)	)	PUNCT
fsr-3321	41	4	show	show	VERB
fsr-3321	41	5	that	that	SCONJ
fsr-3321	41	6	employees	employee	NOUN
fsr-3321	41	7	will	will	AUX
fsr-3321	41	8	distribute	distribute	VERB
fsr-3321	41	9	their	their	PRON
fsr-3321	41	10	investment	investment	NOUN
fsr-3321	41	11	allocations	allocation	NOUN
fsr-3321	41	12	based	base	VERB
fsr-3321	41	13	on	on	ADP
fsr-3321	41	14	the	the	DET
fsr-3321	41	15	choices	choice	NOUN
fsr-3321	41	16	offered	offer	VERB
fsr-3321	41	17	by	by	ADP
fsr-3321	41	18	the	the	DET
fsr-3321	41	19	employer	employer	NOUN
fsr-3321	41	20	.	.	PUNCT
fsr-3321	42	1	for	for	ADP
fsr-3321	42	2	example	example	NOUN
fsr-3321	42	3	,	,	PUNCT
fsr-3321	42	4	the	the	DET
fsr-3321	42	5	more	more	ADJ
fsr-3321	42	6	equity	equity	NOUN
fsr-3321	42	7	funds	fund	NOUN
fsr-3321	42	8	that	that	PRON
fsr-3321	42	9	are	be	AUX
fsr-3321	42	10	available	available	ADJ
fsr-3321	42	11	,	,	PUNCT
fsr-3321	42	12	the	the	PRON
fsr-3321	42	13	higher	high	ADJ
fsr-3321	42	14	the	the	DET
fsr-3321	42	15	percentage	percentage	NOUN
fsr-3321	42	16	of	of	ADP
fsr-3321	42	17	employee	employee	NOUN
fsr-3321	42	18	contributions	contribution	NOUN
fsr-3321	42	19	flows	flow	VERB
fsr-3321	42	20	into	into	ADP
fsr-3321	42	21	equity	equity	NOUN
fsr-3321	42	22	funds	fund	NOUN
fsr-3321	42	23	.	.	PUNCT
fsr-3321	43	1	second	second	ADJ
fsr-3321	43	2	,	,	PUNCT
fsr-3321	43	3	the	the	DET
fsr-3321	43	4	trend	trend	NOUN
fsr-3321	43	5	towards	towards	ADP
fsr-3321	43	6	automatic	automatic	ADJ
fsr-3321	43	7	enrollment	enrollment	NOUN
fsr-3321	43	8	comes	come	VERB
fsr-3321	43	9	with	with	ADP
fsr-3321	43	10	the	the	DET
fsr-3321	43	11	burden	burden	NOUN
fsr-3321	43	12	on	on	ADP
fsr-3321	43	13	the	the	DET
fsr-3321	43	14	employer	employer	NOUN
fsr-3321	43	15	to	to	PART
fsr-3321	43	16	choose	choose	VERB
fsr-3321	43	17	the	the	DET
fsr-3321	43	18	default	default	NOUN
fsr-3321	43	19	investment	investment	NOUN
fsr-3321	43	20	selection	selection	NOUN
fsr-3321	43	21	.	.	PUNCT
fsr-3321	44	1	madrian	madrian	PROPN
fsr-3321	44	2	and	and	CCONJ
fsr-3321	44	3	shea	shea	PROPN
fsr-3321	44	4	(	(	PUNCT
fsr-3321	44	5	2001	2001	NUM
fsr-3321	44	6	)	)	PUNCT
fsr-3321	44	7	argue	argue	VERB
fsr-3321	44	8	that	that	SCONJ
fsr-3321	44	9	in	in	ADP
fsr-3321	44	10	the	the	DET
fsr-3321	44	11	short	short	ADJ
fsr-3321	44	12	term	term	NOUN
fsr-3321	44	13	,	,	PUNCT
fsr-3321	44	14	a	a	DET
fsr-3321	44	15	significant	significant	ADJ
fsr-3321	44	16	percentage	percentage	NOUN
fsr-3321	44	17	of	of	ADP
fsr-3321	44	18	employees	employee	NOUN
fsr-3321	44	19	do	do	AUX
fsr-3321	44	20	not	not	PART
fsr-3321	44	21	change	change	VERB
fsr-3321	44	22	the	the	DET
fsr-3321	44	23	default	default	NOUN
fsr-3321	44	24	asset	asset	NOUN
fsr-3321	44	25	allocation	allocation	NOUN
fsr-3321	44	26	.	.	PUNCT
fsr-3321	45	1	the	the	DET
fsr-3321	45	2	employer	employer	NOUN
fsr-3321	45	3	choice	choice	NOUN
fsr-3321	45	4	for	for	ADP
fsr-3321	45	5	the	the	DET
fsr-3321	45	6	default	default	NOUN
fsr-3321	45	7	investment	investment	NOUN
fsr-3321	45	8	option	option	NOUN
fsr-3321	45	9	then	then	ADV
fsr-3321	45	10	becomes	become	VERB
fsr-3321	45	11	imperative	imperative	ADJ
fsr-3321	45	12	in	in	ADP
fsr-3321	45	13	the	the	DET
fsr-3321	45	14	retirement	retirement	NOUN
fsr-3321	45	15	well	well	ADV
fsr-3321	45	16	-	-	PUNCT
fsr-3321	45	17	being	being	NOUN
fsr-3321	45	18	of	of	ADP
fsr-3321	45	19	the	the	DET
fsr-3321	45	20	employees	employee	NOUN
fsr-3321	45	21	.	.	PUNCT
fsr-3321	46	1	beshears	beshear	NOUN
fsr-3321	46	2	,	,	PUNCT
fsr-3321	46	3	choi	choi	NOUN
fsr-3321	46	4	,	,	PUNCT
fsr-3321	46	5	laibson	laibson	PROPN
fsr-3321	46	6	,	,	PUNCT
fsr-3321	46	7	madrian	madrian	NOUN
fsr-3321	46	8	,	,	PUNCT
fsr-3321	46	9	and	and	CCONJ
fsr-3321	46	10	milkman	milkman	PROPN
fsr-3321	46	11	(	(	PUNCT
fsr-3321	46	12	2015	2015	NUM
fsr-3321	46	13	)	)	PUNCT
fsr-3321	46	14	find	find	VERB
fsr-3321	46	15	that	that	SCONJ
fsr-3321	46	16	those	those	PRON
fsr-3321	46	17	who	who	PRON
fsr-3321	46	18	default	default	VERB
fsr-3321	46	19	to	to	ADP
fsr-3321	46	20	non	non	ADJ
fsr-3321	46	21	-	-	NOUN
fsr-3321	46	22	enrollment	enrollment	NOUN
fsr-3321	46	23	in	in	ADP
fsr-3321	46	24	their	their	PRON
fsr-3321	46	25	401(k	401(k	NOUN
fsr-3321	46	26	)	)	PUNCT
fsr-3321	46	27	plan	plan	NOUN
fsr-3321	46	28	have	have	VERB
fsr-3321	46	29	a	a	DET
fsr-3321	46	30	counterintuitive	counterintuitive	ADJ
fsr-3321	46	31	negative	negative	ADJ
fsr-3321	46	32	reaction	reaction	NOUN
fsr-3321	46	33	to	to	ADP
fsr-3321	46	34	information	information	NOUN
fsr-3321	46	35	about	about	ADP
fsr-3321	46	36	peer	peer	NOUN
fsr-3321	46	37	retirement	retirement	NOUN
fsr-3321	46	38	savings	saving	NOUN
fsr-3321	46	39	,	,	PUNCT
fsr-3321	46	40	while	while	SCONJ
fsr-3321	46	41	those	those	PRON
fsr-3321	46	42	who	who	PRON
fsr-3321	46	43	opted	opt	VERB
fsr-3321	46	44	into	into	ADP
fsr-3321	46	45	a	a	DET
fsr-3321	46	46	contribution	contribution	NOUN
fsr-3321	46	47	tend	tend	VERB
fsr-3321	46	48	to	to	PART
fsr-3321	46	49	increase	increase	VERB
fsr-3321	46	50	savings	saving	NOUN
fsr-3321	46	51	in	in	ADP
fsr-3321	46	52	response	response	NOUN
fsr-3321	46	53	to	to	ADP
fsr-3321	46	54	information	information	NOUN
fsr-3321	46	55	about	about	ADP
fsr-3321	46	56	their	their	PRON
fsr-3321	46	57	peer	peer	NOUN
fsr-3321	46	58	’s	’s	PART
fsr-3321	46	59	savings	saving	NOUN
fsr-3321	46	60	rates	rate	NOUN
fsr-3321	46	61	.	.	PUNCT
fsr-3321	47	1	third	third	ADV
fsr-3321	47	2	,	,	PUNCT
fsr-3321	47	3	there	there	PRON
fsr-3321	47	4	is	be	VERB
fsr-3321	47	5	a	a	DET
fsr-3321	47	6	strong	strong	ADJ
fsr-3321	47	7	reliance	reliance	NOUN
fsr-3321	47	8	on	on	ADP
fsr-3321	47	9	past	past	ADJ
fsr-3321	47	10	performance	performance	NOUN
fsr-3321	47	11	affecting	affect	VERB
fsr-3321	47	12	investment	investment	NOUN
fsr-3321	47	13	allocation	allocation	NOUN
fsr-3321	47	14	.	.	PUNCT
fsr-3321	48	1	although	although	SCONJ
fsr-3321	48	2	modern	modern	ADJ
fsr-3321	48	3	portfolio	portfolio	NOUN
fsr-3321	48	4	theory	theory	NOUN
fsr-3321	48	5	argues	argue	VERB
fsr-3321	48	6	that	that	SCONJ
fsr-3321	48	7	expected	expect	VERB
fsr-3321	48	8	returns	return	NOUN
fsr-3321	48	9	should	should	AUX
fsr-3321	48	10	drive	drive	VERB
fsr-3321	48	11	the	the	DET
fsr-3321	48	12	investment	investment	NOUN
fsr-3321	48	13	decision	decision	NOUN
fsr-3321	48	14	,	,	PUNCT
fsr-3321	48	15	in	in	ADP
fsr-3321	48	16	reality	reality	NOUN
fsr-3321	48	17	,	,	PUNCT
fsr-3321	48	18	participants	participant	NOUN
fsr-3321	48	19	often	often	ADV
fsr-3321	48	20	look	look	VERB
fsr-3321	48	21	at	at	ADP
fsr-3321	48	22	the	the	DET
fsr-3321	48	23	immediate	immediate	ADJ
fsr-3321	48	24	past	past	ADJ
fsr-3321	48	25	performance	performance	NOUN
fsr-3321	48	26	to	to	PART
fsr-3321	48	27	decide	decide	VERB
fsr-3321	48	28	future	future	ADJ
fsr-3321	48	29	asset	asset	NOUN
fsr-3321	48	30	allocation	allocation	NOUN
fsr-3321	48	31	.	.	PUNCT
fsr-3321	49	1	mitchell	mitchell	PROPN
fsr-3321	49	2	and	and	CCONJ
fsr-3321	49	3	utkus	utkus	PROPN
fsr-3321	49	4	(	(	PUNCT
fsr-3321	49	5	2003	2003	NUM
fsr-3321	49	6	)	)	PUNCT
fsr-3321	49	7	point	point	NOUN
fsr-3321	49	8	to	to	ADP
fsr-3321	49	9	a	a	DET
fsr-3321	49	10	number	number	NOUN
fsr-3321	49	11	of	of	ADP
fsr-3321	49	12	reasons	reason	NOUN
fsr-3321	49	13	that	that	PRON
fsr-3321	49	14	drive	drive	VERB
fsr-3321	49	15	the	the	DET
fsr-3321	49	16	strong	strong	ADJ
fsr-3321	49	17	influence	influence	NOUN
fsr-3321	49	18	of	of	ADP
fsr-3321	49	19	past	past	ADJ
fsr-3321	49	20	performance	performance	NOUN
fsr-3321	49	21	on	on	ADP
fsr-3321	49	22	the	the	DET
fsr-3321	49	23	investment	investment	NOUN
fsr-3321	49	24	decision	decision	NOUN
fsr-3321	49	25	.	.	PUNCT
fsr-3321	50	1	for	for	ADP
fsr-3321	50	2	example	example	NOUN
fsr-3321	50	3	,	,	PUNCT
fsr-3321	50	4	defined	define	VERB
fsr-3321	50	5	contribution	contribution	NOUN
fsr-3321	50	6	providers	provider	NOUN
fsr-3321	50	7	make	make	VERB
fsr-3321	50	8	such	such	ADJ
fsr-3321	50	9	information	information	NOUN
fsr-3321	50	10	easily	easily	ADV
fsr-3321	50	11	available	available	ADJ
fsr-3321	50	12	,	,	PUNCT
fsr-3321	50	13	which	which	PRON
fsr-3321	50	14	leads	lead	VERB
fsr-3321	50	15	to	to	ADP
fsr-3321	50	16	availability	availability	NOUN
fsr-3321	50	17	bias	bias	NOUN
fsr-3321	50	18	.	.	PUNCT
fsr-3321	51	1	additionally	additionally	ADV
fsr-3321	51	2	,	,	PUNCT
fsr-3321	51	3	past	past	ADJ
fsr-3321	51	4	performance	performance	NOUN
fsr-3321	51	5	is	be	AUX
fsr-3321	51	6	easily	easily	ADV
fsr-3321	51	7	accessible	accessible	ADJ
fsr-3321	51	8	in	in	ADP
fsr-3321	51	9	the	the	DET
fsr-3321	51	10	media	medium	NOUN
fsr-3321	51	11	while	while	SCONJ
fsr-3321	51	12	expected	expect	VERB
fsr-3321	51	13	returns	return	NOUN
fsr-3321	51	14	are	be	AUX
fsr-3321	51	15	difficult	difficult	ADJ
fsr-3321	51	16	to	to	PART
fsr-3321	51	17	find	find	VERB
fsr-3321	51	18	and	and	CCONJ
fsr-3321	51	19	assess	assess	VERB
fsr-3321	51	20	.	.	PUNCT
fsr-3321	52	1	2.3	2.3	NUM
fsr-3321	52	2	.	.	PUNCT
fsr-3321	52	3	factors	factor	NOUN
fsr-3321	52	4	that	that	PRON
fsr-3321	52	5	affect	affect	VERB
fsr-3321	52	6	investment	investment	NOUN
fsr-3321	52	7	decisions	decision	NOUN
fsr-3321	52	8	despite	despite	SCONJ
fsr-3321	52	9	evidence	evidence	NOUN
fsr-3321	52	10	that	that	PRON
fsr-3321	52	11	points	point	VERB
fsr-3321	52	12	to	to	ADP
fsr-3321	52	13	suboptimal	suboptimal	ADJ
fsr-3321	52	14	investment	investment	NOUN
fsr-3321	52	15	allocation	allocation	NOUN
fsr-3321	52	16	,	,	PUNCT
fsr-3321	52	17	not	not	PART
fsr-3321	52	18	everyone	everyone	PRON
fsr-3321	52	19	makes	make	VERB
fsr-3321	52	20	suboptimal	suboptimal	ADJ
fsr-3321	52	21	decisions	decision	NOUN
fsr-3321	52	22	at	at	ADP
fsr-3321	52	23	the	the	DET
fsr-3321	52	24	same	same	ADJ
fsr-3321	52	25	rate	rate	NOUN
fsr-3321	52	26	.	.	PUNCT
fsr-3321	53	1	agnew	agnew	PROPN
fsr-3321	53	2	(	(	PUNCT
fsr-3321	53	3	2006	2006	NUM
fsr-3321	53	4	)	)	PUNCT
fsr-3321	53	5	shows	show	VERB
fsr-3321	53	6	that	that	SCONJ
fsr-3321	53	7	although	although	SCONJ
fsr-3321	53	8	many	many	ADJ
fsr-3321	53	9	follow	follow	VERB
fsr-3321	53	10	naïve	naïve	ADJ
fsr-3321	53	11	diversification	diversification	NOUN
fsr-3321	53	12	rules	rule	NOUN
fsr-3321	53	13	when	when	SCONJ
fsr-3321	53	14	allocating	allocate	VERB
fsr-3321	53	15	their	their	PRON
fsr-3321	53	16	retirement	retirement	NOUN
fsr-3321	53	17	account	account	NOUN
fsr-3321	53	18	,	,	PUNCT
fsr-3321	53	19	participants	participant	NOUN
fsr-3321	53	20	making	make	VERB
fsr-3321	53	21	more	more	ADJ
fsr-3321	53	22	than	than	ADP
fsr-3321	53	23	$	$	SYM
fsr-3321	53	24	100,000	100,000	NUM
fsr-3321	53	25	per	per	ADP
fsr-3321	53	26	year	year	NOUN
fsr-3321	53	27	hold	hold	VERB
fsr-3321	53	28	less	less	ADJ
fsr-3321	53	29	company	company	NOUN
fsr-3321	53	30	stock	stock	NOUN
fsr-3321	53	31	,	,	PUNCT
fsr-3321	53	32	are	be	AUX
fsr-3321	53	33	less	less	ADV
fsr-3321	53	34	likely	likely	ADJ
fsr-3321	53	35	to	to	PART
fsr-3321	53	36	follow	follow	VERB
fsr-3321	53	37	behavioral	behavioral	ADJ
fsr-3321	53	38	biases	bias	NOUN
fsr-3321	53	39	such	such	ADJ
fsr-3321	53	40	as	as	ADP
fsr-3321	53	41	the	the	DET
fsr-3321	53	42	framing	frame	VERB
fsr-3321	53	43	heuristic	heuristic	NOUN
fsr-3321	53	44	,	,	PUNCT
fsr-3321	53	45	and	and	CCONJ
fsr-3321	53	46	are	be	AUX
fsr-3321	53	47	more	more	ADV
fsr-3321	53	48	likely	likely	ADJ
fsr-3321	53	49	to	to	PART
fsr-3321	53	50	participate	participate	VERB
fsr-3321	53	51	in	in	ADP
fsr-3321	53	52	a	a	DET
fsr-3321	53	53	401(k	401(k	NOUN
fsr-3321	53	54	)	)	PUNCT
fsr-3321	53	55	compared	compare	VERB
fsr-3321	53	56	with	with	ADP
fsr-3321	53	57	lower	low	ADJ
fsr-3321	53	58	paid	pay	VERB
fsr-3321	53	59	employees	employee	NOUN
fsr-3321	53	60	.	.	PUNCT
fsr-3321	54	1	agnew	agnew	PROPN
fsr-3321	54	2	,	,	PUNCT
fsr-3321	54	3	andreson	andreson	PROPN
fsr-3321	54	4	,	,	PUNCT
fsr-3321	54	5	gerlach	gerlach	PROPN
fsr-3321	54	6	,	,	PUNCT
fsr-3321	54	7	and	and	CCONJ
fsr-3321	54	8	szykman	szykman	X
fsr-3321	54	9	(	(	PUNCT
fsr-3321	54	10	2008	2008	NUM
fsr-3321	54	11	)	)	PUNCT
fsr-3321	54	12	suggest	suggest	VERB
fsr-3321	54	13	that	that	SCONJ
fsr-3321	54	14	partially	partially	ADV
fsr-3321	54	15	because	because	SCONJ
fsr-3321	54	16	of	of	ADP
fsr-3321	54	17	the	the	DET
fsr-3321	54	18	differential	differential	NOUN
fsr-3321	54	19	in	in	ADP
fsr-3321	54	20	risk	risk	NOUN
fsr-3321	54	21	aversion	aversion	NOUN
fsr-3321	54	22	and	and	CCONJ
fsr-3321	54	23	financial	financial	ADJ
fsr-3321	54	24	literacy	literacy	NOUN
fsr-3321	54	25	,	,	PUNCT
fsr-3321	54	26	gender	gender	NOUN
fsr-3321	54	27	has	have	VERB
fsr-3321	54	28	an	an	DET
fsr-3321	54	29	impact	impact	NOUN
fsr-3321	54	30	on	on	ADP
fsr-3321	54	31	investment	investment	NOUN
fsr-3321	54	32	allocation	allocation	NOUN
fsr-3321	54	33	.	.	PUNCT
fsr-3321	55	1	as	as	ADP
fsr-3321	55	2	a	a	DET
fsr-3321	55	3	result	result	NOUN
fsr-3321	55	4	,	,	PUNCT
fsr-3321	55	5	their	their	PRON
fsr-3321	55	6	study	study	NOUN
fsr-3321	55	7	finds	find	VERB
fsr-3321	55	8	that	that	SCONJ
fsr-3321	55	9	women	woman	NOUN
fsr-3321	55	10	are	be	AUX
fsr-3321	55	11	more	more	ADV
fsr-3321	55	12	likely	likely	ADJ
fsr-3321	55	13	to	to	PART
fsr-3321	55	14	choose	choose	VERB
fsr-3321	55	15	an	an	DET
fsr-3321	55	16	annuity	annuity	NOUN
fsr-3321	55	17	compared	compare	VERB
fsr-3321	55	18	with	with	ADP
fsr-3321	55	19	men	man	NOUN
fsr-3321	55	20	.	.	PUNCT
fsr-3321	56	1	243a	243a	NOUN
fsr-3321	56	2	.	.	PUNCT
fsr-3321	57	1	anthony	anthony	PROPN
fsr-3321	57	2	et	et	PROPN
fsr-3321	57	3	al	al	PROPN
fsr-3321	57	4	.	.	PUNCT
fsr-3321	57	5	/	/	SYM
fsr-3321	57	6	financial	financial	ADJ
fsr-3321	57	7	services	service	NOUN
fsr-3321	57	8	review	review	VERB
fsr-3321	57	9	26	26	NUM
fsr-3321	57	10	(	(	PUNCT
fsr-3321	57	11	2017	2017	NUM
fsr-3321	57	12	)	)	PUNCT
fsr-3321	57	13	241–254	241–254	NUM
fsr-3321	57	14	2.4	2.4	NUM
fsr-3321	57	15	.	.	PUNCT
fsr-3321	58	1	current	current	ADJ
fsr-3321	58	2	403(b	403(b	PROPN
fsr-3321	58	3	)	)	PUNCT
fsr-3321	58	4	research	research	NOUN
fsr-3321	58	5	most	most	ADJ
fsr-3321	58	6	of	of	ADP
fsr-3321	58	7	the	the	DET
fsr-3321	58	8	current	current	ADJ
fsr-3321	58	9	research	research	NOUN
fsr-3321	58	10	in	in	ADP
fsr-3321	58	11	the	the	DET
fsr-3321	58	12	403(b	403(b	PROPN
fsr-3321	58	13	)	)	PUNCT
fsr-3321	58	14	space	space	NOUN
fsr-3321	58	15	focuses	focus	VERB
fsr-3321	58	16	on	on	ADP
fsr-3321	58	17	the	the	DET
fsr-3321	58	18	characteristics	characteristic	NOUN
fsr-3321	58	19	of	of	ADP
fsr-3321	58	20	university	university	NOUN
fsr-3321	58	21	employees	employee	NOUN
fsr-3321	58	22	that	that	PRON
fsr-3321	58	23	are	be	AUX
fsr-3321	58	24	more	more	ADV
fsr-3321	58	25	prone	prone	ADJ
fsr-3321	58	26	to	to	PART
fsr-3321	58	27	contribute	contribute	VERB
fsr-3321	58	28	to	to	ADP
fsr-3321	58	29	retirement	retirement	NOUN
fsr-3321	58	30	funds	fund	NOUN
fsr-3321	58	31	.	.	PUNCT
fsr-3321	59	1	duflo	duflo	NOUN
fsr-3321	59	2	and	and	CCONJ
fsr-3321	59	3	saez	saez	PROPN
fsr-3321	59	4	(	(	PUNCT
fsr-3321	59	5	2002	2002	NUM
fsr-3321	59	6	)	)	PUNCT
fsr-3321	59	7	study	study	VERB
fsr-3321	59	8	the	the	DET
fsr-3321	59	9	impact	impact	NOUN
fsr-3321	59	10	of	of	ADP
fsr-3321	59	11	group	group	NOUN
fsr-3321	59	12	influence	influence	NOUN
fsr-3321	59	13	on	on	ADP
fsr-3321	59	14	the	the	DET
fsr-3321	59	15	choice	choice	NOUN
fsr-3321	59	16	of	of	ADP
fsr-3321	59	17	mutual	mutual	ADJ
fsr-3321	59	18	fund	fund	NOUN
fsr-3321	59	19	vendor	vendor	NOUN
fsr-3321	59	20	.	.	PUNCT
fsr-3321	60	1	the	the	DET
fsr-3321	60	2	authors	author	NOUN
fsr-3321	60	3	show	show	VERB
fsr-3321	60	4	that	that	SCONJ
fsr-3321	60	5	the	the	DET
fsr-3321	60	6	peer	peer	NOUN
fsr-3321	60	7	group	group	NOUN
fsr-3321	60	8	influences	influence	VERB
fsr-3321	60	9	both	both	CCONJ
fsr-3321	60	10	the	the	DET
fsr-3321	60	11	participation	participation	NOUN
fsr-3321	60	12	in	in	ADP
fsr-3321	60	13	a	a	DET
fsr-3321	60	14	retirement	retirement	NOUN
fsr-3321	60	15	account	account	NOUN
fsr-3321	60	16	and	and	CCONJ
fsr-3321	60	17	also	also	ADV
fsr-3321	60	18	the	the	DET
fsr-3321	60	19	provider	provider	NOUN
fsr-3321	60	20	or	or	CCONJ
fsr-3321	60	21	vendor	vendor	NOUN
fsr-3321	60	22	that	that	PRON
fsr-3321	60	23	is	be	AUX
fsr-3321	60	24	chosen	choose	VERB
fsr-3321	60	25	.	.	PUNCT
fsr-3321	61	1	deaves	deaf	NOUN
fsr-3321	61	2	,	,	PUNCT
fsr-3321	61	3	veit	veit	PROPN
fsr-3321	61	4	,	,	PUNCT
fsr-3321	61	5	bhandari	bhandari	NOUN
fsr-3321	61	6	,	,	PUNCT
fsr-3321	61	7	and	and	CCONJ
fsr-3321	61	8	cheney	cheney	PROPN
fsr-3321	61	9	(	(	PUNCT
fsr-3321	61	10	2007	2007	NUM
fsr-3321	61	11	)	)	PUNCT
fsr-3321	61	12	explore	explore	VERB
fsr-3321	61	13	the	the	DET
fsr-3321	61	14	characteristics	characteristic	NOUN
fsr-3321	61	15	of	of	ADP
fsr-3321	61	16	college	college	NOUN
fsr-3321	61	17	employees	employee	NOUN
fsr-3321	61	18	associated	associate	VERB
fsr-3321	61	19	with	with	ADP
fsr-3321	61	20	the	the	DET
fsr-3321	61	21	propensity	propensity	NOUN
fsr-3321	61	22	to	to	PART
fsr-3321	61	23	plan	plan	VERB
fsr-3321	61	24	,	,	PUNCT
fsr-3321	61	25	utilizing	utilize	VERB
fsr-3321	61	26	a	a	DET
fsr-3321	61	27	survey	survey	NOUN
fsr-3321	61	28	.	.	PUNCT
fsr-3321	62	1	the	the	DET
fsr-3321	62	2	authors	author	NOUN
fsr-3321	62	3	report	report	VERB
fsr-3321	62	4	that	that	SCONJ
fsr-3321	62	5	the	the	DET
fsr-3321	62	6	depth	depth	NOUN
fsr-3321	62	7	of	of	ADP
fsr-3321	62	8	participation	participation	NOUN
fsr-3321	62	9	(	(	PUNCT
fsr-3321	62	10	pension	pension	NOUN
fsr-3321	62	11	contributions	contribution	NOUN
fsr-3321	62	12	as	as	ADP
fsr-3321	62	13	a	a	DET
fsr-3321	62	14	percentage	percentage	NOUN
fsr-3321	62	15	of	of	ADP
fsr-3321	62	16	salary	salary	NOUN
fsr-3321	62	17	)	)	PUNCT
fsr-3321	62	18	is	be	AUX
fsr-3321	62	19	positively	positively	ADV
fsr-3321	62	20	correlated	correlate	VERB
fsr-3321	62	21	to	to	ADP
fsr-3321	62	22	a	a	DET
fsr-3321	62	23	planning	planning	NOUN
fsr-3321	62	24	mindset	mindset	NOUN
fsr-3321	62	25	.	.	PUNCT
fsr-3321	63	1	they	they	PRON
fsr-3321	63	2	also	also	ADV
fsr-3321	63	3	find	find	VERB
fsr-3321	63	4	that	that	SCONJ
fsr-3321	63	5	demographic	demographic	ADJ
fsr-3321	63	6	characteristics	characteristic	NOUN
fsr-3321	63	7	such	such	ADJ
fsr-3321	63	8	as	as	ADP
fsr-3321	63	9	gender	gender	NOUN
fsr-3321	63	10	,	,	PUNCT
fsr-3321	63	11	marital	marital	ADJ
fsr-3321	63	12	status	status	NOUN
fsr-3321	63	13	,	,	PUNCT
fsr-3321	63	14	age	age	NOUN
fsr-3321	63	15	,	,	PUNCT
fsr-3321	63	16	and	and	CCONJ
fsr-3321	63	17	salary	salary	NOUN
fsr-3321	63	18	were	be	AUX
fsr-3321	63	19	significantly	significantly	ADV
fsr-3321	63	20	correlated	correlate	VERB
fsr-3321	63	21	as	as	ADV
fsr-3321	63	22	well	well	ADV
fsr-3321	63	23	.	.	PUNCT
fsr-3321	64	1	the	the	DET
fsr-3321	64	2	propensity	propensity	NOUN
fsr-3321	64	3	to	to	PART
fsr-3321	64	4	plan	plan	VERB
fsr-3321	64	5	is	be	AUX
fsr-3321	64	6	reported	report	VERB
fsr-3321	64	7	to	to	PART
fsr-3321	64	8	be	be	AUX
fsr-3321	64	9	positively	positively	ADV
fsr-3321	64	10	correlated	correlate	VERB
fsr-3321	64	11	with	with	ADP
fsr-3321	64	12	risk	risk	NOUN
fsr-3321	64	13	tolerance	tolerance	NOUN
fsr-3321	64	14	.	.	PUNCT
fsr-3321	65	1	the	the	DET
fsr-3321	65	2	authors	author	NOUN
fsr-3321	65	3	argue	argue	VERB
fsr-3321	65	4	that	that	SCONJ
fsr-3321	65	5	this	this	PRON
fsr-3321	65	6	might	might	AUX
fsr-3321	65	7	be	be	AUX
fsr-3321	65	8	“	"	PUNCT
fsr-3321	65	9	because	because	SCONJ
fsr-3321	65	10	planners	planner	NOUN
fsr-3321	65	11	are	be	AUX
fsr-3321	65	12	more	more	ADV
fsr-3321	65	13	financially	financially	ADV
fsr-3321	65	14	sophisticated	sophisticated	ADJ
fsr-3321	65	15	and	and	CCONJ
fsr-3321	65	16	understanding	understanding	NOUN
fsr-3321	65	17	of	of	ADP
fsr-3321	65	18	the	the	DET
fsr-3321	65	19	fact	fact	NOUN
fsr-3321	65	20	that	that	SCONJ
fsr-3321	65	21	some	some	DET
fsr-3321	65	22	risk	risk	NOUN
fsr-3321	65	23	-	-	PUNCT
fsr-3321	65	24	taking	taking	NOUN
fsr-3321	65	25	is	be	AUX
fsr-3321	65	26	appropriate	appropriate	ADJ
fsr-3321	65	27	in	in	ADP
fsr-3321	65	28	a	a	DET
fsr-3321	65	29	preretirement	preretirement	ADJ
fsr-3321	65	30	portfolio	portfolio	NOUN
fsr-3321	65	31	.	.	PUNCT
fsr-3321	65	32	”	"	PUNCT
fsr-3321	66	1	kim	kim	PROPN
fsr-3321	66	2	and	and	CCONJ
fsr-3321	66	3	hanna	hanna	PROPN
fsr-3321	66	4	(	(	PUNCT
fsr-3321	66	5	2015	2015	NUM
fsr-3321	66	6	)	)	PUNCT
fsr-3321	66	7	find	find	VERB
fsr-3321	66	8	that	that	SCONJ
fsr-3321	66	9	those	those	PRON
fsr-3321	66	10	with	with	ADP
fsr-3321	66	11	both	both	CCONJ
fsr-3321	66	12	defined	define	VERB
fsr-3321	66	13	benefit	benefit	NOUN
fsr-3321	66	14	and	and	CCONJ
fsr-3321	66	15	defined	define	VERB
fsr-3321	66	16	contribution	contribution	NOUN
fsr-3321	66	17	plans	plan	NOUN
fsr-3321	66	18	are	be	AUX
fsr-3321	66	19	unrealistic	unrealistic	ADJ
fsr-3321	66	20	about	about	ADP
fsr-3321	66	21	their	their	PRON
fsr-3321	66	22	future	future	ADJ
fsr-3321	66	23	retirement	retirement	NOUN
fsr-3321	66	24	income	income	NOUN
fsr-3321	66	25	,	,	PUNCT
fsr-3321	66	26	and	and	CCONJ
fsr-3321	66	27	their	their	PRON
fsr-3321	66	28	objective	objective	ADJ
fsr-3321	66	29	inadequacy	inadequacy	NOUN
fsr-3321	66	30	increases	increase	VERB
fsr-3321	66	31	with	with	ADP
fsr-3321	66	32	age	age	NOUN
fsr-3321	66	33	.	.	PUNCT
fsr-3321	67	1	they	they	PRON
fsr-3321	67	2	also	also	ADV
fsr-3321	67	3	find	find	VERB
fsr-3321	67	4	that	that	SCONJ
fsr-3321	67	5	those	those	PRON
fsr-3321	67	6	without	without	ADP
fsr-3321	67	7	plans	plan	NOUN
fsr-3321	67	8	are	be	AUX
fsr-3321	67	9	less	less	ADV
fsr-3321	67	10	realistic	realistic	ADJ
fsr-3321	67	11	than	than	ADP
fsr-3321	67	12	those	those	PRON
fsr-3321	67	13	with	with	ADP
fsr-3321	67	14	retirement	retirement	NOUN
fsr-3321	67	15	savings	saving	NOUN
fsr-3321	67	16	.	.	PUNCT
fsr-3321	68	1	households	household	NOUN
fsr-3321	68	2	willing	willing	ADJ
fsr-3321	68	3	to	to	PART
fsr-3321	68	4	take	take	VERB
fsr-3321	68	5	on	on	ADP
fsr-3321	68	6	above	above	ADP
fsr-3321	68	7	-	-	PUNCT
fsr-3321	68	8	average	average	NOUN
fsr-3321	68	9	investment	investment	NOUN
fsr-3321	68	10	risk	risk	NOUN
fsr-3321	68	11	are	be	AUX
fsr-3321	68	12	overly	overly	ADV
fsr-3321	68	13	optimistic	optimistic	ADJ
fsr-3321	68	14	about	about	ADP
fsr-3321	68	15	retirement	retirement	NOUN
fsr-3321	68	16	adequacy	adequacy	NOUN
fsr-3321	68	17	.	.	PUNCT
fsr-3321	69	1	those	those	PRON
fsr-3321	69	2	with	with	ADP
fsr-3321	69	3	higher	high	ADJ
fsr-3321	69	4	education	education	NOUN
fsr-3321	69	5	and	and	CCONJ
fsr-3321	69	6	financial	financial	ADJ
fsr-3321	69	7	experience	experience	NOUN
fsr-3321	69	8	are	be	AUX
fsr-3321	69	9	more	more	ADV
fsr-3321	69	10	likely	likely	ADJ
fsr-3321	69	11	to	to	PART
fsr-3321	69	12	have	have	VERB
fsr-3321	69	13	realistic	realistic	ADJ
fsr-3321	69	14	estimates	estimate	NOUN
fsr-3321	69	15	of	of	ADP
fsr-3321	69	16	retirement	retirement	NOUN
fsr-3321	69	17	income	income	NOUN
fsr-3321	69	18	,	,	PUNCT
fsr-3321	69	19	but	but	CCONJ
fsr-3321	69	20	the	the	DET
fsr-3321	69	21	use	use	NOUN
fsr-3321	69	22	of	of	ADP
fsr-3321	69	23	a	a	DET
fsr-3321	69	24	financial	financial	ADJ
fsr-3321	69	25	planner	planner	NOUN
fsr-3321	69	26	does	do	AUX
fsr-3321	69	27	not	not	PART
fsr-3321	69	28	have	have	VERB
fsr-3321	69	29	the	the	DET
fsr-3321	69	30	same	same	ADJ
fsr-3321	69	31	benefit	benefit	NOUN
fsr-3321	69	32	.	.	PUNCT
fsr-3321	70	1	studies	study	NOUN
fsr-3321	70	2	examining	examine	VERB
fsr-3321	70	3	investment	investment	NOUN
fsr-3321	70	4	choices	choice	NOUN
fsr-3321	70	5	indicate	indicate	VERB
fsr-3321	70	6	that	that	SCONJ
fsr-3321	70	7	while	while	SCONJ
fsr-3321	70	8	rationally	rationally	ADV
fsr-3321	70	9	the	the	DET
fsr-3321	70	10	investment	investment	NOUN
fsr-3321	70	11	allocation	allocation	NOUN
fsr-3321	70	12	for	for	ADP
fsr-3321	70	13	retirement	retirement	NOUN
fsr-3321	70	14	should	should	AUX
fsr-3321	70	15	be	be	AUX
fsr-3321	70	16	driven	drive	VERB
fsr-3321	70	17	by	by	ADP
fsr-3321	70	18	the	the	DET
fsr-3321	70	19	investment	investment	NOUN
fsr-3321	70	20	horizon	horizon	NOUN
fsr-3321	70	21	and	and	CCONJ
fsr-3321	70	22	,	,	PUNCT
fsr-3321	70	23	thus	thus	ADV
fsr-3321	70	24	,	,	PUNCT
fsr-3321	70	25	tilted	tilt	VERB
fsr-3321	70	26	towards	towards	ADP
fsr-3321	70	27	equity	equity	NOUN
fsr-3321	70	28	for	for	ADP
fsr-3321	70	29	young	young	ADJ
fsr-3321	70	30	employees	employee	NOUN
fsr-3321	70	31	,	,	PUNCT
fsr-3321	70	32	the	the	DET
fsr-3321	70	33	reality	reality	NOUN
fsr-3321	70	34	is	be	AUX
fsr-3321	70	35	different	different	ADJ
fsr-3321	70	36	.	.	PUNCT
fsr-3321	71	1	similar	similar	ADJ
fsr-3321	71	2	to	to	ADP
fsr-3321	71	3	findings	finding	NOUN
fsr-3321	71	4	by	by	ADP
fsr-3321	71	5	choi	choi	PROPN
fsr-3321	71	6	et	et	PROPN
fsr-3321	71	7	al	al	PROPN
fsr-3321	71	8	.	.	PROPN
fsr-3321	72	1	(	(	PUNCT
fsr-3321	72	2	2004	2004	NUM
fsr-3321	72	3	)	)	PUNCT
fsr-3321	72	4	,	,	PUNCT
fsr-3321	72	5	the	the	DET
fsr-3321	72	6	hypothetical	hypothetical	ADJ
fsr-3321	72	7	allocation	allocation	NOUN
fsr-3321	72	8	experiment	experiment	NOUN
fsr-3321	72	9	organized	organize	VERB
fsr-3321	72	10	by	by	ADP
fsr-3321	72	11	benartzi	benartzi	NOUN
fsr-3321	72	12	and	and	CCONJ
fsr-3321	72	13	thaler	thaler	PROPN
fsr-3321	72	14	(	(	PUNCT
fsr-3321	72	15	2001	2001	NUM
fsr-3321	72	16	)	)	PUNCT
fsr-3321	72	17	showed	show	VERB
fsr-3321	72	18	that	that	SCONJ
fsr-3321	72	19	university	university	NOUN
fsr-3321	72	20	of	of	ADP
fsr-3321	72	21	california	california	PROPN
fsr-3321	72	22	employees	employee	NOUN
fsr-3321	72	23	make	make	VERB
fsr-3321	72	24	the	the	DET
fsr-3321	72	25	asset	asset	NOUN
fsr-3321	72	26	allocation	allocation	NOUN
fsr-3321	72	27	choice	choice	NOUN
fsr-3321	72	28	based	base	VERB
fsr-3321	72	29	on	on	ADP
fsr-3321	72	30	the	the	DET
fsr-3321	72	31	funds	fund	NOUN
fsr-3321	72	32	available	available	ADJ
fsr-3321	72	33	in	in	ADP
fsr-3321	72	34	the	the	DET
fsr-3321	72	35	plan	plan	NOUN
fsr-3321	72	36	menu	menu	NOUN
fsr-3321	72	37	.	.	PUNCT
fsr-3321	73	1	an	an	DET
fsr-3321	73	2	earlier	early	ADV
fsr-3321	73	3	tiaa	tiaa	ADJ
fsr-3321	73	4	-	-	PUNCT
fsr-3321	73	5	cref	cref	NOUN
fsr-3321	73	6	study	study	NOUN
fsr-3321	73	7	finds	find	VERB
fsr-3321	73	8	that	that	SCONJ
fsr-3321	73	9	participants	participant	NOUN
fsr-3321	73	10	also	also	ADV
fsr-3321	73	11	do	do	AUX
fsr-3321	73	12	not	not	PART
fsr-3321	73	13	adjust	adjust	VERB
fsr-3321	73	14	their	their	PRON
fsr-3321	73	15	asset	asset	NOUN
fsr-3321	73	16	allocation	allocation	NOUN
fsr-3321	73	17	with	with	ADP
fsr-3321	73	18	age	age	NOUN
fsr-3321	73	19	,	,	PUNCT
fsr-3321	73	20	which	which	PRON
fsr-3321	73	21	may	may	AUX
fsr-3321	73	22	result	result	VERB
fsr-3321	73	23	in	in	ADP
fsr-3321	73	24	an	an	DET
fsr-3321	73	25	overly	overly	ADV
fsr-3321	73	26	risky	risky	ADJ
fsr-3321	73	27	portfolio	portfolio	NOUN
fsr-3321	73	28	.	.	PUNCT
fsr-3321	74	1	at	at	ADP
fsr-3321	74	2	the	the	DET
fsr-3321	74	3	plan	plan	NOUN
fsr-3321	74	4	design	design	NOUN
fsr-3321	74	5	level	level	NOUN
fsr-3321	74	6	,	,	PUNCT
fsr-3321	74	7	angus	angus	NOUN
fsr-3321	74	8	et	et	PROPN
fsr-3321	74	9	al	al	PROPN
fsr-3321	74	10	.	.	PROPN
fsr-3321	75	1	(	(	PUNCT
fsr-3321	75	2	2008	2008	NUM
fsr-3321	75	3	)	)	PUNCT
fsr-3321	75	4	argue	argue	VERB
fsr-3321	75	5	that	that	SCONJ
fsr-3321	75	6	the	the	DET
fsr-3321	75	7	set	set	NOUN
fsr-3321	75	8	-	-	PUNCT
fsr-3321	75	9	up	up	NOUN
fsr-3321	75	10	of	of	ADP
fsr-3321	75	11	403(b	403(b	NOUN
fsr-3321	75	12	)	)	PUNCT
fsr-3321	75	13	plans	plan	NOUN
fsr-3321	75	14	may	may	AUX
fsr-3321	75	15	also	also	ADV
fsr-3321	75	16	have	have	VERB
fsr-3321	75	17	a	a	DET
fsr-3321	75	18	negative	negative	ADJ
fsr-3321	75	19	impact	impact	NOUN
fsr-3321	75	20	on	on	ADP
fsr-3321	75	21	the	the	DET
fsr-3321	75	22	participants	participant	NOUN
fsr-3321	75	23	’	'	PUNCT
fsr-3321	75	24	decisions	decision	NOUN
fsr-3321	75	25	.	.	PUNCT
fsr-3321	76	1	the	the	DET
fsr-3321	76	2	authors	author	NOUN
fsr-3321	76	3	study	study	VERB
fsr-3321	76	4	the	the	DET
fsr-3321	76	5	efficiency	efficiency	NOUN
fsr-3321	76	6	of	of	ADP
fsr-3321	76	7	tiaa	tiaa	NOUN
fsr-3321	76	8	-	-	PUNCT
fsr-3321	76	9	cref	cref	NOUN
fsr-3321	76	10	,	,	PUNCT
fsr-3321	76	11	the	the	DET
fsr-3321	76	12	largest	large	ADJ
fsr-3321	76	13	provider	provider	NOUN
fsr-3321	76	14	of	of	ADP
fsr-3321	76	15	education	education	NOUN
fsr-3321	76	16	institutions	institution	NOUN
fsr-3321	76	17	’	'	PUNCT
fsr-3321	76	18	403(b	403(b	NOUN
fsr-3321	76	19	)	)	PUNCT
fsr-3321	76	20	plans	plan	NOUN
fsr-3321	76	21	,	,	PUNCT
fsr-3321	76	22	to	to	PART
fsr-3321	76	23	show	show	VERB
fsr-3321	76	24	that	that	SCONJ
fsr-3321	76	25	participants	participant	NOUN
fsr-3321	76	26	could	could	AUX
fsr-3321	76	27	be	be	AUX
fsr-3321	76	28	about	about	ADV
fsr-3321	76	29	40	40	NUM
fsr-3321	76	30	%	%	NOUN
fsr-3321	76	31	better	well	ADV
fsr-3321	76	32	off	off	ADV
fsr-3321	76	33	in	in	ADP
fsr-3321	76	34	terms	term	NOUN
fsr-3321	76	35	of	of	ADP
fsr-3321	76	36	wealth	wealth	NOUN
fsr-3321	76	37	when	when	SCONJ
fsr-3321	76	38	investment	investment	NOUN
fsr-3321	76	39	choices	choice	NOUN
fsr-3321	76	40	are	be	AUX
fsr-3321	76	41	not	not	PART
fsr-3321	76	42	restricted	restrict	VERB
fsr-3321	76	43	only	only	ADV
fsr-3321	76	44	to	to	ADP
fsr-3321	76	45	tiaa	tiaa	ADJ
fsr-3321	76	46	-	-	PUNCT
fsr-3321	76	47	cref	cref	NOUN
fsr-3321	76	48	retirement	retirement	NOUN
fsr-3321	76	49	annuities	annuity	NOUN
fsr-3321	76	50	.	.	PUNCT
fsr-3321	77	1	a	a	DET
fsr-3321	77	2	small	small	ADJ
fsr-3321	77	3	portion	portion	NOUN
fsr-3321	77	4	of	of	ADP
fsr-3321	77	5	u.s	u.s	PROPN
fsr-3321	77	6	.	.	PROPN
fsr-3321	77	7	employees	employee	NOUN
fsr-3321	77	8	have	have	VERB
fsr-3321	77	9	a	a	DET
fsr-3321	77	10	generous	generous	ADJ
fsr-3321	77	11	employer	employer	NOUN
fsr-3321	77	12	contribution	contribution	NOUN
fsr-3321	77	13	that	that	PRON
fsr-3321	77	14	does	do	AUX
fsr-3321	77	15	not	not	PART
fsr-3321	77	16	call	call	VERB
fsr-3321	77	17	for	for	ADP
fsr-3321	77	18	employee	employee	NOUN
fsr-3321	77	19	participation	participation	NOUN
fsr-3321	77	20	.	.	PUNCT
fsr-3321	78	1	our	our	PRON
fsr-3321	78	2	sample	sample	NOUN
fsr-3321	78	3	gives	give	VERB
fsr-3321	78	4	us	we	PRON
fsr-3321	78	5	the	the	DET
fsr-3321	78	6	unique	unique	ADJ
fsr-3321	78	7	opportunity	opportunity	NOUN
fsr-3321	78	8	to	to	PART
fsr-3321	78	9	study	study	VERB
fsr-3321	78	10	a	a	DET
fsr-3321	78	11	plan	plan	NOUN
fsr-3321	78	12	in	in	ADP
fsr-3321	78	13	which	which	PRON
fsr-3321	78	14	the	the	DET
fsr-3321	78	15	employer	employer	NOUN
fsr-3321	78	16	contributes	contribute	VERB
fsr-3321	78	17	to	to	ADP
fsr-3321	78	18	a	a	DET
fsr-3321	78	19	separate	separate	ADJ
fsr-3321	78	20	employee	employee	NOUN
fsr-3321	78	21	retirement	retirement	NOUN
fsr-3321	78	22	plan	plan	NOUN
fsr-3321	78	23	and	and	CCONJ
fsr-3321	78	24	that	that	DET
fsr-3321	78	25	contribution	contribution	NOUN
fsr-3321	78	26	is	be	AUX
fsr-3321	78	27	significant	significant	ADJ
fsr-3321	78	28	.	.	PUNCT
fsr-3321	79	1	this	this	DET
fsr-3321	79	2	separate	separate	ADJ
fsr-3321	79	3	plan	plan	NOUN
fsr-3321	79	4	can	can	AUX
fsr-3321	79	5	be	be	AUX
fsr-3321	79	6	invested	invest	VERB
fsr-3321	79	7	differently	differently	ADV
fsr-3321	79	8	than	than	ADP
fsr-3321	79	9	the	the	DET
fsr-3321	79	10	same	same	ADJ
fsr-3321	79	11	employee	employee	NOUN
fsr-3321	79	12	’s	’s	PART
fsr-3321	79	13	403(b	403(b	PROPN
fsr-3321	79	14	)	)	PUNCT
fsr-3321	79	15	account	account	NOUN
fsr-3321	79	16	.	.	PUNCT
fsr-3321	80	1	a	a	DET
fsr-3321	80	2	house	house	NOUN
fsr-3321	80	3	money	money	NOUN
fsr-3321	80	4	effect	effect	NOUN
fsr-3321	80	5	has	have	AUX
fsr-3321	80	6	been	be	AUX
fsr-3321	80	7	documented	document	VERB
fsr-3321	80	8	by	by	ADP
fsr-3321	80	9	a	a	DET
fsr-3321	80	10	number	number	NOUN
fsr-3321	80	11	of	of	ADP
fsr-3321	80	12	studies	study	NOUN
fsr-3321	80	13	,	,	PUNCT
fsr-3321	80	14	such	such	ADJ
fsr-3321	80	15	as	as	ADP
fsr-3321	80	16	thaler	thaler	NOUN
fsr-3321	80	17	and	and	CCONJ
fsr-3321	80	18	johnson	johnson	PROPN
fsr-3321	80	19	(	(	PUNCT
fsr-3321	80	20	1990	1990	NUM
fsr-3321	80	21	)	)	PUNCT
fsr-3321	80	22	.	.	PUNCT
fsr-3321	81	1	the	the	DET
fsr-3321	81	2	employer	employer	NOUN
fsr-3321	81	3	contribution	contribution	NOUN
fsr-3321	81	4	may	may	AUX
fsr-3321	81	5	be	be	AUX
fsr-3321	81	6	viewed	view	VERB
fsr-3321	81	7	as	as	ADP
fsr-3321	81	8	the	the	DET
fsr-3321	81	9	house	house	NOUN
fsr-3321	81	10	money	money	NOUN
fsr-3321	81	11	.	.	PUNCT
fsr-3321	82	1	employees	employee	NOUN
fsr-3321	82	2	may	may	AUX
fsr-3321	82	3	be	be	AUX
fsr-3321	82	4	more	more	ADV
fsr-3321	82	5	willing	willing	ADJ
fsr-3321	82	6	to	to	PART
fsr-3321	82	7	take	take	VERB
fsr-3321	82	8	risk	risk	NOUN
fsr-3321	82	9	with	with	ADP
fsr-3321	82	10	the	the	DET
fsr-3321	82	11	employer	employer	NOUN
fsr-3321	82	12	money	money	NOUN
fsr-3321	82	13	than	than	ADP
fsr-3321	82	14	their	their	PRON
fsr-3321	82	15	own	own	ADJ
fsr-3321	82	16	salary	salary	NOUN
fsr-3321	82	17	reduction	reduction	NOUN
fsr-3321	82	18	contribution	contribution	NOUN
fsr-3321	82	19	to	to	ADP
fsr-3321	82	20	the	the	DET
fsr-3321	82	21	403(b	403(b	PROPN
fsr-3321	82	22	)	)	PUNCT
fsr-3321	82	23	account	account	NOUN
fsr-3321	82	24	when	when	SCONJ
fsr-3321	82	25	there	there	PRON
fsr-3321	82	26	is	be	VERB
fsr-3321	82	27	an	an	DET
fsr-3321	82	28	easy	easy	ADJ
fsr-3321	82	29	way	way	NOUN
fsr-3321	82	30	to	to	PART
fsr-3321	82	31	separate	separate	VERB
fsr-3321	82	32	the	the	DET
fsr-3321	82	33	two	two	NUM
fsr-3321	82	34	accounts	account	NOUN
fsr-3321	82	35	and	and	CCONJ
fsr-3321	82	36	invest	invest	VERB
fsr-3321	82	37	them	they	PRON
fsr-3321	82	38	independently	independently	ADV
fsr-3321	82	39	of	of	ADP
fsr-3321	82	40	each	each	DET
fsr-3321	82	41	other	other	ADJ
fsr-3321	82	42	.	.	PUNCT
fsr-3321	83	1	our	our	PRON
fsr-3321	83	2	study	study	NOUN
fsr-3321	83	3	focuses	focus	VERB
fsr-3321	83	4	on	on	ADP
fsr-3321	83	5	the	the	DET
fsr-3321	83	6	differences	difference	NOUN
fsr-3321	83	7	244	244	NUM
fsr-3321	83	8	a.	a.	NOUN
fsr-3321	83	9	anthony	anthony	PROPN
fsr-3321	83	10	et	et	PROPN
fsr-3321	83	11	al	al	PROPN
fsr-3321	83	12	.	.	PUNCT
fsr-3321	84	1	/	/	SYM
fsr-3321	84	2	financial	financial	ADJ
fsr-3321	84	3	services	service	NOUN
fsr-3321	84	4	review	review	VERB
fsr-3321	84	5	26	26	NUM
fsr-3321	84	6	(	(	PUNCT
fsr-3321	84	7	2017	2017	NUM
fsr-3321	84	8	)	)	PUNCT
fsr-3321	84	9	241–254	241–254	NUM
fsr-3321	84	10	in	in	ADP
fsr-3321	84	11	investment	investment	NOUN
fsr-3321	84	12	decisions	decision	NOUN
fsr-3321	84	13	between	between	ADP
fsr-3321	84	14	the	the	DET
fsr-3321	84	15	two	two	NUM
fsr-3321	84	16	types	type	NOUN
fsr-3321	84	17	of	of	ADP
fsr-3321	84	18	accounts	account	NOUN
fsr-3321	84	19	and	and	CCONJ
fsr-3321	84	20	the	the	DET
fsr-3321	84	21	sources	source	NOUN
fsr-3321	84	22	of	of	ADP
fsr-3321	84	23	funds	fund	NOUN
fsr-3321	84	24	:	:	PUNCT
fsr-3321	84	25	the	the	DET
fsr-3321	84	26	“	"	PUNCT
fsr-3321	84	27	free	free	ADJ
fsr-3321	84	28	money	money	NOUN
fsr-3321	84	29	”	"	PUNCT
fsr-3321	84	30	and	and	CCONJ
fsr-3321	84	31	the	the	DET
fsr-3321	84	32	“	"	PUNCT
fsr-3321	84	33	earned	earn	VERB
fsr-3321	84	34	money	money	NOUN
fsr-3321	84	35	.	.	PUNCT
fsr-3321	84	36	”	"	PUNCT
fsr-3321	85	1	we	we	PRON
fsr-3321	85	2	examine	examine	VERB
fsr-3321	85	3	investment	investment	NOUN
fsr-3321	85	4	choices	choice	NOUN
fsr-3321	85	5	of	of	ADP
fsr-3321	85	6	university	university	NOUN
fsr-3321	85	7	employees	employee	NOUN
fsr-3321	85	8	within	within	ADP
fsr-3321	85	9	the	the	DET
fsr-3321	85	10	context	context	NOUN
fsr-3321	85	11	of	of	ADP
fsr-3321	85	12	lopes	lope	NOUN
fsr-3321	85	13	’	'	PUNCT
fsr-3321	85	14	(	(	PUNCT
fsr-3321	85	15	1987	1987	NUM
fsr-3321	85	16	)	)	PUNCT
fsr-3321	85	17	sp	sp	NOUN
fsr-3321	85	18	/	/	SYM
fsr-3321	85	19	a	a	DET
fsr-3321	85	20	theory	theory	NOUN
fsr-3321	85	21	.	.	PUNCT
fsr-3321	86	1	a	a	DET
fsr-3321	86	2	psychological	psychological	ADJ
fsr-3321	86	3	framework	framework	NOUN
fsr-3321	86	4	that	that	PRON
fsr-3321	86	5	examines	examine	VERB
fsr-3321	86	6	decision	decision	NOUN
fsr-3321	86	7	making	make	VERB
fsr-3321	86	8	under	under	ADP
fsr-3321	86	9	uncertainty	uncertainty	NOUN
fsr-3321	86	10	,	,	PUNCT
fsr-3321	86	11	the	the	DET
fsr-3321	86	12	framework	framework	NOUN
fsr-3321	86	13	attempts	attempt	VERB
fsr-3321	86	14	to	to	PART
fsr-3321	86	15	balance	balance	VERB
fsr-3321	86	16	the	the	DET
fsr-3321	86	17	feeling	feeling	NOUN
fsr-3321	86	18	of	of	ADP
fsr-3321	86	19	security	security	NOUN
fsr-3321	86	20	(	(	PUNCT
fsr-3321	86	21	s	s	NOUN
fsr-3321	86	22	)	)	PUNCT
fsr-3321	86	23	with	with	ADP
fsr-3321	86	24	aspirational	aspirational	ADJ
fsr-3321	86	25	levels	level	NOUN
fsr-3321	86	26	(	(	PUNCT
fsr-3321	86	27	a	a	X
fsr-3321	86	28	)	)	PUNCT
fsr-3321	86	29	,	,	PUNCT
fsr-3321	86	30	or	or	CCONJ
fsr-3321	86	31	in	in	ADP
fsr-3321	86	32	our	our	PRON
fsr-3321	86	33	case	case	NOUN
fsr-3321	86	34	,	,	PUNCT
fsr-3321	86	35	the	the	DET
fsr-3321	86	36	goal	goal	NOUN
fsr-3321	86	37	of	of	ADP
fsr-3321	86	38	potential	potential	ADJ
fsr-3321	86	39	retirement	retirement	NOUN
fsr-3321	86	40	.	.	PUNCT
fsr-3321	87	1	the	the	DET
fsr-3321	87	2	theory	theory	NOUN
fsr-3321	87	3	predicts	predict	VERB
fsr-3321	87	4	that	that	SCONJ
fsr-3321	87	5	investors	investor	NOUN
fsr-3321	87	6	will	will	AUX
fsr-3321	87	7	try	try	VERB
fsr-3321	87	8	to	to	PART
fsr-3321	87	9	match	match	VERB
fsr-3321	87	10	their	their	PRON
fsr-3321	87	11	savings	saving	NOUN
fsr-3321	87	12	motives	motive	NOUN
fsr-3321	87	13	,	,	PUNCT
fsr-3321	87	14	such	such	ADJ
fsr-3321	87	15	as	as	ADP
fsr-3321	87	16	a	a	DET
fsr-3321	87	17	desire	desire	NOUN
fsr-3321	87	18	to	to	PART
fsr-3321	87	19	retire	retire	VERB
fsr-3321	87	20	,	,	PUNCT
fsr-3321	87	21	with	with	ADP
fsr-3321	87	22	their	their	PRON
fsr-3321	87	23	aspirational	aspirational	ADJ
fsr-3321	87	24	level	level	NOUN
fsr-3321	87	25	.	.	PUNCT
fsr-3321	88	1	thus	thus	ADV
fsr-3321	88	2	,	,	PUNCT
fsr-3321	88	3	the	the	DET
fsr-3321	88	4	investment	investment	NOUN
fsr-3321	88	5	behavior	behavior	NOUN
fsr-3321	88	6	of	of	ADP
fsr-3321	88	7	households	household	NOUN
fsr-3321	88	8	will	will	AUX
fsr-3321	88	9	relate	relate	VERB
fsr-3321	88	10	to	to	ADP
fsr-3321	88	11	their	their	PRON
fsr-3321	88	12	goal	goal	NOUN
fsr-3321	88	13	of	of	ADP
fsr-3321	88	14	a	a	DET
fsr-3321	88	15	successful	successful	ADJ
fsr-3321	88	16	retirement	retirement	NOUN
fsr-3321	88	17	.	.	PUNCT
fsr-3321	89	1	as	as	ADP
fsr-3321	89	2	such	such	ADJ
fsr-3321	89	3	,	,	PUNCT
fsr-3321	89	4	we	we	PRON
fsr-3321	89	5	expect	expect	VERB
fsr-3321	89	6	to	to	PART
fsr-3321	89	7	see	see	VERB
fsr-3321	89	8	employees	employee	NOUN
fsr-3321	89	9	maximizing	maximize	VERB
fsr-3321	89	10	their	their	PRON
fsr-3321	89	11	retirement	retirement	NOUN
fsr-3321	89	12	accounts	account	NOUN
fsr-3321	89	13	when	when	SCONJ
fsr-3321	89	14	the	the	DET
fsr-3321	89	15	employer	employer	NOUN
fsr-3321	89	16	is	be	AUX
fsr-3321	89	17	contributing	contribute	VERB
fsr-3321	89	18	while	while	SCONJ
fsr-3321	89	19	minimizing	minimize	VERB
fsr-3321	89	20	the	the	DET
fsr-3321	89	21	risk	risk	NOUN
fsr-3321	89	22	taken	take	VERB
fsr-3321	89	23	with	with	ADP
fsr-3321	89	24	their	their	PRON
fsr-3321	89	25	voluntary	voluntary	ADJ
fsr-3321	89	26	,	,	PUNCT
fsr-3321	89	27	salary	salary	NOUN
fsr-3321	89	28	reduction	reduction	NOUN
fsr-3321	89	29	investments	investment	NOUN
fsr-3321	89	30	.	.	PUNCT
fsr-3321	90	1	3	3	X
fsr-3321	90	2	.	.	X
fsr-3321	90	3	methodology	methodology	NOUN
fsr-3321	90	4	3.1	3.1	NUM
fsr-3321	90	5	.	.	PUNCT
fsr-3321	91	1	the	the	DET
fsr-3321	91	2	framework	framework	NOUN
fsr-3321	91	3	of	of	ADP
fsr-3321	91	4	the	the	DET
fsr-3321	91	5	retirement	retirement	NOUN
fsr-3321	91	6	system	system	NOUN
fsr-3321	91	7	oregon	oregon	PROPN
fsr-3321	91	8	state	state	PROPN
fsr-3321	91	9	university	university	PROPN
fsr-3321	91	10	is	be	AUX
fsr-3321	91	11	part	part	NOUN
fsr-3321	91	12	of	of	ADP
fsr-3321	91	13	the	the	DET
fsr-3321	91	14	oregon	oregon	PROPN
fsr-3321	91	15	public	public	ADJ
fsr-3321	91	16	universities	university	NOUN
fsr-3321	91	17	’	’	PART
fsr-3321	91	18	retirement	retirement	NOUN
fsr-3321	91	19	system	system	NOUN
fsr-3321	91	20	.	.	PUNCT
fsr-3321	92	1	upon	upon	SCONJ
fsr-3321	92	2	hire	hire	NOUN
fsr-3321	92	3	,	,	PUNCT
fsr-3321	92	4	academic	academic	ADJ
fsr-3321	92	5	and	and	CCONJ
fsr-3321	92	6	administrative	administrative	ADJ
fsr-3321	92	7	unclassified	unclassified	ADJ
fsr-3321	92	8	employees	employee	NOUN
fsr-3321	92	9	choose	choose	VERB
fsr-3321	92	10	between	between	ADP
fsr-3321	92	11	pers	per	NOUN
fsr-3321	92	12	,	,	PUNCT
fsr-3321	92	13	a	a	DET
fsr-3321	92	14	defined	define	VERB
fsr-3321	92	15	benefits	benefit	NOUN
fsr-3321	92	16	plan	plan	NOUN
fsr-3321	92	17	and	and	CCONJ
fsr-3321	92	18	orp,3	orp,3	ADP
fsr-3321	92	19	an	an	DET
fsr-3321	92	20	optional	optional	ADJ
fsr-3321	92	21	retirement	retirement	NOUN
fsr-3321	92	22	401(a	401(a	PROPN
fsr-3321	92	23	)	)	PUNCT
fsr-3321	92	24	plan	plan	NOUN
fsr-3321	92	25	that	that	PRON
fsr-3321	92	26	can	can	AUX
fsr-3321	92	27	be	be	AUX
fsr-3321	92	28	chosen	choose	VERB
fsr-3321	92	29	in	in	ADP
fsr-3321	92	30	lieu	lieu	NOUN
fsr-3321	92	31	of	of	ADP
fsr-3321	92	32	pers	per	NOUN
fsr-3321	92	33	.	.	PUNCT
fsr-3321	93	1	this	this	PRON
fsr-3321	93	2	is	be	AUX
fsr-3321	93	3	a	a	DET
fsr-3321	93	4	onetime	onetime	ADJ
fsr-3321	93	5	irrevocable	irrevocable	ADJ
fsr-3321	93	6	decision	decision	NOUN
fsr-3321	93	7	.	.	PUNCT
fsr-3321	94	1	the	the	DET
fsr-3321	94	2	employees	employee	NOUN
fsr-3321	94	3	are	be	AUX
fsr-3321	94	4	split	split	VERB
fsr-3321	94	5	into	into	ADP
fsr-3321	94	6	four	four	NUM
fsr-3321	94	7	tiers	tier	NOUN
fsr-3321	94	8	based	base	VERB
fsr-3321	94	9	on	on	ADP
fsr-3321	94	10	date	date	NOUN
fsr-3321	94	11	of	of	ADP
fsr-3321	94	12	hire	hire	NOUN
fsr-3321	94	13	.	.	PUNCT
fsr-3321	95	1	employer	employer	NOUN
fsr-3321	95	2	contribution	contribution	NOUN
fsr-3321	95	3	rules	rule	NOUN
fsr-3321	95	4	are	be	AUX
fsr-3321	95	5	driven	drive	VERB
fsr-3321	95	6	by	by	ADP
fsr-3321	95	7	the	the	DET
fsr-3321	95	8	tier	tier	NOUN
fsr-3321	95	9	.	.	PUNCT
fsr-3321	96	1	this	this	DET
fsr-3321	96	2	paper	paper	NOUN
fsr-3321	96	3	is	be	AUX
fsr-3321	96	4	focused	focus	VERB
fsr-3321	96	5	on	on	ADP
fsr-3321	96	6	the	the	DET
fsr-3321	96	7	orp	orp	PROPN
fsr-3321	96	8	population	population	NOUN
fsr-3321	96	9	only	only	ADV
fsr-3321	96	10	.	.	PUNCT
fsr-3321	97	1	there	there	PRON
fsr-3321	97	2	are	be	VERB
fsr-3321	97	3	two	two	NUM
fsr-3321	97	4	accounts	account	NOUN
fsr-3321	97	5	associated	associate	VERB
fsr-3321	97	6	with	with	ADP
fsr-3321	97	7	the	the	DET
fsr-3321	97	8	orp	orp	PROPN
fsr-3321	97	9	:	:	PUNCT
fsr-3321	97	10	the	the	DET
fsr-3321	97	11	employer	employer	NOUN
fsr-3321	97	12	’s	’s	X
fsr-3321	97	13	and	and	CCONJ
fsr-3321	97	14	the	the	DET
fsr-3321	97	15	employee	employee	NOUN
fsr-3321	97	16	’s	’s	PART
fsr-3321	97	17	.	.	PUNCT
fsr-3321	98	1	both	both	DET
fsr-3321	98	2	accounts	account	NOUN
fsr-3321	98	3	are	be	AUX
fsr-3321	98	4	funded	fund	VERB
fsr-3321	98	5	by	by	ADP
fsr-3321	98	6	the	the	DET
fsr-3321	98	7	employer	employer	NOUN
fsr-3321	98	8	.	.	PUNCT
fsr-3321	99	1	the	the	DET
fsr-3321	99	2	employer	employer	NOUN
fsr-3321	99	3	account	account	NOUN
fsr-3321	99	4	vests	vest	NOUN
fsr-3321	99	5	100	100	NUM
fsr-3321	99	6	%	%	NOUN
fsr-3321	99	7	after	after	ADP
fsr-3321	99	8	five	five	NUM
fsr-3321	99	9	years	year	NOUN
fsr-3321	99	10	of	of	ADP
fsr-3321	99	11	service	service	NOUN
fsr-3321	99	12	and	and	CCONJ
fsr-3321	99	13	the	the	DET
fsr-3321	99	14	employee	employee	NOUN
fsr-3321	99	15	account	account	NOUN
fsr-3321	99	16	is	be	AUX
fsr-3321	99	17	vested	vest	VERB
fsr-3321	99	18	immediately	immediately	ADV
fsr-3321	99	19	.	.	PUNCT
fsr-3321	100	1	for	for	ADP
fsr-3321	100	2	tier	tier	NOUN
fsr-3321	100	3	i	i	PROPN
fsr-3321	100	4	–	–	PUNCT
fsr-3321	100	5	iii	iii	NUM
fsr-3321	100	6	employees	employee	NOUN
fsr-3321	100	7	,	,	PUNCT
fsr-3321	100	8	the	the	DET
fsr-3321	100	9	employee	employee	NOUN
fsr-3321	100	10	account	account	NOUN
fsr-3321	100	11	consists	consist	VERB
fsr-3321	100	12	of	of	ADP
fsr-3321	100	13	a	a	DET
fsr-3321	100	14	6	6	NUM
fsr-3321	100	15	%	%	NOUN
fsr-3321	100	16	automatic	automatic	ADJ
fsr-3321	100	17	contribution	contribution	NOUN
fsr-3321	100	18	by	by	ADP
fsr-3321	100	19	the	the	DET
fsr-3321	100	20	employer	employer	NOUN
fsr-3321	100	21	into	into	ADP
fsr-3321	100	22	the	the	DET
fsr-3321	100	23	employee	employee	NOUN
fsr-3321	100	24	account	account	NOUN
fsr-3321	100	25	.	.	PUNCT
fsr-3321	101	1	this	this	PRON
fsr-3321	101	2	is	be	AUX
fsr-3321	101	3	not	not	PART
fsr-3321	101	4	an	an	DET
fsr-3321	101	5	elective	elective	ADJ
fsr-3321	101	6	employee	employee	NOUN
fsr-3321	101	7	salary	salary	NOUN
fsr-3321	101	8	reduction	reduction	NOUN
fsr-3321	101	9	.	.	PUNCT
fsr-3321	102	1	in	in	ADP
fsr-3321	102	2	other	other	ADJ
fsr-3321	102	3	words	word	NOUN
fsr-3321	102	4	,	,	PUNCT
fsr-3321	102	5	regardless	regardless	ADV
fsr-3321	102	6	of	of	ADP
fsr-3321	102	7	employee	employee	NOUN
fsr-3321	102	8	participation	participation	NOUN
fsr-3321	102	9	,	,	PUNCT
fsr-3321	102	10	the	the	DET
fsr-3321	102	11	employer	employer	NOUN
fsr-3321	102	12	contributes	contribute	VERB
fsr-3321	102	13	6	6	NUM
fsr-3321	102	14	%	%	NOUN
fsr-3321	102	15	on	on	ADP
fsr-3321	102	16	the	the	DET
fsr-3321	102	17	behalf	behalf	NOUN
fsr-3321	102	18	of	of	ADP
fsr-3321	102	19	the	the	DET
fsr-3321	102	20	employee	employee	NOUN
fsr-3321	102	21	and	and	CCONJ
fsr-3321	102	22	that	that	DET
fsr-3321	102	23	amount	amount	NOUN
fsr-3321	102	24	is	be	AUX
fsr-3321	102	25	vested	vest	VERB
fsr-3321	102	26	immediately	immediately	ADV
fsr-3321	102	27	.	.	PUNCT
fsr-3321	103	1	this	this	PRON
fsr-3321	103	2	is	be	AUX
fsr-3321	103	3	what	what	PRON
fsr-3321	103	4	we	we	PRON
fsr-3321	103	5	refer	refer	VERB
fsr-3321	103	6	to	to	ADP
fsr-3321	103	7	as	as	ADP
fsr-3321	103	8	“	"	PUNCT
fsr-3321	103	9	free	free	ADJ
fsr-3321	103	10	money	money	NOUN
fsr-3321	103	11	.	.	PUNCT
fsr-3321	103	12	”	"	PUNCT
fsr-3321	104	1	for	for	ADP
fsr-3321	104	2	tier	tier	NOUN
fsr-3321	104	3	iv	iv	NUM
fsr-3321	104	4	employees	employee	NOUN
fsr-3321	104	5	(	(	PUNCT
fsr-3321	104	6	hired	hire	VERB
fsr-3321	104	7	after	after	ADP
fsr-3321	104	8	july	july	PROPN
fsr-3321	104	9	1	1	NUM
fsr-3321	104	10	,	,	PUNCT
fsr-3321	104	11	2014	2014	NUM
fsr-3321	104	12	)	)	PUNCT
fsr-3321	104	13	,	,	PUNCT
fsr-3321	104	14	the	the	DET
fsr-3321	104	15	employee	employee	NOUN
fsr-3321	104	16	account	account	NOUN
fsr-3321	104	17	is	be	AUX
fsr-3321	104	18	called	call	VERB
fsr-3321	104	19	employer	employer	NOUN
fsr-3321	104	20	match	match	NOUN
fsr-3321	104	21	account	account	NOUN
fsr-3321	104	22	and	and	CCONJ
fsr-3321	104	23	consists	consist	VERB
fsr-3321	104	24	of	of	ADP
fsr-3321	104	25	1	1	NUM
fsr-3321	104	26	%	%	NOUN
fsr-3321	104	27	to	to	PART
fsr-3321	104	28	4	4	NUM
fsr-3321	104	29	%	%	NOUN
fsr-3321	104	30	,	,	PUNCT
fsr-3321	104	31	based	base	VERB
fsr-3321	104	32	on	on	ADP
fsr-3321	104	33	employee	employee	NOUN
fsr-3321	104	34	contribution	contribution	NOUN
fsr-3321	104	35	into	into	ADP
fsr-3321	104	36	the	the	DET
fsr-3321	104	37	tdi	tdi	PROPN
fsr-3321	104	38	403(b	403(b	PROPN
fsr-3321	104	39	)	)	PUNCT
fsr-3321	104	40	account	account	NOUN
fsr-3321	104	41	.	.	PUNCT
fsr-3321	105	1	unlike	unlike	ADP
fsr-3321	105	2	tiers	tier	NOUN
fsr-3321	105	3	i	i	PRON
fsr-3321	105	4	–	–	PUNCT
fsr-3321	105	5	iii	iii	PROPN
fsr-3321	105	6	,	,	PUNCT
fsr-3321	105	7	there	there	PRON
fsr-3321	105	8	is	be	VERB
fsr-3321	105	9	no	no	DET
fsr-3321	105	10	free	free	ADJ
fsr-3321	105	11	,	,	PUNCT
fsr-3321	105	12	immediately	immediately	ADV
fsr-3321	105	13	vested	vested	ADJ
fsr-3321	105	14	money	money	NOUN
fsr-3321	105	15	available	available	ADJ
fsr-3321	105	16	to	to	ADP
fsr-3321	105	17	employees	employee	NOUN
fsr-3321	105	18	unless	unless	SCONJ
fsr-3321	105	19	the	the	DET
fsr-3321	105	20	employee	employee	NOUN
fsr-3321	105	21	also	also	ADV
fsr-3321	105	22	contributes	contribute	VERB
fsr-3321	105	23	to	to	ADP
fsr-3321	105	24	the	the	DET
fsr-3321	105	25	403(b	403(b	PROPN
fsr-3321	105	26	)	)	PUNCT
fsr-3321	105	27	.	.	PUNCT
fsr-3321	106	1	once	once	ADV
fsr-3321	106	2	selected	select	VERB
fsr-3321	106	3	into	into	ADP
fsr-3321	106	4	the	the	DET
fsr-3321	106	5	orp	orp	PROPN
fsr-3321	106	6	,	,	PUNCT
fsr-3321	106	7	the	the	DET
fsr-3321	106	8	employees	employee	NOUN
fsr-3321	106	9	have	have	VERB
fsr-3321	106	10	a	a	DET
fsr-3321	106	11	choice	choice	NOUN
fsr-3321	106	12	between	between	ADP
fsr-3321	106	13	fidelity	fidelity	NOUN
fsr-3321	106	14	and	and	CCONJ
fsr-3321	106	15	tiaa	tiaa	NOUN
fsr-3321	106	16	-	-	PUNCT
fsr-3321	106	17	cref	cref	NOUN
fsr-3321	106	18	for	for	ADP
fsr-3321	106	19	their	their	PRON
fsr-3321	106	20	provider.4	provider.4	NOUN
fsr-3321	106	21	in	in	ADP
fsr-3321	106	22	addition	addition	NOUN
fsr-3321	106	23	to	to	ADP
fsr-3321	106	24	the	the	DET
fsr-3321	106	25	orp	orp	PROPN
fsr-3321	106	26	(	(	PUNCT
fsr-3321	106	27	or	or	CCONJ
fsr-3321	106	28	pers	per	NOUN
fsr-3321	106	29	)	)	PUNCT
fsr-3321	106	30	,	,	PUNCT
fsr-3321	106	31	the	the	DET
fsr-3321	106	32	participants	participant	NOUN
fsr-3321	106	33	may	may	AUX
fsr-3321	106	34	also	also	ADV
fsr-3321	106	35	elect	elect	VERB
fsr-3321	106	36	one	one	NUM
fsr-3321	106	37	of	of	ADP
fsr-3321	106	38	the	the	DET
fsr-3321	106	39	two	two	NUM
fsr-3321	106	40	voluntary	voluntary	ADJ
fsr-3321	106	41	retirement	retirement	NOUN
fsr-3321	106	42	plans	plan	NOUN
fsr-3321	106	43	,	,	PUNCT
fsr-3321	106	44	the	the	DET
fsr-3321	106	45	403(b	403(b	PROPN
fsr-3321	106	46	)	)	PUNCT
fsr-3321	106	47	or	or	CCONJ
fsr-3321	106	48	the	the	DET
fsr-3321	106	49	457	457	NUM
fsr-3321	106	50	.	.	PUNCT
fsr-3321	107	1	the	the	DET
fsr-3321	107	2	default	default	NOUN
fsr-3321	107	3	investment	investment	NOUN
fsr-3321	107	4	options	option	NOUN
fsr-3321	107	5	are	be	AUX
fsr-3321	107	6	a	a	DET
fsr-3321	107	7	money	money	NOUN
fsr-3321	107	8	market	market	NOUN
fsr-3321	107	9	account	account	NOUN
fsr-3321	107	10	for	for	ADP
fsr-3321	107	11	tiaa	tiaa	NOUN
fsr-3321	107	12	-	-	PUNCT
fsr-3321	107	13	cref	cref	NOUN
fsr-3321	107	14	and	and	CCONJ
fsr-3321	107	15	the	the	DET
fsr-3321	107	16	age	age	NOUN
fsr-3321	107	17	-	-	PUNCT
fsr-3321	107	18	appropriate	appropriate	ADJ
fsr-3321	107	19	,	,	PUNCT
fsr-3321	107	20	target	target	NOUN
fsr-3321	107	21	date	date	NOUN
fsr-3321	107	22	fund	fund	NOUN
fsr-3321	107	23	for	for	ADP
fsr-3321	107	24	fidelity	fidelity	NOUN
fsr-3321	107	25	.	.	PUNCT
fsr-3321	108	1	3.2	3.2	NUM
fsr-3321	108	2	.	.	PUNCT
fsr-3321	109	1	data	datum	NOUN
fsr-3321	109	2	description	description	NOUN
fsr-3321	109	3	we	we	PRON
fsr-3321	109	4	obtain	obtain	VERB
fsr-3321	109	5	investment	investment	NOUN
fsr-3321	109	6	account	account	NOUN
fsr-3321	109	7	data	datum	NOUN
fsr-3321	109	8	from	from	ADP
fsr-3321	109	9	oregon	oregon	PROPN
fsr-3321	109	10	state	state	PROPN
fsr-3321	109	11	university	university	PROPN
fsr-3321	109	12	as	as	ADP
fsr-3321	109	13	of	of	ADP
fsr-3321	109	14	december	december	PROPN
fsr-3321	109	15	2015	2015	NUM
fsr-3321	109	16	.	.	PUNCT
fsr-3321	110	1	the	the	DET
fsr-3321	110	2	data	datum	NOUN
fsr-3321	110	3	includes	include	VERB
fsr-3321	110	4	the	the	DET
fsr-3321	110	5	type	type	NOUN
fsr-3321	110	6	of	of	ADP
fsr-3321	110	7	account	account	NOUN
fsr-3321	110	8	:	:	PUNCT
fsr-3321	110	9	either	either	CCONJ
fsr-3321	110	10	tdi	tdi	PROPN
fsr-3321	110	11	,	,	PUNCT
fsr-3321	110	12	voluntary	voluntary	ADJ
fsr-3321	110	13	403(b	403(b	PROPN
fsr-3321	110	14	)	)	PUNCT
fsr-3321	110	15	,	,	PUNCT
fsr-3321	110	16	or	or	CCONJ
fsr-3321	110	17	the	the	DET
fsr-3321	110	18	401(a	401(a	PROPN
fsr-3321	110	19	)	)	PUNCT
fsr-3321	110	20	,	,	PUNCT
fsr-3321	110	21	orp	orp	PROPN
fsr-3321	110	22	.	.	PUNCT
fsr-3321	111	1	the	the	DET
fsr-3321	111	2	245a	245a	PROPN
fsr-3321	111	3	.	.	PUNCT
fsr-3321	112	1	anthony	anthony	PROPN
fsr-3321	112	2	et	et	PROPN
fsr-3321	112	3	al	al	PROPN
fsr-3321	112	4	.	.	PUNCT
fsr-3321	112	5	/	/	SYM
fsr-3321	112	6	financial	financial	ADJ
fsr-3321	112	7	services	service	NOUN
fsr-3321	112	8	review	review	VERB
fsr-3321	112	9	26	26	NUM
fsr-3321	112	10	(	(	PUNCT
fsr-3321	112	11	2017	2017	NUM
fsr-3321	112	12	)	)	PUNCT
fsr-3321	112	13	241–254	241–254	NUM
fsr-3321	112	14	data	datum	NOUN
fsr-3321	112	15	provides	provide	VERB
fsr-3321	112	16	investment	investment	NOUN
fsr-3321	112	17	fund	fund	NOUN
fsr-3321	112	18	and	and	CCONJ
fsr-3321	112	19	percentage	percentage	NOUN
fsr-3321	112	20	allocation	allocation	NOUN
fsr-3321	112	21	by	by	ADP
fsr-3321	112	22	employee	employee	NOUN
fsr-3321	112	23	.	.	PUNCT
fsr-3321	113	1	the	the	DET
fsr-3321	113	2	data	datum	NOUN
fsr-3321	113	3	are	be	AUX
fsr-3321	113	4	deidentified	deidentifie	VERB
fsr-3321	113	5	,	,	PUNCT
fsr-3321	113	6	but	but	CCONJ
fsr-3321	113	7	includes	include	VERB
fsr-3321	113	8	the	the	DET
fsr-3321	113	9	date	date	NOUN
fsr-3321	113	10	of	of	ADP
fsr-3321	113	11	hire	hire	NOUN
fsr-3321	113	12	,	,	PUNCT
fsr-3321	113	13	allowing	allow	VERB
fsr-3321	113	14	us	we	PRON
fsr-3321	113	15	to	to	PART
fsr-3321	113	16	identify	identify	VERB
fsr-3321	113	17	the	the	DET
fsr-3321	113	18	hiring	hire	VERB
fsr-3321	113	19	tiers	tier	NOUN
fsr-3321	113	20	,	,	PUNCT
fsr-3321	113	21	and	and	CCONJ
fsr-3321	113	22	the	the	DET
fsr-3321	113	23	current	current	ADJ
fsr-3321	113	24	age	age	NOUN
fsr-3321	113	25	of	of	ADP
fsr-3321	113	26	the	the	DET
fsr-3321	113	27	employee	employee	NOUN
fsr-3321	113	28	.	.	PUNCT
fsr-3321	114	1	we	we	PRON
fsr-3321	114	2	supplement	supplement	VERB
fsr-3321	114	3	the	the	DET
fsr-3321	114	4	data	datum	NOUN
fsr-3321	114	5	by	by	ADP
fsr-3321	114	6	looking	look	VERB
fsr-3321	114	7	at	at	ADP
fsr-3321	114	8	the	the	DET
fsr-3321	114	9	individual	individual	ADJ
fsr-3321	114	10	funds	fund	NOUN
fsr-3321	114	11	and	and	CCONJ
fsr-3321	114	12	adding	add	VERB
fsr-3321	114	13	the	the	DET
fsr-3321	114	14	asset	asset	NOUN
fsr-3321	114	15	class	class	NOUN
fsr-3321	114	16	,	,	PUNCT
fsr-3321	114	17	expense	expense	NOUN
fsr-3321	114	18	ratio	ratio	NOUN
fsr-3321	114	19	,	,	PUNCT
fsr-3321	114	20	and	and	CCONJ
fsr-3321	114	21	,	,	PUNCT
fsr-3321	114	22	where	where	SCONJ
fsr-3321	114	23	available	available	ADJ
fsr-3321	114	24	,	,	PUNCT
fsr-3321	114	25	sharpe	sharpe	PROPN
fsr-3321	114	26	ratio	ratio	NOUN
fsr-3321	114	27	,	,	PUNCT
fsr-3321	114	28	beta	beta	NOUN
fsr-3321	114	29	,	,	PUNCT
fsr-3321	114	30	and	and	CCONJ
fsr-3321	114	31	standard	standard	ADJ
fsr-3321	114	32	deviation	deviation	NOUN
fsr-3321	114	33	of	of	ADP
fsr-3321	114	34	each	each	DET
fsr-3321	114	35	fund	fund	NOUN
fsr-3321	114	36	in	in	ADP
fsr-3321	114	37	the	the	DET
fsr-3321	114	38	portfolio	portfolio	NOUN
fsr-3321	114	39	.	.	PUNCT
fsr-3321	115	1	our	our	PRON
fsr-3321	115	2	main	main	ADJ
fsr-3321	115	3	goal	goal	NOUN
fsr-3321	115	4	is	be	AUX
fsr-3321	115	5	to	to	PART
fsr-3321	115	6	compare	compare	VERB
fsr-3321	115	7	the	the	DET
fsr-3321	115	8	risk	risk	NOUN
fsr-3321	115	9	taken	take	VERB
fsr-3321	115	10	with	with	ADP
fsr-3321	115	11	one	one	NUM
fsr-3321	115	12	’s	’s	PART
fsr-3321	115	13	own	own	ADJ
fsr-3321	115	14	money	money	NOUN
fsr-3321	115	15	versus	versus	ADP
fsr-3321	115	16	the	the	DET
fsr-3321	115	17	employer	employer	NOUN
fsr-3321	115	18	money	money	NOUN
fsr-3321	115	19	.	.	PUNCT
fsr-3321	116	1	we	we	PRON
fsr-3321	116	2	use	use	VERB
fsr-3321	116	3	a	a	DET
fsr-3321	116	4	number	number	NOUN
fsr-3321	116	5	of	of	ADP
fsr-3321	116	6	measures	measure	NOUN
fsr-3321	116	7	of	of	ADP
fsr-3321	116	8	risk	risk	NOUN
fsr-3321	116	9	.	.	PUNCT
fsr-3321	117	1	first	first	ADV
fsr-3321	117	2	,	,	PUNCT
fsr-3321	117	3	we	we	PRON
fsr-3321	117	4	measure	measure	VERB
fsr-3321	117	5	risk	risk	NOUN
fsr-3321	117	6	using	use	VERB
fsr-3321	117	7	beta	beta	NOUN
fsr-3321	117	8	and	and	CCONJ
fsr-3321	117	9	standard	standard	ADJ
fsr-3321	117	10	deviation	deviation	NOUN
fsr-3321	117	11	.	.	PUNCT
fsr-3321	118	1	then	then	ADV
fsr-3321	118	2	,	,	PUNCT
fsr-3321	118	3	given	give	VERB
fsr-3321	118	4	data	data	NOUN
fsr-3321	118	5	limitations	limitation	NOUN
fsr-3321	118	6	of	of	ADP
fsr-3321	118	7	beta	beta	NOUN
fsr-3321	118	8	and	and	CCONJ
fsr-3321	118	9	standard	standard	ADJ
fsr-3321	118	10	deviation	deviation	NOUN
fsr-3321	118	11	within	within	ADP
fsr-3321	118	12	our	our	PRON
fsr-3321	118	13	sample	sample	NOUN
fsr-3321	118	14	,	,	PUNCT
fsr-3321	118	15	we	we	PRON
fsr-3321	118	16	also	also	ADV
fsr-3321	118	17	measure	measure	VERB
fsr-3321	118	18	risk	risk	NOUN
fsr-3321	118	19	using	use	VERB
fsr-3321	118	20	an	an	DET
fsr-3321	118	21	identifier	identifier	NOUN
fsr-3321	118	22	called	call	VERB
fsr-3321	118	23	risk	risk	NOUN
fsr-3321	118	24	tier	tier	NOUN
fsr-3321	118	25	,	,	PUNCT
fsr-3321	118	26	which	which	PRON
fsr-3321	118	27	we	we	PRON
fsr-3321	118	28	build	build	VERB
fsr-3321	118	29	based	base	VERB
fsr-3321	118	30	on	on	ADP
fsr-3321	118	31	the	the	DET
fsr-3321	118	32	perceived	perceive	VERB
fsr-3321	118	33	risk	risk	NOUN
fsr-3321	118	34	of	of	ADP
fsr-3321	118	35	the	the	DET
fsr-3321	118	36	asset	asset	NOUN
fsr-3321	118	37	class	class	NOUN
fsr-3321	118	38	.	.	PUNCT
fsr-3321	119	1	specifically	specifically	ADV
fsr-3321	119	2	,	,	PUNCT
fsr-3321	119	3	we	we	PRON
fsr-3321	119	4	assign	assign	VERB
fsr-3321	119	5	a	a	DET
fsr-3321	119	6	risk	risk	NOUN
fsr-3321	119	7	tier	tier	NOUN
fsr-3321	119	8	from	from	ADP
fsr-3321	119	9	1	1	NUM
fsr-3321	119	10	to	to	ADP
fsr-3321	119	11	6	6	NUM
fsr-3321	119	12	,	,	PUNCT
fsr-3321	119	13	where	where	SCONJ
fsr-3321	119	14	1	1	NUM
fsr-3321	119	15	is	be	AUX
fsr-3321	119	16	equivalent	equivalent	ADJ
fsr-3321	119	17	to	to	ADP
fsr-3321	119	18	the	the	DET
fsr-3321	119	19	least	least	ADJ
fsr-3321	119	20	risky	risky	ADJ
fsr-3321	119	21	investment	investment	NOUN
fsr-3321	119	22	,	,	PUNCT
fsr-3321	119	23	the	the	DET
fsr-3321	119	24	money	money	NOUN
fsr-3321	119	25	market	market	NOUN
fsr-3321	119	26	fund	fund	NOUN
fsr-3321	119	27	,	,	PUNCT
fsr-3321	119	28	and	and	CCONJ
fsr-3321	119	29	6	6	NUM
fsr-3321	119	30	is	be	AUX
fsr-3321	119	31	associated	associate	VERB
fsr-3321	119	32	with	with	ADP
fsr-3321	119	33	the	the	DET
fsr-3321	119	34	riskiest	risky	ADJ
fsr-3321	119	35	investment	investment	NOUN
fsr-3321	119	36	.	.	PUNCT
fsr-3321	120	1	tier	tier	NOUN
fsr-3321	120	2	vi	vi	PROPN
fsr-3321	120	3	includes	include	VERB
fsr-3321	120	4	the	the	DET
fsr-3321	120	5	sector	sector	NOUN
fsr-3321	120	6	specific	specific	ADJ
fsr-3321	120	7	fund	fund	NOUN
fsr-3321	120	8	for	for	ADP
fsr-3321	120	9	tiaa	tiaa	NOUN
fsr-3321	120	10	-	-	PUNCT
fsr-3321	120	11	cref	cref	NOUN
fsr-3321	120	12	and	and	CCONJ
fsr-3321	120	13	the	the	DET
fsr-3321	120	14	self	self	NOUN
fsr-3321	120	15	-	-	PUNCT
fsr-3321	120	16	directed	direct	VERB
fsr-3321	120	17	brokerage	brokerage	NOUN
fsr-3321	120	18	account	account	NOUN
fsr-3321	120	19	for	for	ADP
fsr-3321	120	20	fidelity	fidelity	NOUN
fsr-3321	120	21	,	,	PUNCT
fsr-3321	120	22	as	as	SCONJ
fsr-3321	120	23	detailed	detailed	ADJ
fsr-3321	120	24	in	in	ADP
fsr-3321	120	25	exhibit	exhibit	NOUN
fsr-3321	120	26	1	1	NUM
fsr-3321	120	27	.	.	PUNCT
fsr-3321	121	1	we	we	PRON
fsr-3321	121	2	develop	develop	VERB
fsr-3321	121	3	risk	risk	NOUN
fsr-3321	121	4	classifications	classification	NOUN
fsr-3321	121	5	based	base	VERB
fsr-3321	121	6	on	on	ADP
fsr-3321	121	7	the	the	DET
fsr-3321	121	8	weighted	weighted	ADJ
fsr-3321	121	9	average	average	NOUN
fsr-3321	121	10	of	of	ADP
fsr-3321	121	11	the	the	DET
fsr-3321	121	12	standard	standard	ADJ
fsr-3321	121	13	deviations	deviation	NOUN
fsr-3321	121	14	for	for	ADP
fsr-3321	121	15	the	the	DET
fsr-3321	121	16	funds	fund	NOUN
fsr-3321	121	17	in	in	ADP
fsr-3321	121	18	the	the	DET
fsr-3321	121	19	given	give	VERB
fsr-3321	121	20	category	category	NOUN
fsr-3321	121	21	.	.	PUNCT
fsr-3321	122	1	we	we	PRON
fsr-3321	122	2	understand	understand	VERB
fsr-3321	122	3	that	that	SCONJ
fsr-3321	122	4	these	these	DET
fsr-3321	122	5	risk	risk	NOUN
fsr-3321	122	6	tier	tier	NOUN
fsr-3321	122	7	classifications	classification	NOUN
fsr-3321	122	8	are	be	AUX
fsr-3321	122	9	not	not	PART
fsr-3321	122	10	perfectly	perfectly	ADV
fsr-3321	122	11	linear	linear	ADJ
fsr-3321	122	12	but	but	CCONJ
fsr-3321	122	13	feel	feel	VERB
fsr-3321	122	14	it	it	PRON
fsr-3321	122	15	is	be	AUX
fsr-3321	122	16	a	a	DET
fsr-3321	122	17	close	close	ADJ
fsr-3321	122	18	estimation	estimation	NOUN
fsr-3321	122	19	given	give	VERB
fsr-3321	122	20	the	the	DET
fsr-3321	122	21	data	datum	NOUN
fsr-3321	122	22	limitations.5	limitations.5	ADJ
fsr-3321	122	23	given	give	VERB
fsr-3321	122	24	the	the	DET
fsr-3321	122	25	limited	limited	ADJ
fsr-3321	122	26	investment	investment	NOUN
fsr-3321	122	27	information	information	NOUN
fsr-3321	122	28	obtained	obtain	VERB
fsr-3321	122	29	from	from	ADP
fsr-3321	122	30	the	the	DET
fsr-3321	122	31	retirement	retirement	NOUN
fsr-3321	122	32	plan	plan	NOUN
fsr-3321	122	33	providers	provider	NOUN
fsr-3321	122	34	,	,	PUNCT
fsr-3321	122	35	in	in	ADP
fsr-3321	122	36	addition	addition	NOUN
fsr-3321	122	37	to	to	ADP
fsr-3321	122	38	the	the	DET
fsr-3321	122	39	data	datum	NOUN
fsr-3321	122	40	obtained	obtain	VERB
fsr-3321	122	41	from	from	ADP
fsr-3321	122	42	the	the	DET
fsr-3321	122	43	two	two	NUM
fsr-3321	122	44	providers	provider	NOUN
fsr-3321	122	45	,	,	PUNCT
fsr-3321	122	46	we	we	PRON
fsr-3321	122	47	also	also	ADV
fsr-3321	122	48	conduct	conduct	VERB
fsr-3321	122	49	a	a	DET
fsr-3321	122	50	survey	survey	NOUN
fsr-3321	122	51	of	of	ADP
fsr-3321	122	52	tier	tier	NOUN
fsr-3321	122	53	iii	iii	NOUN
fsr-3321	122	54	and	and	CCONJ
fsr-3321	122	55	iv	iv	NUM
fsr-3321	122	56	employees	employee	NOUN
fsr-3321	122	57	regarding	regard	VERB
fsr-3321	122	58	their	their	PRON
fsr-3321	122	59	allocation	allocation	NOUN
fsr-3321	122	60	,	,	PUNCT
fsr-3321	122	61	perceptions	perception	NOUN
fsr-3321	122	62	about	about	ADP
fsr-3321	122	63	retirement	retirement	NOUN
fsr-3321	122	64	accounts	account	NOUN
fsr-3321	122	65	,	,	PUNCT
fsr-3321	122	66	and	and	CCONJ
fsr-3321	122	67	interest	interest	NOUN
fsr-3321	122	68	and	and	CCONJ
fsr-3321	122	69	comfort	comfort	NOUN
fsr-3321	122	70	with	with	ADP
fsr-3321	122	71	making	make	VERB
fsr-3321	122	72	investment	investment	NOUN
fsr-3321	122	73	choices	choice	NOUN
fsr-3321	122	74	.	.	PUNCT
fsr-3321	123	1	the	the	DET
fsr-3321	123	2	full	full	ADJ
fsr-3321	123	3	survey	survey	NOUN
fsr-3321	123	4	is	be	AUX
fsr-3321	123	5	available	available	ADJ
fsr-3321	123	6	upon	upon	SCONJ
fsr-3321	123	7	request	request	NOUN
fsr-3321	123	8	.	.	PUNCT
fsr-3321	124	1	our	our	PRON
fsr-3321	124	2	goal	goal	NOUN
fsr-3321	124	3	is	be	AUX
fsr-3321	124	4	to	to	PART
fsr-3321	124	5	better	well	ADV
fsr-3321	124	6	understand	understand	VERB
fsr-3321	124	7	how	how	SCONJ
fsr-3321	124	8	and	and	CCONJ
fsr-3321	124	9	why	why	SCONJ
fsr-3321	124	10	participants	participant	NOUN
fsr-3321	124	11	make	make	VERB
fsr-3321	124	12	their	their	PRON
fsr-3321	124	13	investment	investment	NOUN
fsr-3321	124	14	choices	choice	NOUN
fsr-3321	124	15	.	.	PUNCT
fsr-3321	125	1	the	the	DET
fsr-3321	125	2	survey	survey	NOUN
fsr-3321	125	3	was	be	AUX
fsr-3321	125	4	emailed	email	VERB
fsr-3321	125	5	to	to	ADP
fsr-3321	125	6	all	all	DET
fsr-3321	125	7	university	university	NOUN
fsr-3321	125	8	employees	employee	NOUN
fsr-3321	125	9	;	;	PUNCT
fsr-3321	125	10	312	312	NUM
fsr-3321	125	11	participants	participant	NOUN
fsr-3321	125	12	finished	finish	VERB
fsr-3321	125	13	the	the	DET
fsr-3321	125	14	survey	survey	NOUN
fsr-3321	125	15	.	.	PUNCT
fsr-3321	126	1	we	we	PRON
fsr-3321	126	2	draw	draw	VERB
fsr-3321	126	3	on	on	ADP
fsr-3321	126	4	some	some	PRON
fsr-3321	126	5	of	of	ADP
fsr-3321	126	6	the	the	DET
fsr-3321	126	7	answers	answer	NOUN
fsr-3321	126	8	to	to	PART
fsr-3321	126	9	compare	compare	VERB
fsr-3321	126	10	self	self	NOUN
fsr-3321	126	11	-	-	PUNCT
fsr-3321	126	12	reported	report	VERB
fsr-3321	126	13	data	datum	NOUN
fsr-3321	126	14	to	to	ADP
fsr-3321	126	15	the	the	DET
fsr-3321	126	16	actual	actual	ADJ
fsr-3321	126	17	data	datum	NOUN
fsr-3321	126	18	received	receive	VERB
fsr-3321	126	19	from	from	ADP
fsr-3321	126	20	the	the	DET
fsr-3321	126	21	vendors	vendor	NOUN
fsr-3321	126	22	.	.	PUNCT
fsr-3321	127	1	3.3	3.3	NUM
fsr-3321	127	2	.	.	PUNCT
fsr-3321	128	1	analysis	analysis	NOUN
fsr-3321	128	2	for	for	ADP
fsr-3321	128	3	the	the	DET
fsr-3321	128	4	multivariate	multivariate	NOUN
fsr-3321	128	5	analysis	analysis	NOUN
fsr-3321	128	6	,	,	PUNCT
fsr-3321	128	7	we	we	PRON
fsr-3321	128	8	use	use	VERB
fsr-3321	128	9	ordinary	ordinary	ADJ
fsr-3321	128	10	least	least	ADJ
fsr-3321	128	11	squares	square	NOUN
fsr-3321	128	12	regressions	regression	NOUN
fsr-3321	128	13	and	and	CCONJ
fsr-3321	128	14	apply	apply	VERB
fsr-3321	128	15	the	the	DET
fsr-3321	128	16	newey	newey	PROPN
fsr-3321	128	17	-	-	PUNCT
fsr-3321	128	18	west	west	PROPN
fsr-3321	128	19	correction	correction	NOUN
fsr-3321	128	20	for	for	ADP
fsr-3321	128	21	heteroscedasticity	heteroscedasticity	NOUN
fsr-3321	128	22	in	in	ADP
fsr-3321	128	23	the	the	DET
fsr-3321	128	24	residuals	residual	NOUN
fsr-3321	128	25	of	of	ADP
fsr-3321	128	26	each	each	DET
fsr-3321	128	27	linear	linear	ADJ
fsr-3321	128	28	regression	regression	NOUN
fsr-3321	128	29	model	model	NOUN
fsr-3321	128	30	.	.	PUNCT
fsr-3321	129	1	our	our	PRON
fsr-3321	129	2	model	model	NOUN
fsr-3321	129	3	is	be	AUX
fsr-3321	129	4	:	:	PUNCT
fsr-3321	129	5	risk	risk	NOUN
fsr-3321	129	6	�	�	PROPN
fsr-3321	129	7	�	�	PROPN
fsr-3321	129	8	�	�	PROPN
fsr-3321	129	9	�	�	PROPN
fsr-3321	129	10	1fidelitydummy	1fidelitydummy	PROPN
fsr-3321	129	11	�	�	PROPN
fsr-3321	129	12	�	�	PROPN
fsr-3321	129	13	2tdi	2tdi	PROPN
fsr-3321	129	14	403(b	403(b	PROPN
fsr-3321	129	15	)	)	PUNCT
fsr-3321	129	16	�	�	PROPN
fsr-3321	129	17	�	�	PROPN
fsr-3321	129	18	3age	3age	NUM
fsr-3321	129	19	�	�	PROPN
fsr-3321	129	20	�	�	PROPN
fsr-3321	129	21	4tier	4tier	PROPN
fsr-3321	129	22	�	�	PROPN
fsr-3321	129	23	ei	ei	X
fsr-3321	129	24	(	(	PUNCT
fsr-3321	129	25	1	1	X
fsr-3321	129	26	)	)	PUNCT
fsr-3321	129	27	exhibit	exhibit	VERB
fsr-3321	129	28	1	1	NUM
fsr-3321	129	29	:	:	PUNCT
fsr-3321	129	30	risk	risk	NOUN
fsr-3321	129	31	tier	tier	NOUN
fsr-3321	129	32	classification	classification	NOUN
fsr-3321	129	33	risk	risk	NOUN
fsr-3321	129	34	tier	tier	NOUN
fsr-3321	129	35	description	description	NOUN
fsr-3321	129	36	i	i	PRON
fsr-3321	129	37	money	money	VERB
fsr-3321	129	38	market	market	NOUN
fsr-3321	129	39	accounta	accounta	PROPN
fsr-3321	129	40	ii	ii	PROPN
fsr-3321	129	41	bond	bond	PROPN
fsr-3321	129	42	fund	fund	NOUN
fsr-3321	129	43	iii	iii	NUM
fsr-3321	129	44	balanced	balanced	ADJ
fsr-3321	129	45	fund	fund	NOUN
fsr-3321	129	46	(	(	PUNCT
fsr-3321	129	47	lifecycle	lifecycle	NOUN
fsr-3321	129	48	or	or	CCONJ
fsr-3321	129	49	target	target	NOUN
fsr-3321	129	50	date	date	NOUN
fsr-3321	129	51	fund	fund	NOUN
fsr-3321	129	52	)	)	PUNCT
fsr-3321	129	53	iv	iv	NUM
fsr-3321	129	54	domestic	domestic	ADJ
fsr-3321	129	55	equity	equity	NOUN
fsr-3321	129	56	fund	fund	PROPN
fsr-3321	129	57	v	v	ADP
fsr-3321	129	58	international	international	PROPN
fsr-3321	129	59	equity	equity	PROPN
fsr-3321	129	60	fund	fund	PROPN
fsr-3321	129	61	vi	vi	PROPN
fsr-3321	129	62	real	real	ADJ
fsr-3321	129	63	estate	estate	NOUN
fsr-3321	129	64	(	(	PUNCT
fsr-3321	129	65	sector	sector	NOUN
fsr-3321	129	66	)	)	PUNCT
fsr-3321	129	67	fund	fund	NOUN
fsr-3321	129	68	or	or	CCONJ
fsr-3321	129	69	the	the	DET
fsr-3321	129	70	self	self	NOUN
fsr-3321	129	71	-	-	PUNCT
fsr-3321	129	72	directed	direct	VERB
fsr-3321	129	73	brokerage	brokerage	NOUN
fsr-3321	129	74	accountb	accountb	NOUN
fsr-3321	129	75	atraditional	atraditional	ADJ
fsr-3321	129	76	(	(	PUNCT
fsr-3321	129	77	minimum	minimum	NOUN
fsr-3321	129	78	guarantee	guarantee	NOUN
fsr-3321	129	79	)	)	PUNCT
fsr-3321	129	80	annuities	annuity	NOUN
fsr-3321	129	81	are	be	AUX
fsr-3321	129	82	assigned	assign	VERB
fsr-3321	129	83	a	a	DET
fsr-3321	129	84	1	1	NUM
fsr-3321	129	85	and	and	CCONJ
fsr-3321	129	86	variable	variable	ADJ
fsr-3321	129	87	annuities	annuity	NOUN
fsr-3321	129	88	are	be	AUX
fsr-3321	129	89	assigned	assign	VERB
fsr-3321	129	90	to	to	ADP
fsr-3321	129	91	the	the	DET
fsr-3321	129	92	risk	risk	NOUN
fsr-3321	129	93	tier	tier	NOUN
fsr-3321	129	94	that	that	PRON
fsr-3321	129	95	corresponds	correspond	VERB
fsr-3321	129	96	to	to	ADP
fsr-3321	129	97	the	the	DET
fsr-3321	129	98	annuity	annuity	NOUN
fsr-3321	129	99	’s	’s	PART
fsr-3321	129	100	underlying	underlie	VERB
fsr-3321	129	101	asset	asset	NOUN
fsr-3321	129	102	class	class	NOUN
fsr-3321	129	103	.	.	PUNCT
fsr-3321	130	1	bthe	bthe	DET
fsr-3321	130	2	self	self	NOUN
fsr-3321	130	3	-	-	PUNCT
fsr-3321	130	4	directed	direct	VERB
fsr-3321	130	5	brokerage	brokerage	NOUN
fsr-3321	130	6	account	account	NOUN
fsr-3321	130	7	is	be	AUX
fsr-3321	130	8	only	only	ADV
fsr-3321	130	9	available	available	ADJ
fsr-3321	130	10	for	for	ADP
fsr-3321	130	11	fidelity	fidelity	NOUN
fsr-3321	130	12	.	.	PUNCT
fsr-3321	131	1	246	246	NUM
fsr-3321	131	2	a.	a.	NOUN
fsr-3321	131	3	anthony	anthony	PROPN
fsr-3321	131	4	et	et	PROPN
fsr-3321	131	5	al	al	PROPN
fsr-3321	131	6	.	.	PUNCT
fsr-3321	131	7	/	/	SYM
fsr-3321	131	8	financial	financial	ADJ
fsr-3321	131	9	services	service	NOUN
fsr-3321	131	10	review	review	VERB
fsr-3321	131	11	26	26	NUM
fsr-3321	131	12	(	(	PUNCT
fsr-3321	131	13	2017	2017	NUM
fsr-3321	131	14	)	)	PUNCT
fsr-3321	131	15	241–254	241–254	NUM
fsr-3321	132	1	the	the	DET
fsr-3321	132	2	dependent	dependent	ADJ
fsr-3321	132	3	variable	variable	NOUN
fsr-3321	132	4	,	,	PUNCT
fsr-3321	132	5	risk	risk	NOUN
fsr-3321	132	6	,	,	PUNCT
fsr-3321	132	7	is	be	AUX
fsr-3321	132	8	measured	measure	VERB
fsr-3321	132	9	as	as	ADP
fsr-3321	132	10	the	the	DET
fsr-3321	132	11	weighted	weight	VERB
fsr-3321	132	12	-	-	PUNCT
fsr-3321	132	13	average	average	NOUN
fsr-3321	132	14	portfolio	portfolio	NOUN
fsr-3321	132	15	risk	risk	NOUN
fsr-3321	132	16	tier	tier	NOUN
fsr-3321	132	17	as	as	SCONJ
fsr-3321	132	18	specified	specify	VERB
fsr-3321	132	19	in	in	ADP
fsr-3321	132	20	exhibit	exhibit	NOUN
fsr-3321	132	21	1	1	NUM
fsr-3321	132	22	.	.	PUNCT
fsr-3321	133	1	the	the	DET
fsr-3321	133	2	independent	independent	ADJ
fsr-3321	133	3	variables	variable	NOUN
fsr-3321	133	4	in	in	ADP
fsr-3321	133	5	the	the	DET
fsr-3321	133	6	baseline	baseline	NOUN
fsr-3321	133	7	models	model	NOUN
fsr-3321	133	8	are	be	AUX
fsr-3321	133	9	as	as	SCONJ
fsr-3321	133	10	follows	follow	VERB
fsr-3321	133	11	:	:	PUNCT
fsr-3321	133	12	fidelity	fidelity	PROPN
fsr-3321	133	13	dummy	dummy	PROPN
fsr-3321	133	14	equal	equal	ADJ
fsr-3321	133	15	to	to	ADP
fsr-3321	133	16	1	1	NUM
fsr-3321	133	17	if	if	SCONJ
fsr-3321	133	18	the	the	DET
fsr-3321	133	19	participant	participant	NOUN
fsr-3321	133	20	is	be	AUX
fsr-3321	133	21	enrolled	enrol	VERB
fsr-3321	133	22	in	in	ADP
fsr-3321	133	23	a	a	DET
fsr-3321	133	24	fidelity	fidelity	NOUN
fsr-3321	133	25	fund	fund	NOUN
fsr-3321	133	26	and	and	CCONJ
fsr-3321	133	27	0	0	NUM
fsr-3321	133	28	otherwise	otherwise	ADV
fsr-3321	133	29	,	,	PUNCT
fsr-3321	133	30	tdi	tdi	PROPN
fsr-3321	133	31	403(b	403(b	PROPN
fsr-3321	133	32	)	)	PUNCT
fsr-3321	133	33	dummy	dummy	NOUN
fsr-3321	133	34	equal	equal	ADJ
fsr-3321	133	35	to	to	ADP
fsr-3321	133	36	1	1	NUM
fsr-3321	133	37	if	if	SCONJ
fsr-3321	133	38	the	the	DET
fsr-3321	133	39	participant	participant	NOUN
fsr-3321	133	40	is	be	AUX
fsr-3321	133	41	enrolled	enrol	VERB
fsr-3321	133	42	in	in	ADP
fsr-3321	133	43	the	the	DET
fsr-3321	133	44	403(b	403(b	PROPN
fsr-3321	133	45	)	)	PUNCT
fsr-3321	133	46	plan	plan	NOUN
fsr-3321	133	47	and	and	CCONJ
fsr-3321	133	48	0	0	NUM
fsr-3321	133	49	otherwise	otherwise	ADV
fsr-3321	133	50	,	,	PUNCT
fsr-3321	133	51	age	age	NOUN
fsr-3321	133	52	equal	equal	ADJ
fsr-3321	133	53	to	to	ADP
fsr-3321	133	54	the	the	DET
fsr-3321	133	55	current	current	ADJ
fsr-3321	133	56	age	age	NOUN
fsr-3321	133	57	of	of	ADP
fsr-3321	133	58	the	the	DET
fsr-3321	133	59	participant	participant	NOUN
fsr-3321	133	60	as	as	SCONJ
fsr-3321	133	61	provided	provide	VERB
fsr-3321	133	62	by	by	ADP
fsr-3321	133	63	the	the	DET
fsr-3321	133	64	plan	plan	NOUN
fsr-3321	133	65	sponsor	sponsor	NOUN
fsr-3321	133	66	(	(	PUNCT
fsr-3321	133	67	fidelity	fidelity	NOUN
fsr-3321	133	68	or	or	CCONJ
fsr-3321	133	69	tiaa	tiaa	NOUN
fsr-3321	133	70	-	-	PUNCT
fsr-3321	133	71	cref	cref	NOUN
fsr-3321	133	72	)	)	PUNCT
fsr-3321	133	73	,	,	PUNCT
fsr-3321	133	74	and	and	CCONJ
fsr-3321	133	75	tier	tier	NOUN
fsr-3321	133	76	equal	equal	ADJ
fsr-3321	133	77	to	to	ADP
fsr-3321	133	78	the	the	DET
fsr-3321	133	79	current	current	ADJ
fsr-3321	133	80	tier	tier	NOUN
fsr-3321	133	81	of	of	ADP
fsr-3321	133	82	the	the	DET
fsr-3321	133	83	employees	employee	NOUN
fsr-3321	133	84	based	base	VERB
fsr-3321	133	85	on	on	ADP
fsr-3321	133	86	the	the	DET
fsr-3321	133	87	date	date	NOUN
fsr-3321	133	88	of	of	ADP
fsr-3321	133	89	hire	hire	NOUN
fsr-3321	133	90	.	.	PUNCT
fsr-3321	134	1	4	4	X
fsr-3321	134	2	.	.	X
fsr-3321	134	3	results	result	VERB
fsr-3321	134	4	4.1	4.1	NUM
fsr-3321	134	5	.	.	PUNCT
fsr-3321	135	1	summary	summary	NOUN
fsr-3321	135	2	statistics	statistic	NOUN
fsr-3321	135	3	the	the	DET
fsr-3321	135	4	sample	sample	NOUN
fsr-3321	135	5	consists	consist	VERB
fsr-3321	135	6	of	of	ADP
fsr-3321	135	7	3,436	3,436	NUM
fsr-3321	135	8	fidelity	fidelity	NOUN
fsr-3321	135	9	observations	observation	NOUN
fsr-3321	135	10	and	and	CCONJ
fsr-3321	135	11	5,851	5,851	NUM
fsr-3321	135	12	tiaa	tiaa	ADJ
fsr-3321	135	13	-	-	PUNCT
fsr-3321	135	14	cref	cref	NOUN
fsr-3321	135	15	observations	observation	NOUN
fsr-3321	135	16	.	.	PUNCT
fsr-3321	136	1	of	of	ADP
fsr-3321	136	2	these	these	PRON
fsr-3321	136	3	,	,	PUNCT
fsr-3321	136	4	1,689	1,689	NUM
fsr-3321	136	5	are	be	AUX
fsr-3321	136	6	fidelity	fidelity	PROPN
fsr-3321	136	7	orp	orp	PROPN
fsr-3321	136	8	401(a	401(a	PROPN
fsr-3321	136	9	)	)	PUNCT
fsr-3321	136	10	,	,	PUNCT
fsr-3321	136	11	3,734	3,734	NUM
fsr-3321	136	12	are	be	AUX
fsr-3321	136	13	tiaa	tiaa	ADJ
fsr-3321	136	14	-	-	PUNCT
fsr-3321	136	15	cref	cref	NOUN
fsr-3321	136	16	orp	orp	PROPN
fsr-3321	136	17	403(b	403(b	PROPN
fsr-3321	136	18	)	)	PUNCT
fsr-3321	136	19	,	,	PUNCT
fsr-3321	136	20	and	and	CCONJ
fsr-3321	136	21	an	an	DET
fsr-3321	136	22	additional	additional	ADJ
fsr-3321	136	23	1,747	1,747	NUM
fsr-3321	136	24	and	and	CCONJ
fsr-3321	136	25	2,117	2,117	NUM
fsr-3321	136	26	observations	observation	NOUN
fsr-3321	136	27	are	be	AUX
fsr-3321	136	28	from	from	ADP
fsr-3321	136	29	the	the	DET
fsr-3321	136	30	403(b	403(b	PROPN
fsr-3321	136	31	)	)	PUNCT
fsr-3321	136	32	accounts	account	NOUN
fsr-3321	136	33	,	,	PUNCT
fsr-3321	136	34	respectively	respectively	ADV
fsr-3321	136	35	.	.	PUNCT
fsr-3321	137	1	a	a	DET
fsr-3321	137	2	total	total	NOUN
fsr-3321	137	3	of	of	ADP
fsr-3321	137	4	1,175	1,175	NUM
fsr-3321	137	5	(	(	PUNCT
fsr-3321	137	6	or	or	CCONJ
fsr-3321	137	7	56.93	56.93	NUM
fsr-3321	137	8	%	%	NOUN
fsr-3321	137	9	)	)	PUNCT
fsr-3321	137	10	unique	unique	ADJ
fsr-3321	137	11	participants	participant	NOUN
fsr-3321	137	12	belong	belong	VERB
fsr-3321	137	13	to	to	ADP
fsr-3321	137	14	fidelity	fidelity	NOUN
fsr-3321	137	15	and	and	CCONJ
fsr-3321	137	16	889	889	NUM
fsr-3321	137	17	(	(	PUNCT
fsr-3321	137	18	43.07	43.07	NUM
fsr-3321	137	19	%	%	NOUN
fsr-3321	137	20	)	)	PUNCT
fsr-3321	137	21	to	to	PART
fsr-3321	137	22	tiaacref	tiaacref	VERB
fsr-3321	137	23	.	.	PUNCT
fsr-3321	138	1	table	table	NOUN
fsr-3321	138	2	1	1	NUM
fsr-3321	138	3	provides	provide	VERB
fsr-3321	138	4	the	the	DET
fsr-3321	138	5	breakdown	breakdown	NOUN
fsr-3321	138	6	by	by	ADP
fsr-3321	138	7	hiring	hire	VERB
fsr-3321	138	8	tier	tier	NOUN
fsr-3321	138	9	.	.	PUNCT
fsr-3321	139	1	the	the	DET
fsr-3321	139	2	average	average	ADJ
fsr-3321	139	3	age	age	NOUN
fsr-3321	139	4	of	of	ADP
fsr-3321	139	5	participants	participant	NOUN
fsr-3321	139	6	in	in	ADP
fsr-3321	139	7	the	the	DET
fsr-3321	139	8	full	full	ADJ
fsr-3321	139	9	sample	sample	NOUN
fsr-3321	139	10	is	be	AUX
fsr-3321	139	11	49.11	49.11	NUM
fsr-3321	139	12	years	year	NOUN
fsr-3321	139	13	old	old	ADJ
fsr-3321	139	14	,	,	PUNCT
fsr-3321	139	15	with	with	ADP
fsr-3321	139	16	those	those	PRON
fsr-3321	139	17	with	with	ADP
fsr-3321	139	18	fidelity	fidelity	NOUN
fsr-3321	139	19	at	at	ADP
fsr-3321	139	20	50.36	50.36	NUM
fsr-3321	139	21	and	and	CCONJ
fsr-3321	139	22	those	those	PRON
fsr-3321	139	23	with	with	ADP
fsr-3321	139	24	tiaa	tiaa	NOUN
fsr-3321	139	25	-	-	PUNCT
fsr-3321	139	26	cref	cref	NOUN
fsr-3321	139	27	at	at	ADP
fsr-3321	139	28	48.37	48.37	NUM
fsr-3321	139	29	years	year	NOUN
fsr-3321	139	30	.	.	PUNCT
fsr-3321	140	1	at	at	ADP
fsr-3321	140	2	the	the	DET
fsr-3321	140	3	vendor	vendor	NOUN
fsr-3321	140	4	level	level	NOUN
fsr-3321	140	5	,	,	PUNCT
fsr-3321	140	6	56.93	56.93	NUM
fsr-3321	140	7	%	%	NOUN
fsr-3321	140	8	participants	participant	NOUN
fsr-3321	140	9	are	be	AUX
fsr-3321	140	10	enrolled	enrol	VERB
fsr-3321	140	11	in	in	ADP
fsr-3321	140	12	fidelity	fidelity	NOUN
fsr-3321	140	13	plans	plan	NOUN
fsr-3321	140	14	versus	versus	ADP
fsr-3321	140	15	43.04	43.04	NUM
fsr-3321	140	16	%	%	NOUN
fsr-3321	140	17	in	in	ADP
fsr-3321	140	18	tiaa	tiaa	NOUN
fsr-3321	140	19	-	-	PUNCT
fsr-3321	140	20	cref	cref	NOUN
fsr-3321	140	21	.	.	PUNCT
fsr-3321	141	1	the	the	DET
fsr-3321	141	2	majority	majority	NOUN
fsr-3321	141	3	of	of	ADP
fsr-3321	141	4	participants	participant	NOUN
fsr-3321	141	5	in	in	ADP
fsr-3321	141	6	our	our	PRON
fsr-3321	141	7	sample	sample	NOUN
fsr-3321	141	8	are	be	AUX
fsr-3321	141	9	tier	tier	NOUN
fsr-3321	141	10	iii	iii	NUM
fsr-3321	141	11	employees	employee	NOUN
fsr-3321	141	12	hired	hire	VERB
fsr-3321	141	13	between	between	ADP
fsr-3321	141	14	2003	2003	NUM
fsr-3321	141	15	and	and	CCONJ
fsr-3321	141	16	2013	2013	NUM
fsr-3321	141	17	.	.	PUNCT
fsr-3321	142	1	the	the	DET
fsr-3321	142	2	recent	recent	ADJ
fsr-3321	142	3	hires	hire	NOUN
fsr-3321	142	4	(	(	PUNCT
fsr-3321	142	5	tier	tier	NOUN
fsr-3321	142	6	iv	iv	X
fsr-3321	142	7	)	)	PUNCT
fsr-3321	142	8	appear	appear	VERB
fsr-3321	142	9	to	to	PART
fsr-3321	142	10	prefer	prefer	VERB
fsr-3321	142	11	tiaa	tiaa	ADJ
fsr-3321	142	12	-	-	PUNCT
fsr-3321	142	13	cref	cref	NOUN
fsr-3321	142	14	.	.	PUNCT
fsr-3321	143	1	at	at	ADP
fsr-3321	143	2	the	the	DET
fsr-3321	143	3	plan	plan	NOUN
fsr-3321	143	4	level	level	NOUN
fsr-3321	143	5	,	,	PUNCT
fsr-3321	143	6	54.96	54.96	NUM
fsr-3321	143	7	%	%	NOUN
fsr-3321	143	8	of	of	ADP
fsr-3321	143	9	observations	observation	NOUN
fsr-3321	143	10	are	be	AUX
fsr-3321	143	11	in	in	ADP
fsr-3321	143	12	the	the	DET
fsr-3321	143	13	orp	orp	PROPN
fsr-3321	143	14	plan	plan	PROPN
fsr-3321	143	15	(	(	PUNCT
fsr-3321	143	16	employer	employer	NOUN
fsr-3321	143	17	contribution	contribution	NOUN
fsr-3321	143	18	)	)	PUNCT
fsr-3321	143	19	and	and	CCONJ
fsr-3321	143	20	45.04	45.04	NUM
fsr-3321	143	21	%	%	NOUN
fsr-3321	143	22	are	be	AUX
fsr-3321	143	23	in	in	ADP
fsr-3321	143	24	the	the	DET
fsr-3321	143	25	voluntary	voluntary	ADJ
fsr-3321	143	26	403(b	403(b	PROPN
fsr-3321	143	27	)	)	PUNCT
fsr-3321	143	28	plan	plan	NOUN
fsr-3321	143	29	.	.	PUNCT
fsr-3321	144	1	this	this	PRON
fsr-3321	144	2	is	be	AUX
fsr-3321	144	3	an	an	DET
fsr-3321	144	4	intriguing	intriguing	ADJ
fsr-3321	144	5	number	number	NOUN
fsr-3321	144	6	given	give	VERB
fsr-3321	144	7	the	the	DET
fsr-3321	144	8	voluntary	voluntary	ADJ
fsr-3321	144	9	nature	nature	NOUN
fsr-3321	144	10	of	of	ADP
fsr-3321	144	11	the	the	DET
fsr-3321	144	12	403(b	403(b	PROPN
fsr-3321	144	13	)	)	PUNCT
fsr-3321	144	14	.	.	PUNCT
fsr-3321	145	1	given	give	VERB
fsr-3321	145	2	recent	recent	ADJ
fsr-3321	145	3	changes	change	NOUN
fsr-3321	145	4	in	in	ADP
fsr-3321	145	5	employer	employer	NOUN
fsr-3321	145	6	contribution	contribution	NOUN
fsr-3321	145	7	for	for	ADP
fsr-3321	145	8	tier	tier	NOUN
fsr-3321	145	9	iv	iv	NUM
fsr-3321	145	10	employees	employee	NOUN
fsr-3321	145	11	,	,	PUNCT
fsr-3321	145	12	we	we	PRON
fsr-3321	145	13	expect	expect	VERB
fsr-3321	145	14	to	to	PART
fsr-3321	145	15	see	see	VERB
fsr-3321	145	16	more	more	ADJ
fsr-3321	145	17	employees	employee	NOUN
fsr-3321	145	18	participating	participate	VERB
fsr-3321	145	19	in	in	ADP
fsr-3321	145	20	their	their	PRON
fsr-3321	145	21	403(b	403(b	NOUN
fsr-3321	145	22	)	)	PUNCT
fsr-3321	145	23	plan	plan	NOUN
fsr-3321	145	24	.	.	PUNCT
fsr-3321	146	1	we	we	PRON
fsr-3321	146	2	find	find	VERB
fsr-3321	146	3	that	that	SCONJ
fsr-3321	146	4	out	out	ADP
fsr-3321	146	5	of	of	ADP
fsr-3321	146	6	116	116	NUM
fsr-3321	146	7	participants	participant	NOUN
fsr-3321	146	8	in	in	ADP
fsr-3321	146	9	tier	tier	NOUN
fsr-3321	146	10	iv	iv	ADP
fsr-3321	146	11	,	,	PUNCT
fsr-3321	146	12	60	60	NUM
fsr-3321	146	13	chose	choose	VERB
fsr-3321	146	14	both	both	CCONJ
fsr-3321	146	15	the	the	DET
fsr-3321	146	16	401(a	401(a	PROPN
fsr-3321	146	17	)	)	PUNCT
fsr-3321	146	18	and	and	CCONJ
fsr-3321	146	19	the	the	DET
fsr-3321	146	20	403(b	403(b	PROPN
fsr-3321	146	21	)	)	PUNCT
fsr-3321	146	22	plans	plan	NOUN
fsr-3321	146	23	,	,	PUNCT
fsr-3321	146	24	23	23	NUM
fsr-3321	146	25	participants	participant	NOUN
fsr-3321	146	26	chose	choose	VERB
fsr-3321	146	27	only	only	ADV
fsr-3321	146	28	the	the	DET
fsr-3321	146	29	401(a	401(a	PROPN
fsr-3321	146	30	)	)	PUNCT
fsr-3321	146	31	plan	plan	NOUN
fsr-3321	146	32	,	,	PUNCT
fsr-3321	146	33	and	and	CCONJ
fsr-3321	146	34	33	33	NUM
fsr-3321	146	35	participants	participant	NOUN
fsr-3321	146	36	chose	choose	VERB
fsr-3321	146	37	only	only	ADV
fsr-3321	146	38	the	the	DET
fsr-3321	146	39	403(b	403(b	PROPN
fsr-3321	146	40	)	)	PUNCT
fsr-3321	146	41	plan	plan	NOUN
fsr-3321	146	42	.	.	PUNCT
fsr-3321	147	1	although	although	SCONJ
fsr-3321	147	2	it	it	PRON
fsr-3321	147	3	appears	appear	VERB
fsr-3321	147	4	that	that	SCONJ
fsr-3321	147	5	only	only	ADV
fsr-3321	147	6	19	19	NUM
fsr-3321	147	7	%	%	NOUN
fsr-3321	147	8	chose	choose	VERB
fsr-3321	147	9	not	not	PART
fsr-3321	147	10	to	to	PART
fsr-3321	147	11	participate	participate	VERB
fsr-3321	147	12	in	in	ADP
fsr-3321	147	13	both	both	DET
fsr-3321	147	14	plans	plan	NOUN
fsr-3321	147	15	and	and	CCONJ
fsr-3321	147	16	thus	thus	ADV
fsr-3321	147	17	did	do	AUX
fsr-3321	147	18	not	not	PART
fsr-3321	147	19	maximize	maximize	VERB
fsr-3321	147	20	their	their	PRON
fsr-3321	147	21	employer	employer	NOUN
fsr-3321	147	22	table	table	NOUN
fsr-3321	147	23	1	1	NUM
fsr-3321	147	24	sample	sample	NOUN
fsr-3321	147	25	description	description	NOUN
fsr-3321	147	26	all	all	DET
fsr-3321	147	27	vendors	vendor	NOUN
fsr-3321	147	28	fidelity	fidelity	PROPN
fsr-3321	147	29	tiaa	tiaa	PROPN
fsr-3321	147	30	orp	orp	PROPN
fsr-3321	147	31	401(a	401(a	PROPN
fsr-3321	147	32	)	)	PUNCT
fsr-3321	147	33	tdi	tdi	PROPN
fsr-3321	147	34	403(b	403(b	PROPN
fsr-3321	147	35	)	)	PUNCT
fsr-3321	147	36	tier	tier	NOUN
fsr-3321	147	37	i	i	NOUN
fsr-3321	147	38	407	407	NUM
fsr-3321	147	39	(	(	PUNCT
fsr-3321	147	40	19.72	19.72	NUM
fsr-3321	147	41	%	%	NOUN
fsr-3321	147	42	)	)	PUNCT
fsr-3321	147	43	291	291	NUM
fsr-3321	147	44	(	(	PUNCT
fsr-3321	147	45	24.77	24.77	NUM
fsr-3321	147	46	%	%	NOUN
fsr-3321	147	47	)	)	PUNCT
fsr-3321	147	48	116	116	NUM
fsr-3321	147	49	(	(	PUNCT
fsr-3321	147	50	13.05	13.05	NUM
fsr-3321	147	51	%	%	NOUN
fsr-3321	147	52	)	)	PUNCT
fsr-3321	147	53	139	139	NUM
fsr-3321	147	54	(	(	PUNCT
fsr-3321	147	55	10.37	10.37	NUM
fsr-3321	147	56	%	%	NOUN
fsr-3321	147	57	)	)	PUNCT
fsr-3321	147	58	309	309	NUM
fsr-3321	147	59	(	(	PUNCT
fsr-3321	147	60	28.14	28.14	NUM
fsr-3321	147	61	%	%	NOUN
fsr-3321	147	62	)	)	PUNCT
fsr-3321	147	63	tier	tier	NOUN
fsr-3321	147	64	ii	ii	PROPN
fsr-3321	147	65	438	438	NUM
fsr-3321	147	66	(	(	PUNCT
fsr-3321	147	67	21.22	21.22	NUM
fsr-3321	147	68	%	%	NOUN
fsr-3321	147	69	)	)	PUNCT
fsr-3321	147	70	249	249	NUM
fsr-3321	147	71	(	(	PUNCT
fsr-3321	147	72	21.19	21.19	NUM
fsr-3321	147	73	%	%	NOUN
fsr-3321	147	74	)	)	PUNCT
fsr-3321	147	75	189	189	NUM
fsr-3321	147	76	(	(	PUNCT
fsr-3321	147	77	21.26	21.26	NUM
fsr-3321	147	78	%	%	NOUN
fsr-3321	147	79	)	)	PUNCT
fsr-3321	147	80	307	307	NUM
fsr-3321	147	81	(	(	PUNCT
fsr-3321	147	82	22.91	22.91	NUM
fsr-3321	147	83	%	%	NOUN
fsr-3321	147	84	)	)	PUNCT
fsr-3321	147	85	198	198	NUM
fsr-3321	147	86	(	(	PUNCT
fsr-3321	147	87	18.03	18.03	NUM
fsr-3321	147	88	%	%	NOUN
fsr-3321	147	89	)	)	PUNCT
fsr-3321	147	90	tier	tier	NOUN
fsr-3321	147	91	iii	iii	X
fsr-3321	147	92	1,102	1,102	NUM
fsr-3321	147	93	(	(	PUNCT
fsr-3321	147	94	53.37	53.37	NUM
fsr-3321	147	95	%	%	NOUN
fsr-3321	147	96	)	)	PUNCT
fsr-3321	147	97	588	588	NUM
fsr-3321	147	98	(	(	PUNCT
fsr-3321	147	99	50.04	50.04	NUM
fsr-3321	147	100	%	%	NOUN
fsr-3321	147	101	)	)	PUNCT
fsr-3321	147	102	514	514	NUM
fsr-3321	147	103	(	(	PUNCT
fsr-3321	147	104	57.82	57.82	NUM
fsr-3321	147	105	%	%	NOUN
fsr-3321	147	106	)	)	PUNCT
fsr-3321	147	107	811	811	NUM
fsr-3321	147	108	(	(	PUNCT
fsr-3321	147	109	60.52	60.52	NUM
fsr-3321	147	110	%	%	NOUN
fsr-3321	147	111	)	)	PUNCT
fsr-3321	147	112	497	497	NUM
fsr-3321	147	113	(	(	PUNCT
fsr-3321	147	114	45.26	45.26	NUM
fsr-3321	147	115	%	%	NOUN
fsr-3321	147	116	)	)	PUNCT
fsr-3321	147	117	tier	tier	NOUN
fsr-3321	147	118	iv	iv	NUM
fsr-3321	147	119	116	116	NUM
fsr-3321	147	120	(	(	PUNCT
fsr-3321	147	121	5.62	5.62	NUM
fsr-3321	147	122	%	%	NOUN
fsr-3321	147	123	)	)	PUNCT
fsr-3321	147	124	47	47	NUM
fsr-3321	147	125	(	(	PUNCT
fsr-3321	147	126	4.00	4.00	NUM
fsr-3321	147	127	%	%	NOUN
fsr-3321	147	128	)	)	PUNCT
fsr-3321	147	129	69	69	NUM
fsr-3321	147	130	(	(	PUNCT
fsr-3321	147	131	7.76	7.76	NUM
fsr-3321	147	132	%	%	NOUN
fsr-3321	147	133	)	)	PUNCT
fsr-3321	147	134	83	83	NUM
fsr-3321	147	135	(	(	PUNCT
fsr-3321	147	136	6.19	6.19	NUM
fsr-3321	147	137	%	%	NOUN
fsr-3321	147	138	)	)	PUNCT
fsr-3321	147	139	93	93	NUM
fsr-3321	147	140	(	(	PUNCT
fsr-3321	147	141	8.47	8.47	NUM
fsr-3321	147	142	%	%	NOUN
fsr-3321	147	143	)	)	PUNCT
fsr-3321	147	144	total	total	NOUN
fsr-3321	147	145	2,064	2,064	NUM
fsr-3321	147	146	(	(	PUNCT
fsr-3321	147	147	100	100	NUM
fsr-3321	147	148	%	%	NOUN
fsr-3321	147	149	)	)	PUNCT
fsr-3321	147	150	1,175	1,175	NUM
fsr-3321	147	151	(	(	PUNCT
fsr-3321	147	152	100	100	NUM
fsr-3321	147	153	%	%	NOUN
fsr-3321	147	154	)	)	PUNCT
fsr-3321	147	155	889	889	NUM
fsr-3321	147	156	(	(	PUNCT
fsr-3321	147	157	100	100	NUM
fsr-3321	147	158	%	%	NOUN
fsr-3321	147	159	)	)	PUNCT
fsr-3321	147	160	1,340	1,340	NUM
fsr-3321	147	161	(	(	PUNCT
fsr-3321	147	162	100	100	NUM
fsr-3321	147	163	%	%	NOUN
fsr-3321	147	164	)	)	PUNCT
fsr-3321	147	165	1,098	1,098	NUM
fsr-3321	147	166	(	(	PUNCT
fsr-3321	147	167	100	100	NUM
fsr-3321	147	168	%	%	NOUN
fsr-3321	147	169	)	)	PUNCT
fsr-3321	147	170	results	result	NOUN
fsr-3321	147	171	reported	report	VERB
fsr-3321	147	172	are	be	AUX
fsr-3321	147	173	number	number	NOUN
fsr-3321	147	174	of	of	ADP
fsr-3321	147	175	observations	observation	NOUN
fsr-3321	147	176	in	in	ADP
fsr-3321	147	177	the	the	DET
fsr-3321	147	178	sample	sample	NOUN
fsr-3321	147	179	and	and	CCONJ
fsr-3321	147	180	portion	portion	NOUN
fsr-3321	147	181	of	of	ADP
fsr-3321	147	182	sample	sample	NOUN
fsr-3321	147	183	in	in	ADP
fsr-3321	147	184	parentheses	parenthesis	NOUN
fsr-3321	147	185	.	.	PUNCT
fsr-3321	148	1	orp	orp	PROPN
fsr-3321	148	2	�	�	PROPN
fsr-3321	148	3	optional	optional	ADJ
fsr-3321	148	4	retirement	retirement	NOUN
fsr-3321	148	5	plan	plan	NOUN
fsr-3321	148	6	.	.	PUNCT
fsr-3321	149	1	247a	247a	NOUN
fsr-3321	149	2	.	.	PUNCT
fsr-3321	150	1	anthony	anthony	PROPN
fsr-3321	150	2	et	et	PROPN
fsr-3321	150	3	al	al	PROPN
fsr-3321	150	4	.	.	PUNCT
fsr-3321	150	5	/	/	SYM
fsr-3321	150	6	financial	financial	ADJ
fsr-3321	150	7	services	service	NOUN
fsr-3321	150	8	review	review	VERB
fsr-3321	150	9	26	26	NUM
fsr-3321	150	10	(	(	PUNCT
fsr-3321	150	11	2017	2017	NUM
fsr-3321	150	12	)	)	PUNCT
fsr-3321	150	13	241–254	241–254	NUM
fsr-3321	150	14	contribution	contribution	NOUN
fsr-3321	150	15	,	,	PUNCT
fsr-3321	150	16	it	it	PRON
fsr-3321	150	17	is	be	AUX
fsr-3321	150	18	important	important	ADJ
fsr-3321	150	19	to	to	PART
fsr-3321	150	20	mention	mention	VERB
fsr-3321	150	21	the	the	DET
fsr-3321	150	22	data	datum	NOUN
fsr-3321	150	23	availability	availability	NOUN
fsr-3321	150	24	constraints	constraint	NOUN
fsr-3321	150	25	that	that	PRON
fsr-3321	150	26	may	may	AUX
fsr-3321	150	27	underrepresent	underrepresent	VERB
fsr-3321	150	28	the	the	DET
fsr-3321	150	29	true	true	ADJ
fsr-3321	150	30	number	number	NOUN
fsr-3321	150	31	of	of	ADP
fsr-3321	150	32	dual	dual	ADJ
fsr-3321	150	33	plan	plan	NOUN
fsr-3321	150	34	enrollments.6	enrollments.6	PROPN
fsr-3321	150	35	next	next	ADV
fsr-3321	150	36	,	,	PUNCT
fsr-3321	150	37	we	we	PRON
fsr-3321	150	38	examine	examine	VERB
fsr-3321	150	39	employee	employee	NOUN
fsr-3321	150	40	investment	investment	NOUN
fsr-3321	150	41	choices	choice	NOUN
fsr-3321	150	42	.	.	PUNCT
fsr-3321	151	1	given	give	VERB
fsr-3321	151	2	that	that	SCONJ
fsr-3321	151	3	the	the	DET
fsr-3321	151	4	two	two	NUM
fsr-3321	151	5	vendors	vendor	NOUN
fsr-3321	151	6	have	have	AUX
fsr-3321	151	7	different	different	ADJ
fsr-3321	151	8	default	default	NOUN
fsr-3321	151	9	investments	investment	NOUN
fsr-3321	151	10	(	(	PUNCT
fsr-3321	151	11	target	target	NOUN
fsr-3321	151	12	data	datum	NOUN
fsr-3321	151	13	fund	fund	NOUN
fsr-3321	151	14	for	for	ADP
fsr-3321	151	15	fidelity	fidelity	NOUN
fsr-3321	151	16	and	and	CCONJ
fsr-3321	151	17	money	money	NOUN
fsr-3321	151	18	market	market	NOUN
fsr-3321	151	19	account	account	NOUN
fsr-3321	151	20	for	for	ADP
fsr-3321	151	21	tiaa	tiaa	NOUN
fsr-3321	151	22	-	-	PUNCT
fsr-3321	151	23	cref	cref	NOUN
fsr-3321	151	24	)	)	PUNCT
fsr-3321	151	25	,	,	PUNCT
fsr-3321	151	26	we	we	PRON
fsr-3321	151	27	present	present	VERB
fsr-3321	151	28	the	the	DET
fsr-3321	151	29	data	datum	NOUN
fsr-3321	151	30	separately	separately	ADV
fsr-3321	151	31	by	by	ADP
fsr-3321	151	32	vendor	vendor	NOUN
fsr-3321	151	33	.	.	PUNCT
fsr-3321	151	34	table	table	NOUN
fsr-3321	151	35	2	2	NUM
fsr-3321	151	36	displays	display	VERB
fsr-3321	151	37	these	these	DET
fsr-3321	151	38	results	result	NOUN
fsr-3321	151	39	.	.	PUNCT
fsr-3321	152	1	on	on	ADP
fsr-3321	152	2	average	average	ADJ
fsr-3321	152	3	,	,	PUNCT
fsr-3321	152	4	participants	participant	NOUN
fsr-3321	152	5	distribute	distribute	VERB
fsr-3321	152	6	their	their	PRON
fsr-3321	152	7	investments	investment	NOUN
fsr-3321	152	8	across	across	ADP
fsr-3321	152	9	3.90	3.90	NUM
fsr-3321	152	10	funds	fund	NOUN
fsr-3321	152	11	.	.	PUNCT
fsr-3321	153	1	the	the	DET
fsr-3321	153	2	number	number	NOUN
fsr-3321	153	3	of	of	ADP
fsr-3321	153	4	funds	fund	NOUN
fsr-3321	153	5	in	in	ADP
fsr-3321	153	6	tiaa	tiaa	ADJ
fsr-3321	153	7	-	-	PUNCT
fsr-3321	153	8	cref	cref	NOUN
fsr-3321	153	9	accounts	account	NOUN
fsr-3321	153	10	is	be	AUX
fsr-3321	153	11	significantly	significantly	ADV
fsr-3321	153	12	higher	high	ADJ
fsr-3321	153	13	,	,	PUNCT
fsr-3321	153	14	at	at	ADP
fsr-3321	153	15	5.49	5.49	NUM
fsr-3321	153	16	,	,	PUNCT
fsr-3321	153	17	versus	versus	ADP
fsr-3321	153	18	the	the	DET
fsr-3321	153	19	number	number	NOUN
fsr-3321	153	20	of	of	ADP
fsr-3321	153	21	funds	fund	NOUN
fsr-3321	153	22	in	in	ADP
fsr-3321	153	23	fidelity	fidelity	NOUN
fsr-3321	153	24	accounts	account	NOUN
fsr-3321	153	25	at	at	ADP
fsr-3321	153	26	2.69	2.69	NUM
fsr-3321	153	27	.	.	PUNCT
fsr-3321	154	1	to	to	PART
fsr-3321	154	2	gain	gain	VERB
fsr-3321	154	3	insight	insight	NOUN
fsr-3321	154	4	into	into	ADP
fsr-3321	154	5	the	the	DET
fsr-3321	154	6	differences	difference	NOUN
fsr-3321	154	7	we	we	PRON
fsr-3321	154	8	look	look	VERB
fsr-3321	154	9	at	at	ADP
fsr-3321	154	10	the	the	DET
fsr-3321	154	11	distribution	distribution	NOUN
fsr-3321	154	12	by	by	ADP
fsr-3321	154	13	provider	provider	NOUN
fsr-3321	154	14	.	.	PUNCT
fsr-3321	155	1	we	we	PRON
fsr-3321	155	2	find	find	VERB
fsr-3321	155	3	that	that	SCONJ
fsr-3321	155	4	198	198	NUM
fsr-3321	155	5	of	of	ADP
fsr-3321	155	6	the	the	DET
fsr-3321	155	7	889	889	NUM
fsr-3321	155	8	tiaa	tiaa	ADJ
fsr-3321	155	9	-	-	PUNCT
fsr-3321	155	10	cref	cref	NOUN
fsr-3321	155	11	participants	participant	NOUN
fsr-3321	155	12	(	(	PUNCT
fsr-3321	155	13	22.27	22.27	NUM
fsr-3321	155	14	%	%	NOUN
fsr-3321	155	15	)	)	PUNCT
fsr-3321	155	16	allocate	allocate	VERB
fsr-3321	155	17	their	their	PRON
fsr-3321	155	18	retirement	retirement	NOUN
fsr-3321	155	19	funds	fund	NOUN
fsr-3321	155	20	to	to	ADP
fsr-3321	155	21	10	10	NUM
fsr-3321	155	22	or	or	CCONJ
fsr-3321	155	23	more	more	ADJ
fsr-3321	155	24	funds	fund	NOUN
fsr-3321	155	25	(	(	PUNCT
fsr-3321	155	26	maximum	maximum	ADJ
fsr-3321	155	27	is	be	AUX
fsr-3321	155	28	25	25	NUM
fsr-3321	155	29	)	)	PUNCT
fsr-3321	155	30	.	.	PUNCT
fsr-3321	156	1	by	by	ADP
fsr-3321	156	2	comparison	comparison	NOUN
fsr-3321	156	3	,	,	PUNCT
fsr-3321	156	4	only	only	ADV
fsr-3321	156	5	27	27	NUM
fsr-3321	156	6	fidelity	fidelity	NOUN
fsr-3321	156	7	participants	participant	NOUN
fsr-3321	156	8	(	(	PUNCT
fsr-3321	156	9	2.29	2.29	NUM
fsr-3321	156	10	%	%	NOUN
fsr-3321	156	11	)	)	PUNCT
fsr-3321	156	12	allocated	allocate	VERB
fsr-3321	156	13	their	their	PRON
fsr-3321	156	14	funds	fund	NOUN
fsr-3321	156	15	to	to	ADP
fsr-3321	156	16	10	10	NUM
fsr-3321	156	17	or	or	CCONJ
fsr-3321	156	18	more	more	ADJ
fsr-3321	156	19	funds	fund	NOUN
fsr-3321	156	20	(	(	PUNCT
fsr-3321	156	21	maximum	maximum	ADJ
fsr-3321	156	22	is	be	AUX
fsr-3321	156	23	17	17	NUM
fsr-3321	156	24	)	)	PUNCT
fsr-3321	156	25	.	.	PUNCT
fsr-3321	157	1	the	the	DET
fsr-3321	157	2	difference	difference	NOUN
fsr-3321	157	3	in	in	ADP
fsr-3321	157	4	the	the	DET
fsr-3321	157	5	number	number	NOUN
fsr-3321	157	6	of	of	ADP
fsr-3321	157	7	chosen	choose	VERB
fsr-3321	157	8	funds	fund	NOUN
fsr-3321	157	9	is	be	AUX
fsr-3321	157	10	significant	significant	ADJ
fsr-3321	157	11	,	,	PUNCT
fsr-3321	157	12	especially	especially	ADV
fsr-3321	157	13	given	give	VERB
fsr-3321	157	14	that	that	SCONJ
fsr-3321	157	15	the	the	DET
fsr-3321	157	16	way	way	NOUN
fsr-3321	157	17	the	the	DET
fsr-3321	157	18	funds	fund	NOUN
fsr-3321	157	19	are	be	AUX
fsr-3321	157	20	presented	present	VERB
fsr-3321	157	21	to	to	ADP
fsr-3321	157	22	participants	participant	NOUN
fsr-3321	157	23	on	on	ADP
fsr-3321	157	24	the	the	DET
fsr-3321	157	25	enrollment	enrollment	NOUN
fsr-3321	157	26	form	form	NOUN
fsr-3321	157	27	is	be	AUX
fsr-3321	157	28	similar	similar	ADJ
fsr-3321	157	29	between	between	ADP
fsr-3321	157	30	the	the	DET
fsr-3321	157	31	two	two	NUM
fsr-3321	157	32	providers	provider	NOUN
fsr-3321	157	33	.	.	PUNCT
fsr-3321	158	1	all	all	DET
fsr-3321	158	2	elections	election	NOUN
fsr-3321	158	3	are	be	AUX
fsr-3321	158	4	done	do	VERB
fsr-3321	158	5	online	online	ADV
fsr-3321	158	6	and	and	CCONJ
fsr-3321	158	7	each	each	DET
fsr-3321	158	8	participant	participant	NOUN
fsr-3321	158	9	assigns	assign	VERB
fsr-3321	158	10	a	a	DET
fsr-3321	158	11	percentage	percentage	NOUN
fsr-3321	158	12	of	of	ADP
fsr-3321	158	13	the	the	DET
fsr-3321	158	14	account	account	NOUN
fsr-3321	158	15	to	to	ADP
fsr-3321	158	16	different	different	ADJ
fsr-3321	158	17	funds	fund	NOUN
fsr-3321	158	18	.	.	PUNCT
fsr-3321	159	1	to	to	PART
fsr-3321	159	2	understand	understand	VERB
fsr-3321	159	3	this	this	DET
fsr-3321	159	4	difference	difference	NOUN
fsr-3321	159	5	better	well	ADV
fsr-3321	159	6	,	,	PUNCT
fsr-3321	159	7	we	we	PRON
fsr-3321	159	8	looked	look	VERB
fsr-3321	159	9	at	at	ADP
fsr-3321	159	10	the	the	DET
fsr-3321	159	11	survey	survey	NOUN
fsr-3321	159	12	that	that	SCONJ
fsr-3321	159	13	several	several	ADJ
fsr-3321	159	14	participants	participant	NOUN
fsr-3321	159	15	completed	complete	VERB
fsr-3321	159	16	.	.	PUNCT
fsr-3321	160	1	an	an	DET
fsr-3321	160	2	interesting	interesting	ADJ
fsr-3321	160	3	find	find	NOUN
fsr-3321	160	4	was	be	AUX
fsr-3321	160	5	that	that	SCONJ
fsr-3321	160	6	participants	participant	NOUN
fsr-3321	160	7	who	who	PRON
fsr-3321	160	8	are	be	AUX
fsr-3321	160	9	less	less	ADV
fsr-3321	160	10	knowledgeable	knowledgeable	ADJ
fsr-3321	160	11	and	and	CCONJ
fsr-3321	160	12	confident	confident	ADJ
fsr-3321	160	13	in	in	ADP
fsr-3321	160	14	their	their	PRON
fsr-3321	160	15	investment	investment	NOUN
fsr-3321	160	16	skills	skill	NOUN
fsr-3321	160	17	tend	tend	VERB
fsr-3321	160	18	to	to	PART
fsr-3321	160	19	choose	choose	VERB
fsr-3321	160	20	tiaa	tiaa	NOUN
fsr-3321	160	21	-	-	PUNCT
fsr-3321	160	22	cref	cref	NOUN
fsr-3321	160	23	over	over	ADP
fsr-3321	160	24	fidelity	fidelity	PROPN
fsr-3321	160	25	.	.	PUNCT
fsr-3321	161	1	some	some	DET
fsr-3321	161	2	participants	participant	NOUN
fsr-3321	161	3	explained	explain	VERB
fsr-3321	161	4	that	that	SCONJ
fsr-3321	161	5	they	they	PRON
fsr-3321	161	6	associated	associate	VERB
fsr-3321	161	7	tiaa	tiaa	NOUN
fsr-3321	161	8	-	-	PUNCT
fsr-3321	161	9	cref	cref	NOUN
fsr-3321	161	10	with	with	ADP
fsr-3321	161	11	a	a	DET
fsr-3321	161	12	“	"	PUNCT
fsr-3321	161	13	safer	safe	ADJ
fsr-3321	161	14	option	option	NOUN
fsr-3321	161	15	”	"	PUNCT
fsr-3321	161	16	and	and	CCONJ
fsr-3321	161	17	“	"	PUNCT
fsr-3321	161	18	less	less	ADJ
fsr-3321	161	19	risk	risk	NOUN
fsr-3321	161	20	.	.	PUNCT
fsr-3321	161	21	”	"	PUNCT
fsr-3321	162	1	this	this	PRON
fsr-3321	162	2	is	be	AUX
fsr-3321	162	3	an	an	DET
fsr-3321	162	4	interesting	interesting	ADJ
fsr-3321	162	5	marginal	marginal	ADJ
fsr-3321	162	6	finding	finding	NOUN
fsr-3321	162	7	that	that	PRON
fsr-3321	162	8	shows	show	VERB
fsr-3321	162	9	the	the	DET
fsr-3321	162	10	difference	difference	NOUN
fsr-3321	162	11	in	in	ADP
fsr-3321	162	12	employee	employee	NOUN
fsr-3321	162	13	perception	perception	NOUN
fsr-3321	162	14	about	about	ADP
fsr-3321	162	15	the	the	DET
fsr-3321	162	16	choices	choice	NOUN
fsr-3321	162	17	available	available	ADJ
fsr-3321	162	18	.	.	PUNCT
fsr-3321	163	1	while	while	SCONJ
fsr-3321	163	2	the	the	DET
fsr-3321	163	3	gross	gross	ADJ
fsr-3321	163	4	expenses	expense	NOUN
fsr-3321	163	5	vary	vary	VERB
fsr-3321	163	6	from	from	ADP
fsr-3321	163	7	0.05	0.05	NUM
fsr-3321	163	8	%	%	NOUN
fsr-3321	163	9	to	to	ADP
fsr-3321	163	10	1.23	1.23	NUM
fsr-3321	163	11	%	%	NOUN
fsr-3321	163	12	for	for	ADP
fsr-3321	163	13	fidelity	fidelity	NOUN
fsr-3321	163	14	and	and	CCONJ
fsr-3321	163	15	from	from	ADP
fsr-3321	163	16	0.06	0.06	NUM
fsr-3321	163	17	%	%	NOUN
fsr-3321	163	18	to	to	PART
fsr-3321	163	19	0.87	0.87	NUM
fsr-3321	163	20	%	%	NOUN
fsr-3321	163	21	for	for	ADP
fsr-3321	163	22	tiaa	tiaa	NOUN
fsr-3321	163	23	-	-	PUNCT
fsr-3321	163	24	cref	cref	NOUN
fsr-3321	163	25	(	(	PUNCT
fsr-3321	163	26	excluding	exclude	VERB
fsr-3321	163	27	traditional	traditional	ADJ
fsr-3321	163	28	annuity	annuity	NOUN
fsr-3321	163	29	)	)	PUNCT
fsr-3321	163	30	,	,	PUNCT
fsr-3321	163	31	the	the	DET
fsr-3321	163	32	mean	mean	ADJ
fsr-3321	163	33	expense	expense	NOUN
fsr-3321	163	34	ratios	ratio	NOUN
fsr-3321	163	35	are	be	AUX
fsr-3321	163	36	statistically	statistically	ADV
fsr-3321	163	37	significantly	significantly	ADV
fsr-3321	163	38	different	different	ADJ
fsr-3321	163	39	at	at	ADP
fsr-3321	163	40	0.48	0.48	NUM
fsr-3321	163	41	%	%	NOUN
fsr-3321	163	42	and	and	CCONJ
fsr-3321	163	43	0.40	0.40	NUM
fsr-3321	163	44	%	%	NOUN
fsr-3321	163	45	,	,	PUNCT
fsr-3321	163	46	respectively	respectively	ADV
fsr-3321	163	47	.	.	PUNCT
fsr-3321	164	1	standard	standard	ADJ
fsr-3321	164	2	deviation	deviation	NOUN
fsr-3321	164	3	,	,	PUNCT
fsr-3321	164	4	beta	beta	NOUN
fsr-3321	164	5	,	,	PUNCT
fsr-3321	164	6	and	and	CCONJ
fsr-3321	164	7	risk	risk	NOUN
fsr-3321	164	8	tier	tier	NOUN
fsr-3321	164	9	are	be	AUX
fsr-3321	164	10	all	all	PRON
fsr-3321	164	11	significantly	significantly	ADV
fsr-3321	164	12	different	different	ADJ
fsr-3321	164	13	between	between	ADP
fsr-3321	164	14	the	the	DET
fsr-3321	164	15	groups	group	NOUN
fsr-3321	164	16	.	.	PUNCT
fsr-3321	165	1	mean	mean	VERB
fsr-3321	165	2	standard	standard	ADJ
fsr-3321	165	3	deviations	deviation	NOUN
fsr-3321	165	4	are	be	AUX
fsr-3321	165	5	10.08	10.08	NUM
fsr-3321	165	6	and	and	CCONJ
fsr-3321	165	7	11.59	11.59	NUM
fsr-3321	165	8	,	,	PUNCT
fsr-3321	165	9	betas	beta	NOUN
fsr-3321	165	10	are	be	AUX
fsr-3321	165	11	0.93	0.93	NUM
fsr-3321	165	12	and	and	CCONJ
fsr-3321	165	13	1.05	1.05	NUM
fsr-3321	165	14	,	,	PUNCT
fsr-3321	165	15	and	and	CCONJ
fsr-3321	165	16	average	average	ADJ
fsr-3321	165	17	risk	risk	NOUN
fsr-3321	165	18	tier	tier	NOUN
fsr-3321	165	19	investments	investment	NOUN
fsr-3321	165	20	are	be	AUX
fsr-3321	165	21	3.58	3.58	NUM
fsr-3321	165	22	and	and	CCONJ
fsr-3321	165	23	3.82	3.82	NUM
fsr-3321	165	24	,	,	PUNCT
fsr-3321	165	25	respectively	respectively	ADV
fsr-3321	165	26	,	,	PUNCT
fsr-3321	165	27	for	for	ADP
fsr-3321	165	28	fidelity	fidelity	NOUN
fsr-3321	165	29	and	and	CCONJ
fsr-3321	165	30	tiaa	tiaa	NOUN
fsr-3321	165	31	-	-	PUNCT
fsr-3321	165	32	cref	cref	NOUN
fsr-3321	165	33	.	.	PUNCT
fsr-3321	166	1	the	the	DET
fsr-3321	166	2	average	average	ADJ
fsr-3321	166	3	age	age	NOUN
fsr-3321	166	4	of	of	ADP
fsr-3321	166	5	our	our	PRON
fsr-3321	166	6	sample	sample	NOUN
fsr-3321	166	7	is	be	AUX
fsr-3321	166	8	49.11	49.11	NUM
fsr-3321	166	9	.	.	PUNCT
fsr-3321	167	1	fidelity	fidelity	PROPN
fsr-3321	167	2	participants	participant	NOUN
fsr-3321	167	3	’	'	PUNCT
fsr-3321	167	4	age	age	NOUN
fsr-3321	167	5	averages	average	VERB
fsr-3321	167	6	50.36	50.36	NUM
fsr-3321	167	7	and	and	CCONJ
fsr-3321	167	8	tiaa	tiaa	ADJ
fsr-3321	167	9	-	-	PUNCT
fsr-3321	167	10	cref	cref	NOUN
fsr-3321	167	11	is	be	AUX
fsr-3321	167	12	48.37	48.37	NUM
fsr-3321	167	13	,	,	PUNCT
fsr-3321	167	14	a	a	DET
fsr-3321	167	15	statistically	statistically	ADV
fsr-3321	167	16	significant	significant	ADJ
fsr-3321	167	17	difference	difference	NOUN
fsr-3321	167	18	of	of	ADP
fsr-3321	167	19	two	two	NUM
fsr-3321	167	20	years	year	NOUN
fsr-3321	167	21	.	.	PUNCT
fsr-3321	168	1	in	in	ADP
fsr-3321	168	2	this	this	DET
fsr-3321	168	3	section	section	NOUN
fsr-3321	168	4	we	we	PRON
fsr-3321	168	5	investigate	investigate	VERB
fsr-3321	168	6	whether	whether	SCONJ
fsr-3321	168	7	the	the	DET
fsr-3321	168	8	risk	risk	NOUN
fsr-3321	168	9	associated	associate	VERB
fsr-3321	168	10	with	with	ADP
fsr-3321	168	11	tdi(a	tdi(a	PROPN
fsr-3321	168	12	)	)	PUNCT
fsr-3321	168	13	investments	investment	NOUN
fsr-3321	168	14	differs	differ	VERB
fsr-3321	168	15	from	from	ADP
fsr-3321	168	16	the	the	DET
fsr-3321	168	17	risk	risk	NOUN
fsr-3321	168	18	in	in	ADP
fsr-3321	168	19	the	the	DET
fsr-3321	168	20	orp	orp	PROPN
fsr-3321	168	21	403(b	403(b	PROPN
fsr-3321	168	22	)	)	PUNCT
fsr-3321	168	23	investment	investment	NOUN
fsr-3321	168	24	choices	choice	NOUN
fsr-3321	168	25	.	.	PUNCT
fsr-3321	169	1	we	we	PRON
fsr-3321	169	2	proxy	proxy	VERB
fsr-3321	169	3	for	for	ADP
fsr-3321	169	4	risk	risk	NOUN
fsr-3321	169	5	using	use	VERB
fsr-3321	169	6	the	the	DET
fsr-3321	169	7	weighted	weighted	ADJ
fsr-3321	169	8	average	average	NOUN
fsr-3321	169	9	of	of	ADP
fsr-3321	169	10	the	the	DET
fsr-3321	169	11	risk	risk	NOUN
fsr-3321	169	12	tiers	tier	NOUN
fsr-3321	169	13	of	of	ADP
fsr-3321	169	14	each	each	DET
fsr-3321	169	15	fund	fund	NOUN
fsr-3321	169	16	in	in	ADP
fsr-3321	169	17	the	the	DET
fsr-3321	169	18	individual	individual	NOUN
fsr-3321	169	19	’s	’s	PART
fsr-3321	169	20	portfolio	portfolio	NOUN
fsr-3321	169	21	.	.	PUNCT
fsr-3321	170	1	alternatively	alternatively	ADV
fsr-3321	170	2	,	,	PUNCT
fsr-3321	170	3	we	we	PRON
fsr-3321	170	4	also	also	ADV
fsr-3321	170	5	explore	explore	VERB
fsr-3321	170	6	the	the	DET
fsr-3321	170	7	weighted	weighted	ADJ
fsr-3321	170	8	average	average	NOUN
fsr-3321	170	9	of	of	ADP
fsr-3321	170	10	the	the	DET
fsr-3321	170	11	standard	standard	ADJ
fsr-3321	170	12	deviations	deviation	NOUN
fsr-3321	170	13	,	,	PUNCT
fsr-3321	170	14	provided	provide	VERB
fsr-3321	170	15	by	by	ADP
fsr-3321	170	16	the	the	DET
fsr-3321	170	17	vendor	vendor	NOUN
fsr-3321	170	18	,	,	PUNCT
fsr-3321	170	19	of	of	ADP
fsr-3321	170	20	each	each	DET
fsr-3321	170	21	fund	fund	NOUN
fsr-3321	170	22	in	in	ADP
fsr-3321	170	23	the	the	DET
fsr-3321	170	24	individual	individual	NOUN
fsr-3321	170	25	’s	’s	PART
fsr-3321	170	26	portfolio	portfolio	NOUN
fsr-3321	170	27	as	as	ADP
fsr-3321	170	28	a	a	DET
fsr-3321	170	29	secondary	secondary	ADJ
fsr-3321	170	30	risk	risk	NOUN
fsr-3321	170	31	measure	measure	NOUN
fsr-3321	170	32	.	.	PUNCT
fsr-3321	171	1	table	table	NOUN
fsr-3321	171	2	2	2	NUM
fsr-3321	171	3	investments	investment	NOUN
fsr-3321	171	4	choices	choice	NOUN
fsr-3321	171	5	by	by	ADP
fsr-3321	171	6	vendor	vendor	NOUN
fsr-3321	171	7	full	full	ADJ
fsr-3321	171	8	sample	sample	NOUN
fsr-3321	171	9	mean	mean	NOUN
fsr-3321	171	10	(	(	PUNCT
fsr-3321	171	11	n	n	CCONJ
fsr-3321	171	12	)	)	PUNCT
fsr-3321	171	13	fidelity	fidelity	NOUN
fsr-3321	171	14	sample	sample	NOUN
fsr-3321	171	15	mean	mean	NOUN
fsr-3321	171	16	(	(	PUNCT
fsr-3321	171	17	n	n	CCONJ
fsr-3321	171	18	)	)	PUNCT
fsr-3321	171	19	tiaa	tiaa	ADJ
fsr-3321	171	20	-	-	PUNCT
fsr-3321	171	21	cref	cref	NOUN
fsr-3321	171	22	sample	sample	NOUN
fsr-3321	171	23	mean	mean	VERB
fsr-3321	171	24	(	(	PUNCT
fsr-3321	171	25	n	n	CCONJ
fsr-3321	171	26	)	)	PUNCT
fsr-3321	171	27	number	number	NOUN
fsr-3321	171	28	of	of	ADP
fsr-3321	171	29	funds	fund	NOUN
fsr-3321	171	30	3.90	3.90	NUM
fsr-3321	171	31	(	(	PUNCT
fsr-3321	171	32	2,064	2,064	NUM
fsr-3321	171	33	)	)	PUNCT
fsr-3321	171	34	2.69	2.69	NUM
fsr-3321	171	35	(	(	PUNCT
fsr-3321	171	36	1,175	1,175	NUM
fsr-3321	171	37	)	)	PUNCT
fsr-3321	171	38	5.49	5.49	NUM
fsr-3321	171	39	(	(	PUNCT
fsr-3321	171	40	889	889	NUM
fsr-3321	171	41	)	)	PUNCT
fsr-3321	171	42	gross	gross	ADJ
fsr-3321	171	43	expense	expense	NOUN
fsr-3321	171	44	0.43	0.43	NUM
fsr-3321	171	45	%	%	NOUN
fsr-3321	171	46	(	(	PUNCT
fsr-3321	171	47	9,286	9,286	NUM
fsr-3321	171	48	)	)	PUNCT
fsr-3321	171	49	0.48	0.48	NUM
fsr-3321	171	50	%	%	NOUN
fsr-3321	171	51	(	(	PUNCT
fsr-3321	171	52	3,435	3,435	NUM
fsr-3321	171	53	)	)	PUNCT
fsr-3321	171	54	0.40	0.40	NUM
fsr-3321	171	55	%	%	NOUN
fsr-3321	171	56	(	(	PUNCT
fsr-3321	171	57	5,851	5,851	NUM
fsr-3321	171	58	)	)	PUNCT
fsr-3321	171	59	beta	beta	NOUN
fsr-3321	171	60	.9831	.9831	PROPN
fsr-3321	171	61	(	(	PUNCT
fsr-3321	171	62	5,407	5,407	NUM
fsr-3321	171	63	)	)	PUNCT
fsr-3321	171	64	0.9297	0.9297	NUM
fsr-3321	171	65	(	(	PUNCT
fsr-3321	171	66	2,997	2,997	NUM
fsr-3321	171	67	)	)	PUNCT
fsr-3321	171	68	1.0495	1.0495	NUM
fsr-3321	171	69	(	(	PUNCT
fsr-3321	171	70	2,410	2,410	NUM
fsr-3321	171	71	)	)	PUNCT
fsr-3321	171	72	sd	sd	ADP
fsr-3321	171	73	10.72	10.72	NUM
fsr-3321	171	74	(	(	PUNCT
fsr-3321	171	75	5,627	5,627	NUM
fsr-3321	171	76	)	)	PUNCT
fsr-3321	171	77	10.08	10.08	NUM
fsr-3321	171	78	(	(	PUNCT
fsr-3321	171	79	3,217	3,217	NUM
fsr-3321	171	80	)	)	PUNCT
fsr-3321	171	81	11.59	11.59	NUM
fsr-3321	171	82	(	(	PUNCT
fsr-3321	171	83	2,410	2,410	NUM
fsr-3321	171	84	)	)	PUNCT
fsr-3321	171	85	sharpe	sharpe	NOUN
fsr-3321	171	86	ratio	ratio	NOUN
fsr-3321	171	87	0.9359	0.9359	NUM
fsr-3321	171	88	(	(	PUNCT
fsr-3321	171	89	5,627	5,627	NUM
fsr-3321	171	90	)	)	PUNCT
fsr-3321	171	91	0.9246	0.9246	NUM
fsr-3321	171	92	(	(	PUNCT
fsr-3321	171	93	3,217	3,217	NUM
fsr-3321	171	94	)	)	PUNCT
fsr-3321	171	95	0.9510	0.9510	NUM
fsr-3321	171	96	(	(	PUNCT
fsr-3321	171	97	2,410	2,410	NUM
fsr-3321	171	98	)	)	PUNCT
fsr-3321	171	99	risk	risk	NOUN
fsr-3321	171	100	tier	tier	NOUN
fsr-3321	171	101	3.7	3.7	NUM
fsr-3321	171	102	(	(	PUNCT
fsr-3321	171	103	9,287	9,287	NUM
fsr-3321	171	104	)	)	PUNCT
fsr-3321	171	105	3.6	3.6	NUM
fsr-3321	171	106	(	(	PUNCT
fsr-3321	171	107	3,436	3,436	NUM
fsr-3321	171	108	)	)	PUNCT
fsr-3321	171	109	3.8	3.8	NUM
fsr-3321	171	110	(	(	PUNCT
fsr-3321	171	111	5,851	5,851	NUM
fsr-3321	171	112	)	)	PUNCT
fsr-3321	171	113	results	result	NOUN
fsr-3321	171	114	reported	report	VERB
fsr-3321	171	115	are	be	AUX
fsr-3321	171	116	the	the	DET
fsr-3321	171	117	mean	mean	ADJ
fsr-3321	171	118	value	value	NOUN
fsr-3321	171	119	for	for	ADP
fsr-3321	171	120	each	each	DET
fsr-3321	171	121	variable	variable	NOUN
fsr-3321	171	122	with	with	ADP
fsr-3321	171	123	number	number	NOUN
fsr-3321	171	124	of	of	ADP
fsr-3321	171	125	observations	observation	NOUN
fsr-3321	171	126	in	in	ADP
fsr-3321	171	127	parentheses	parenthesis	NOUN
fsr-3321	171	128	.	.	PUNCT
fsr-3321	172	1	orp	orp	PROPN
fsr-3321	172	2	�	�	PROPN
fsr-3321	172	3	optional	optional	ADJ
fsr-3321	172	4	retirement	retirement	NOUN
fsr-3321	172	5	plan	plan	NOUN
fsr-3321	172	6	.	.	PUNCT
fsr-3321	173	1	248	248	NUM
fsr-3321	173	2	a.	a.	NOUN
fsr-3321	173	3	anthony	anthony	PROPN
fsr-3321	173	4	et	et	PROPN
fsr-3321	173	5	al	al	PROPN
fsr-3321	173	6	.	.	PUNCT
fsr-3321	173	7	/	/	SYM
fsr-3321	173	8	financial	financial	ADJ
fsr-3321	173	9	services	service	NOUN
fsr-3321	173	10	review	review	VERB
fsr-3321	173	11	26	26	NUM
fsr-3321	173	12	(	(	PUNCT
fsr-3321	173	13	2017	2017	NUM
fsr-3321	173	14	)	)	PUNCT
fsr-3321	173	15	241–254	241–254	NUM
fsr-3321	173	16	table	table	NOUN
fsr-3321	173	17	3	3	NUM
fsr-3321	173	18	presents	present	VERB
fsr-3321	173	19	the	the	DET
fsr-3321	173	20	multivariate	multivariate	NOUN
fsr-3321	173	21	regression	regression	NOUN
fsr-3321	173	22	results	result	NOUN
fsr-3321	173	23	based	base	VERB
fsr-3321	173	24	on	on	ADP
fsr-3321	173	25	investment	investment	NOUN
fsr-3321	173	26	choice	choice	NOUN
fsr-3321	173	27	and	and	CCONJ
fsr-3321	173	28	the	the	DET
fsr-3321	173	29	type	type	NOUN
fsr-3321	173	30	of	of	ADP
fsr-3321	173	31	account	account	NOUN
fsr-3321	173	32	.	.	PUNCT
fsr-3321	174	1	we	we	PRON
fsr-3321	174	2	use	use	VERB
fsr-3321	174	3	the	the	DET
fsr-3321	174	4	actual	actual	ADJ
fsr-3321	174	5	portfolio	portfolio	NOUN
fsr-3321	174	6	holdings	holding	NOUN
fsr-3321	174	7	in	in	ADP
fsr-3321	174	8	each	each	DET
fsr-3321	174	9	fund	fund	NOUN
fsr-3321	174	10	to	to	PART
fsr-3321	174	11	calculate	calculate	VERB
fsr-3321	174	12	the	the	DET
fsr-3321	174	13	appropriate	appropriate	ADJ
fsr-3321	174	14	weighted	weight	VERB
fsr-3321	174	15	average	average	NOUN
fsr-3321	174	16	.	.	PUNCT
fsr-3321	175	1	individuals	individual	NOUN
fsr-3321	175	2	who	who	PRON
fsr-3321	175	3	have	have	AUX
fsr-3321	175	4	missing	miss	VERB
fsr-3321	175	5	observations	observation	NOUN
fsr-3321	175	6	for	for	ADP
fsr-3321	175	7	our	our	PRON
fsr-3321	175	8	proxies	proxy	NOUN
fsr-3321	175	9	of	of	ADP
fsr-3321	175	10	risk	risk	NOUN
fsr-3321	175	11	are	be	AUX
fsr-3321	175	12	removed	remove	VERB
fsr-3321	175	13	from	from	ADP
fsr-3321	175	14	the	the	DET
fsr-3321	175	15	sample	sample	NOUN
fsr-3321	175	16	.	.	PUNCT
fsr-3321	176	1	if	if	SCONJ
fsr-3321	176	2	an	an	DET
fsr-3321	176	3	individual	individual	NOUN
fsr-3321	176	4	has	have	VERB
fsr-3321	176	5	both	both	CCONJ
fsr-3321	176	6	an	an	DET
fsr-3321	176	7	orp	orp	PROPN
fsr-3321	176	8	account	account	NOUN
fsr-3321	176	9	and	and	CCONJ
fsr-3321	176	10	a	a	DET
fsr-3321	176	11	tdi	tdi	PROPN
fsr-3321	176	12	account	account	NOUN
fsr-3321	176	13	they	they	PRON
fsr-3321	176	14	will	will	AUX
fsr-3321	176	15	appear	appear	VERB
fsr-3321	176	16	in	in	ADP
fsr-3321	176	17	the	the	DET
fsr-3321	176	18	sample	sample	NOUN
fsr-3321	176	19	twice	twice	ADV
fsr-3321	176	20	.	.	PUNCT
fsr-3321	177	1	thus	thus	ADV
fsr-3321	177	2	,	,	PUNCT
fsr-3321	177	3	the	the	DET
fsr-3321	177	4	sample	sample	NOUN
fsr-3321	177	5	number	number	NOUN
fsr-3321	177	6	of	of	ADP
fsr-3321	177	7	observations	observation	NOUN
fsr-3321	177	8	for	for	ADP
fsr-3321	177	9	the	the	DET
fsr-3321	177	10	multivariate	multivariate	NOUN
fsr-3321	177	11	regressions	regression	NOUN
fsr-3321	177	12	is	be	AUX
fsr-3321	177	13	slightly	slightly	ADV
fsr-3321	177	14	larger	large	ADJ
fsr-3321	177	15	than	than	ADP
fsr-3321	177	16	the	the	DET
fsr-3321	177	17	number	number	NOUN
fsr-3321	177	18	of	of	ADP
fsr-3321	177	19	unique	unique	ADJ
fsr-3321	177	20	individuals	individual	NOUN
fsr-3321	177	21	.	.	PUNCT
fsr-3321	178	1	there	there	PRON
fsr-3321	178	2	were	be	VERB
fsr-3321	178	3	583	583	NUM
fsr-3321	178	4	unique	unique	ADJ
fsr-3321	178	5	participants	participant	NOUN
fsr-3321	178	6	who	who	PRON
fsr-3321	178	7	are	be	AUX
fsr-3321	178	8	enrolled	enrol	VERB
fsr-3321	178	9	in	in	ADP
fsr-3321	178	10	the	the	DET
fsr-3321	178	11	401(a	401(a	PROPN
fsr-3321	178	12	)	)	PUNCT
fsr-3321	178	13	plan	plan	NOUN
fsr-3321	178	14	and	and	CCONJ
fsr-3321	178	15	567	567	NUM
fsr-3321	178	16	in	in	ADP
fsr-3321	178	17	the	the	DET
fsr-3321	178	18	403(b	403(b	PROPN
fsr-3321	178	19	)	)	PUNCT
fsr-3321	178	20	plan	plan	NOUN
fsr-3321	178	21	.	.	PUNCT
fsr-3321	179	1	the	the	DET
fsr-3321	179	2	average	average	ADJ
fsr-3321	179	3	age	age	NOUN
fsr-3321	179	4	in	in	ADP
fsr-3321	179	5	the	the	DET
fsr-3321	179	6	full	full	ADJ
fsr-3321	179	7	sample	sample	NOUN
fsr-3321	179	8	is	be	AUX
fsr-3321	179	9	49.9	49.9	NUM
fsr-3321	179	10	,	,	PUNCT
fsr-3321	179	11	with	with	ADP
fsr-3321	179	12	the	the	DET
fsr-3321	179	13	age	age	NOUN
fsr-3321	179	14	in	in	ADP
fsr-3321	179	15	the	the	DET
fsr-3321	179	16	403(b	403(b	PROPN
fsr-3321	179	17	)	)	PUNCT
fsr-3321	179	18	slightly	slightly	ADV
fsr-3321	179	19	higher	high	ADJ
fsr-3321	179	20	at	at	ADP
fsr-3321	179	21	52.71	52.71	NUM
fsr-3321	179	22	years	year	NOUN
fsr-3321	179	23	than	than	ADP
fsr-3321	179	24	the	the	DET
fsr-3321	179	25	401(a	401(a	PROPN
fsr-3321	179	26	)	)	PUNCT
fsr-3321	179	27	plan	plan	NOUN
fsr-3321	179	28	at	at	ADP
fsr-3321	179	29	47.16	47.16	NUM
fsr-3321	179	30	years	year	NOUN
fsr-3321	179	31	.	.	PUNCT
fsr-3321	180	1	in	in	ADP
fsr-3321	180	2	support	support	NOUN
fsr-3321	180	3	of	of	ADP
fsr-3321	180	4	the	the	DET
fsr-3321	180	5	theory	theory	NOUN
fsr-3321	180	6	,	,	PUNCT
fsr-3321	180	7	we	we	PRON
fsr-3321	180	8	find	find	VERB
fsr-3321	180	9	that	that	SCONJ
fsr-3321	180	10	employees	employee	NOUN
fsr-3321	180	11	treat	treat	VERB
fsr-3321	180	12	their	their	PRON
fsr-3321	180	13	401(a	401(a	PROPN
fsr-3321	180	14	)	)	PUNCT
fsr-3321	180	15	accounts	account	VERB
fsr-3321	180	16	differently	differently	ADV
fsr-3321	180	17	from	from	ADP
fsr-3321	180	18	the	the	DET
fsr-3321	180	19	403(b	403(b	PROPN
fsr-3321	180	20	)	)	PUNCT
fsr-3321	180	21	accounts	account	NOUN
fsr-3321	180	22	.	.	PUNCT
fsr-3321	181	1	the	the	DET
fsr-3321	181	2	tdi	tdi	PROPN
fsr-3321	181	3	403(b	403(b	PROPN
fsr-3321	181	4	)	)	PUNCT
fsr-3321	181	5	dummy	dummy	NOUN
fsr-3321	181	6	is	be	AUX
fsr-3321	181	7	negative	negative	ADJ
fsr-3321	181	8	and	and	CCONJ
fsr-3321	181	9	statistically	statistically	ADV
fsr-3321	181	10	significant	significant	ADJ
fsr-3321	181	11	.	.	PUNCT
fsr-3321	182	1	the	the	DET
fsr-3321	182	2	level	level	NOUN
fsr-3321	182	3	of	of	ADP
fsr-3321	182	4	risk	risk	NOUN
fsr-3321	182	5	associated	associate	VERB
fsr-3321	182	6	with	with	ADP
fsr-3321	182	7	voluntary	voluntary	ADJ
fsr-3321	182	8	,	,	PUNCT
fsr-3321	182	9	salary	salary	NOUN
fsr-3321	182	10	reduction	reduction	NOUN
fsr-3321	182	11	investments	investment	NOUN
fsr-3321	182	12	in	in	ADP
fsr-3321	182	13	403(b	403(b	PROPN
fsr-3321	182	14	)	)	PUNCT
fsr-3321	182	15	accounts	account	NOUN
fsr-3321	182	16	is	be	AUX
fsr-3321	182	17	lower	low	ADJ
fsr-3321	182	18	than	than	SCONJ
fsr-3321	182	19	the	the	DET
fsr-3321	182	20	risk	risk	NOUN
fsr-3321	182	21	employees	employee	NOUN
fsr-3321	182	22	are	be	AUX
fsr-3321	182	23	currently	currently	ADV
fsr-3321	182	24	taking	take	VERB
fsr-3321	182	25	in	in	ADP
fsr-3321	182	26	their	their	PRON
fsr-3321	182	27	employer	employer	NOUN
fsr-3321	182	28	funded	fund	VERB
fsr-3321	182	29	401(a	401(a	PROPN
fsr-3321	182	30	)	)	PUNCT
fsr-3321	182	31	accounts	account	NOUN
fsr-3321	182	32	.	.	PUNCT
fsr-3321	183	1	the	the	DET
fsr-3321	183	2	results	result	NOUN
fsr-3321	183	3	hold	hold	VERB
fsr-3321	183	4	irrespective	irrespective	ADV
fsr-3321	183	5	of	of	ADP
fsr-3321	183	6	the	the	DET
fsr-3321	183	7	measure	measure	NOUN
fsr-3321	183	8	of	of	ADP
fsr-3321	183	9	risk	risk	NOUN
fsr-3321	183	10	(	(	PUNCT
fsr-3321	183	11	using	use	VERB
fsr-3321	183	12	risk	risk	NOUN
fsr-3321	183	13	tier	tier	NOUN
fsr-3321	183	14	and	and	CCONJ
fsr-3321	183	15	standard	standard	ADJ
fsr-3321	183	16	deviation	deviation	NOUN
fsr-3321	183	17	)	)	PUNCT
fsr-3321	183	18	.	.	PUNCT
fsr-3321	184	1	these	these	DET
fsr-3321	184	2	findings	finding	NOUN
fsr-3321	184	3	are	be	AUX
fsr-3321	184	4	consistent	consistent	ADJ
fsr-3321	184	5	with	with	ADP
fsr-3321	184	6	the	the	DET
fsr-3321	184	7	notion	notion	NOUN
fsr-3321	184	8	of	of	ADP
fsr-3321	184	9	a	a	DET
fsr-3321	184	10	house	house	NOUN
fsr-3321	184	11	money	money	NOUN
fsr-3321	184	12	effect	effect	NOUN
fsr-3321	184	13	.	.	PUNCT
fsr-3321	185	1	employees	employee	NOUN
fsr-3321	185	2	appear	appear	VERB
fsr-3321	185	3	be	be	AUX
fsr-3321	185	4	more	more	ADV
fsr-3321	185	5	willing	willing	ADJ
fsr-3321	185	6	to	to	PART
fsr-3321	185	7	take	take	VERB
fsr-3321	185	8	risk	risk	NOUN
fsr-3321	185	9	with	with	ADP
fsr-3321	185	10	the	the	DET
fsr-3321	185	11	employer	employer	NOUN
fsr-3321	185	12	money	money	NOUN
fsr-3321	185	13	,	,	PUNCT
fsr-3321	185	14	or	or	CCONJ
fsr-3321	185	15	“	"	PUNCT
fsr-3321	185	16	free	free	ADJ
fsr-3321	185	17	money	money	NOUN
fsr-3321	185	18	,	,	PUNCT
fsr-3321	185	19	”	"	PUNCT
fsr-3321	185	20	than	than	ADP
fsr-3321	185	21	their	their	PRON
fsr-3321	185	22	own	own	ADJ
fsr-3321	185	23	salary	salary	NOUN
fsr-3321	185	24	reduction	reduction	NOUN
fsr-3321	185	25	contribution	contribution	NOUN
fsr-3321	185	26	to	to	ADP
fsr-3321	185	27	the	the	DET
fsr-3321	185	28	403(b	403(b	PROPN
fsr-3321	185	29	)	)	PUNCT
fsr-3321	185	30	account	account	NOUN
fsr-3321	185	31	.	.	PUNCT
fsr-3321	186	1	we	we	PRON
fsr-3321	186	2	also	also	ADV
fsr-3321	186	3	examine	examine	VERB
fsr-3321	186	4	a	a	DET
fsr-3321	186	5	special	special	ADJ
fsr-3321	186	6	subpopulation	subpopulation	NOUN
fsr-3321	186	7	consisting	consist	VERB
fsr-3321	186	8	of	of	ADP
fsr-3321	186	9	the	the	DET
fsr-3321	186	10	374	374	NUM
fsr-3321	186	11	individuals	individual	NOUN
fsr-3321	186	12	in	in	ADP
fsr-3321	186	13	the	the	DET
fsr-3321	186	14	sample	sample	NOUN
fsr-3321	186	15	who	who	PRON
fsr-3321	186	16	have	have	VERB
fsr-3321	186	17	both	both	CCONJ
fsr-3321	186	18	an	an	DET
fsr-3321	186	19	orp	orp	PROPN
fsr-3321	186	20	account	account	NOUN
fsr-3321	186	21	and	and	CCONJ
fsr-3321	186	22	a	a	DET
fsr-3321	186	23	tdi	tdi	PROPN
fsr-3321	186	24	account	account	NOUN
fsr-3321	186	25	.	.	PUNCT
fsr-3321	187	1	for	for	ADP
fsr-3321	187	2	those	those	DET
fsr-3321	187	3	people	people	NOUN
fsr-3321	187	4	,	,	PUNCT
fsr-3321	187	5	the	the	DET
fsr-3321	187	6	average	average	ADJ
fsr-3321	187	7	risk	risk	NOUN
fsr-3321	187	8	tier	tier	NOUN
fsr-3321	187	9	for	for	ADP
fsr-3321	187	10	the	the	DET
fsr-3321	187	11	orp	orp	PROPN
fsr-3321	187	12	is	be	AUX
fsr-3321	187	13	3.44	3.44	NUM
fsr-3321	187	14	with	with	ADP
fsr-3321	187	15	a	a	DET
fsr-3321	187	16	95	95	NUM
fsr-3321	187	17	%	%	NOUN
fsr-3321	187	18	confidence	confidence	NOUN
fsr-3321	187	19	interval	interval	NOUN
fsr-3321	187	20	between	between	ADP
fsr-3321	187	21	3.34	3.34	NUM
fsr-3321	187	22	and	and	CCONJ
fsr-3321	187	23	3.53	3.53	NUM
fsr-3321	187	24	.	.	PUNCT
fsr-3321	188	1	the	the	DET
fsr-3321	188	2	average	average	ADJ
fsr-3321	188	3	risk	risk	NOUN
fsr-3321	188	4	tier	tier	NOUN
fsr-3321	188	5	for	for	ADP
fsr-3321	188	6	the	the	DET
fsr-3321	188	7	tdi	tdi	PROPN
fsr-3321	188	8	account	account	NOUN
fsr-3321	188	9	is	be	AUX
fsr-3321	188	10	3.26	3.26	NUM
fsr-3321	188	11	with	with	ADP
fsr-3321	188	12	a	a	DET
fsr-3321	188	13	95	95	NUM
fsr-3321	188	14	%	%	NOUN
fsr-3321	188	15	confidence	confidence	NOUN
fsr-3321	188	16	interval	interval	NOUN
fsr-3321	188	17	between	between	ADP
fsr-3321	188	18	3.14	3.14	NUM
fsr-3321	188	19	and	and	CCONJ
fsr-3321	188	20	3.37	3.37	NUM
fsr-3321	188	21	.	.	PUNCT
fsr-3321	189	1	we	we	PRON
fsr-3321	189	2	find	find	VERB
fsr-3321	189	3	a	a	DET
fsr-3321	189	4	statistically	statistically	ADV
fsr-3321	189	5	significant	significant	ADJ
fsr-3321	189	6	difference	difference	NOUN
fsr-3321	189	7	in	in	ADP
fsr-3321	189	8	risk	risk	NOUN
fsr-3321	189	9	of	of	ADP
fsr-3321	189	10	0.177	0.177	NUM
fsr-3321	189	11	between	between	ADP
fsr-3321	189	12	the	the	DET
fsr-3321	189	13	groups	group	NOUN
fsr-3321	189	14	.	.	PUNCT
fsr-3321	190	1	forty	forty	NUM
fsr-3321	190	2	-	-	PUNCT
fsr-3321	190	3	six	six	NUM
fsr-3321	190	4	percent	percent	NOUN
fsr-3321	190	5	of	of	ADP
fsr-3321	190	6	the	the	DET
fsr-3321	190	7	individuals	individual	NOUN
fsr-3321	190	8	have	have	VERB
fsr-3321	190	9	no	no	DET
fsr-3321	190	10	difference	difference	NOUN
fsr-3321	190	11	in	in	ADP
fsr-3321	190	12	risk	risk	NOUN
fsr-3321	190	13	tiers	tier	NOUN
fsr-3321	190	14	between	between	ADP
fsr-3321	190	15	orp	orp	PROPN
fsr-3321	190	16	and	and	CCONJ
fsr-3321	190	17	tdi	tdi	PROPN
fsr-3321	190	18	,	,	PUNCT
fsr-3321	190	19	34	34	NUM
fsr-3321	190	20	%	%	NOUN
fsr-3321	190	21	have	have	VERB
fsr-3321	190	22	a	a	DET
fsr-3321	190	23	difference	difference	NOUN
fsr-3321	190	24	of	of	ADP
fsr-3321	190	25	less	less	ADJ
fsr-3321	190	26	than	than	ADP
fsr-3321	190	27	1	1	NUM
fsr-3321	190	28	between	between	ADP
fsr-3321	190	29	the	the	DET
fsr-3321	190	30	two	two	NUM
fsr-3321	190	31	types	type	NOUN
fsr-3321	190	32	,	,	PUNCT
fsr-3321	190	33	15	15	NUM
fsr-3321	190	34	%	%	NOUN
fsr-3321	190	35	of	of	ADP
fsr-3321	190	36	individuals	individual	NOUN
fsr-3321	190	37	have	have	VERB
fsr-3321	190	38	a	a	DET
fsr-3321	190	39	difference	difference	NOUN
fsr-3321	190	40	between	between	ADP
fsr-3321	190	41	1	1	NUM
fsr-3321	190	42	and	and	CCONJ
fsr-3321	190	43	3	3	NUM
fsr-3321	190	44	,	,	PUNCT
fsr-3321	190	45	and	and	CCONJ
fsr-3321	190	46	5	5	NUM
fsr-3321	190	47	%	%	NOUN
fsr-3321	190	48	have	have	VERB
fsr-3321	190	49	a	a	DET
fsr-3321	190	50	difference	difference	NOUN
fsr-3321	190	51	of	of	ADP
fsr-3321	190	52	greater	great	ADJ
fsr-3321	190	53	than	than	ADP
fsr-3321	190	54	3	3	NUM
fsr-3321	190	55	.	.	PUNCT
fsr-3321	191	1	we	we	PRON
fsr-3321	191	2	also	also	ADV
fsr-3321	191	3	observe	observe	VERB
fsr-3321	191	4	that	that	SCONJ
fsr-3321	191	5	age	age	NOUN
fsr-3321	191	6	is	be	AUX
fsr-3321	191	7	statistically	statistically	ADV
fsr-3321	191	8	and	and	CCONJ
fsr-3321	191	9	negatively	negatively	ADV
fsr-3321	191	10	related	relate	VERB
fsr-3321	191	11	to	to	ADP
fsr-3321	191	12	risk	risk	NOUN
fsr-3321	191	13	.	.	PUNCT
fsr-3321	192	1	older	old	ADJ
fsr-3321	192	2	employees	employee	NOUN
fsr-3321	192	3	are	be	AUX
fsr-3321	192	4	more	more	ADV
fsr-3321	192	5	conservative	conservative	ADJ
fsr-3321	192	6	in	in	ADP
fsr-3321	192	7	their	their	PRON
fsr-3321	192	8	investment	investment	NOUN
fsr-3321	192	9	choices	choice	NOUN
fsr-3321	192	10	,	,	PUNCT
fsr-3321	192	11	which	which	PRON
fsr-3321	192	12	is	be	AUX
fsr-3321	192	13	expected	expect	VERB
fsr-3321	192	14	given	give	VERB
fsr-3321	192	15	their	their	PRON
fsr-3321	192	16	proximity	proximity	NOUN
fsr-3321	192	17	to	to	ADP
fsr-3321	192	18	retirement	retirement	NOUN
fsr-3321	192	19	.	.	PUNCT
fsr-3321	193	1	to	to	PART
fsr-3321	193	2	further	far	ADV
fsr-3321	193	3	test	test	VERB
fsr-3321	193	4	the	the	DET
fsr-3321	193	5	house	house	NOUN
fsr-3321	193	6	money	money	NOUN
fsr-3321	193	7	effect	effect	NOUN
fsr-3321	193	8	,	,	PUNCT
fsr-3321	193	9	we	we	PRON
fsr-3321	193	10	add	add	VERB
fsr-3321	193	11	a	a	DET
fsr-3321	193	12	dummy	dummy	NOUN
fsr-3321	193	13	in	in	ADP
fsr-3321	193	14	table	table	NOUN
fsr-3321	193	15	1	1	NUM
fsr-3321	193	16	for	for	ADP
fsr-3321	193	17	the	the	DET
fsr-3321	193	18	non	non	ADJ
fsr-3321	193	19	-	-	ADJ
fsr-3321	193	20	vested	vested	ADJ
fsr-3321	193	21	employer	employer	NOUN
fsr-3321	193	22	accounts	account	NOUN
fsr-3321	193	23	.	.	PUNCT
fsr-3321	194	1	our	our	PRON
fsr-3321	194	2	hypothesis	hypothesis	NOUN
fsr-3321	194	3	that	that	PRON
fsr-3321	194	4	employees	employee	NOUN
fsr-3321	194	5	take	take	VERB
fsr-3321	194	6	more	more	ADJ
fsr-3321	194	7	risk	risk	NOUN
fsr-3321	194	8	with	with	ADP
fsr-3321	194	9	other	other	ADJ
fsr-3321	194	10	people	people	NOUN
fsr-3321	194	11	’s	’s	PART
fsr-3321	194	12	money	money	NOUN
fsr-3321	194	13	table	table	NOUN
fsr-3321	194	14	3	3	NUM
fsr-3321	194	15	the	the	DET
fsr-3321	194	16	relationship	relationship	NOUN
fsr-3321	194	17	between	between	ADP
fsr-3321	194	18	type	type	NOUN
fsr-3321	194	19	of	of	ADP
fsr-3321	194	20	account	account	NOUN
fsr-3321	194	21	and	and	CCONJ
fsr-3321	194	22	risk	risk	NOUN
fsr-3321	194	23	model	model	NOUN
fsr-3321	194	24	1	1	NUM
fsr-3321	194	25	model	model	NOUN
fsr-3321	194	26	2	2	NUM
fsr-3321	194	27	model	model	NOUN
fsr-3321	194	28	3	3	NUM
fsr-3321	194	29	variables	variable	NOUN
fsr-3321	194	30	combined	combine	VERB
fsr-3321	194	31	orp	orp	PROPN
fsr-3321	194	32	401(a	401(a	PROPN
fsr-3321	194	33	)	)	PUNCT
fsr-3321	194	34	tdi	tdi	PROPN
fsr-3321	194	35	403(b	403(b	PROPN
fsr-3321	194	36	)	)	PUNCT
fsr-3321	194	37	fidelity	fidelity	NOUN
fsr-3321	194	38	dummy	dummy	NOUN
fsr-3321	194	39	0.236	0.236	NUM
fsr-3321	194	40	*	*	PUNCT
fsr-3321	194	41	*	*	PUNCT
fsr-3321	194	42	*	*	PUNCT
fsr-3321	194	43	(	(	PUNCT
fsr-3321	194	44	4.77	4.77	NUM
fsr-3321	194	45	)	)	PUNCT
fsr-3321	194	46	0.182	0.182	NOUN
fsr-3321	194	47	*	*	PUNCT
fsr-3321	194	48	*	*	PUNCT
fsr-3321	194	49	*	*	PUNCT
fsr-3321	194	50	(	(	PUNCT
fsr-3321	194	51	2.70	2.70	NUM
fsr-3321	194	52	)	)	PUNCT
fsr-3321	194	53	0.315	0.315	NUM
fsr-3321	194	54	*	*	PUNCT
fsr-3321	194	55	*	*	PUNCT
fsr-3321	194	56	*	*	PUNCT
fsr-3321	194	57	(	(	PUNCT
fsr-3321	194	58	4.28	4.28	NUM
fsr-3321	194	59	)	)	PUNCT
fsr-3321	194	60	tdi	tdi	PROPN
fsr-3321	194	61	403(b	403(b	PROPN
fsr-3321	194	62	)	)	PUNCT
fsr-3321	194	63	dummy	dummy	PROPN
fsr-3321	194	64	�	�	PROPN
fsr-3321	194	65	0.233	0.233	NUM
fsr-3321	194	66	*	*	PUNCT
fsr-3321	194	67	*	*	PUNCT
fsr-3321	194	68	*	*	PUNCT
fsr-3321	194	69	(	(	PUNCT
fsr-3321	194	70	�	�	NOUN
fsr-3321	194	71	4.64	4.64	NUM
fsr-3321	194	72	)	)	PUNCT
fsr-3321	194	73	age	age	NOUN
fsr-3321	194	74	�	�	PROPN
fsr-3321	194	75	0.00504	0.00504	NUM
fsr-3321	194	76	*	*	SYM
fsr-3321	194	77	(	(	PUNCT
fsr-3321	194	78	�	�	PROPN
fsr-3321	194	79	1.94	1.94	NUM
fsr-3321	194	80	)	)	PUNCT
fsr-3321	194	81	�	�	PROPN
fsr-3321	194	82	0.00309	0.00309	NUM
fsr-3321	194	83	(	(	PUNCT
fsr-3321	194	84	�	�	PROPN
fsr-3321	194	85	0.87	0.87	NUM
fsr-3321	194	86	)	)	PUNCT
fsr-3321	194	87	�	�	PROPN
fsr-3321	194	88	0.00782	0.00782	NUM
fsr-3321	194	89	*	*	SYM
fsr-3321	194	90	*	*	PUNCT
fsr-3321	194	91	(	(	PUNCT
fsr-3321	194	92	�	�	NOUN
fsr-3321	194	93	2.07	2.07	NUM
fsr-3321	194	94	)	)	PUNCT
fsr-3321	194	95	tier	tier	NOUN
fsr-3321	194	96	�	�	PROPN
fsr-3321	194	97	0.122	0.122	NUM
fsr-3321	194	98	*	*	SYM
fsr-3321	194	99	*	*	PUNCT
fsr-3321	194	100	*	*	PUNCT
fsr-3321	194	101	(	(	PUNCT
fsr-3321	194	102	�	�	NOUN
fsr-3321	194	103	3.60	3.60	NUM
fsr-3321	194	104	)	)	PUNCT
fsr-3321	194	105	�	�	NOUN
fsr-3321	194	106	0.153	0.153	NUM
fsr-3321	194	107	*	*	PUNCT
fsr-3321	194	108	*	*	PUNCT
fsr-3321	194	109	*	*	PUNCT
fsr-3321	194	110	(	(	PUNCT
fsr-3321	194	111	�	�	NOUN
fsr-3321	194	112	2.97	2.97	NUM
fsr-3321	194	113	)	)	PUNCT
fsr-3321	194	114	�	�	NOUN
fsr-3321	194	115	0.103	0.103	NUM
fsr-3321	194	116	*	*	NOUN
fsr-3321	194	117	*	*	PUNCT
fsr-3321	194	118	(	(	PUNCT
fsr-3321	194	119	�	�	NOUN
fsr-3321	194	120	2.29	2.29	NUM
fsr-3321	194	121	)	)	PUNCT
fsr-3321	194	122	constant	constant	ADJ
fsr-3321	194	123	3.874	3.874	NUM
fsr-3321	194	124	*	*	PUNCT
fsr-3321	194	125	*	*	PUNCT
fsr-3321	194	126	*	*	PUNCT
fsr-3321	194	127	(	(	PUNCT
fsr-3321	194	128	20.05	20.05	NUM
fsr-3321	194	129	)	)	PUNCT
fsr-3321	194	130	3.891	3.891	NUM
fsr-3321	194	131	*	*	PUNCT
fsr-3321	194	132	*	*	PUNCT
fsr-3321	194	133	*	*	PUNCT
fsr-3321	194	134	(	(	PUNCT
fsr-3321	194	135	14.33	14.33	NUM
fsr-3321	194	136	)	)	PUNCT
fsr-3321	194	137	3.697	3.697	NUM
fsr-3321	194	138	*	*	PUNCT
fsr-3321	194	139	*	*	PUNCT
fsr-3321	194	140	*	*	PUNCT
fsr-3321	194	141	(	(	PUNCT
fsr-3321	194	142	13.25	13.25	NUM
fsr-3321	194	143	)	)	PUNCT
fsr-3321	194	144	observations	observation	NOUN
fsr-3321	194	145	2,435	2,435	NUM
fsr-3321	194	146	1,340	1,340	NUM
fsr-3321	194	147	1,095	1,095	NUM
fsr-3321	194	148	r2	r2	NOUN
fsr-3321	194	149	0.023	0.023	NUM
fsr-3321	194	150	0.014	0.014	NUM
fsr-3321	194	151	0.024	0.024	NUM
fsr-3321	194	152	the	the	DET
fsr-3321	194	153	dependent	dependent	ADJ
fsr-3321	194	154	variable	variable	NOUN
fsr-3321	194	155	is	be	AUX
fsr-3321	194	156	the	the	DET
fsr-3321	194	157	weighted	weight	VERB
fsr-3321	194	158	-	-	PUNCT
fsr-3321	194	159	average	average	NOUN
fsr-3321	194	160	portfolio	portfolio	NOUN
fsr-3321	194	161	risk	risk	NOUN
fsr-3321	194	162	tier	tier	NOUN
fsr-3321	194	163	.	.	PUNCT
fsr-3321	195	1	the	the	DET
fsr-3321	195	2	independent	independent	ADJ
fsr-3321	195	3	variables	variable	NOUN
fsr-3321	195	4	are	be	AUX
fsr-3321	195	5	a	a	DET
fsr-3321	195	6	fidelity	fidelity	NOUN
fsr-3321	195	7	dummy	dummy	NOUN
fsr-3321	195	8	equal	equal	ADJ
fsr-3321	195	9	to	to	ADP
fsr-3321	195	10	1	1	NUM
fsr-3321	195	11	if	if	SCONJ
fsr-3321	195	12	the	the	DET
fsr-3321	195	13	participant	participant	NOUN
fsr-3321	195	14	is	be	AUX
fsr-3321	195	15	enrolled	enrol	VERB
fsr-3321	195	16	in	in	ADP
fsr-3321	195	17	a	a	DET
fsr-3321	195	18	fidelity	fidelity	NOUN
fsr-3321	195	19	fund	fund	NOUN
fsr-3321	195	20	and	and	CCONJ
fsr-3321	195	21	0	0	NUM
fsr-3321	195	22	otherwise	otherwise	ADV
fsr-3321	195	23	,	,	PUNCT
fsr-3321	195	24	a	a	DET
fsr-3321	195	25	tdi	tdi	PROPN
fsr-3321	195	26	403(b	403(b	PROPN
fsr-3321	195	27	)	)	PUNCT
fsr-3321	195	28	dummy	dummy	NOUN
fsr-3321	195	29	equal	equal	ADJ
fsr-3321	195	30	to	to	ADP
fsr-3321	195	31	1	1	NUM
fsr-3321	195	32	if	if	SCONJ
fsr-3321	195	33	the	the	DET
fsr-3321	195	34	participant	participant	NOUN
fsr-3321	195	35	is	be	AUX
fsr-3321	195	36	enrolled	enrol	VERB
fsr-3321	195	37	in	in	ADP
fsr-3321	195	38	the	the	DET
fsr-3321	195	39	403(b	403(b	PROPN
fsr-3321	195	40	)	)	PUNCT
fsr-3321	195	41	plan	plan	NOUN
fsr-3321	195	42	and	and	CCONJ
fsr-3321	195	43	0	0	NUM
fsr-3321	195	44	otherwise	otherwise	ADV
fsr-3321	195	45	,	,	PUNCT
fsr-3321	195	46	age	age	NOUN
fsr-3321	195	47	equal	equal	ADJ
fsr-3321	195	48	to	to	ADP
fsr-3321	195	49	the	the	DET
fsr-3321	195	50	current	current	ADJ
fsr-3321	195	51	age	age	NOUN
fsr-3321	195	52	of	of	ADP
fsr-3321	195	53	the	the	DET
fsr-3321	195	54	participant	participant	NOUN
fsr-3321	195	55	as	as	SCONJ
fsr-3321	195	56	provided	provide	VERB
fsr-3321	195	57	by	by	ADP
fsr-3321	195	58	the	the	DET
fsr-3321	195	59	plan	plan	NOUN
fsr-3321	195	60	sponsor	sponsor	NOUN
fsr-3321	195	61	,	,	PUNCT
fsr-3321	195	62	and	and	CCONJ
fsr-3321	195	63	tier	tier	NOUN
fsr-3321	195	64	equal	equal	ADJ
fsr-3321	195	65	to	to	ADP
fsr-3321	195	66	the	the	DET
fsr-3321	195	67	current	current	ADJ
fsr-3321	195	68	tier	tier	NOUN
fsr-3321	195	69	of	of	ADP
fsr-3321	195	70	the	the	DET
fsr-3321	195	71	employees	employee	NOUN
fsr-3321	195	72	based	base	VERB
fsr-3321	195	73	on	on	ADP
fsr-3321	195	74	the	the	DET
fsr-3321	195	75	date	date	NOUN
fsr-3321	195	76	of	of	ADP
fsr-3321	195	77	hire	hire	NOUN
fsr-3321	195	78	.	.	PUNCT
fsr-3321	196	1	t	t	PROPN
fsr-3321	196	2	-	-	PUNCT
fsr-3321	196	3	statistics	statistic	NOUN
fsr-3321	196	4	are	be	AUX
fsr-3321	196	5	reported	report	VERB
fsr-3321	196	6	in	in	ADP
fsr-3321	196	7	parentheses	parenthesis	NOUN
fsr-3321	196	8	.	.	PUNCT
fsr-3321	197	1	*	*	PUNCT
fsr-3321	198	1	*	*	PUNCT
fsr-3321	198	2	*	*	PUNCT
fsr-3321	198	3	,	,	PUNCT
fsr-3321	198	4	*	*	PUNCT
fsr-3321	198	5	*	*	PUNCT
fsr-3321	198	6	,	,	PUNCT
fsr-3321	198	7	*	*	PUNCT
fsr-3321	198	8	indicate	indicate	VERB
fsr-3321	198	9	statistical	statistical	ADJ
fsr-3321	198	10	significance	significance	NOUN
fsr-3321	198	11	at	at	ADP
fsr-3321	198	12	the	the	DET
fsr-3321	198	13	1	1	NUM
fsr-3321	198	14	%	%	NOUN
fsr-3321	198	15	,	,	PUNCT
fsr-3321	198	16	5	5	NUM
fsr-3321	198	17	%	%	NOUN
fsr-3321	198	18	,	,	PUNCT
fsr-3321	198	19	and	and	CCONJ
fsr-3321	198	20	10	10	NUM
fsr-3321	198	21	%	%	NOUN
fsr-3321	198	22	level	level	NOUN
fsr-3321	198	23	,	,	PUNCT
fsr-3321	198	24	respectively	respectively	ADV
fsr-3321	198	25	.	.	PUNCT
fsr-3321	199	1	249a	249a	ADJ
fsr-3321	199	2	.	.	PUNCT
fsr-3321	200	1	anthony	anthony	PROPN
fsr-3321	200	2	et	et	PROPN
fsr-3321	200	3	al	al	PROPN
fsr-3321	200	4	.	.	PUNCT
fsr-3321	200	5	/	/	SYM
fsr-3321	200	6	financial	financial	ADJ
fsr-3321	200	7	services	service	NOUN
fsr-3321	200	8	review	review	VERB
fsr-3321	200	9	26	26	NUM
fsr-3321	200	10	(	(	PUNCT
fsr-3321	200	11	2017	2017	NUM
fsr-3321	200	12	)	)	PUNCT
fsr-3321	200	13	241–254	241–254	NUM
fsr-3321	200	14	(	(	PUNCT
fsr-3321	200	15	free	free	ADJ
fsr-3321	200	16	employer	employer	NOUN
fsr-3321	200	17	money	money	NOUN
fsr-3321	200	18	)	)	PUNCT
fsr-3321	200	19	can	can	AUX
fsr-3321	200	20	be	be	AUX
fsr-3321	200	21	further	far	ADV
fsr-3321	200	22	tested	test	VERB
fsr-3321	200	23	by	by	ADP
fsr-3321	200	24	treating	treat	VERB
fsr-3321	200	25	the	the	DET
fsr-3321	200	26	unvested	unvested	ADJ
fsr-3321	200	27	portion	portion	NOUN
fsr-3321	200	28	of	of	ADP
fsr-3321	200	29	the	the	DET
fsr-3321	200	30	account	account	NOUN
fsr-3321	200	31	as	as	ADP
fsr-3321	200	32	money	money	NOUN
fsr-3321	200	33	belonging	belong	VERB
fsr-3321	200	34	to	to	ADP
fsr-3321	200	35	someone	someone	PRON
fsr-3321	200	36	else	else	ADV
fsr-3321	200	37	.	.	PUNCT
fsr-3321	201	1	however	however	ADV
fsr-3321	201	2	,	,	PUNCT
fsr-3321	201	3	we	we	PRON
fsr-3321	201	4	do	do	AUX
fsr-3321	201	5	not	not	PART
fsr-3321	201	6	find	find	VERB
fsr-3321	201	7	this	this	PRON
fsr-3321	201	8	to	to	PART
fsr-3321	201	9	be	be	AUX
fsr-3321	201	10	the	the	DET
fsr-3321	201	11	case	case	NOUN
fsr-3321	201	12	.	.	PUNCT
fsr-3321	202	1	the	the	DET
fsr-3321	202	2	difference	difference	NOUN
fsr-3321	202	3	in	in	ADP
fsr-3321	202	4	the	the	DET
fsr-3321	202	5	average	average	ADJ
fsr-3321	202	6	risk	risk	NOUN
fsr-3321	202	7	of	of	ADP
fsr-3321	202	8	the	the	DET
fsr-3321	202	9	account	account	NOUN
fsr-3321	202	10	preand	preand	NOUN
fsr-3321	202	11	post	post	ADJ
fsr-3321	202	12	-	-	ADJ
fsr-3321	202	13	vesting	vesting	ADJ
fsr-3321	202	14	does	do	AUX
fsr-3321	202	15	not	not	PART
fsr-3321	202	16	vary	vary	VERB
fsr-3321	202	17	significantly	significantly	ADV
fsr-3321	202	18	.	.	PUNCT
fsr-3321	203	1	the	the	DET
fsr-3321	203	2	second	second	ADJ
fsr-3321	203	3	objective	objective	NOUN
fsr-3321	203	4	is	be	AUX
fsr-3321	203	5	to	to	PART
fsr-3321	203	6	examine	examine	VERB
fsr-3321	203	7	investment	investment	NOUN
fsr-3321	203	8	choices	choice	NOUN
fsr-3321	203	9	and	and	CCONJ
fsr-3321	203	10	risk	risk	NOUN
fsr-3321	203	11	associated	associate	VERB
fsr-3321	203	12	with	with	ADP
fsr-3321	203	13	the	the	DET
fsr-3321	203	14	two	two	NUM
fsr-3321	203	15	vendors	vendor	NOUN
fsr-3321	203	16	.	.	PUNCT
fsr-3321	204	1	the	the	DET
fsr-3321	204	2	difference	difference	NOUN
fsr-3321	204	3	in	in	ADP
fsr-3321	204	4	investment	investment	NOUN
fsr-3321	204	5	choices	choice	NOUN
fsr-3321	204	6	between	between	ADP
fsr-3321	204	7	the	the	DET
fsr-3321	204	8	two	two	NUM
fsr-3321	204	9	providers	provider	NOUN
fsr-3321	204	10	is	be	AUX
fsr-3321	204	11	shown	show	VERB
fsr-3321	204	12	in	in	ADP
fsr-3321	204	13	table	table	NOUN
fsr-3321	204	14	4	4	NUM
fsr-3321	204	15	.	.	PUNCT
fsr-3321	205	1	the	the	DET
fsr-3321	205	2	coefficient	coefficient	NOUN
fsr-3321	205	3	for	for	ADP
fsr-3321	205	4	the	the	DET
fsr-3321	205	5	fidelity	fidelity	NOUN
fsr-3321	205	6	dummy	dummy	NOUN
fsr-3321	205	7	is	be	AUX
fsr-3321	205	8	positively	positively	ADV
fsr-3321	205	9	and	and	CCONJ
fsr-3321	205	10	significantly	significantly	ADV
fsr-3321	205	11	related	relate	VERB
fsr-3321	205	12	to	to	ADP
fsr-3321	205	13	the	the	DET
fsr-3321	205	14	risk	risk	NOUN
fsr-3321	205	15	tier	tier	NOUN
fsr-3321	205	16	.	.	PUNCT
fsr-3321	206	1	it	it	PRON
fsr-3321	206	2	appears	appear	VERB
fsr-3321	206	3	that	that	SCONJ
fsr-3321	206	4	participant	participant	ADJ
fsr-3321	206	5	investment	investment	NOUN
fsr-3321	206	6	choices	choice	NOUN
fsr-3321	206	7	in	in	ADP
fsr-3321	206	8	fidelity	fidelity	NOUN
fsr-3321	206	9	are	be	AUX
fsr-3321	206	10	riskier	risky	ADJ
fsr-3321	206	11	than	than	ADP
fsr-3321	206	12	the	the	DET
fsr-3321	206	13	choices	choice	NOUN
fsr-3321	206	14	in	in	ADP
fsr-3321	206	15	tiaa	tiaa	NOUN
fsr-3321	206	16	-	-	PUNCT
fsr-3321	206	17	cref	cref	NOUN
fsr-3321	206	18	.	.	PUNCT
fsr-3321	207	1	when	when	SCONJ
fsr-3321	207	2	looking	look	VERB
fsr-3321	207	3	at	at	ADP
fsr-3321	207	4	the	the	DET
fsr-3321	207	5	data	datum	NOUN
fsr-3321	207	6	by	by	ADP
fsr-3321	207	7	provider	provider	NOUN
fsr-3321	207	8	,	,	PUNCT
fsr-3321	207	9	we	we	PRON
fsr-3321	207	10	find	find	VERB
fsr-3321	207	11	that	that	SCONJ
fsr-3321	207	12	the	the	DET
fsr-3321	207	13	riskiness	riskiness	NOUN
fsr-3321	207	14	of	of	ADP
fsr-3321	207	15	investment	investment	NOUN
fsr-3321	207	16	choices	choice	NOUN
fsr-3321	207	17	is	be	AUX
fsr-3321	207	18	consistently	consistently	ADV
fsr-3321	207	19	lower	low	ADJ
fsr-3321	207	20	for	for	ADP
fsr-3321	207	21	the	the	DET
fsr-3321	207	22	403(b	403(b	PROPN
fsr-3321	207	23	)	)	PUNCT
fsr-3321	207	24	self	self	NOUN
fsr-3321	207	25	-	-	PUNCT
fsr-3321	207	26	directed	direct	VERB
fsr-3321	207	27	account	account	NOUN
fsr-3321	207	28	as	as	SCONJ
fsr-3321	207	29	compared	compare	VERB
fsr-3321	207	30	with	with	ADP
fsr-3321	207	31	the	the	DET
fsr-3321	207	32	employer	employer	NOUN
fsr-3321	207	33	funded	fund	VERB
fsr-3321	207	34	401(a	401(a	PROPN
fsr-3321	207	35	)	)	PUNCT
fsr-3321	207	36	account	account	NOUN
fsr-3321	207	37	.	.	PUNCT
fsr-3321	208	1	one	one	NUM
fsr-3321	208	2	of	of	ADP
fsr-3321	208	3	the	the	DET
fsr-3321	208	4	main	main	ADJ
fsr-3321	208	5	limitations	limitation	NOUN
fsr-3321	208	6	of	of	ADP
fsr-3321	208	7	our	our	PRON
fsr-3321	208	8	study	study	NOUN
fsr-3321	208	9	is	be	AUX
fsr-3321	208	10	the	the	DET
fsr-3321	208	11	lack	lack	NOUN
fsr-3321	208	12	of	of	ADP
fsr-3321	208	13	additional	additional	ADJ
fsr-3321	208	14	control	control	NOUN
fsr-3321	208	15	variables	variable	NOUN
fsr-3321	208	16	in	in	ADP
fsr-3321	208	17	the	the	DET
fsr-3321	208	18	multivariate	multivariate	NOUN
fsr-3321	208	19	analysis	analysis	NOUN
fsr-3321	208	20	.	.	PUNCT
fsr-3321	209	1	because	because	SCONJ
fsr-3321	209	2	of	of	ADP
fsr-3321	209	3	limited	limited	ADJ
fsr-3321	209	4	data	datum	NOUN
fsr-3321	209	5	availability	availability	NOUN
fsr-3321	209	6	,	,	PUNCT
fsr-3321	209	7	we	we	PRON
fsr-3321	209	8	were	be	AUX
fsr-3321	209	9	not	not	PART
fsr-3321	209	10	able	able	ADJ
fsr-3321	209	11	to	to	PART
fsr-3321	209	12	control	control	VERB
fsr-3321	209	13	for	for	ADP
fsr-3321	209	14	additional	additional	ADJ
fsr-3321	209	15	demographic	demographic	ADJ
fsr-3321	209	16	characteristics	characteristic	NOUN
fsr-3321	209	17	.	.	PUNCT
fsr-3321	210	1	to	to	PART
fsr-3321	210	2	help	help	VERB
fsr-3321	210	3	to	to	PART
fsr-3321	210	4	alleviate	alleviate	VERB
fsr-3321	210	5	this	this	DET
fsr-3321	210	6	concern	concern	NOUN
fsr-3321	210	7	and	and	CCONJ
fsr-3321	210	8	to	to	PART
fsr-3321	210	9	get	get	VERB
fsr-3321	210	10	a	a	DET
fsr-3321	210	11	better	well	ADJ
fsr-3321	210	12	understanding	understanding	NOUN
fsr-3321	210	13	of	of	ADP
fsr-3321	210	14	the	the	DET
fsr-3321	210	15	differences	difference	NOUN
fsr-3321	210	16	in	in	ADP
fsr-3321	210	17	choices	choice	NOUN
fsr-3321	210	18	between	between	ADP
fsr-3321	210	19	the	the	DET
fsr-3321	210	20	two	two	NUM
fsr-3321	210	21	providers	provider	NOUN
fsr-3321	210	22	,	,	PUNCT
fsr-3321	210	23	we	we	PRON
fsr-3321	210	24	expand	expand	VERB
fsr-3321	210	25	our	our	PRON
fsr-3321	210	26	analysis	analysis	NOUN
fsr-3321	210	27	and	and	CCONJ
fsr-3321	210	28	look	look	VERB
fsr-3321	210	29	at	at	ADP
fsr-3321	210	30	the	the	DET
fsr-3321	210	31	characteristics	characteristic	NOUN
fsr-3321	210	32	of	of	ADP
fsr-3321	210	33	the	the	DET
fsr-3321	210	34	two	two	NUM
fsr-3321	210	35	vendor	vendor	NOUN
fsr-3321	210	36	investment	investment	NOUN
fsr-3321	210	37	choices	choice	NOUN
fsr-3321	210	38	.	.	PUNCT
fsr-3321	211	1	table	table	NOUN
fsr-3321	211	2	5	5	NUM
fsr-3321	211	3	presents	present	VERB
fsr-3321	211	4	the	the	DET
fsr-3321	211	5	summary	summary	NOUN
fsr-3321	211	6	results	result	VERB
fsr-3321	211	7	at	at	ADP
fsr-3321	211	8	the	the	DET
fsr-3321	211	9	vendor	vendor	NOUN
fsr-3321	211	10	level	level	NOUN
fsr-3321	211	11	.	.	PUNCT
fsr-3321	212	1	we	we	PRON
fsr-3321	212	2	first	first	ADV
fsr-3321	212	3	present	present	VERB
fsr-3321	212	4	a	a	DET
fsr-3321	212	5	general	general	ADJ
fsr-3321	212	6	overview	overview	NOUN
fsr-3321	212	7	of	of	ADP
fsr-3321	212	8	investment	investment	NOUN
fsr-3321	212	9	choices	choice	NOUN
fsr-3321	212	10	in	in	ADP
fsr-3321	212	11	the	the	DET
fsr-3321	212	12	fidelity	fidelity	PROPN
fsr-3321	212	13	account	account	NOUN
fsr-3321	212	14	in	in	ADP
fsr-3321	212	15	panel	panel	NOUN
fsr-3321	212	16	a	a	PRON
fsr-3321	212	17	,	,	PUNCT
fsr-3321	212	18	followed	follow	VERB
fsr-3321	212	19	by	by	ADP
fsr-3321	212	20	the	the	DET
fsr-3321	212	21	choices	choice	NOUN
fsr-3321	212	22	in	in	ADP
fsr-3321	212	23	the	the	DET
fsr-3321	212	24	tiaa	tiaa	NOUN
fsr-3321	212	25	-	-	PUNCT
fsr-3321	212	26	cref	cref	NOUN
fsr-3321	212	27	account	account	NOUN
fsr-3321	212	28	in	in	ADP
fsr-3321	212	29	panel	panel	PROPN
fsr-3321	212	30	b.	b.	PROPN
fsr-3321	212	31	there	there	PRON
fsr-3321	212	32	were	be	VERB
fsr-3321	212	33	11.97	11.97	NUM
fsr-3321	212	34	%	%	NOUN
fsr-3321	212	35	of	of	ADP
fsr-3321	212	36	fidelity	fidelity	NOUN
fsr-3321	212	37	participants	participant	NOUN
fsr-3321	212	38	who	who	PRON
fsr-3321	212	39	are	be	AUX
fsr-3321	212	40	enrolled	enrol	VERB
fsr-3321	212	41	in	in	ADP
fsr-3321	212	42	the	the	DET
fsr-3321	212	43	target	target	NOUN
fsr-3321	212	44	date	date	NOUN
fsr-3321	212	45	fund	fund	NOUN
fsr-3321	212	46	,	,	PUNCT
fsr-3321	212	47	a	a	DET
fsr-3321	212	48	balanced	balanced	ADJ
fsr-3321	212	49	fund	fund	NOUN
fsr-3321	212	50	.	.	PUNCT
fsr-3321	213	1	another	another	DET
fsr-3321	213	2	584	584	NUM
fsr-3321	213	3	people	people	NOUN
fsr-3321	213	4	,	,	PUNCT
fsr-3321	213	5	or	or	CCONJ
fsr-3321	213	6	18.10	18.10	NUM
fsr-3321	213	7	%	%	NOUN
fsr-3321	213	8	,	,	PUNCT
fsr-3321	213	9	have	have	VERB
fsr-3321	213	10	some	some	DET
fsr-3321	213	11	participation	participation	NOUN
fsr-3321	213	12	in	in	ADP
fsr-3321	213	13	the	the	DET
fsr-3321	213	14	target	target	NOUN
fsr-3321	213	15	date	date	NOUN
fsr-3321	213	16	fund	fund	NOUN
fsr-3321	213	17	.	.	PUNCT
fsr-3321	214	1	a	a	DET
fsr-3321	214	2	very	very	ADV
fsr-3321	214	3	small	small	ADJ
fsr-3321	214	4	percentage	percentage	NOUN
fsr-3321	214	5	,	,	PUNCT
fsr-3321	214	6	at	at	ADP
fsr-3321	214	7	0.52	0.52	NUM
fsr-3321	214	8	%	%	NOUN
fsr-3321	214	9	,	,	PUNCT
fsr-3321	214	10	transferred	transfer	VERB
fsr-3321	214	11	their	their	PRON
fsr-3321	214	12	funds	fund	NOUN
fsr-3321	214	13	to	to	ADP
fsr-3321	214	14	fidelity	fidelity	PROPN
fsr-3321	214	15	’s	’s	PART
fsr-3321	214	16	self	self	NOUN
fsr-3321	214	17	-	-	PUNCT
fsr-3321	214	18	service	service	NOUN
fsr-3321	214	19	brokerage	brokerage	NOUN
fsr-3321	214	20	account	account	NOUN
fsr-3321	214	21	(	(	PUNCT
fsr-3321	214	22	that	that	PRON
fsr-3321	214	23	allows	allow	VERB
fsr-3321	214	24	enrollment	enrollment	NOUN
fsr-3321	214	25	in	in	ADP
fsr-3321	214	26	a	a	DET
fsr-3321	214	27	large	large	ADJ
fsr-3321	214	28	number	number	NOUN
fsr-3321	214	29	of	of	ADP
fsr-3321	214	30	mutual	mutual	ADJ
fsr-3321	214	31	funds	fund	NOUN
fsr-3321	214	32	)	)	PUNCT
fsr-3321	214	33	.	.	PUNCT
fsr-3321	215	1	there	there	PRON
fsr-3321	215	2	are	be	VERB
fsr-3321	215	3	1.60	1.60	NUM
fsr-3321	215	4	%	%	NOUN
fsr-3321	215	5	of	of	ADP
fsr-3321	215	6	participants	participant	NOUN
fsr-3321	215	7	who	who	PRON
fsr-3321	215	8	have	have	VERB
fsr-3321	215	9	their	their	PRON
fsr-3321	215	10	entire	entire	ADJ
fsr-3321	215	11	investment	investment	NOUN
fsr-3321	215	12	in	in	ADP
fsr-3321	215	13	a	a	DET
fsr-3321	215	14	money	money	NOUN
fsr-3321	215	15	market	market	NOUN
fsr-3321	215	16	account	account	NOUN
fsr-3321	215	17	,	,	PUNCT
fsr-3321	215	18	an	an	DET
fsr-3321	215	19	active	active	ADJ
fsr-3321	215	20	choice	choice	NOUN
fsr-3321	215	21	made	make	VERB
fsr-3321	215	22	by	by	ADP
fsr-3321	215	23	the	the	DET
fsr-3321	215	24	participant	participant	NOUN
fsr-3321	215	25	.	.	PUNCT
fsr-3321	216	1	the	the	DET
fsr-3321	216	2	average	average	ADJ
fsr-3321	216	3	age	age	NOUN
fsr-3321	216	4	of	of	ADP
fsr-3321	216	5	the	the	DET
fsr-3321	216	6	people	people	NOUN
fsr-3321	216	7	in	in	ADP
fsr-3321	216	8	this	this	DET
fsr-3321	216	9	category	category	NOUN
fsr-3321	216	10	is	be	AUX
fsr-3321	216	11	54.56	54.56	NUM
fsr-3321	216	12	.	.	PUNCT
fsr-3321	217	1	finally	finally	ADV
fsr-3321	217	2	,	,	PUNCT
fsr-3321	217	3	5.52	5.52	NUM
fsr-3321	217	4	%	%	NOUN
fsr-3321	217	5	invested	invest	VERB
fsr-3321	217	6	their	their	PRON
fsr-3321	217	7	funds	fund	NOUN
fsr-3321	217	8	to	to	ADP
fsr-3321	217	9	a	a	DET
fsr-3321	217	10	certain	certain	ADJ
fsr-3321	217	11	degree	degree	NOUN
fsr-3321	217	12	in	in	ADP
fsr-3321	217	13	the	the	DET
fsr-3321	217	14	s&p	s&p	PROPN
fsr-3321	217	15	500	500	NUM
fsr-3321	217	16	etf	etf	NOUN
fsr-3321	217	17	,	,	PUNCT
fsr-3321	217	18	the	the	DET
fsr-3321	217	19	cheapest	cheap	ADJ
fsr-3321	217	20	fund	fund	NOUN
fsr-3321	217	21	on	on	ADP
fsr-3321	217	22	the	the	DET
fsr-3321	217	23	menu	menu	NOUN
fsr-3321	217	24	at	at	ADP
fsr-3321	217	25	a	a	DET
fsr-3321	217	26	gross	gross	ADJ
fsr-3321	217	27	expense	expense	NOUN
fsr-3321	217	28	of	of	ADP
fsr-3321	217	29	0.05	0.05	NUM
fsr-3321	217	30	%	%	NOUN
fsr-3321	217	31	,	,	PUNCT
fsr-3321	217	32	while	while	SCONJ
fsr-3321	217	33	7.37	7.37	NUM
fsr-3321	217	34	%	%	NOUN
fsr-3321	217	35	invested	invest	VERB
fsr-3321	217	36	their	their	PRON
fsr-3321	217	37	money	money	NOUN
fsr-3321	217	38	in	in	ADP
fsr-3321	217	39	one	one	NUM
fsr-3321	217	40	of	of	ADP
fsr-3321	217	41	the	the	DET
fsr-3321	217	42	five	five	NUM
fsr-3321	217	43	funds	fund	NOUN
fsr-3321	217	44	with	with	ADP
fsr-3321	217	45	a	a	DET
fsr-3321	217	46	gross	gross	ADJ
fsr-3321	217	47	expense	expense	NOUN
fsr-3321	217	48	ratio	ratio	NOUN
fsr-3321	217	49	above	above	ADP
fsr-3321	217	50	1.00	1.00	NUM
fsr-3321	217	51	%	%	NOUN
fsr-3321	217	52	.	.	PUNCT
fsr-3321	218	1	it	it	PRON
fsr-3321	218	2	is	be	AUX
fsr-3321	218	3	important	important	ADJ
fsr-3321	218	4	to	to	PART
fsr-3321	218	5	add	add	VERB
fsr-3321	218	6	that	that	SCONJ
fsr-3321	218	7	the	the	DET
fsr-3321	218	8	fidelity	fidelity	PROPN
fsr-3321	218	9	table	table	NOUN
fsr-3321	218	10	4	4	NUM
fsr-3321	218	11	the	the	DET
fsr-3321	218	12	relationship	relationship	NOUN
fsr-3321	218	13	between	between	ADP
fsr-3321	218	14	provider	provider	NOUN
fsr-3321	218	15	and	and	CCONJ
fsr-3321	218	16	risk	risk	NOUN
fsr-3321	218	17	model	model	NOUN
fsr-3321	218	18	1	1	NUM
fsr-3321	218	19	model	model	NOUN
fsr-3321	218	20	2	2	NUM
fsr-3321	218	21	model	model	NOUN
fsr-3321	218	22	3	3	NUM
fsr-3321	218	23	variables	variable	NOUN
fsr-3321	218	24	combined	combine	VERB
fsr-3321	218	25	(	(	PUNCT
fsr-3321	218	26	risk	risk	NOUN
fsr-3321	218	27	tier	tier	NOUN
fsr-3321	218	28	)	)	PUNCT
fsr-3321	218	29	fidelity	fidelity	NOUN
fsr-3321	218	30	(	(	PUNCT
fsr-3321	218	31	risk	risk	NOUN
fsr-3321	218	32	tier	tier	NOUN
fsr-3321	218	33	)	)	PUNCT
fsr-3321	218	34	tiaa	tiaa	NOUN
fsr-3321	218	35	-	-	PUNCT
fsr-3321	218	36	cref	cref	NOUN
fsr-3321	218	37	(	(	PUNCT
fsr-3321	218	38	risk	risk	NOUN
fsr-3321	218	39	tier	tier	NOUN
fsr-3321	218	40	)	)	PUNCT
fsr-3321	218	41	fidelity	fidelity	NOUN
fsr-3321	218	42	dummy	dummy	NOUN
fsr-3321	218	43	0.236	0.236	NUM
fsr-3321	218	44	*	*	PUNCT
fsr-3321	218	45	*	*	PUNCT
fsr-3321	218	46	*	*	PUNCT
fsr-3321	218	47	(	(	PUNCT
fsr-3321	218	48	4.77	4.77	NUM
fsr-3321	218	49	)	)	PUNCT
fsr-3321	218	50	tdi	tdi	PROPN
fsr-3321	218	51	403(b	403(b	PROPN
fsr-3321	218	52	)	)	PUNCT
fsr-3321	218	53	dummy	dummy	PROPN
fsr-3321	218	54	�	�	PROPN
fsr-3321	218	55	0.233	0.233	NUM
fsr-3321	218	56	*	*	PUNCT
fsr-3321	218	57	*	*	PUNCT
fsr-3321	218	58	*	*	PUNCT
fsr-3321	218	59	(	(	PUNCT
fsr-3321	218	60	�	�	NOUN
fsr-3321	218	61	4.64	4.64	NUM
fsr-3321	218	62	)	)	PUNCT
fsr-3321	218	63	�	�	PROPN
fsr-3321	218	64	0.304	0.304	NUM
fsr-3321	218	65	*	*	NOUN
fsr-3321	218	66	*	*	PUNCT
fsr-3321	218	67	*	*	PUNCT
fsr-3321	218	68	(	(	PUNCT
fsr-3321	218	69	�	�	NOUN
fsr-3321	218	70	4.16	4.16	NUM
fsr-3321	218	71	)	)	PUNCT
fsr-3321	218	72	�	�	PROPN
fsr-3321	218	73	0.161	0.161	NUM
fsr-3321	218	74	*	*	SYM
fsr-3321	218	75	*	*	PUNCT
fsr-3321	218	76	(	(	PUNCT
fsr-3321	218	77	�	�	NOUN
fsr-3321	218	78	2.33	2.33	NUM
fsr-3321	218	79	)	)	PUNCT
fsr-3321	218	80	age	age	NOUN
fsr-3321	218	81	�	�	PROPN
fsr-3321	218	82	0.00504	0.00504	NUM
fsr-3321	218	83	*	*	SYM
fsr-3321	218	84	(	(	PUNCT
fsr-3321	218	85	�	�	PROPN
fsr-3321	218	86	1.94	1.94	NUM
fsr-3321	218	87	)	)	PUNCT
fsr-3321	218	88	�	�	PROPN
fsr-3321	218	89	0.00642	0.00642	NUM
fsr-3321	218	90	(	(	PUNCT
fsr-3321	218	91	�	�	PROPN
fsr-3321	218	92	1.64	1.64	NUM
fsr-3321	218	93	)	)	PUNCT
fsr-3321	218	94	�	�	PROPN
fsr-3321	218	95	0.00347	0.00347	NUM
fsr-3321	218	96	(	(	PUNCT
fsr-3321	218	97	�	�	NOUN
fsr-3321	218	98	1.00	1.00	NUM
fsr-3321	218	99	)	)	PUNCT
fsr-3321	218	100	tier	tier	NOUN
fsr-3321	218	101	�	�	PROPN
fsr-3321	218	102	0.122	0.122	NUM
fsr-3321	218	103	*	*	SYM
fsr-3321	218	104	*	*	PUNCT
fsr-3321	218	105	*	*	PUNCT
fsr-3321	218	106	(	(	PUNCT
fsr-3321	218	107	�	�	NOUN
fsr-3321	218	108	3.60	3.60	NUM
fsr-3321	218	109	)	)	PUNCT
fsr-3321	218	110	�	�	NOUN
fsr-3321	218	111	0.224	0.224	NUM
fsr-3321	218	112	*	*	PUNCT
fsr-3321	218	113	*	*	PUNCT
fsr-3321	218	114	*	*	PUNCT
fsr-3321	218	115	(	(	PUNCT
fsr-3321	218	116	�	�	NOUN
fsr-3321	218	117	4.42	4.42	NUM
fsr-3321	218	118	)	)	PUNCT
fsr-3321	218	119	�	�	PROPN
fsr-3321	218	120	0.0411	0.0411	NUM
fsr-3321	218	121	(	(	PUNCT
fsr-3321	218	122	�	�	NOUN
fsr-3321	218	123	0.90	0.90	NUM
fsr-3321	218	124	)	)	PUNCT
fsr-3321	218	125	constant	constant	ADJ
fsr-3321	218	126	3.874	3.874	NUM
fsr-3321	218	127	*	*	PUNCT
fsr-3321	218	128	*	*	PUNCT
fsr-3321	218	129	*	*	PUNCT
fsr-3321	218	130	(	(	PUNCT
fsr-3321	218	131	20.05	20.05	NUM
fsr-3321	218	132	)	)	PUNCT
fsr-3321	218	133	4.239	4.239	NUM
fsr-3321	218	134	*	*	PUNCT
fsr-3321	218	135	*	*	PUNCT
fsr-3321	218	136	*	*	PUNCT
fsr-3321	218	137	(	(	PUNCT
fsr-3321	218	138	14.99	14.99	NUM
fsr-3321	218	139	)	)	PUNCT
fsr-3321	218	140	3.804	3.804	NUM
fsr-3321	218	141	*	*	PUNCT
fsr-3321	218	142	*	*	PUNCT
fsr-3321	218	143	*	*	PUNCT
fsr-3321	218	144	(	(	PUNCT
fsr-3321	218	145	14.87	14.87	NUM
fsr-3321	218	146	)	)	PUNCT
fsr-3321	218	147	observations	observation	NOUN
fsr-3321	218	148	2,435	2,435	NUM
fsr-3321	218	149	1,121	1,121	NUM
fsr-3321	218	150	1,314	1,314	NUM
fsr-3321	218	151	r2	r2	NOUN
fsr-3321	218	152	0.023	0.023	NUM
fsr-3321	218	153	0.031	0.031	NUM
fsr-3321	218	154	0.006	0.006	NUM
fsr-3321	218	155	the	the	DET
fsr-3321	218	156	dependent	dependent	ADJ
fsr-3321	218	157	variable	variable	NOUN
fsr-3321	218	158	is	be	AUX
fsr-3321	218	159	the	the	DET
fsr-3321	218	160	weighted	weight	VERB
fsr-3321	218	161	-	-	PUNCT
fsr-3321	218	162	average	average	NOUN
fsr-3321	218	163	portfolio	portfolio	NOUN
fsr-3321	218	164	risk	risk	NOUN
fsr-3321	218	165	tier	tier	NOUN
fsr-3321	218	166	in	in	ADP
fsr-3321	218	167	models	model	NOUN
fsr-3321	219	1	4–6	4–6	PROPN
fsr-3321	219	2	.	.	PUNCT
fsr-3321	220	1	the	the	DET
fsr-3321	220	2	independent	independent	ADJ
fsr-3321	220	3	variables	variable	NOUN
fsr-3321	220	4	are	be	AUX
fsr-3321	220	5	a	a	DET
fsr-3321	220	6	fidelity	fidelity	NOUN
fsr-3321	220	7	dummy	dummy	NOUN
fsr-3321	220	8	equal	equal	ADJ
fsr-3321	220	9	to	to	ADP
fsr-3321	220	10	1	1	NUM
fsr-3321	220	11	if	if	SCONJ
fsr-3321	220	12	the	the	DET
fsr-3321	220	13	participant	participant	NOUN
fsr-3321	220	14	is	be	AUX
fsr-3321	220	15	enrolled	enrol	VERB
fsr-3321	220	16	in	in	ADP
fsr-3321	220	17	a	a	DET
fsr-3321	220	18	fidelity	fidelity	NOUN
fsr-3321	220	19	fund	fund	NOUN
fsr-3321	220	20	and	and	CCONJ
fsr-3321	220	21	0	0	NUM
fsr-3321	220	22	otherwise	otherwise	ADV
fsr-3321	220	23	,	,	PUNCT
fsr-3321	220	24	a	a	DET
fsr-3321	220	25	tdi	tdi	PROPN
fsr-3321	220	26	403(b	403(b	PROPN
fsr-3321	220	27	)	)	PUNCT
fsr-3321	220	28	dummy	dummy	NOUN
fsr-3321	220	29	equal	equal	ADJ
fsr-3321	220	30	to	to	ADP
fsr-3321	220	31	1	1	NUM
fsr-3321	220	32	if	if	SCONJ
fsr-3321	220	33	the	the	DET
fsr-3321	220	34	participant	participant	NOUN
fsr-3321	220	35	is	be	AUX
fsr-3321	220	36	enrolled	enrol	VERB
fsr-3321	220	37	in	in	ADP
fsr-3321	220	38	the	the	DET
fsr-3321	220	39	403(b	403(b	PROPN
fsr-3321	220	40	)	)	PUNCT
fsr-3321	220	41	plan	plan	NOUN
fsr-3321	220	42	and	and	CCONJ
fsr-3321	220	43	0	0	NUM
fsr-3321	220	44	otherwise	otherwise	ADV
fsr-3321	220	45	,	,	PUNCT
fsr-3321	220	46	age	age	NOUN
fsr-3321	220	47	equal	equal	ADJ
fsr-3321	220	48	to	to	ADP
fsr-3321	220	49	the	the	DET
fsr-3321	220	50	current	current	ADJ
fsr-3321	220	51	age	age	NOUN
fsr-3321	220	52	of	of	ADP
fsr-3321	220	53	the	the	DET
fsr-3321	220	54	participant	participant	NOUN
fsr-3321	220	55	as	as	SCONJ
fsr-3321	220	56	provided	provide	VERB
fsr-3321	220	57	by	by	ADP
fsr-3321	220	58	the	the	DET
fsr-3321	220	59	plan	plan	NOUN
fsr-3321	220	60	sponsor	sponsor	NOUN
fsr-3321	220	61	,	,	PUNCT
fsr-3321	220	62	and	and	CCONJ
fsr-3321	220	63	tier	tier	NOUN
fsr-3321	220	64	equal	equal	ADJ
fsr-3321	220	65	to	to	ADP
fsr-3321	220	66	the	the	DET
fsr-3321	220	67	current	current	ADJ
fsr-3321	220	68	tier	tier	NOUN
fsr-3321	220	69	of	of	ADP
fsr-3321	220	70	the	the	DET
fsr-3321	220	71	employees	employee	NOUN
fsr-3321	220	72	based	base	VERB
fsr-3321	220	73	on	on	ADP
fsr-3321	220	74	the	the	DET
fsr-3321	220	75	date	date	NOUN
fsr-3321	220	76	of	of	ADP
fsr-3321	220	77	hire	hire	NOUN
fsr-3321	220	78	.	.	PUNCT
fsr-3321	221	1	t	t	PROPN
fsr-3321	221	2	-	-	PUNCT
fsr-3321	221	3	statistics	statistic	NOUN
fsr-3321	221	4	are	be	AUX
fsr-3321	221	5	reported	report	VERB
fsr-3321	221	6	in	in	ADP
fsr-3321	221	7	parentheses	parenthesis	NOUN
fsr-3321	221	8	.	.	PUNCT
fsr-3321	222	1	*	*	PUNCT
fsr-3321	223	1	*	*	PUNCT
fsr-3321	223	2	*	*	PUNCT
fsr-3321	223	3	,	,	PUNCT
fsr-3321	223	4	*	*	PUNCT
fsr-3321	223	5	*	*	PUNCT
fsr-3321	223	6	,	,	PUNCT
fsr-3321	223	7	*	*	PUNCT
fsr-3321	223	8	indicate	indicate	VERB
fsr-3321	223	9	statistical	statistical	ADJ
fsr-3321	223	10	significance	significance	NOUN
fsr-3321	223	11	at	at	ADP
fsr-3321	223	12	the	the	DET
fsr-3321	223	13	1	1	NUM
fsr-3321	223	14	%	%	NOUN
fsr-3321	223	15	,	,	PUNCT
fsr-3321	223	16	5	5	NUM
fsr-3321	223	17	%	%	NOUN
fsr-3321	223	18	,	,	PUNCT
fsr-3321	223	19	and	and	CCONJ
fsr-3321	223	20	10	10	NUM
fsr-3321	223	21	%	%	NOUN
fsr-3321	223	22	level	level	NOUN
fsr-3321	223	23	,	,	PUNCT
fsr-3321	223	24	respectively	respectively	ADV
fsr-3321	223	25	.	.	PUNCT
fsr-3321	224	1	250	250	NUM
fsr-3321	224	2	a.	a.	NOUN
fsr-3321	224	3	anthony	anthony	PROPN
fsr-3321	224	4	et	et	PROPN
fsr-3321	224	5	al	al	PROPN
fsr-3321	224	6	.	.	PUNCT
fsr-3321	224	7	/	/	SYM
fsr-3321	224	8	financial	financial	ADJ
fsr-3321	224	9	services	service	NOUN
fsr-3321	224	10	review	review	VERB
fsr-3321	224	11	26	26	NUM
fsr-3321	224	12	(	(	PUNCT
fsr-3321	224	13	2017	2017	NUM
fsr-3321	224	14	)	)	PUNCT
fsr-3321	224	15	241–254	241–254	NUM
fsr-3321	224	16	choices	choice	NOUN
fsr-3321	224	17	include	include	VERB
fsr-3321	224	18	comparable	comparable	ADJ
fsr-3321	224	19	vanguard	vanguard	NOUN
fsr-3321	224	20	midcap	midcap	NOUN
fsr-3321	224	21	and	and	CCONJ
fsr-3321	224	22	small	small	ADJ
fsr-3321	224	23	-	-	PUNCT
fsr-3321	224	24	cap	cap	NOUN
fsr-3321	224	25	funds	fund	NOUN
fsr-3321	224	26	,	,	PUNCT
fsr-3321	224	27	both	both	CCONJ
fsr-3321	224	28	available	available	ADJ
fsr-3321	224	29	for	for	ADP
fsr-3321	224	30	a	a	DET
fsr-3321	224	31	gross	gross	ADJ
fsr-3321	224	32	expense	expense	NOUN
fsr-3321	224	33	of	of	ADP
fsr-3321	224	34	0.08	0.08	NUM
fsr-3321	224	35	%	%	NOUN
fsr-3321	224	36	.	.	PUNCT
fsr-3321	225	1	unlike	unlike	ADP
fsr-3321	225	2	fidelity	fidelity	NOUN
fsr-3321	225	3	,	,	PUNCT
fsr-3321	225	4	the	the	DET
fsr-3321	225	5	number	number	NOUN
fsr-3321	225	6	of	of	ADP
fsr-3321	225	7	participants	participant	NOUN
fsr-3321	225	8	enrolled	enrol	VERB
fsr-3321	225	9	in	in	ADP
fsr-3321	225	10	tiaa	tiaa	ADJ
fsr-3321	225	11	-	-	PUNCT
fsr-3321	225	12	cref	cref	NOUN
fsr-3321	225	13	’s	’s	PART
fsr-3321	225	14	target	target	NOUN
fsr-3321	225	15	date	date	NOUN
fsr-3321	225	16	fund	fund	NOUN
fsr-3321	225	17	(	(	PUNCT
fsr-3321	225	18	lifecycle	lifecycle	NOUN
fsr-3321	225	19	fund	fund	NOUN
fsr-3321	225	20	)	)	PUNCT
fsr-3321	225	21	is	be	AUX
fsr-3321	225	22	much	much	ADV
fsr-3321	225	23	lower	low	ADJ
fsr-3321	225	24	.	.	PUNCT
fsr-3321	226	1	only	only	ADV
fsr-3321	226	2	1.20	1.20	NUM
fsr-3321	226	3	%	%	NOUN
fsr-3321	226	4	enrolled	enrol	VERB
fsr-3321	226	5	100	100	NUM
fsr-3321	226	6	%	%	NOUN
fsr-3321	226	7	into	into	ADP
fsr-3321	226	8	this	this	DET
fsr-3321	226	9	option	option	NOUN
fsr-3321	226	10	and	and	CCONJ
fsr-3321	226	11	a	a	DET
fsr-3321	226	12	total	total	NOUN
fsr-3321	226	13	of	of	ADP
fsr-3321	226	14	2.73	2.73	NUM
fsr-3321	226	15	%	%	NOUN
fsr-3321	226	16	have	have	VERB
fsr-3321	226	17	the	the	DET
fsr-3321	226	18	option	option	NOUN
fsr-3321	226	19	as	as	ADP
fsr-3321	226	20	part	part	NOUN
fsr-3321	226	21	of	of	ADP
fsr-3321	226	22	their	their	PRON
fsr-3321	226	23	portfolio	portfolio	NOUN
fsr-3321	226	24	.	.	PUNCT
fsr-3321	227	1	the	the	DET
fsr-3321	227	2	difference	difference	NOUN
fsr-3321	227	3	is	be	AUX
fsr-3321	227	4	not	not	PART
fsr-3321	227	5	surprising	surprising	ADJ
fsr-3321	227	6	given	give	VERB
fsr-3321	227	7	that	that	SCONJ
fsr-3321	227	8	fidelity	fidelity	PROPN
fsr-3321	227	9	’s	’s	PART
fsr-3321	227	10	default	default	NOUN
fsr-3321	227	11	investment	investment	NOUN
fsr-3321	227	12	option	option	NOUN
fsr-3321	227	13	is	be	AUX
fsr-3321	227	14	the	the	DET
fsr-3321	227	15	target	target	NOUN
fsr-3321	227	16	date	date	NOUN
fsr-3321	227	17	fund	fund	NOUN
fsr-3321	227	18	,	,	PUNCT
fsr-3321	227	19	while	while	SCONJ
fsr-3321	227	20	the	the	DET
fsr-3321	227	21	tiaa	tiaa	ADJ
fsr-3321	227	22	-	-	PUNCT
fsr-3321	227	23	cref	cref	NOUN
fsr-3321	227	24	default	default	NOUN
fsr-3321	227	25	investment	investment	NOUN
fsr-3321	227	26	option	option	NOUN
fsr-3321	227	27	is	be	AUX
fsr-3321	227	28	not	not	PART
fsr-3321	227	29	.	.	PUNCT
fsr-3321	228	1	participation	participation	NOUN
fsr-3321	228	2	in	in	ADP
fsr-3321	228	3	the	the	DET
fsr-3321	228	4	traditional	traditional	ADJ
fsr-3321	228	5	annuity	annuity	NOUN
fsr-3321	228	6	option	option	NOUN
fsr-3321	228	7	is	be	AUX
fsr-3321	228	8	only	only	ADV
fsr-3321	228	9	0.67	0.67	NUM
fsr-3321	228	10	%	%	NOUN
fsr-3321	228	11	for	for	ADP
fsr-3321	228	12	the	the	DET
fsr-3321	228	13	full	full	ADJ
fsr-3321	228	14	enrollment	enrollment	NOUN
fsr-3321	228	15	and	and	CCONJ
fsr-3321	228	16	8.08	8.08	NUM
fsr-3321	228	17	%	%	NOUN
fsr-3321	228	18	for	for	ADP
fsr-3321	228	19	partial	partial	ADJ
fsr-3321	228	20	enrollment	enrollment	NOUN
fsr-3321	228	21	.	.	PUNCT
fsr-3321	229	1	by	by	ADP
fsr-3321	229	2	comparison	comparison	NOUN
fsr-3321	229	3	,	,	PUNCT
fsr-3321	229	4	3.24	3.24	NUM
fsr-3321	229	5	%	%	NOUN
fsr-3321	229	6	of	of	ADP
fsr-3321	229	7	employees	employee	NOUN
fsr-3321	229	8	have	have	AUX
fsr-3321	229	9	chosen	choose	VERB
fsr-3321	229	10	a	a	DET
fsr-3321	229	11	variable	variable	ADJ
fsr-3321	229	12	annuity	annuity	NOUN
fsr-3321	229	13	option	option	NOUN
fsr-3321	229	14	and	and	CCONJ
fsr-3321	229	15	44.97	44.97	NUM
fsr-3321	229	16	%	%	NOUN
fsr-3321	229	17	chose	choose	VERB
fsr-3321	229	18	the	the	DET
fsr-3321	229	19	partial	partial	ADJ
fsr-3321	229	20	variable	variable	ADJ
fsr-3321	229	21	annuity	annuity	NOUN
fsr-3321	229	22	option	option	NOUN
fsr-3321	229	23	.	.	PUNCT
fsr-3321	230	1	cost	cost	NOUN
fsr-3321	230	2	-	-	PUNCT
fsr-3321	230	3	wise	wise	ADJ
fsr-3321	230	4	,	,	PUNCT
fsr-3321	230	5	6.81	6.81	NUM
fsr-3321	230	6	%	%	NOUN
fsr-3321	230	7	are	be	AUX
fsr-3321	230	8	enrolled	enrol	VERB
fsr-3321	230	9	in	in	ADP
fsr-3321	230	10	the	the	DET
fsr-3321	230	11	cheapest	cheap	ADJ
fsr-3321	230	12	fund	fund	NOUN
fsr-3321	230	13	,	,	PUNCT
fsr-3321	230	14	which	which	PRON
fsr-3321	230	15	is	be	AUX
fsr-3321	230	16	the	the	DET
fsr-3321	230	17	cref	cref	PROPN
fsr-3321	230	18	international	international	PROPN
fsr-3321	230	19	equity	equity	NOUN
fsr-3321	230	20	index	index	NOUN
fsr-3321	230	21	with	with	ADP
fsr-3321	230	22	a	a	DET
fsr-3321	230	23	gross	gross	ADJ
fsr-3321	230	24	expense	expense	NOUN
fsr-3321	230	25	ratio	ratio	NOUN
fsr-3321	230	26	of	of	ADP
fsr-3321	230	27	0.06	0.06	NUM
fsr-3321	230	28	%	%	NOUN
fsr-3321	230	29	.	.	PUNCT
fsr-3321	231	1	by	by	ADP
fsr-3321	231	2	comparison	comparison	NOUN
fsr-3321	231	3	,	,	PUNCT
fsr-3321	231	4	8.83	8.83	NUM
fsr-3321	231	5	%	%	NOUN
fsr-3321	231	6	are	be	AUX
fsr-3321	231	7	enrolled	enrol	VERB
fsr-3321	231	8	in	in	ADP
fsr-3321	231	9	the	the	DET
fsr-3321	231	10	tiaa	tiaa	ADJ
fsr-3321	231	11	real	real	ADJ
fsr-3321	231	12	estate	estate	NOUN
fsr-3321	231	13	sector	sector	NOUN
fsr-3321	231	14	fund	fund	NOUN
fsr-3321	231	15	,	,	PUNCT
fsr-3321	231	16	which	which	PRON
fsr-3321	231	17	is	be	AUX
fsr-3321	231	18	the	the	DET
fsr-3321	231	19	most	most	ADV
fsr-3321	231	20	expensive	expensive	ADJ
fsr-3321	231	21	.	.	PUNCT
fsr-3321	232	1	in	in	ADP
fsr-3321	232	2	cooperation	cooperation	NOUN
fsr-3321	232	3	with	with	ADP
fsr-3321	232	4	administrators	administrator	NOUN
fsr-3321	232	5	at	at	ADP
fsr-3321	232	6	oregon	oregon	PROPN
fsr-3321	232	7	state	state	PROPN
fsr-3321	232	8	university	university	PROPN
fsr-3321	232	9	,	,	PUNCT
fsr-3321	232	10	we	we	PRON
fsr-3321	232	11	conducted	conduct	VERB
fsr-3321	232	12	a	a	DET
fsr-3321	232	13	web	web	NOUN
fsr-3321	232	14	-	-	PUNCT
fsr-3321	232	15	based	base	VERB
fsr-3321	232	16	survey	survey	NOUN
fsr-3321	232	17	of	of	ADP
fsr-3321	232	18	oregon	oregon	PROPN
fsr-3321	232	19	state	state	PROPN
fsr-3321	232	20	university	university	PROPN
fsr-3321	232	21	employees	employee	NOUN
fsr-3321	232	22	during	during	ADP
fsr-3321	232	23	the	the	DET
fsr-3321	232	24	summer	summer	NOUN
fsr-3321	232	25	of	of	ADP
fsr-3321	232	26	2015	2015	NUM
fsr-3321	232	27	.	.	PUNCT
fsr-3321	233	1	we	we	PRON
fsr-3321	233	2	sent	send	VERB
fsr-3321	233	3	a	a	DET
fsr-3321	233	4	survey	survey	NOUN
fsr-3321	233	5	link	link	NOUN
fsr-3321	233	6	via	via	ADP
fsr-3321	233	7	email	email	NOUN
fsr-3321	233	8	in	in	ADP
fsr-3321	233	9	june	june	PROPN
fsr-3321	233	10	2015	2015	NUM
fsr-3321	233	11	to	to	ADP
fsr-3321	233	12	all	all	DET
fsr-3321	233	13	oregon	oregon	PROPN
fsr-3321	233	14	state	state	PROPN
fsr-3321	233	15	university	university	NOUN
fsr-3321	233	16	employees	employee	NOUN
fsr-3321	233	17	that	that	PRON
fsr-3321	233	18	made	make	VERB
fsr-3321	233	19	a	a	DET
fsr-3321	233	20	retirement	retirement	NOUN
fsr-3321	233	21	plan	plan	NOUN
fsr-3321	233	22	choice	choice	NOUN
fsr-3321	233	23	.	.	PUNCT
fsr-3321	234	1	we	we	PRON
fsr-3321	234	2	removed	remove	VERB
fsr-3321	234	3	respondents	respondent	NOUN
fsr-3321	234	4	that	that	PRON
fsr-3321	234	5	were	be	AUX
fsr-3321	234	6	not	not	PART
fsr-3321	234	7	eligible	eligible	ADJ
fsr-3321	234	8	for	for	ADP
fsr-3321	234	9	the	the	DET
fsr-3321	234	10	403(b	403(b	PROPN
fsr-3321	234	11	)	)	PUNCT
fsr-3321	234	12	plan	plan	NOUN
fsr-3321	234	13	and	and	CCONJ
fsr-3321	234	14	removed	remove	VERB
fsr-3321	234	15	those	those	PRON
fsr-3321	234	16	enrolled	enrol	VERB
fsr-3321	234	17	before	before	SCONJ
fsr-3321	234	18	tier	tier	NOUN
fsr-3321	234	19	iii	iii	NUM
fsr-3321	234	20	started	start	VERB
fsr-3321	234	21	.	.	PUNCT
fsr-3321	235	1	there	there	PRON
fsr-3321	235	2	were	be	VERB
fsr-3321	235	3	339	339	NUM
fsr-3321	235	4	respondents	respondent	NOUN
fsr-3321	235	5	who	who	PRON
fsr-3321	235	6	completed	complete	VERB
fsr-3321	235	7	the	the	DET
fsr-3321	235	8	survey	survey	NOUN
fsr-3321	235	9	.	.	PUNCT
fsr-3321	236	1	the	the	DET
fsr-3321	236	2	survey	survey	NOUN
fsr-3321	236	3	asked	ask	VERB
fsr-3321	236	4	about	about	ADP
fsr-3321	236	5	a	a	DET
fsr-3321	236	6	variety	variety	NOUN
fsr-3321	236	7	of	of	ADP
fsr-3321	236	8	issues	issue	NOUN
fsr-3321	236	9	related	relate	VERB
fsr-3321	236	10	to	to	ADP
fsr-3321	236	11	retirement	retirement	NOUN
fsr-3321	236	12	plan	plan	NOUN
fsr-3321	236	13	saving	saving	NOUN
fsr-3321	236	14	and	and	CCONJ
fsr-3321	236	15	investment	investment	NOUN
fsr-3321	236	16	,	,	PUNCT
fsr-3321	236	17	including	include	VERB
fsr-3321	236	18	questions	question	NOUN
fsr-3321	236	19	about	about	ADP
fsr-3321	236	20	the	the	DET
fsr-3321	236	21	participant	participant	NOUN
fsr-3321	236	22	’s	’s	PART
fsr-3321	236	23	plans	plan	NOUN
fsr-3321	236	24	for	for	ADP
fsr-3321	236	25	retirement	retirement	NOUN
fsr-3321	236	26	,	,	PUNCT
fsr-3321	236	27	methods	method	NOUN
fsr-3321	236	28	of	of	ADP
fsr-3321	236	29	preparation	preparation	NOUN
fsr-3321	236	30	for	for	ADP
fsr-3321	236	31	retirement	retirement	NOUN
fsr-3321	236	32	,	,	PUNCT
fsr-3321	236	33	expected	expect	VERB
fsr-3321	236	34	job	job	NOUN
fsr-3321	236	35	tenure	tenure	NOUN
fsr-3321	236	36	,	,	PUNCT
fsr-3321	236	37	reasons	reason	NOUN
fsr-3321	236	38	for	for	ADP
fsr-3321	236	39	enrolling	enrol	VERB
fsr-3321	236	40	in	in	ADP
fsr-3321	236	41	specific	specific	ADJ
fsr-3321	236	42	retirement	retirement	NOUN
fsr-3321	236	43	plans	plan	NOUN
fsr-3321	236	44	,	,	PUNCT
fsr-3321	236	45	knowledge	knowledge	NOUN
fsr-3321	236	46	of	of	ADP
fsr-3321	236	47	how	how	SCONJ
fsr-3321	236	48	the	the	DET
fsr-3321	236	49	osu	osu	NOUN
fsr-3321	236	50	retirement	retirement	NOUN
fsr-3321	236	51	plans	plan	NOUN
fsr-3321	236	52	worked	work	VERB
fsr-3321	236	53	,	,	PUNCT
fsr-3321	236	54	financial	financial	ADJ
fsr-3321	236	55	literacy	literacy	NOUN
fsr-3321	236	56	,	,	PUNCT
fsr-3321	236	57	confidence	confidence	NOUN
fsr-3321	236	58	in	in	ADP
fsr-3321	236	59	financial	financial	ADJ
fsr-3321	236	60	ability	ability	NOUN
fsr-3321	236	61	,	,	PUNCT
fsr-3321	236	62	risk	risk	NOUN
fsr-3321	236	63	attitudes	attitude	NOUN
fsr-3321	236	64	,	,	PUNCT
fsr-3321	236	65	and	and	CCONJ
fsr-3321	236	66	basic	basic	ADJ
fsr-3321	236	67	demographic	demographic	ADJ
fsr-3321	236	68	information	information	NOUN
fsr-3321	236	69	.	.	PUNCT
fsr-3321	237	1	the	the	DET
fsr-3321	237	2	survey	survey	NOUN
fsr-3321	237	3	questions	question	NOUN
fsr-3321	237	4	are	be	AUX
fsr-3321	237	5	available	available	ADJ
fsr-3321	237	6	upon	upon	SCONJ
fsr-3321	237	7	table	table	NOUN
fsr-3321	237	8	5	5	NUM
fsr-3321	237	9	investment	investment	NOUN
fsr-3321	237	10	choice	choice	NOUN
fsr-3321	237	11	participation	participation	NOUN
fsr-3321	237	12	by	by	ADP
fsr-3321	237	13	provider	provider	NOUN
fsr-3321	237	14	panel	panel	NOUN
fsr-3321	237	15	a	a	DET
fsr-3321	237	16	:	:	PUNCT
fsr-3321	237	17	investment	investment	NOUN
fsr-3321	237	18	choice	choice	NOUN
fsr-3321	237	19	participation	participation	NOUN
fsr-3321	237	20	by	by	ADP
fsr-3321	237	21	:	:	PUNCT
fsr-3321	237	22	fidelity	fidelity	PROPN
fsr-3321	237	23	fidelity	fidelity	PROPN
fsr-3321	237	24	n	n	PRON
fsr-3321	237	25	number	number	NOUN
fsr-3321	237	26	of	of	ADP
fsr-3321	237	27	participants	participant	NOUN
fsr-3321	237	28	100	100	NUM
fsr-3321	237	29	%	%	NOUN
fsr-3321	237	30	invested	invest	VERB
fsr-3321	237	31	in	in	ADP
fsr-3321	237	32	target	target	NOUN
fsr-3321	237	33	date	date	NOUN
fsr-3321	237	34	fund	fund	NOUN
fsr-3321	237	35	388	388	NUM
fsr-3321	237	36	(	(	PUNCT
fsr-3321	237	37	11.97	11.97	NUM
fsr-3321	237	38	%	%	NOUN
fsr-3321	237	39	)	)	PUNCT
fsr-3321	237	40	number	number	NOUN
fsr-3321	237	41	of	of	ADP
fsr-3321	237	42	participants	participant	NOUN
fsr-3321	237	43	100	100	NUM
fsr-3321	237	44	%	%	NOUN
fsr-3321	237	45	invested	invest	VERB
fsr-3321	237	46	in	in	ADP
fsr-3321	237	47	brokerage	brokerage	NOUN
fsr-3321	237	48	account	account	NOUN
fsr-3321	237	49	17	17	NUM
fsr-3321	237	50	(	(	PUNCT
fsr-3321	237	51	0.52	0.52	NUM
fsr-3321	237	52	%	%	NOUN
fsr-3321	237	53	)	)	PUNCT
fsr-3321	237	54	number	number	NOUN
fsr-3321	237	55	of	of	ADP
fsr-3321	237	56	participants	participant	NOUN
fsr-3321	237	57	100	100	NUM
fsr-3321	237	58	%	%	NOUN
fsr-3321	237	59	invested	invest	VERB
fsr-3321	237	60	mm	mm	NUM
fsr-3321	237	61	account	account	NOUN
fsr-3321	237	62	(	(	PUNCT
fsr-3321	237	63	average	average	ADJ
fsr-3321	237	64	age	age	NOUN
fsr-3321	237	65	54.56	54.56	NUM
fsr-3321	237	66	)	)	PUNCT
fsr-3321	237	67	52	52	NUM
fsr-3321	237	68	(	(	PUNCT
fsr-3321	237	69	1.60	1.60	NUM
fsr-3321	237	70	%	%	NOUN
fsr-3321	237	71	)	)	PUNCT
fsr-3321	237	72	number	number	NOUN
fsr-3321	237	73	of	of	ADP
fsr-3321	237	74	participants	participant	NOUN
fsr-3321	237	75	invested	invest	VERB
fsr-3321	237	76	to	to	ADP
fsr-3321	237	77	some	some	DET
fsr-3321	237	78	degree	degree	NOUN
fsr-3321	237	79	in	in	ADP
fsr-3321	237	80	cheapest	cheap	ADJ
fsr-3321	237	81	funda	funda	PROPN
fsr-3321	237	82	179	179	NUM
fsr-3321	237	83	(	(	PUNCT
fsr-3321	237	84	5.52	5.52	NUM
fsr-3321	237	85	%	%	NOUN
fsr-3321	237	86	)	)	PUNCT
fsr-3321	237	87	number	number	NOUN
fsr-3321	237	88	of	of	ADP
fsr-3321	237	89	participants	participant	NOUN
fsr-3321	237	90	invested	invest	VERB
fsr-3321	237	91	to	to	ADP
fsr-3321	237	92	some	some	DET
fsr-3321	237	93	degree	degree	NOUN
fsr-3321	237	94	in	in	ADP
fsr-3321	237	95	most	most	ADV
fsr-3321	237	96	expensive	expensive	ADJ
fsr-3321	237	97	fundsb	fundsb	NOUN
fsr-3321	237	98	239	239	NUM
fsr-3321	237	99	(	(	PUNCT
fsr-3321	237	100	7.37	7.37	NUM
fsr-3321	237	101	%	%	NOUN
fsr-3321	237	102	)	)	PUNCT
fsr-3321	237	103	as&p	as&p	PROPN
fsr-3321	237	104	500	500	NUM
fsr-3321	237	105	etf	etf	NOUN
fsr-3321	237	106	.	.	PUNCT
fsr-3321	238	1	bbaron	bbaron	PROPN
fsr-3321	238	2	growth	growth	NOUN
fsr-3321	238	3	1.23	1.23	NUM
fsr-3321	238	4	%	%	NOUN
fsr-3321	238	5	,	,	PUNCT
fsr-3321	238	6	vi	vi	PROPN
fsr-3321	238	7	small	small	ADJ
fsr-3321	238	8	cap	cap	NOUN
fsr-3321	238	9	1.20	1.20	NUM
fsr-3321	238	10	%	%	NOUN
fsr-3321	238	11	,	,	PUNCT
fsr-3321	238	12	jpm	jpm	PROPN
fsr-3321	238	13	mid	mid	PROPN
fsr-3321	238	14	cap	cap	PROPN
fsr-3321	238	15	1.141	1.141	NUM
fsr-3321	238	16	%	%	NOUN
fsr-3321	238	17	,	,	PUNCT
fsr-3321	238	18	amg	amg	PROPN
fsr-3321	238	19	mid	mid	ADJ
fsr-3321	238	20	cap	cap	NOUN
fsr-3321	238	21	1.04	1.04	NUM
fsr-3321	238	22	%	%	NOUN
fsr-3321	238	23	jpm	jpm	PROPN
fsr-3321	238	24	.	.	PUNCT
fsr-3321	239	1	panel	panel	NOUN
fsr-3321	239	2	b	b	X
fsr-3321	239	3	:	:	PUNCT
fsr-3321	239	4	investment	investment	NOUN
fsr-3321	239	5	choice	choice	NOUN
fsr-3321	239	6	participation	participation	NOUN
fsr-3321	239	7	by	by	ADP
fsr-3321	239	8	:	:	PUNCT
fsr-3321	239	9	tiaa	tiaa	ADJ
fsr-3321	239	10	-	-	PUNCT
fsr-3321	239	11	cref	cref	NOUN
fsr-3321	239	12	tiaa	tiaa	NOUN
fsr-3321	239	13	-	-	PUNCT
fsr-3321	239	14	cref	cref	NOUN
fsr-3321	239	15	n	n	PRON
fsr-3321	239	16	number	number	NOUN
fsr-3321	239	17	of	of	ADP
fsr-3321	239	18	participants	participant	NOUN
fsr-3321	239	19	100	100	NUM
fsr-3321	239	20	%	%	NOUN
fsr-3321	239	21	invested	invest	VERB
fsr-3321	239	22	in	in	ADP
fsr-3321	239	23	target	target	NOUN
fsr-3321	239	24	date	date	NOUN
fsr-3321	239	25	fund	fund	NOUN
fsr-3321	239	26	64	64	NUM
fsr-3321	239	27	(	(	PUNCT
fsr-3321	239	28	1.20	1.20	NUM
fsr-3321	239	29	%	%	NOUN
fsr-3321	239	30	)	)	PUNCT
fsr-3321	239	31	number	number	NOUN
fsr-3321	239	32	of	of	ADP
fsr-3321	239	33	participants	participant	NOUN
fsr-3321	239	34	100	100	NUM
fsr-3321	239	35	%	%	NOUN
fsr-3321	239	36	invested	invest	VERB
fsr-3321	239	37	in	in	ADP
fsr-3321	239	38	traditional	traditional	ADJ
fsr-3321	239	39	annuity	annuity	NOUN
fsr-3321	239	40	36	36	NUM
fsr-3321	239	41	(	(	PUNCT
fsr-3321	239	42	0.67	0.67	NUM
fsr-3321	239	43	%	%	NOUN
fsr-3321	239	44	)	)	PUNCT
fsr-3321	239	45	number	number	NOUN
fsr-3321	239	46	of	of	ADP
fsr-3321	239	47	participants	participant	NOUN
fsr-3321	239	48	100	100	NUM
fsr-3321	239	49	%	%	NOUN
fsr-3321	239	50	invested	invest	VERB
fsr-3321	239	51	in	in	ADP
fsr-3321	239	52	variable	variable	ADJ
fsr-3321	239	53	annuity	annuity	NOUN
fsr-3321	239	54	172	172	NUM
fsr-3321	239	55	(	(	PUNCT
fsr-3321	239	56	3.24	3.24	NUM
fsr-3321	239	57	%	%	NOUN
fsr-3321	239	58	)	)	PUNCT
fsr-3321	239	59	number	number	NOUN
fsr-3321	239	60	of	of	ADP
fsr-3321	239	61	participants	participant	NOUN
fsr-3321	239	62	100	100	NUM
fsr-3321	239	63	%	%	NOUN
fsr-3321	239	64	mm	mm	NUM
fsr-3321	239	65	account	account	NOUN
fsr-3321	239	66	(	(	PUNCT
fsr-3321	239	67	average	average	ADJ
fsr-3321	239	68	age	age	NOUN
fsr-3321	239	69	)	)	PUNCT
fsr-3321	239	70	17	17	NUM
fsr-3321	239	71	in	in	ADP
fsr-3321	239	72	mm	mm	PROPN
fsr-3321	239	73	;	;	PUNCT
fsr-3321	239	74	183	183	NUM
fsr-3321	239	75	vamm	vamm	NOUN
fsr-3321	239	76	(	(	PUNCT
fsr-3321	239	77	3.76	3.76	NUM
fsr-3321	239	78	%	%	NOUN
fsr-3321	239	79	)	)	PUNCT
fsr-3321	239	80	number	number	NOUN
fsr-3321	239	81	of	of	ADP
fsr-3321	239	82	participants	participant	NOUN
fsr-3321	239	83	invested	invest	VERB
fsr-3321	239	84	to	to	ADP
fsr-3321	239	85	some	some	DET
fsr-3321	239	86	degree	degree	NOUN
fsr-3321	239	87	in	in	ADP
fsr-3321	239	88	cheapest	cheap	ADJ
fsr-3321	239	89	funda	funda	PROPN
fsr-3321	239	90	362	362	NUM
fsr-3321	239	91	(	(	PUNCT
fsr-3321	239	92	6.81	6.81	NUM
fsr-3321	239	93	%	%	NOUN
fsr-3321	239	94	)	)	PUNCT
fsr-3321	239	95	number	number	NOUN
fsr-3321	239	96	of	of	ADP
fsr-3321	239	97	participants	participant	NOUN
fsr-3321	239	98	invested	invest	VERB
fsr-3321	239	99	to	to	ADP
fsr-3321	239	100	some	some	DET
fsr-3321	239	101	degree	degree	NOUN
fsr-3321	239	102	in	in	ADP
fsr-3321	239	103	most	most	ADV
fsr-3321	239	104	expensive	expensive	ADJ
fsr-3321	239	105	fundb	fundb	NOUN
fsr-3321	239	106	469	469	NUM
fsr-3321	239	107	(	(	PUNCT
fsr-3321	239	108	8.83	8.83	NUM
fsr-3321	239	109	%	%	NOUN
fsr-3321	239	110	)	)	PUNCT
fsr-3321	239	111	acref	acref	PROPN
fsr-3321	239	112	intl	intl	PROPN
fsr-3321	239	113	eq	eq	ADP
fsr-3321	239	114	idx	idx	PROPN
fsr-3321	239	115	-	-	PUNCT
fsr-3321	239	116	inst-0.06	inst-0.06	NOUN
fsr-3321	239	117	%	%	NOUN
fsr-3321	239	118	.	.	PUNCT
fsr-3321	240	1	btiaa	btiaa	PROPN
fsr-3321	240	2	real	real	ADJ
fsr-3321	240	3	estate-0.87	estate-0.87	PROPN
fsr-3321	240	4	%	%	NOUN
fsr-3321	240	5	.	.	PUNCT
fsr-3321	241	1	251a	251a	PROPN
fsr-3321	241	2	.	.	PUNCT
fsr-3321	242	1	anthony	anthony	PROPN
fsr-3321	242	2	et	et	PROPN
fsr-3321	242	3	al	al	PROPN
fsr-3321	242	4	.	.	PUNCT
fsr-3321	242	5	/	/	SYM
fsr-3321	242	6	financial	financial	ADJ
fsr-3321	242	7	services	service	NOUN
fsr-3321	242	8	review	review	VERB
fsr-3321	242	9	26	26	NUM
fsr-3321	242	10	(	(	PUNCT
fsr-3321	242	11	2017	2017	NUM
fsr-3321	242	12	)	)	PUNCT
fsr-3321	242	13	241–254	241–254	NUM
fsr-3321	242	14	request	request	NOUN
fsr-3321	242	15	.	.	PUNCT
fsr-3321	243	1	this	this	PRON
fsr-3321	243	2	was	be	AUX
fsr-3321	243	3	a	a	DET
fsr-3321	243	4	blind	blind	ADJ
fsr-3321	243	5	survey	survey	NOUN
fsr-3321	243	6	in	in	ADP
fsr-3321	243	7	that	that	SCONJ
fsr-3321	243	8	we	we	PRON
fsr-3321	243	9	could	could	AUX
fsr-3321	243	10	not	not	PART
fsr-3321	243	11	merge	merge	VERB
fsr-3321	243	12	the	the	DET
fsr-3321	243	13	survey	survey	NOUN
fsr-3321	243	14	responses	response	NOUN
fsr-3321	243	15	with	with	ADP
fsr-3321	243	16	the	the	DET
fsr-3321	243	17	actual	actual	ADJ
fsr-3321	243	18	investment	investment	NOUN
fsr-3321	243	19	data	datum	NOUN
fsr-3321	243	20	found	find	VERB
fsr-3321	243	21	in	in	ADP
fsr-3321	243	22	the	the	DET
fsr-3321	243	23	earlier	early	ADJ
fsr-3321	243	24	part	part	NOUN
fsr-3321	243	25	of	of	ADP
fsr-3321	243	26	the	the	DET
fsr-3321	243	27	paper	paper	NOUN
fsr-3321	243	28	.	.	PUNCT
fsr-3321	244	1	the	the	DET
fsr-3321	244	2	average	average	ADJ
fsr-3321	244	3	age	age	NOUN
fsr-3321	244	4	of	of	ADP
fsr-3321	244	5	the	the	DET
fsr-3321	244	6	participants	participant	NOUN
fsr-3321	244	7	in	in	ADP
fsr-3321	244	8	the	the	DET
fsr-3321	244	9	sample	sample	NOUN
fsr-3321	244	10	is	be	AUX
fsr-3321	244	11	42	42	NUM
fsr-3321	244	12	.	.	PUNCT
fsr-3321	245	1	forty	forty	NUM
fsr-3321	245	2	-	-	PUNCT
fsr-3321	245	3	two	two	NUM
fsr-3321	245	4	percent	percent	NOUN
fsr-3321	245	5	of	of	ADP
fsr-3321	245	6	respondents	respondent	NOUN
fsr-3321	245	7	enrolled	enrol	VERB
fsr-3321	245	8	in	in	ADP
fsr-3321	245	9	the	the	DET
fsr-3321	245	10	orp	orp	PROPN
fsr-3321	245	11	plan	plan	NOUN
fsr-3321	245	12	,	,	PUNCT
fsr-3321	245	13	48	48	NUM
fsr-3321	245	14	%	%	NOUN
fsr-3321	245	15	enrolled	enrol	VERB
fsr-3321	245	16	in	in	ADP
fsr-3321	245	17	the	the	DET
fsr-3321	245	18	defined	define	VERB
fsr-3321	245	19	benefit	benefit	NOUN
fsr-3321	245	20	(	(	PUNCT
fsr-3321	245	21	pension	pension	NOUN
fsr-3321	245	22	)	)	PUNCT
fsr-3321	245	23	plan	plan	NOUN
fsr-3321	245	24	,	,	PUNCT
fsr-3321	245	25	and	and	CCONJ
fsr-3321	245	26	10	10	NUM
fsr-3321	245	27	%	%	NOUN
fsr-3321	245	28	of	of	ADP
fsr-3321	245	29	the	the	DET
fsr-3321	245	30	respondents	respondent	NOUN
fsr-3321	245	31	are	be	AUX
fsr-3321	245	32	not	not	PART
fsr-3321	245	33	sure	sure	ADJ
fsr-3321	245	34	which	which	DET
fsr-3321	245	35	plan	plan	NOUN
fsr-3321	245	36	they	they	PRON
fsr-3321	245	37	selected	select	VERB
fsr-3321	245	38	.	.	PUNCT
fsr-3321	246	1	there	there	PRON
fsr-3321	246	2	were	be	VERB
fsr-3321	246	3	31	31	NUM
fsr-3321	246	4	%	%	NOUN
fsr-3321	246	5	of	of	ADP
fsr-3321	246	6	the	the	DET
fsr-3321	246	7	respondents	respondent	NOUN
fsr-3321	246	8	who	who	PRON
fsr-3321	246	9	enrolled	enrol	VERB
fsr-3321	246	10	in	in	ADP
fsr-3321	246	11	the	the	DET
fsr-3321	246	12	optional	optional	ADJ
fsr-3321	246	13	403(b	403(b	PROPN
fsr-3321	246	14	)	)	PUNCT
fsr-3321	246	15	plan	plan	NOUN
fsr-3321	246	16	,	,	PUNCT
fsr-3321	246	17	while	while	SCONJ
fsr-3321	246	18	22	22	NUM
fsr-3321	246	19	%	%	NOUN
fsr-3321	246	20	are	be	AUX
fsr-3321	246	21	not	not	PART
fsr-3321	246	22	sure	sure	ADJ
fsr-3321	246	23	if	if	SCONJ
fsr-3321	246	24	they	they	PRON
fsr-3321	246	25	enrolled	enrol	VERB
fsr-3321	246	26	in	in	ADP
fsr-3321	246	27	an	an	DET
fsr-3321	246	28	optional	optional	ADJ
fsr-3321	246	29	plan	plan	NOUN
fsr-3321	246	30	;	;	PUNCT
fsr-3321	246	31	53	53	NUM
fsr-3321	246	32	%	%	NOUN
fsr-3321	246	33	of	of	ADP
fsr-3321	246	34	respondents	respondent	NOUN
fsr-3321	246	35	use	use	VERB
fsr-3321	246	36	fidelity	fidelity	NOUN
fsr-3321	246	37	,	,	PUNCT
fsr-3321	246	38	33	33	NUM
fsr-3321	246	39	%	%	NOUN
fsr-3321	246	40	used	use	VERB
fsr-3321	246	41	tiaa	tiaa	NOUN
fsr-3321	246	42	-	-	PUNCT
fsr-3321	246	43	cref	cref	NOUN
fsr-3321	246	44	,	,	PUNCT
fsr-3321	246	45	2	2	NUM
fsr-3321	246	46	%	%	NOUN
fsr-3321	246	47	use	use	NOUN
fsr-3321	246	48	valic	valic	NOUN
fsr-3321	246	49	,	,	PUNCT
fsr-3321	246	50	and	and	CCONJ
fsr-3321	246	51	12	12	NUM
fsr-3321	246	52	%	%	NOUN
fsr-3321	246	53	are	be	AUX
fsr-3321	246	54	not	not	PART
fsr-3321	246	55	sure	sure	ADJ
fsr-3321	246	56	which	which	DET
fsr-3321	246	57	vendor	vendor	NOUN
fsr-3321	246	58	they	they	PRON
fsr-3321	246	59	used	use	VERB
fsr-3321	246	60	for	for	ADP
fsr-3321	246	61	their	their	PRON
fsr-3321	246	62	orp	orp	PROPN
fsr-3321	246	63	accounts	account	NOUN
fsr-3321	246	64	.	.	PUNCT
fsr-3321	247	1	for	for	ADP
fsr-3321	247	2	the	the	DET
fsr-3321	247	3	403(b	403(b	PROPN
fsr-3321	247	4	)	)	PUNCT
fsr-3321	247	5	,	,	PUNCT
fsr-3321	247	6	61	61	NUM
fsr-3321	247	7	%	%	NOUN
fsr-3321	247	8	of	of	ADP
fsr-3321	247	9	respondents	respondent	NOUN
fsr-3321	247	10	use	use	VERB
fsr-3321	247	11	fidelity	fidelity	NOUN
fsr-3321	247	12	,	,	PUNCT
fsr-3321	247	13	32	32	NUM
fsr-3321	247	14	%	%	NOUN
fsr-3321	247	15	used	use	VERB
fsr-3321	247	16	tiaa	tiaa	NOUN
fsr-3321	247	17	-	-	PUNCT
fsr-3321	247	18	cref	cref	NOUN
fsr-3321	247	19	,	,	PUNCT
fsr-3321	247	20	and	and	CCONJ
fsr-3321	247	21	7	7	NUM
fsr-3321	247	22	%	%	NOUN
fsr-3321	247	23	are	be	AUX
fsr-3321	247	24	not	not	PART
fsr-3321	247	25	sure	sure	ADJ
fsr-3321	247	26	which	which	DET
fsr-3321	247	27	vendor	vendor	NOUN
fsr-3321	247	28	they	they	PRON
fsr-3321	247	29	chose	choose	VERB
fsr-3321	247	30	.	.	PUNCT
fsr-3321	248	1	participants	participant	NOUN
fsr-3321	248	2	are	be	AUX
fsr-3321	248	3	asked	ask	VERB
fsr-3321	248	4	to	to	PART
fsr-3321	248	5	rate	rate	VERB
fsr-3321	248	6	the	the	DET
fsr-3321	248	7	level	level	NOUN
fsr-3321	248	8	of	of	ADP
fsr-3321	248	9	confidence	confidence	NOUN
fsr-3321	248	10	in	in	ADP
fsr-3321	248	11	their	their	PRON
fsr-3321	248	12	investment	investment	NOUN
fsr-3321	248	13	skills	skill	NOUN
fsr-3321	248	14	on	on	ADP
fsr-3321	248	15	a	a	DET
fsr-3321	248	16	scale	scale	NOUN
fsr-3321	248	17	from	from	ADP
fsr-3321	248	18	0	0	NUM
fsr-3321	248	19	to	to	ADP
fsr-3321	248	20	10	10	NUM
fsr-3321	248	21	.	.	PUNCT
fsr-3321	249	1	the	the	DET
fsr-3321	249	2	mean	mean	ADJ
fsr-3321	249	3	confidence	confidence	NOUN
fsr-3321	249	4	level	level	NOUN
fsr-3321	249	5	for	for	ADP
fsr-3321	249	6	the	the	DET
fsr-3321	249	7	sample	sample	NOUN
fsr-3321	249	8	is	be	AUX
fsr-3321	249	9	4.19	4.19	NUM
fsr-3321	249	10	.	.	PUNCT
fsr-3321	250	1	the	the	DET
fsr-3321	250	2	mean	mean	ADJ
fsr-3321	250	3	confidence	confidence	NOUN
fsr-3321	250	4	level	level	NOUN
fsr-3321	250	5	for	for	ADP
fsr-3321	250	6	those	those	PRON
fsr-3321	250	7	selecting	select	VERB
fsr-3321	250	8	a	a	DET
fsr-3321	250	9	403(b	403(b	PROPN
fsr-3321	250	10	)	)	PUNCT
fsr-3321	250	11	plan	plan	NOUN
fsr-3321	250	12	is	be	AUX
fsr-3321	250	13	5.21	5.21	NUM
fsr-3321	250	14	whereas	whereas	SCONJ
fsr-3321	250	15	those	those	PRON
fsr-3321	250	16	without	without	ADP
fsr-3321	250	17	the	the	DET
fsr-3321	250	18	optional	optional	ADJ
fsr-3321	250	19	plan	plan	NOUN
fsr-3321	250	20	selected	select	VERB
fsr-3321	250	21	an	an	DET
fsr-3321	250	22	average	average	ADJ
fsr-3321	250	23	mean	mean	NOUN
fsr-3321	250	24	confidence	confidence	NOUN
fsr-3321	250	25	level	level	NOUN
fsr-3321	250	26	of	of	ADP
fsr-3321	250	27	4.01	4.01	NUM
fsr-3321	250	28	.	.	PUNCT
fsr-3321	251	1	the	the	DET
fsr-3321	251	2	investment	investment	NOUN
fsr-3321	251	3	funds	fund	NOUN
fsr-3321	251	4	selected	select	VERB
fsr-3321	251	5	in	in	ADP
fsr-3321	251	6	their	their	PRON
fsr-3321	251	7	403(b	403(b	NOUN
fsr-3321	251	8	)	)	PUNCT
fsr-3321	251	9	accounts	account	NOUN
fsr-3321	251	10	are	be	AUX
fsr-3321	251	11	a	a	DET
fsr-3321	251	12	result	result	NOUN
fsr-3321	251	13	of	of	ADP
fsr-3321	251	14	an	an	DET
fsr-3321	251	15	active	active	ADJ
fsr-3321	251	16	choice	choice	NOUN
fsr-3321	251	17	made	make	VERB
fsr-3321	251	18	by	by	ADP
fsr-3321	251	19	the	the	DET
fsr-3321	251	20	participant	participant	NOUN
fsr-3321	251	21	for	for	ADP
fsr-3321	251	22	72	72	NUM
fsr-3321	251	23	%	%	NOUN
fsr-3321	251	24	of	of	ADP
fsr-3321	251	25	the	the	DET
fsr-3321	251	26	participants	participant	NOUN
fsr-3321	251	27	,	,	PUNCT
fsr-3321	251	28	while	while	SCONJ
fsr-3321	251	29	28	28	NUM
fsr-3321	251	30	%	%	NOUN
fsr-3321	251	31	of	of	ADP
fsr-3321	251	32	participants	participant	NOUN
fsr-3321	251	33	simply	simply	ADV
fsr-3321	251	34	used	use	VERB
fsr-3321	251	35	the	the	DET
fsr-3321	251	36	default	default	NOUN
fsr-3321	251	37	investment	investment	NOUN
fsr-3321	251	38	settings	setting	NOUN
fsr-3321	251	39	for	for	ADP
fsr-3321	251	40	each	each	DET
fsr-3321	251	41	vendor	vendor	NOUN
fsr-3321	251	42	.	.	PUNCT
fsr-3321	252	1	using	use	VERB
fsr-3321	252	2	multivariate	multivariate	NOUN
fsr-3321	252	3	regressions	regression	NOUN
fsr-3321	252	4	,	,	PUNCT
fsr-3321	252	5	we	we	PRON
fsr-3321	252	6	find	find	VERB
fsr-3321	252	7	that	that	SCONJ
fsr-3321	252	8	the	the	DET
fsr-3321	252	9	choice	choice	NOUN
fsr-3321	252	10	to	to	PART
fsr-3321	252	11	enroll	enroll	VERB
fsr-3321	252	12	in	in	ADP
fsr-3321	252	13	the	the	DET
fsr-3321	252	14	defined	define	VERB
fsr-3321	252	15	contribution	contribution	NOUN
fsr-3321	252	16	plan	plan	NOUN
fsr-3321	252	17	(	(	PUNCT
fsr-3321	252	18	orp	orp	PROPN
fsr-3321	252	19	)	)	PUNCT
fsr-3321	252	20	rather	rather	ADV
fsr-3321	252	21	than	than	ADP
fsr-3321	252	22	the	the	DET
fsr-3321	252	23	pension	pension	NOUN
fsr-3321	252	24	plan	plan	NOUN
fsr-3321	252	25	is	be	AUX
fsr-3321	252	26	associated	associate	VERB
fsr-3321	252	27	with	with	ADP
fsr-3321	252	28	respondents	respondent	NOUN
fsr-3321	252	29	who	who	PRON
fsr-3321	252	30	:	:	PUNCT
fsr-3321	252	31	(	(	PUNCT
fsr-3321	252	32	1	1	X
fsr-3321	252	33	)	)	PUNCT
fsr-3321	252	34	figured	figure	VERB
fsr-3321	252	35	out	out	ADP
fsr-3321	252	36	how	how	SCONJ
fsr-3321	252	37	much	much	ADJ
fsr-3321	252	38	they	they	PRON
fsr-3321	252	39	need	need	VERB
fsr-3321	252	40	for	for	ADP
fsr-3321	252	41	retirement	retirement	NOUN
fsr-3321	252	42	,	,	PUNCT
fsr-3321	252	43	(	(	PUNCT
fsr-3321	252	44	2	2	X
fsr-3321	252	45	)	)	PUNCT
fsr-3321	252	46	are	be	AUX
fsr-3321	252	47	younger	young	ADJ
fsr-3321	252	48	,	,	PUNCT
fsr-3321	252	49	(	(	PUNCT
fsr-3321	252	50	3	3	X
fsr-3321	252	51	)	)	PUNCT
fsr-3321	252	52	have	have	VERB
fsr-3321	252	53	a	a	DET
fsr-3321	252	54	higher	high	ADJ
fsr-3321	252	55	household	household	NOUN
fsr-3321	252	56	income	income	NOUN
fsr-3321	252	57	,	,	PUNCT
fsr-3321	252	58	(	(	PUNCT
fsr-3321	252	59	4	4	X
fsr-3321	252	60	)	)	PUNCT
fsr-3321	252	61	are	be	AUX
fsr-3321	252	62	the	the	DET
fsr-3321	252	63	primary	primary	ADJ
fsr-3321	252	64	decision	decision	NOUN
fsr-3321	252	65	makers	maker	NOUN
fsr-3321	252	66	,	,	PUNCT
fsr-3321	252	67	and	and	CCONJ
fsr-3321	252	68	(	(	PUNCT
fsr-3321	252	69	5	5	X
fsr-3321	252	70	)	)	PUNCT
fsr-3321	252	71	are	be	AUX
fsr-3321	252	72	more	more	ADV
fsr-3321	252	73	confident	confident	ADJ
fsr-3321	252	74	about	about	ADP
fsr-3321	252	75	their	their	PRON
fsr-3321	252	76	investment	investment	NOUN
fsr-3321	252	77	skills	skill	NOUN
fsr-3321	252	78	.	.	PUNCT
fsr-3321	253	1	enrollment	enrollment	NOUN
fsr-3321	253	2	into	into	ADP
fsr-3321	253	3	the	the	DET
fsr-3321	253	4	optional	optional	ADJ
fsr-3321	253	5	403(b	403(b	PROPN
fsr-3321	253	6	)	)	PUNCT
fsr-3321	253	7	plan	plan	NOUN
fsr-3321	253	8	is	be	AUX
fsr-3321	253	9	associated	associate	VERB
fsr-3321	253	10	with	with	ADP
fsr-3321	253	11	respondents	respondent	NOUN
fsr-3321	253	12	who	who	PRON
fsr-3321	253	13	:	:	PUNCT
fsr-3321	253	14	(	(	PUNCT
fsr-3321	253	15	1	1	X
fsr-3321	253	16	)	)	PUNCT
fsr-3321	253	17	figured	figure	VERB
fsr-3321	253	18	out	out	ADP
fsr-3321	253	19	how	how	SCONJ
fsr-3321	253	20	much	much	ADJ
fsr-3321	253	21	they	they	PRON
fsr-3321	253	22	need	need	VERB
fsr-3321	253	23	for	for	ADP
fsr-3321	253	24	retirement	retirement	NOUN
fsr-3321	253	25	,	,	PUNCT
fsr-3321	253	26	(	(	PUNCT
fsr-3321	253	27	2	2	X
fsr-3321	253	28	)	)	PUNCT
fsr-3321	253	29	have	have	VERB
fsr-3321	253	30	a	a	DET
fsr-3321	253	31	higher	high	ADJ
fsr-3321	253	32	household	household	NOUN
fsr-3321	253	33	income	income	NOUN
fsr-3321	253	34	,	,	PUNCT
fsr-3321	253	35	(	(	PUNCT
fsr-3321	253	36	3	3	X
fsr-3321	253	37	)	)	PUNCT
fsr-3321	253	38	are	be	AUX
fsr-3321	253	39	tier	tier	NOUN
fsr-3321	253	40	iv	iv	NUM
fsr-3321	253	41	employees	employee	NOUN
fsr-3321	253	42	,	,	PUNCT
fsr-3321	253	43	(	(	PUNCT
fsr-3321	253	44	4	4	X
fsr-3321	253	45	)	)	PUNCT
fsr-3321	253	46	are	be	AUX
fsr-3321	253	47	more	more	ADV
fsr-3321	253	48	financially	financially	ADV
fsr-3321	253	49	knowledgeable	knowledgeable	ADJ
fsr-3321	253	50	,	,	PUNCT
fsr-3321	253	51	and	and	CCONJ
fsr-3321	253	52	(	(	PUNCT
fsr-3321	253	53	5	5	X
fsr-3321	253	54	)	)	PUNCT
fsr-3321	253	55	see	see	VERB
fsr-3321	253	56	investing	invest	VERB
fsr-3321	253	57	as	as	ADP
fsr-3321	253	58	an	an	DET
fsr-3321	253	59	exciting	exciting	ADJ
fsr-3321	253	60	activity	activity	NOUN
fsr-3321	253	61	.	.	PUNCT
fsr-3321	254	1	5	5	X
fsr-3321	254	2	.	.	X
fsr-3321	254	3	conclusion	conclusion	NOUN
fsr-3321	254	4	and	and	CCONJ
fsr-3321	254	5	implications	implication	NOUN
fsr-3321	254	6	using	use	VERB
fsr-3321	254	7	a	a	DET
fsr-3321	254	8	unique	unique	ADJ
fsr-3321	254	9	dataset	dataset	NOUN
fsr-3321	254	10	of	of	ADP
fsr-3321	254	11	actual	actual	ADJ
fsr-3321	254	12	investment	investment	NOUN
fsr-3321	254	13	choices	choice	NOUN
fsr-3321	254	14	of	of	ADP
fsr-3321	254	15	oregon	oregon	PROPN
fsr-3321	254	16	state	state	PROPN
fsr-3321	254	17	university	university	NOUN
fsr-3321	254	18	employees	employee	NOUN
fsr-3321	254	19	,	,	PUNCT
fsr-3321	254	20	we	we	PRON
fsr-3321	254	21	investigate	investigate	VERB
fsr-3321	254	22	how	how	SCONJ
fsr-3321	254	23	investment	investment	NOUN
fsr-3321	254	24	choices	choice	NOUN
fsr-3321	254	25	differ	differ	VERB
fsr-3321	254	26	between	between	ADP
fsr-3321	254	27	(	(	PUNCT
fsr-3321	254	28	1	1	X
fsr-3321	254	29	)	)	PUNCT
fsr-3321	254	30	the	the	DET
fsr-3321	254	31	orp	orp	PROPN
fsr-3321	254	32	funded	fund	VERB
fsr-3321	254	33	by	by	ADP
fsr-3321	254	34	the	the	DET
fsr-3321	254	35	employer	employer	NOUN
fsr-3321	254	36	and	and	CCONJ
fsr-3321	254	37	(	(	PUNCT
fsr-3321	254	38	2	2	X
fsr-3321	254	39	)	)	PUNCT
fsr-3321	254	40	the	the	DET
fsr-3321	254	41	investments	investment	NOUN
fsr-3321	254	42	in	in	ADP
fsr-3321	254	43	403(b	403(b	PROPN
fsr-3321	254	44	)	)	PUNCT
fsr-3321	254	45	accounts	account	NOUN
fsr-3321	254	46	funded	fund	VERB
fsr-3321	254	47	by	by	ADP
fsr-3321	254	48	employees	employee	NOUN
fsr-3321	254	49	themselves	themselves	PRON
fsr-3321	254	50	using	use	VERB
fsr-3321	254	51	voluntary	voluntary	ADJ
fsr-3321	254	52	salary	salary	NOUN
fsr-3321	254	53	reduction	reduction	NOUN
fsr-3321	254	54	.	.	PUNCT
fsr-3321	255	1	we	we	PRON
fsr-3321	255	2	find	find	VERB
fsr-3321	255	3	that	that	SCONJ
fsr-3321	255	4	the	the	DET
fsr-3321	255	5	level	level	NOUN
fsr-3321	255	6	of	of	ADP
fsr-3321	255	7	risk	risk	NOUN
fsr-3321	255	8	associated	associate	VERB
fsr-3321	255	9	with	with	ADP
fsr-3321	255	10	voluntary	voluntary	ADJ
fsr-3321	255	11	,	,	PUNCT
fsr-3321	255	12	salary	salary	NOUN
fsr-3321	255	13	reduction	reduction	NOUN
fsr-3321	255	14	investments	investment	NOUN
fsr-3321	255	15	in	in	ADP
fsr-3321	255	16	403(b	403(b	PROPN
fsr-3321	255	17	)	)	PUNCT
fsr-3321	255	18	accounts	account	NOUN
fsr-3321	255	19	is	be	AUX
fsr-3321	255	20	lower	low	ADJ
fsr-3321	255	21	than	than	SCONJ
fsr-3321	255	22	the	the	DET
fsr-3321	255	23	risk	risk	NOUN
fsr-3321	255	24	employees	employee	NOUN
fsr-3321	255	25	are	be	AUX
fsr-3321	255	26	currently	currently	ADV
fsr-3321	255	27	taking	take	VERB
fsr-3321	255	28	in	in	ADP
fsr-3321	255	29	their	their	PRON
fsr-3321	255	30	employer	employer	NOUN
fsr-3321	255	31	funded	fund	VERB
fsr-3321	255	32	401(a	401(a	PROPN
fsr-3321	255	33	)	)	PUNCT
fsr-3321	255	34	accounts	account	NOUN
fsr-3321	255	35	.	.	PUNCT
fsr-3321	256	1	these	these	DET
fsr-3321	256	2	findings	finding	NOUN
fsr-3321	256	3	are	be	AUX
fsr-3321	256	4	consistent	consistent	ADJ
fsr-3321	256	5	with	with	ADP
fsr-3321	256	6	the	the	DET
fsr-3321	256	7	notion	notion	NOUN
fsr-3321	256	8	of	of	ADP
fsr-3321	256	9	a	a	DET
fsr-3321	256	10	house	house	NOUN
fsr-3321	256	11	money	money	NOUN
fsr-3321	256	12	effect	effect	NOUN
fsr-3321	256	13	,	,	PUNCT
fsr-3321	256	14	with	with	ADP
fsr-3321	256	15	the	the	DET
fsr-3321	256	16	employer	employer	NOUN
fsr-3321	256	17	contribution	contribution	NOUN
fsr-3321	256	18	as	as	ADP
fsr-3321	256	19	the	the	DET
fsr-3321	256	20	house	house	NOUN
fsr-3321	256	21	money	money	NOUN
fsr-3321	256	22	.	.	PUNCT
fsr-3321	257	1	employees	employee	NOUN
fsr-3321	257	2	appear	appear	VERB
fsr-3321	257	3	be	be	AUX
fsr-3321	257	4	more	more	ADV
fsr-3321	257	5	willing	willing	ADJ
fsr-3321	257	6	to	to	PART
fsr-3321	257	7	take	take	VERB
fsr-3321	257	8	risk	risk	NOUN
fsr-3321	257	9	with	with	ADP
fsr-3321	257	10	the	the	DET
fsr-3321	257	11	employer	employer	NOUN
fsr-3321	257	12	money	money	NOUN
fsr-3321	257	13	,	,	PUNCT
fsr-3321	257	14	or	or	CCONJ
fsr-3321	257	15	“	"	PUNCT
fsr-3321	257	16	free	free	ADJ
fsr-3321	257	17	money	money	NOUN
fsr-3321	257	18	,	,	PUNCT
fsr-3321	257	19	”	"	PUNCT
fsr-3321	257	20	than	than	ADP
fsr-3321	257	21	their	their	PRON
fsr-3321	257	22	own	own	ADJ
fsr-3321	257	23	salary	salary	NOUN
fsr-3321	257	24	reduction	reduction	NOUN
fsr-3321	257	25	contribution	contribution	NOUN
fsr-3321	257	26	to	to	ADP
fsr-3321	257	27	the	the	DET
fsr-3321	257	28	403(b	403(b	PROPN
fsr-3321	257	29	)	)	PUNCT
fsr-3321	257	30	account	account	NOUN
fsr-3321	257	31	.	.	PUNCT
fsr-3321	258	1	we	we	PRON
fsr-3321	258	2	also	also	ADV
fsr-3321	258	3	examine	examine	VERB
fsr-3321	258	4	whether	whether	SCONJ
fsr-3321	258	5	the	the	DET
fsr-3321	258	6	choice	choice	NOUN
fsr-3321	258	7	of	of	ADP
fsr-3321	258	8	the	the	DET
fsr-3321	258	9	provider	provider	NOUN
fsr-3321	258	10	,	,	PUNCT
fsr-3321	258	11	fidelity	fidelity	NOUN
fsr-3321	258	12	or	or	CCONJ
fsr-3321	258	13	tiaa	tiaa	NOUN
fsr-3321	258	14	-	-	PUNCT
fsr-3321	258	15	cref	cref	NOUN
fsr-3321	258	16	,	,	PUNCT
fsr-3321	258	17	is	be	AUX
fsr-3321	258	18	related	relate	VERB
fsr-3321	258	19	to	to	ADP
fsr-3321	258	20	the	the	DET
fsr-3321	258	21	asset	asset	NOUN
fsr-3321	258	22	allocation	allocation	NOUN
fsr-3321	258	23	choices	choice	NOUN
fsr-3321	258	24	made	make	VERB
fsr-3321	258	25	by	by	ADP
fsr-3321	258	26	the	the	DET
fsr-3321	258	27	employees	employee	NOUN
fsr-3321	258	28	.	.	PUNCT
fsr-3321	259	1	we	we	PRON
fsr-3321	259	2	find	find	VERB
fsr-3321	259	3	that	that	SCONJ
fsr-3321	259	4	participant	participant	ADJ
fsr-3321	259	5	investment	investment	NOUN
fsr-3321	259	6	choices	choice	NOUN
fsr-3321	259	7	in	in	ADP
fsr-3321	259	8	fidelity	fidelity	NOUN
fsr-3321	259	9	are	be	AUX
fsr-3321	259	10	riskier	risky	ADJ
fsr-3321	259	11	than	than	ADP
fsr-3321	259	12	the	the	DET
fsr-3321	259	13	choices	choice	NOUN
fsr-3321	259	14	made	make	VERB
fsr-3321	259	15	by	by	ADP
fsr-3321	259	16	those	those	PRON
fsr-3321	259	17	who	who	PRON
fsr-3321	259	18	selected	select	VERB
fsr-3321	259	19	tiaa	tiaa	NOUN
fsr-3321	259	20	-	-	PUNCT
fsr-3321	259	21	cref	cref	NOUN
fsr-3321	259	22	.	.	PUNCT
fsr-3321	260	1	one	one	NUM
fsr-3321	260	2	possible	possible	ADJ
fsr-3321	260	3	interpretation	interpretation	NOUN
fsr-3321	260	4	and	and	CCONJ
fsr-3321	260	5	implication	implication	NOUN
fsr-3321	260	6	is	be	AUX
fsr-3321	260	7	that	that	SCONJ
fsr-3321	260	8	participants	participant	NOUN
fsr-3321	260	9	who	who	PRON
fsr-3321	260	10	enroll	enroll	VERB
fsr-3321	260	11	into	into	ADP
fsr-3321	260	12	fidelity	fidelity	NOUN
fsr-3321	260	13	are	be	AUX
fsr-3321	260	14	more	more	ADV
fsr-3321	260	15	sophisticated	sophisticated	ADJ
fsr-3321	260	16	investors	investor	NOUN
fsr-3321	260	17	and	and	CCONJ
fsr-3321	260	18	are	be	AUX
fsr-3321	260	19	better	well	ADV
fsr-3321	260	20	able	able	ADJ
fsr-3321	260	21	to	to	PART
fsr-3321	260	22	assess	assess	VERB
fsr-3321	260	23	risk	risk	NOUN
fsr-3321	260	24	.	.	PUNCT
fsr-3321	261	1	this	this	DET
fsr-3321	261	2	result	result	NOUN
fsr-3321	261	3	is	be	AUX
fsr-3321	261	4	further	far	ADV
fsr-3321	261	5	reinforced	reinforce	VERB
fsr-3321	261	6	by	by	ADP
fsr-3321	261	7	the	the	DET
fsr-3321	261	8	answers	answer	NOUN
fsr-3321	261	9	to	to	ADP
fsr-3321	261	10	our	our	PRON
fsr-3321	261	11	survey	survey	NOUN
fsr-3321	261	12	.	.	PUNCT
fsr-3321	262	1	respondents	respondent	NOUN
fsr-3321	262	2	who	who	PRON
fsr-3321	262	3	choose	choose	VERB
fsr-3321	262	4	fidelity	fidelity	NOUN
fsr-3321	262	5	also	also	ADV
fsr-3321	262	6	tend	tend	VERB
fsr-3321	262	7	to	to	PART
fsr-3321	262	8	be	be	AUX
fsr-3321	262	9	more	more	ADV
fsr-3321	262	10	confident	confident	ADJ
fsr-3321	262	11	in	in	ADP
fsr-3321	262	12	their	their	PRON
fsr-3321	262	13	investment	investment	NOUN
fsr-3321	262	14	ability	ability	NOUN
fsr-3321	262	15	and	and	CCONJ
fsr-3321	262	16	knowledgeable	knowledgeable	ADJ
fsr-3321	262	17	about	about	ADP
fsr-3321	262	18	the	the	DET
fsr-3321	262	19	stock	stock	NOUN
fsr-3321	262	20	market	market	NOUN
fsr-3321	262	21	.	.	PUNCT
fsr-3321	263	1	252	252	NUM
fsr-3321	263	2	a.	a.	NOUN
fsr-3321	263	3	anthony	anthony	PROPN
fsr-3321	263	4	et	et	PROPN
fsr-3321	263	5	al	al	PROPN
fsr-3321	263	6	.	.	PUNCT
fsr-3321	263	7	/	/	SYM
fsr-3321	263	8	financial	financial	ADJ
fsr-3321	263	9	services	service	NOUN
fsr-3321	263	10	review	review	VERB
fsr-3321	263	11	26	26	NUM
fsr-3321	263	12	(	(	PUNCT
fsr-3321	263	13	2017	2017	NUM
fsr-3321	263	14	)	)	PUNCT
fsr-3321	263	15	241–254	241–254	NUM
fsr-3321	263	16	lastly	lastly	ADV
fsr-3321	263	17	,	,	PUNCT
fsr-3321	263	18	using	use	VERB
fsr-3321	263	19	a	a	DET
fsr-3321	263	20	survey	survey	NOUN
fsr-3321	263	21	of	of	ADP
fsr-3321	263	22	354	354	NUM
fsr-3321	263	23	oregon	oregon	PROPN
fsr-3321	263	24	state	state	PROPN
fsr-3321	263	25	university	university	NOUN
fsr-3321	263	26	employees	employee	NOUN
fsr-3321	263	27	we	we	PRON
fsr-3321	263	28	explore	explore	VERB
fsr-3321	263	29	how	how	SCONJ
fsr-3321	263	30	individuals	individual	NOUN
fsr-3321	263	31	choose	choose	VERB
fsr-3321	263	32	their	their	PRON
fsr-3321	263	33	plan	plan	NOUN
fsr-3321	263	34	,	,	PUNCT
fsr-3321	263	35	the	the	DET
fsr-3321	263	36	level	level	NOUN
fsr-3321	263	37	of	of	ADP
fsr-3321	263	38	risk	risk	NOUN
fsr-3321	263	39	,	,	PUNCT
fsr-3321	263	40	and	and	CCONJ
fsr-3321	263	41	the	the	DET
fsr-3321	263	42	plan	plan	NOUN
fsr-3321	263	43	provider	provider	NOUN
fsr-3321	263	44	.	.	PUNCT
fsr-3321	264	1	there	there	PRON
fsr-3321	264	2	were	be	VERB
fsr-3321	264	3	28	28	NUM
fsr-3321	264	4	%	%	NOUN
fsr-3321	264	5	of	of	ADP
fsr-3321	264	6	those	those	PRON
fsr-3321	264	7	in	in	ADP
fsr-3321	264	8	the	the	DET
fsr-3321	264	9	survey	survey	NOUN
fsr-3321	264	10	who	who	PRON
fsr-3321	264	11	chose	choose	VERB
fsr-3321	264	12	the	the	DET
fsr-3321	264	13	default	default	NOUN
fsr-3321	264	14	investment	investment	NOUN
fsr-3321	264	15	option	option	NOUN
fsr-3321	264	16	by	by	ADP
fsr-3321	264	17	the	the	DET
fsr-3321	264	18	provider	provider	NOUN
fsr-3321	264	19	.	.	PUNCT
fsr-3321	265	1	enrollment	enrollment	NOUN
fsr-3321	265	2	into	into	ADP
fsr-3321	265	3	the	the	DET
fsr-3321	265	4	optional	optional	ADJ
fsr-3321	265	5	plan	plan	NOUN
fsr-3321	265	6	is	be	AUX
fsr-3321	265	7	associated	associate	VERB
fsr-3321	265	8	with	with	ADP
fsr-3321	265	9	respondents	respondent	NOUN
fsr-3321	265	10	who	who	PRON
fsr-3321	265	11	are	be	AUX
fsr-3321	265	12	more	more	ADV
fsr-3321	265	13	likely	likely	ADJ
fsr-3321	265	14	to	to	PART
fsr-3321	265	15	have	have	AUX
fsr-3321	265	16	figured	figure	VERB
fsr-3321	265	17	out	out	ADP
fsr-3321	265	18	how	how	SCONJ
fsr-3321	265	19	much	much	ADJ
fsr-3321	265	20	they	they	PRON
fsr-3321	265	21	need	need	VERB
fsr-3321	265	22	for	for	ADP
fsr-3321	265	23	retirement	retirement	NOUN
fsr-3321	265	24	,	,	PUNCT
fsr-3321	265	25	have	have	VERB
fsr-3321	265	26	a	a	DET
fsr-3321	265	27	higher	high	ADJ
fsr-3321	265	28	household	household	NOUN
fsr-3321	265	29	income	income	NOUN
fsr-3321	265	30	,	,	PUNCT
fsr-3321	265	31	are	be	AUX
fsr-3321	265	32	recently	recently	ADV
fsr-3321	265	33	hired	hire	VERB
fsr-3321	265	34	(	(	PUNCT
fsr-3321	265	35	tier	tier	NOUN
fsr-3321	265	36	iv	iv	NUM
fsr-3321	265	37	)	)	PUNCT
fsr-3321	265	38	employees	employee	NOUN
fsr-3321	265	39	,	,	PUNCT
fsr-3321	265	40	are	be	AUX
fsr-3321	265	41	more	more	ADV
fsr-3321	265	42	financially	financially	ADV
fsr-3321	265	43	knowledgeable	knowledgeable	ADJ
fsr-3321	265	44	,	,	PUNCT
fsr-3321	265	45	and	and	CCONJ
fsr-3321	265	46	see	see	VERB
fsr-3321	265	47	investing	invest	VERB
fsr-3321	265	48	as	as	ADP
fsr-3321	265	49	an	an	DET
fsr-3321	265	50	exciting	exciting	ADJ
fsr-3321	265	51	activity	activity	NOUN
fsr-3321	265	52	.	.	PUNCT
fsr-3321	266	1	the	the	DET
fsr-3321	266	2	study	study	NOUN
fsr-3321	266	3	and	and	CCONJ
fsr-3321	266	4	findings	finding	NOUN
fsr-3321	266	5	have	have	VERB
fsr-3321	266	6	implications	implication	NOUN
fsr-3321	266	7	for	for	SCONJ
fsr-3321	266	8	both	both	CCONJ
fsr-3321	266	9	the	the	DET
fsr-3321	266	10	design	design	NOUN
fsr-3321	266	11	and	and	CCONJ
fsr-3321	266	12	choices	choice	NOUN
fsr-3321	266	13	employers	employer	NOUN
fsr-3321	266	14	make	make	VERB
fsr-3321	266	15	in	in	ADP
fsr-3321	266	16	their	their	PRON
fsr-3321	266	17	retirement	retirement	NOUN
fsr-3321	266	18	plans	plan	NOUN
fsr-3321	266	19	and	and	CCONJ
fsr-3321	266	20	the	the	DET
fsr-3321	266	21	choices	choice	NOUN
fsr-3321	266	22	employees	employee	NOUN
fsr-3321	266	23	make	make	VERB
fsr-3321	266	24	when	when	SCONJ
fsr-3321	266	25	selecting	select	VERB
fsr-3321	266	26	investments	investment	NOUN
fsr-3321	266	27	.	.	PUNCT
fsr-3321	267	1	first	first	ADV
fsr-3321	267	2	,	,	PUNCT
fsr-3321	267	3	the	the	DET
fsr-3321	267	4	employer	employer	NOUN
fsr-3321	267	5	’s	’s	PART
fsr-3321	267	6	choice	choice	NOUN
fsr-3321	267	7	of	of	ADP
fsr-3321	267	8	a	a	DET
fsr-3321	267	9	default	default	NOUN
fsr-3321	267	10	option	option	NOUN
fsr-3321	267	11	has	have	VERB
fsr-3321	267	12	a	a	DET
fsr-3321	267	13	considerable	considerable	ADJ
fsr-3321	267	14	impact	impact	NOUN
fsr-3321	267	15	on	on	ADP
fsr-3321	267	16	the	the	DET
fsr-3321	267	17	investment	investment	NOUN
fsr-3321	267	18	choice	choice	NOUN
fsr-3321	267	19	made	make	VERB
fsr-3321	267	20	by	by	ADP
fsr-3321	267	21	the	the	DET
fsr-3321	267	22	employee	employee	NOUN
fsr-3321	267	23	.	.	PUNCT
fsr-3321	268	1	as	as	ADP
fsr-3321	268	2	such	such	ADJ
fsr-3321	268	3	,	,	PUNCT
fsr-3321	268	4	employers	employer	NOUN
fsr-3321	268	5	should	should	AUX
fsr-3321	268	6	select	select	VERB
fsr-3321	268	7	the	the	DET
fsr-3321	268	8	default	default	NOUN
fsr-3321	268	9	option	option	NOUN
fsr-3321	268	10	that	that	PRON
fsr-3321	268	11	has	have	VERB
fsr-3321	268	12	the	the	DET
fsr-3321	268	13	best	good	ADJ
fsr-3321	268	14	potential	potential	NOUN
fsr-3321	268	15	to	to	PART
fsr-3321	268	16	be	be	AUX
fsr-3321	268	17	an	an	DET
fsr-3321	268	18	appropriate	appropriate	ADJ
fsr-3321	268	19	option	option	NOUN
fsr-3321	268	20	for	for	ADP
fsr-3321	268	21	employees	employee	NOUN
fsr-3321	268	22	in	in	ADP
fsr-3321	268	23	the	the	DET
fsr-3321	268	24	event	event	NOUN
fsr-3321	268	25	of	of	ADP
fsr-3321	268	26	no	no	DET
fsr-3321	268	27	involvement	involvement	NOUN
fsr-3321	268	28	by	by	ADP
fsr-3321	268	29	the	the	DET
fsr-3321	268	30	employee	employee	NOUN
fsr-3321	268	31	.	.	PUNCT
fsr-3321	269	1	second	second	ADJ
fsr-3321	269	2	,	,	PUNCT
fsr-3321	269	3	employers	employer	NOUN
fsr-3321	269	4	should	should	AUX
fsr-3321	269	5	add	add	VERB
fsr-3321	269	6	educational	educational	ADJ
fsr-3321	269	7	information	information	NOUN
fsr-3321	269	8	around	around	ADP
fsr-3321	269	9	the	the	DET
fsr-3321	269	10	employee	employee	NOUN
fsr-3321	269	11	and	and	CCONJ
fsr-3321	269	12	employer	employer	NOUN
fsr-3321	269	13	accounts	account	NOUN
fsr-3321	269	14	during	during	ADP
fsr-3321	269	15	employee	employee	NOUN
fsr-3321	269	16	orientation	orientation	NOUN
fsr-3321	269	17	when	when	SCONJ
fsr-3321	269	18	the	the	DET
fsr-3321	269	19	retirement	retirement	NOUN
fsr-3321	269	20	system	system	NOUN
fsr-3321	269	21	is	be	AUX
fsr-3321	269	22	presented	present	VERB
fsr-3321	269	23	.	.	PUNCT
fsr-3321	270	1	this	this	PRON
fsr-3321	270	2	will	will	AUX
fsr-3321	270	3	assure	assure	VERB
fsr-3321	270	4	that	that	SCONJ
fsr-3321	270	5	employees	employee	NOUN
fsr-3321	270	6	are	be	AUX
fsr-3321	270	7	clear	clear	ADJ
fsr-3321	270	8	on	on	ADP
fsr-3321	270	9	the	the	DET
fsr-3321	270	10	types	type	NOUN
fsr-3321	270	11	of	of	ADP
fsr-3321	270	12	investment	investment	NOUN
fsr-3321	270	13	choices	choice	NOUN
fsr-3321	270	14	available	available	ADJ
fsr-3321	270	15	and	and	CCONJ
fsr-3321	270	16	the	the	DET
fsr-3321	270	17	implication	implication	NOUN
fsr-3321	270	18	of	of	ADP
fsr-3321	270	19	an	an	DET
fsr-3321	270	20	active	active	ADJ
fsr-3321	270	21	or	or	CCONJ
fsr-3321	270	22	passive	passive	ADJ
fsr-3321	270	23	choice	choice	NOUN
fsr-3321	270	24	.	.	PUNCT
fsr-3321	271	1	lastly	lastly	ADV
fsr-3321	271	2	,	,	PUNCT
fsr-3321	271	3	given	give	VERB
fsr-3321	271	4	the	the	DET
fsr-3321	271	5	financial	financial	ADJ
fsr-3321	271	6	implication	implication	NOUN
fsr-3321	271	7	of	of	ADP
fsr-3321	271	8	the	the	DET
fsr-3321	271	9	decision	decision	NOUN
fsr-3321	271	10	,	,	PUNCT
fsr-3321	271	11	in	in	ADP
fsr-3321	271	12	the	the	DET
fsr-3321	271	13	event	event	NOUN
fsr-3321	271	14	that	that	PRON
fsr-3321	271	15	employees	employee	NOUN
fsr-3321	271	16	do	do	AUX
fsr-3321	271	17	not	not	PART
fsr-3321	271	18	feel	feel	VERB
fsr-3321	271	19	comfortable	comfortable	ADJ
fsr-3321	271	20	with	with	ADP
fsr-3321	271	21	making	make	VERB
fsr-3321	271	22	the	the	DET
fsr-3321	271	23	investment	investment	NOUN
fsr-3321	271	24	choices	choice	NOUN
fsr-3321	271	25	,	,	PUNCT
fsr-3321	271	26	employees	employee	NOUN
fsr-3321	271	27	should	should	AUX
fsr-3321	271	28	employ	employ	VERB
fsr-3321	271	29	professional	professional	ADJ
fsr-3321	271	30	services	service	NOUN
fsr-3321	271	31	rather	rather	ADV
fsr-3321	271	32	than	than	ADP
fsr-3321	271	33	spreading	spread	VERB
fsr-3321	271	34	funds	fund	NOUN
fsr-3321	271	35	equally	equally	ADV
fsr-3321	271	36	between	between	ADP
fsr-3321	271	37	similar	similar	ADJ
fsr-3321	271	38	accounts	account	NOUN
fsr-3321	271	39	or	or	CCONJ
fsr-3321	271	40	investing	invest	VERB
fsr-3321	271	41	in	in	ADP
fsr-3321	271	42	high	high	ADJ
fsr-3321	271	43	fee	fee	NOUN
fsr-3321	271	44	funds	fund	NOUN
fsr-3321	271	45	that	that	PRON
fsr-3321	271	46	have	have	VERB
fsr-3321	271	47	low	low	ADJ
fsr-3321	271	48	fee	fee	NOUN
fsr-3321	271	49	comparable	comparable	ADJ
fsr-3321	271	50	options	option	NOUN
fsr-3321	271	51	.	.	PUNCT
fsr-3321	272	1	notes	note	NOUN
fsr-3321	272	2	1	1	NUM
fsr-3321	272	3	as	as	SCONJ
fsr-3321	272	4	education	education	NOUN
fsr-3321	272	5	and	and	CCONJ
fsr-3321	272	6	income	income	NOUN
fsr-3321	272	7	have	have	AUX
fsr-3321	272	8	been	be	AUX
fsr-3321	272	9	shown	show	VERB
fsr-3321	272	10	to	to	PART
fsr-3321	272	11	have	have	VERB
fsr-3321	272	12	a	a	DET
fsr-3321	272	13	strong	strong	ADJ
fsr-3321	272	14	relationship	relationship	NOUN
fsr-3321	272	15	with	with	ADP
fsr-3321	272	16	retirement	retirement	NOUN
fsr-3321	272	17	planning	planning	NOUN
fsr-3321	272	18	,	,	PUNCT
fsr-3321	272	19	we	we	PRON
fsr-3321	272	20	aim	aim	VERB
fsr-3321	272	21	to	to	PART
fsr-3321	272	22	eliminate	eliminate	VERB
fsr-3321	272	23	that	that	DET
fsr-3321	272	24	impact	impact	NOUN
fsr-3321	272	25	rather	rather	ADV
fsr-3321	272	26	than	than	ADP
fsr-3321	272	27	control	control	VERB
fsr-3321	272	28	for	for	ADP
fsr-3321	272	29	it	it	PRON
fsr-3321	272	30	.	.	PUNCT
fsr-3321	273	1	for	for	ADP
fsr-3321	273	2	example	example	NOUN
fsr-3321	273	3	,	,	PUNCT
fsr-3321	273	4	joo	joo	NOUN
fsr-3321	273	5	and	and	CCONJ
fsr-3321	273	6	grable	grable	PROPN
fsr-3321	273	7	(	(	PUNCT
fsr-3321	273	8	2005	2005	NUM
fsr-3321	273	9	)	)	PUNCT
fsr-3321	273	10	show	show	VERB
fsr-3321	273	11	a	a	DET
fsr-3321	273	12	link	link	NOUN
fsr-3321	273	13	between	between	ADP
fsr-3321	273	14	higher	high	ADJ
fsr-3321	273	15	education	education	NOUN
fsr-3321	273	16	/	/	SYM
fsr-3321	273	17	higher	high	ADJ
fsr-3321	273	18	income	income	NOUN
fsr-3321	273	19	and	and	CCONJ
fsr-3321	273	20	the	the	DET
fsr-3321	273	21	existence	existence	NOUN
fsr-3321	273	22	of	of	ADP
fsr-3321	273	23	workplace	workplace	NOUN
fsr-3321	273	24	retirement	retirement	NOUN
fsr-3321	273	25	savings	saving	NOUN
fsr-3321	273	26	.	.	PUNCT
fsr-3321	274	1	2	2	NUM
fsr-3321	274	2	employees	employee	NOUN
fsr-3321	274	3	are	be	AUX
fsr-3321	274	4	informed	inform	VERB
fsr-3321	274	5	about	about	ADP
fsr-3321	274	6	the	the	DET
fsr-3321	274	7	two	two	NUM
fsr-3321	274	8	options	option	NOUN
fsr-3321	274	9	at	at	ADP
fsr-3321	274	10	a	a	DET
fsr-3321	274	11	human	human	ADJ
fsr-3321	274	12	resources	resource	NOUN
fsr-3321	274	13	-	-	PUNCT
fsr-3321	274	14	led	lead	VERB
fsr-3321	274	15	orientation	orientation	NOUN
fsr-3321	274	16	but	but	CCONJ
fsr-3321	274	17	they	they	PRON
fsr-3321	274	18	are	be	AUX
fsr-3321	274	19	not	not	PART
fsr-3321	274	20	advised	advise	VERB
fsr-3321	274	21	to	to	PART
fsr-3321	274	22	choose	choose	VERB
fsr-3321	274	23	one	one	NUM
fsr-3321	274	24	over	over	ADP
fsr-3321	274	25	the	the	DET
fsr-3321	274	26	other	other	ADJ
fsr-3321	274	27	.	.	PUNCT
fsr-3321	275	1	3	3	NUM
fsr-3321	275	2	for	for	ADP
fsr-3321	275	3	a	a	DET
fsr-3321	275	4	complete	complete	ADJ
fsr-3321	275	5	guide	guide	NOUN
fsr-3321	275	6	of	of	ADP
fsr-3321	275	7	eligibility	eligibility	NOUN
fsr-3321	275	8	and	and	CCONJ
fsr-3321	275	9	rules	rule	NOUN
fsr-3321	275	10	,	,	PUNCT
fsr-3321	275	11	see	see	VERB
fsr-3321	275	12	the	the	DET
fsr-3321	275	13	state	state	NOUN
fsr-3321	275	14	of	of	ADP
fsr-3321	275	15	oregon	oregon	PROPN
fsr-3321	275	16	public	public	ADJ
fsr-3321	275	17	employees	employee	NOUN
fsr-3321	275	18	’	’	PART
fsr-3321	275	19	website	website	NOUN
fsr-3321	275	20	.	.	PUNCT
fsr-3321	276	1	4	4	NUM
fsr-3321	276	2	valic	valic	NOUN
fsr-3321	276	3	is	be	AUX
fsr-3321	276	4	also	also	ADV
fsr-3321	276	5	an	an	DET
fsr-3321	276	6	option	option	NOUN
fsr-3321	276	7	but	but	CCONJ
fsr-3321	276	8	it	it	PRON
fsr-3321	276	9	is	be	AUX
fsr-3321	276	10	a	a	DET
fsr-3321	276	11	closed	closed	ADJ
fsr-3321	276	12	provider	provider	NOUN
fsr-3321	276	13	since	since	SCONJ
fsr-3321	276	14	2007	2007	NUM
fsr-3321	276	15	and	and	CCONJ
fsr-3321	276	16	no	no	DET
fsr-3321	276	17	valic	valic	ADJ
fsr-3321	276	18	data	datum	NOUN
fsr-3321	276	19	is	be	AUX
fsr-3321	276	20	included	include	VERB
fsr-3321	276	21	in	in	ADP
fsr-3321	276	22	this	this	DET
fsr-3321	276	23	study	study	NOUN
fsr-3321	276	24	.	.	PUNCT
fsr-3321	277	1	5	5	NUM
fsr-3321	277	2	one	one	NUM
fsr-3321	277	3	concern	concern	NOUN
fsr-3321	277	4	is	be	AUX
fsr-3321	277	5	that	that	SCONJ
fsr-3321	277	6	the	the	DET
fsr-3321	277	7	tiaa	tiaa	ADJ
fsr-3321	277	8	real	real	ADJ
fsr-3321	277	9	estate	estate	NOUN
fsr-3321	277	10	fund	fund	NOUN
fsr-3321	277	11	is	be	AUX
fsr-3321	277	12	less	less	ADV
fsr-3321	277	13	risky	risky	ADJ
fsr-3321	277	14	than	than	ADP
fsr-3321	277	15	equity	equity	NOUN
fsr-3321	277	16	funds	fund	NOUN
fsr-3321	277	17	.	.	PUNCT
fsr-3321	278	1	to	to	PART
fsr-3321	278	2	account	account	VERB
fsr-3321	278	3	for	for	ADP
fsr-3321	278	4	this	this	DET
fsr-3321	278	5	possibility	possibility	NOUN
fsr-3321	278	6	we	we	PRON
fsr-3321	278	7	specify	specify	VERB
fsr-3321	278	8	an	an	DET
fsr-3321	278	9	alternative	alternative	ADJ
fsr-3321	278	10	ranking	ranking	NOUN
fsr-3321	278	11	,	,	PUNCT
fsr-3321	278	12	where	where	SCONJ
fsr-3321	278	13	real	real	ADJ
fsr-3321	278	14	estate	estate	NOUN
fsr-3321	278	15	was	be	AUX
fsr-3321	278	16	assigned	assign	VERB
fsr-3321	278	17	a	a	DET
fsr-3321	278	18	4	4	NUM
fsr-3321	278	19	,	,	PUNCT
fsr-3321	278	20	domestic	domestic	ADJ
fsr-3321	278	21	equity	equity	NOUN
fsr-3321	278	22	a	a	DET
fsr-3321	278	23	5	5	NUM
fsr-3321	278	24	,	,	PUNCT
fsr-3321	278	25	and	and	CCONJ
fsr-3321	278	26	international	international	ADJ
fsr-3321	278	27	equity	equity	NOUN
fsr-3321	278	28	a	a	DET
fsr-3321	278	29	6	6	NUM
fsr-3321	278	30	,	,	PUNCT
fsr-3321	278	31	with	with	ADP
fsr-3321	278	32	the	the	DET
fsr-3321	278	33	brokerage	brokerage	NOUN
fsr-3321	278	34	account	account	NOUN
fsr-3321	278	35	becoming	become	VERB
fsr-3321	278	36	a	a	DET
fsr-3321	278	37	7	7	NUM
fsr-3321	278	38	.	.	PUNCT
fsr-3321	279	1	this	this	DET
fsr-3321	279	2	change	change	NOUN
fsr-3321	279	3	does	do	AUX
fsr-3321	279	4	not	not	PART
fsr-3321	279	5	have	have	VERB
fsr-3321	279	6	a	a	DET
fsr-3321	279	7	significant	significant	ADJ
fsr-3321	279	8	impact	impact	NOUN
fsr-3321	279	9	on	on	ADP
fsr-3321	279	10	the	the	DET
fsr-3321	279	11	results	result	NOUN
fsr-3321	279	12	.	.	PUNCT
fsr-3321	280	1	6	6	NUM
fsr-3321	280	2	it	it	PRON
fsr-3321	280	3	is	be	AUX
fsr-3321	280	4	possible	possible	ADJ
fsr-3321	280	5	that	that	SCONJ
fsr-3321	280	6	some	some	DET
fsr-3321	280	7	employees	employee	NOUN
fsr-3321	280	8	chose	choose	VERB
fsr-3321	280	9	fidelity	fidelity	NOUN
fsr-3321	280	10	for	for	ADP
fsr-3321	280	11	one	one	NUM
fsr-3321	280	12	plan	plan	NOUN
fsr-3321	280	13	and	and	CCONJ
fsr-3321	280	14	tiaa	tiaa	NOUN
fsr-3321	280	15	-	-	PUNCT
fsr-3321	280	16	cref	cref	NOUN
fsr-3321	280	17	for	for	ADP
fsr-3321	280	18	the	the	DET
fsr-3321	280	19	other	other	ADJ
fsr-3321	280	20	.	.	PUNCT
fsr-3321	281	1	given	give	VERB
fsr-3321	281	2	the	the	DET
fsr-3321	281	3	lack	lack	NOUN
fsr-3321	281	4	of	of	ADP
fsr-3321	281	5	employee	employee	NOUN
fsr-3321	281	6	identifiers	identifier	NOUN
fsr-3321	281	7	,	,	PUNCT
fsr-3321	281	8	we	we	PRON
fsr-3321	281	9	are	be	AUX
fsr-3321	281	10	unable	unable	ADJ
fsr-3321	281	11	to	to	PART
fsr-3321	281	12	crosscheck	crosscheck	VERB
fsr-3321	281	13	the	the	DET
fsr-3321	281	14	two	two	NUM
fsr-3321	281	15	plans	plan	NOUN
fsr-3321	281	16	and	and	CCONJ
fsr-3321	281	17	identify	identify	VERB
fsr-3321	281	18	such	such	ADJ
fsr-3321	281	19	participants	participant	NOUN
fsr-3321	281	20	.	.	PUNCT
fsr-3321	282	1	we	we	PRON
fsr-3321	282	2	treat	treat	VERB
fsr-3321	282	3	each	each	DET
fsr-3321	282	4	unique	unique	ADJ
fsr-3321	282	5	participant	participant	NOUN
fsr-3321	282	6	from	from	ADP
fsr-3321	282	7	either	either	CCONJ
fsr-3321	282	8	fidelity	fidelity	NOUN
fsr-3321	282	9	or	or	CCONJ
fsr-3321	282	10	tiaa	tiaa	NOUN
fsr-3321	282	11	-	-	PUNCT
fsr-3321	282	12	cref	cref	NOUN
fsr-3321	282	13	as	as	ADP
fsr-3321	282	14	non	non	ADJ
fsr-3321	282	15	-	-	ADJ
fsr-3321	282	16	overlapping	overlapping	ADJ
fsr-3321	282	17	,	,	PUNCT
fsr-3321	282	18	when	when	SCONJ
fsr-3321	282	19	in	in	ADP
fsr-3321	282	20	reality	reality	NOUN
fsr-3321	282	21	this	this	PRON
fsr-3321	282	22	may	may	AUX
fsr-3321	282	23	not	not	PART
fsr-3321	282	24	be	be	AUX
fsr-3321	282	25	so	so	ADV
fsr-3321	282	26	.	.	PUNCT
fsr-3321	283	1	additionally	additionally	ADV
fsr-3321	283	2	,	,	PUNCT
fsr-3321	283	3	participants	participant	NOUN
fsr-3321	283	4	could	could	AUX
fsr-3321	283	5	choose	choose	VERB
fsr-3321	283	6	the	the	DET
fsr-3321	283	7	403(b	403(b	PROPN
fsr-3321	283	8	)	)	PUNCT
fsr-3321	283	9	account	account	NOUN
fsr-3321	283	10	and	and	CCONJ
fsr-3321	283	11	not	not	PART
fsr-3321	283	12	be	be	AUX
fsr-3321	283	13	enrolled	enrol	VERB
fsr-3321	283	14	in	in	ADP
fsr-3321	283	15	the	the	DET
fsr-3321	283	16	tdi(a	tdi(a	NOUN
fsr-3321	283	17	)	)	PUNCT
fsr-3321	283	18	.	.	PUNCT
fsr-3321	284	1	rather	rather	ADV
fsr-3321	284	2	,	,	PUNCT
fsr-3321	284	3	they	they	PRON
fsr-3321	284	4	may	may	AUX
fsr-3321	284	5	decide	decide	VERB
fsr-3321	284	6	to	to	PART
fsr-3321	284	7	choose	choose	VERB
fsr-3321	284	8	the	the	DET
fsr-3321	284	9	defined	define	VERB
fsr-3321	284	10	benefit	benefit	NOUN
fsr-3321	284	11	pension	pension	NOUN
fsr-3321	284	12	alternative	alternative	NOUN
fsr-3321	284	13	.	.	PUNCT
fsr-3321	285	1	253a	253a	NUM
fsr-3321	285	2	.	.	PUNCT
fsr-3321	286	1	anthony	anthony	PROPN
fsr-3321	286	2	et	et	PROPN
fsr-3321	286	3	al	al	PROPN
fsr-3321	286	4	.	.	PUNCT
fsr-3321	286	5	/	/	SYM
fsr-3321	286	6	financial	financial	ADJ
fsr-3321	286	7	services	service	NOUN
fsr-3321	286	8	review	review	VERB
fsr-3321	286	9	26	26	NUM
fsr-3321	286	10	(	(	PUNCT
fsr-3321	286	11	2017	2017	NUM
fsr-3321	286	12	)	)	PUNCT
fsr-3321	286	13	241–254	241–254	NUM
fsr-3321	286	14	given	give	VERB
fsr-3321	286	15	the	the	DET
fsr-3321	286	16	data	datum	NOUN
fsr-3321	286	17	availability	availability	NOUN
fsr-3321	286	18	,	,	PUNCT
fsr-3321	286	19	we	we	PRON
fsr-3321	286	20	expect	expect	VERB
fsr-3321	286	21	the	the	DET
fsr-3321	286	22	real	real	ADJ
fsr-3321	286	23	number	number	NOUN
fsr-3321	286	24	of	of	ADP
fsr-3321	286	25	tier	tier	NOUN
fsr-3321	286	26	iv	iv	NUM
fsr-3321	286	27	employees	employee	NOUN
fsr-3321	286	28	who	who	PRON
fsr-3321	286	29	do	do	AUX
fsr-3321	286	30	not	not	PART
fsr-3321	286	31	maximize	maximize	VERB
fsr-3321	286	32	their	their	PRON
fsr-3321	286	33	benefits	benefit	NOUN
fsr-3321	286	34	to	to	PART
fsr-3321	286	35	be	be	AUX
fsr-3321	286	36	lower	low	ADJ
fsr-3321	286	37	.	.	PUNCT
fsr-3321	287	1	references	reference	NOUN
fsr-3321	287	2	agnew	agnew	PROPN
fsr-3321	287	3	,	,	PUNCT
fsr-3321	287	4	j.	j.	PROPN
fsr-3321	287	5	(	(	PUNCT
fsr-3321	287	6	2006	2006	NUM
fsr-3321	287	7	)	)	PUNCT
fsr-3321	287	8	.	.	PUNCT
fsr-3321	288	1	do	do	AUX
fsr-3321	288	2	behavioral	behavioral	ADJ
fsr-3321	288	3	biases	bias	NOUN
fsr-3321	288	4	vary	vary	VERB
fsr-3321	288	5	across	across	ADP
fsr-3321	288	6	individuals	individual	NOUN
fsr-3321	288	7	?	?	PUNCT
fsr-3321	289	1	evidence	evidence	NOUN
fsr-3321	289	2	from	from	ADP
fsr-3321	289	3	individual	individual	ADJ
fsr-3321	289	4	level	level	NOUN
fsr-3321	289	5	401(k	401(k	PROPN
fsr-3321	289	6	)	)	PUNCT
fsr-3321	289	7	data	datum	NOUN
fsr-3321	289	8	.	.	PUNCT
fsr-3321	290	1	journal	journal	PROPN
fsr-3321	290	2	of	of	ADP
fsr-3321	290	3	financial	financial	ADJ
fsr-3321	290	4	and	and	CCONJ
fsr-3321	290	5	quantitative	quantitative	ADJ
fsr-3321	290	6	analysis	analysis	NOUN
fsr-3321	290	7	,	,	PUNCT
fsr-3321	290	8	41	41	NUM
fsr-3321	290	9	,	,	PUNCT
fsr-3321	290	10	939–962	939–962	NUM
fsr-3321	290	11	.	.	PUNCT
fsr-3321	291	1	agnew	agnew	PROPN
fsr-3321	291	2	,	,	PUNCT
fsr-3321	291	3	j.	j.	PROPN
fsr-3321	291	4	,	,	PUNCT
fsr-3321	291	5	andreson	andreson	PROPN
fsr-3321	291	6	,	,	PUNCT
fsr-3321	291	7	l.	l.	PROPN
fsr-3321	291	8	,	,	PUNCT
fsr-3321	291	9	gerlach	gerlach	PROPN
fsr-3321	291	10	,	,	PUNCT
fsr-3321	291	11	j.	j.	PROPN
fsr-3321	291	12	,	,	PUNCT
fsr-3321	291	13	&	&	CCONJ
fsr-3321	291	14	szykman	szykman	PROPN
fsr-3321	291	15	,	,	PUNCT
fsr-3321	291	16	l.	l.	PROPN
fsr-3321	291	17	(	(	PUNCT
fsr-3321	291	18	2008	2008	NUM
fsr-3321	291	19	)	)	PUNCT
fsr-3321	291	20	.	.	PUNCT
fsr-3321	292	1	why	why	SCONJ
fsr-3321	292	2	choose	choose	VERB
fsr-3321	292	3	annuities	annuity	NOUN
fsr-3321	292	4	?	?	PUNCT
fsr-3321	293	1	an	an	DET
fsr-3321	293	2	experimental	experimental	ADJ
fsr-3321	293	3	investigation	investigation	NOUN
fsr-3321	293	4	of	of	ADP
fsr-3321	293	5	the	the	DET
fsr-3321	293	6	role	role	NOUN
fsr-3321	293	7	of	of	ADP
fsr-3321	293	8	gender	gender	NOUN
fsr-3321	293	9	,	,	PUNCT
fsr-3321	293	10	faming	faming	NOUN
fsr-3321	293	11	and	and	CCONJ
fsr-3321	293	12	defaults	default	NOUN
fsr-3321	293	13	.	.	PUNCT
fsr-3321	294	1	the	the	DET
fsr-3321	294	2	american	american	PROPN
fsr-3321	294	3	economics	economics	PROPN
fsr-3321	294	4	review	review	PROPN
fsr-3321	294	5	,	,	PUNCT
fsr-3321	294	6	98	98	NUM
fsr-3321	294	7	,	,	PUNCT
fsr-3321	294	8	418–422	418–422	NUM
fsr-3321	294	9	.	.	PUNCT
fsr-3321	295	1	angus	angus	PROPN
fsr-3321	295	2	,	,	PUNCT
fsr-3321	295	3	j.	j.	PROPN
fsr-3321	295	4	,	,	PUNCT
fsr-3321	295	5	brown	brown	PROPN
fsr-3321	295	6	,	,	PUNCT
fsr-3321	295	7	w.	w.	PROPN
fsr-3321	295	8	,	,	PUNCT
fsr-3321	295	9	smith	smith	PROPN
fsr-3321	295	10	,	,	PUNCT
fsr-3321	295	11	k.	k.	PROPN
fsr-3321	295	12	,	,	PUNCT
fsr-3321	295	13	smith	smith	PROPN
fsr-3321	295	14	,	,	PUNCT
fsr-3321	295	15	j.	j.	PROPN
fsr-3321	295	16	(	(	PUNCT
fsr-3321	295	17	2008	2008	NUM
fsr-3321	295	18	)	)	PUNCT
fsr-3321	295	19	.	.	PUNCT
fsr-3321	296	1	what	what	PRON
fsr-3321	296	2	’s	’	VERB
fsr-3321	296	3	in	in	ADP
fsr-3321	296	4	your	your	PRON
fsr-3321	296	5	403(b	403(b	NOUN
fsr-3321	296	6	)	)	PUNCT
fsr-3321	296	7	?	?	PUNCT
fsr-3321	297	1	academic	academic	ADJ
fsr-3321	297	2	retirement	retirement	NOUN
fsr-3321	297	3	plans	plan	NOUN
fsr-3321	297	4	and	and	CCONJ
fsr-3321	297	5	the	the	DET
fsr-3321	297	6	costs	cost	NOUN
fsr-3321	297	7	of	of	ADP
fsr-3321	297	8	underdiversification	underdiversification	NOUN
fsr-3321	297	9	.	.	PUNCT
fsr-3321	298	1	financial	financial	ADJ
fsr-3321	298	2	management	management	NOUN
fsr-3321	298	3	,	,	PUNCT
fsr-3321	298	4	36	36	NUM
fsr-3321	298	5	,	,	PUNCT
fsr-3321	298	6	1–38	1–38	PROPN
fsr-3321	298	7	.	.	PUNCT
fsr-3321	298	8	benartzi	benartzi	PROPN
fsr-3321	298	9	,	,	PUNCT
fsr-3321	298	10	s.	s.	PROPN
fsr-3321	298	11	(	(	PUNCT
fsr-3321	298	12	2001	2001	NUM
fsr-3321	298	13	)	)	PUNCT
fsr-3321	298	14	.	.	PUNCT
fsr-3321	299	1	excessive	excessive	ADJ
fsr-3321	299	2	extrapolation	extrapolation	NOUN
fsr-3321	299	3	and	and	CCONJ
fsr-3321	299	4	the	the	DET
fsr-3321	299	5	allocation	allocation	NOUN
fsr-3321	299	6	of	of	ADP
fsr-3321	299	7	401(k	401(k	PROPN
fsr-3321	299	8	)	)	PUNCT
fsr-3321	299	9	accounts	account	NOUN
fsr-3321	299	10	to	to	ADP
fsr-3321	299	11	company	company	NOUN
fsr-3321	299	12	stock	stock	NOUN
fsr-3321	299	13	.	.	PUNCT
fsr-3321	300	1	the	the	DET
fsr-3321	300	2	journal	journal	PROPN
fsr-3321	300	3	of	of	ADP
fsr-3321	300	4	finance	finance	NOUN
fsr-3321	300	5	,	,	PUNCT
fsr-3321	300	6	56	56	NUM
fsr-3321	300	7	,	,	PUNCT
fsr-3321	300	8	1747–1764	1747–1764	NUM
fsr-3321	300	9	.	.	PUNCT
fsr-3321	301	1	benartzi	benartzi	PROPN
fsr-3321	301	2	,	,	PUNCT
fsr-3321	301	3	s.	s.	PROPN
fsr-3321	301	4	,	,	PUNCT
fsr-3321	301	5	&	&	CCONJ
fsr-3321	301	6	thaler	thaler	PROPN
fsr-3321	301	7	,	,	PUNCT
fsr-3321	301	8	r.	r.	PROPN
fsr-3321	301	9	(	(	PUNCT
fsr-3321	301	10	2001	2001	NUM
fsr-3321	301	11	)	)	PUNCT
fsr-3321	301	12	.	.	PUNCT
fsr-3321	302	1	naive	naive	ADJ
fsr-3321	302	2	diversification	diversification	NOUN
fsr-3321	302	3	strategies	strategy	NOUN
fsr-3321	302	4	in	in	ADP
fsr-3321	302	5	defined	define	VERB
fsr-3321	302	6	contribution	contribution	NOUN
fsr-3321	302	7	saving	save	VERB
fsr-3321	302	8	plans	plan	NOUN
fsr-3321	302	9	.	.	PUNCT
fsr-3321	303	1	the	the	DET
fsr-3321	303	2	american	american	PROPN
fsr-3321	303	3	economic	economic	PROPN
fsr-3321	303	4	review	review	PROPN
fsr-3321	303	5	,	,	PUNCT
fsr-3321	303	6	91	91	NUM
fsr-3321	303	7	,	,	PUNCT
fsr-3321	303	8	79–98	79–98	PROPN
fsr-3321	303	9	.	.	PUNCT
fsr-3321	303	10	beshears	beshear	NOUN
fsr-3321	303	11	,	,	PUNCT
fsr-3321	303	12	j.	j.	PROPN
fsr-3321	303	13	,	,	PUNCT
fsr-3321	303	14	choi	choi	PROPN
fsr-3321	303	15	,	,	PUNCT
fsr-3321	303	16	j.	j.	PROPN
fsr-3321	303	17	j.	j.	PROPN
fsr-3321	303	18	,	,	PUNCT
fsr-3321	303	19	laibson	laibson	PROPN
fsr-3321	303	20	,	,	PUNCT
fsr-3321	303	21	d.	d.	PROPN
fsr-3321	303	22	,	,	PUNCT
fsr-3321	303	23	madrian	madrian	PROPN
fsr-3321	303	24	,	,	PUNCT
fsr-3321	303	25	b.	b.	PROPN
fsr-3321	303	26	c.	c.	PROPN
fsr-3321	303	27	,	,	PUNCT
fsr-3321	303	28	&	&	CCONJ
fsr-3321	303	29	milkman	milkman	PROPN
fsr-3321	303	30	,	,	PUNCT
fsr-3321	303	31	k.	k.	PROPN
fsr-3321	303	32	l.	l.	PROPN
fsr-3321	303	33	(	(	PUNCT
fsr-3321	303	34	2015	2015	NUM
fsr-3321	303	35	)	)	PUNCT
fsr-3321	303	36	.	.	PUNCT
fsr-3321	304	1	the	the	DET
fsr-3321	304	2	effect	effect	NOUN
fsr-3321	304	3	of	of	ADP
fsr-3321	304	4	providing	provide	VERB
fsr-3321	304	5	peer	peer	NOUN
fsr-3321	304	6	information	information	NOUN
fsr-3321	304	7	on	on	ADP
fsr-3321	304	8	retirement	retirement	NOUN
fsr-3321	304	9	savings	saving	NOUN
fsr-3321	304	10	decisions	decision	NOUN
fsr-3321	304	11	.	.	PUNCT
fsr-3321	305	1	the	the	DET
fsr-3321	305	2	journal	journal	NOUN
fsr-3321	305	3	of	of	ADP
fsr-3321	305	4	finance	finance	NOUN
fsr-3321	305	5	,	,	PUNCT
fsr-3321	305	6	70	70	NUM
fsr-3321	305	7	,	,	PUNCT
fsr-3321	305	8	1161–1201	1161–1201	NUM
fsr-3321	305	9	.	.	PUNCT
fsr-3321	306	1	choi	choi	PROPN
fsr-3321	306	2	,	,	PUNCT
fsr-3321	306	3	j.	j.	PROPN
fsr-3321	306	4	j.	j.	PROPN
fsr-3321	306	5	,	,	PUNCT
fsr-3321	306	6	laibson	laibson	PROPN
fsr-3321	306	7	,	,	PUNCT
fsr-3321	306	8	d.	d.	PROPN
fsr-3321	306	9	,	,	PUNCT
fsr-3321	306	10	madrian	madrian	PROPN
fsr-3321	306	11	,	,	PUNCT
fsr-3321	306	12	b.	b.	PROPN
fsr-3321	306	13	c.	c.	PROPN
fsr-3321	306	14	,	,	PUNCT
fsr-3321	306	15	&	&	CCONJ
fsr-3321	306	16	metrick	metrick	ADJ
fsr-3321	306	17	,	,	PUNCT
fsr-3321	306	18	a.	a.	NOUN
fsr-3321	306	19	(	(	PUNCT
fsr-3321	306	20	2005	2005	NUM
fsr-3321	306	21	)	)	PUNCT
fsr-3321	306	22	.	.	PUNCT
fsr-3321	307	1	saving	save	VERB
fsr-3321	307	2	for	for	ADP
fsr-3321	307	3	retirement	retirement	NOUN
fsr-3321	307	4	on	on	ADP
fsr-3321	307	5	the	the	DET
fsr-3321	307	6	path	path	NOUN
fsr-3321	307	7	of	of	ADP
fsr-3321	307	8	least	least	ADJ
fsr-3321	307	9	resistance	resistance	NOUN
fsr-3321	307	10	.	.	PUNCT
fsr-3321	308	1	rodney	rodney	PROPN
fsr-3321	308	2	l	l	PROPN
fsr-3321	308	3	white	white	PROPN
fsr-3321	308	4	center	center	PROPN
fsr-3321	308	5	for	for	ADP
fsr-3321	308	6	financial	financial	ADJ
fsr-3321	308	7	research	research	NOUN
fsr-3321	308	8	–	–	PUNCT
fsr-3321	308	9	working	work	VERB
fsr-3321	308	10	paper	paper	NOUN
fsr-3321	308	11	9	9	NUM
fsr-3321	308	12	.	.	PUNCT
fsr-3321	309	1	deaves	deaf	NOUN
fsr-3321	309	2	,	,	PUNCT
fsr-3321	309	3	r.	r.	PROPN
fsr-3321	309	4	,	,	PUNCT
fsr-3321	309	5	veit	veit	PROPN
fsr-3321	309	6	,	,	PUNCT
fsr-3321	309	7	t.	t.	PROPN
fsr-3321	309	8	,	,	PUNCT
fsr-3321	309	9	bhandari	bhandari	PROPN
fsr-3321	309	10	,	,	PUNCT
fsr-3321	309	11	g.	g.	PROPN
fsr-3321	309	12	,	,	PUNCT
fsr-3321	309	13	&	&	CCONJ
fsr-3321	309	14	cheney	cheney	PROPN
fsr-3321	309	15	,	,	PUNCT
fsr-3321	309	16	j.	j.	PROPN
fsr-3321	309	17	(	(	PUNCT
fsr-3321	309	18	2007	2007	NUM
fsr-3321	309	19	)	)	PUNCT
fsr-3321	309	20	.	.	PUNCT
fsr-3321	310	1	the	the	DET
fsr-3321	310	2	savings	saving	NOUN
fsr-3321	310	3	and	and	CCONJ
fsr-3321	310	4	investment	investment	NOUN
fsr-3321	310	5	decision	decision	NOUN
fsr-3321	310	6	of	of	ADP
fsr-3321	310	7	planners	planner	NOUN
fsr-3321	310	8	:	:	PUNCT
fsr-3321	310	9	a	a	DET
fsr-3321	310	10	cross	cross	ADJ
fsr-3321	310	11	-	-	ADJ
fsr-3321	310	12	sectional	sectional	ADJ
fsr-3321	310	13	study	study	NOUN
fsr-3321	310	14	of	of	ADP
fsr-3321	310	15	college	college	NOUN
fsr-3321	310	16	employees	employee	NOUN
fsr-3321	310	17	.	.	PUNCT
fsr-3321	311	1	financial	financial	ADJ
fsr-3321	311	2	services	service	NOUN
fsr-3321	311	3	review	review	PROPN
fsr-3321	311	4	,	,	PUNCT
fsr-3321	311	5	16	16	NUM
fsr-3321	311	6	,	,	PUNCT
fsr-3321	311	7	117–133	117–133	NUM
fsr-3321	311	8	.	.	PUNCT
fsr-3321	312	1	duflo	duflo	PROPN
fsr-3321	312	2	,	,	PUNCT
fsr-3321	312	3	e.	e.	PROPN
fsr-3321	312	4	,	,	PUNCT
fsr-3321	312	5	&	&	CCONJ
fsr-3321	312	6	saez	saez	PROPN
fsr-3321	312	7	,	,	PUNCT
fsr-3321	312	8	e.	e.	PROPN
fsr-3321	312	9	(	(	PUNCT
fsr-3321	312	10	2002	2002	NUM
fsr-3321	312	11	)	)	PUNCT
fsr-3321	312	12	.	.	PUNCT
fsr-3321	313	1	participation	participation	NOUN
fsr-3321	313	2	and	and	CCONJ
fsr-3321	313	3	investment	investment	NOUN
fsr-3321	313	4	decisions	decision	NOUN
fsr-3321	313	5	in	in	ADP
fsr-3321	313	6	a	a	DET
fsr-3321	313	7	retirement	retirement	NOUN
fsr-3321	313	8	plan	plan	NOUN
fsr-3321	313	9	:	:	PUNCT
fsr-3321	313	10	the	the	DET
fsr-3321	313	11	influence	influence	NOUN
fsr-3321	313	12	of	of	ADP
fsr-3321	313	13	colleagues	colleague	NOUN
fsr-3321	313	14	’	'	PUNCT
fsr-3321	313	15	choices	choice	NOUN
fsr-3321	313	16	.	.	PUNCT
fsr-3321	314	1	journal	journal	NOUN
fsr-3321	314	2	of	of	ADP
fsr-3321	314	3	public	public	ADJ
fsr-3321	314	4	economics	economic	NOUN
fsr-3321	314	5	,	,	PUNCT
fsr-3321	314	6	85	85	NUM
fsr-3321	314	7	,	,	PUNCT
fsr-3321	314	8	121–148	121–148	NUM
fsr-3321	314	9	.	.	PUNCT
fsr-3321	315	1	joo	joo	PROPN
fsr-3321	315	2	,	,	PUNCT
fsr-3321	315	3	s.	s.	PROPN
fsr-3321	315	4	,	,	PUNCT
fsr-3321	315	5	&	&	CCONJ
fsr-3321	315	6	grable	grable	PROPN
fsr-3321	315	7	,	,	PUNCT
fsr-3321	315	8	j.	j.	PROPN
fsr-3321	315	9	(	(	PUNCT
fsr-3321	315	10	2005	2005	NUM
fsr-3321	315	11	)	)	PUNCT
fsr-3321	315	12	.	.	PUNCT
fsr-3321	316	1	employee	employee	NOUN
fsr-3321	316	2	education	education	NOUN
fsr-3321	316	3	and	and	CCONJ
fsr-3321	316	4	the	the	DET
fsr-3321	316	5	likelihood	likelihood	NOUN
fsr-3321	316	6	of	of	ADP
fsr-3321	316	7	having	have	VERB
fsr-3321	316	8	a	a	DET
fsr-3321	316	9	retirement	retirement	NOUN
fsr-3321	316	10	savings	saving	NOUN
fsr-3321	316	11	program	program	NOUN
fsr-3321	316	12	.	.	PUNCT
fsr-3321	317	1	journal	journal	PROPN
fsr-3321	317	2	of	of	ADP
fsr-3321	317	3	financial	financial	ADJ
fsr-3321	317	4	counseling	counseling	NOUN
fsr-3321	317	5	and	and	CCONJ
fsr-3321	317	6	planning	planning	NOUN
fsr-3321	317	7	,	,	PUNCT
fsr-3321	317	8	16	16	NUM
fsr-3321	317	9	,	,	PUNCT
fsr-3321	317	10	37–49	37–49	NUM
fsr-3321	317	11	.	.	PUNCT
fsr-3321	318	1	kim	kim	PROPN
fsr-3321	318	2	,	,	PUNCT
fsr-3321	318	3	k.	k.	PROPN
fsr-3321	318	4	t.	t.	PROPN
fsr-3321	318	5	,	,	PUNCT
fsr-3321	318	6	&	&	CCONJ
fsr-3321	318	7	hanna	hanna	PROPN
fsr-3321	318	8	,	,	PUNCT
fsr-3321	318	9	s.	s.	PROPN
fsr-3321	318	10	d.	d.	PROPN
fsr-3321	318	11	(	(	PUNCT
fsr-3321	318	12	2015	2015	NUM
fsr-3321	318	13	)	)	PUNCT
fsr-3321	318	14	.	.	PUNCT
fsr-3321	319	1	do	do	AUX
fsr-3321	319	2	us	us	PROPN
fsr-3321	319	3	households	household	NOUN
fsr-3321	319	4	perceive	perceive	VERB
fsr-3321	319	5	their	their	PRON
fsr-3321	319	6	retirement	retirement	NOUN
fsr-3321	319	7	preparedness	preparedness	NOUN
fsr-3321	319	8	realistically	realistically	ADV
fsr-3321	319	9	?	?	PUNCT
fsr-3321	320	1	financial	financial	ADJ
fsr-3321	320	2	services	service	NOUN
fsr-3321	320	3	review	review	NOUN
fsr-3321	320	4	,	,	PUNCT
fsr-3321	320	5	24	24	NUM
fsr-3321	320	6	,	,	PUNCT
fsr-3321	320	7	139–155	139–155	NUM
fsr-3321	320	8	.	.	PUNCT
fsr-3321	320	9	lopes	lopes	PROPN
fsr-3321	320	10	,	,	PUNCT
fsr-3321	320	11	l.	l.	PROPN
fsr-3321	320	12	l.	l.	PROPN
fsr-3321	320	13	(	(	PUNCT
fsr-3321	320	14	1987	1987	NUM
fsr-3321	320	15	)	)	PUNCT
fsr-3321	320	16	.	.	PUNCT
fsr-3321	321	1	between	between	ADP
fsr-3321	321	2	hope	hope	NOUN
fsr-3321	321	3	and	and	CCONJ
fsr-3321	321	4	fear	fear	NOUN
fsr-3321	321	5	:	:	PUNCT
fsr-3321	321	6	the	the	DET
fsr-3321	321	7	psychology	psychology	NOUN
fsr-3321	321	8	of	of	ADP
fsr-3321	321	9	risk	risk	NOUN
fsr-3321	321	10	,	,	PUNCT
fsr-3321	321	11	advances	advance	NOUN
fsr-3321	321	12	in	in	ADP
fsr-3321	321	13	experimental	experimental	ADJ
fsr-3321	321	14	social	social	ADJ
fsr-3321	321	15	psychology	psychology	NOUN
fsr-3321	321	16	,	,	PUNCT
fsr-3321	321	17	20	20	NUM
fsr-3321	321	18	,	,	PUNCT
fsr-3321	321	19	255–295	255–295	NUM
fsr-3321	321	20	.	.	PUNCT
fsr-3321	322	1	madrian	madrian	PROPN
fsr-3321	322	2	,	,	PUNCT
fsr-3321	322	3	b.	b.	PROPN
fsr-3321	322	4	,	,	PUNCT
fsr-3321	322	5	&	&	CCONJ
fsr-3321	322	6	shea	shea	PROPN
fsr-3321	322	7	,	,	PUNCT
fsr-3321	322	8	d.	d.	PROPN
fsr-3321	322	9	(	(	PUNCT
fsr-3321	322	10	2001	2001	NUM
fsr-3321	322	11	)	)	PUNCT
fsr-3321	322	12	.	.	PUNCT
fsr-3321	323	1	the	the	DET
fsr-3321	323	2	power	power	NOUN
fsr-3321	323	3	of	of	ADP
fsr-3321	323	4	suggestion	suggestion	NOUN
fsr-3321	323	5	:	:	PUNCT
fsr-3321	323	6	inertia	inertia	NOUN
fsr-3321	323	7	in	in	ADP
fsr-3321	323	8	401(k	401(k	NOUN
fsr-3321	323	9	)	)	PUNCT
fsr-3321	323	10	participation	participation	NOUN
fsr-3321	323	11	and	and	CCONJ
fsr-3321	323	12	savings	saving	NOUN
fsr-3321	323	13	behavior	behavior	NOUN
fsr-3321	323	14	.	.	PUNCT
fsr-3321	324	1	the	the	DET
fsr-3321	324	2	quarterly	quarterly	ADJ
fsr-3321	324	3	journal	journal	NOUN
fsr-3321	324	4	of	of	ADP
fsr-3321	324	5	economics	economic	NOUN
fsr-3321	324	6	,	,	PUNCT
fsr-3321	324	7	116	116	NUM
fsr-3321	324	8	,	,	PUNCT
fsr-3321	324	9	1149–1187	1149–1187	NUM
fsr-3321	324	10	.	.	PUNCT
fsr-3321	325	1	mitchell	mitchell	PROPN
fsr-3321	325	2	,	,	PUNCT
fsr-3321	325	3	o.	o.	PROPN
fsr-3321	325	4	s.	s.	PROPN
fsr-3321	325	5	,	,	PUNCT
fsr-3321	325	6	&	&	CCONJ
fsr-3321	325	7	utkus	utkus	PROPN
fsr-3321	325	8	,	,	PUNCT
fsr-3321	325	9	s.	s.	PROPN
fsr-3321	325	10	p.	p.	PROPN
fsr-3321	325	11	(	(	PUNCT
fsr-3321	325	12	2003	2003	NUM
fsr-3321	325	13	)	)	PUNCT
fsr-3321	325	14	.	.	PUNCT
fsr-3321	326	1	lessons	lesson	NOUN
fsr-3321	326	2	from	from	ADP
fsr-3321	326	3	behavioral	behavioral	ADJ
fsr-3321	326	4	finance	finance	NOUN
fsr-3321	326	5	for	for	ADP
fsr-3321	326	6	retirement	retirement	NOUN
fsr-3321	326	7	plan	plan	NOUN
fsr-3321	326	8	design	design	NOUN
fsr-3321	326	9	.	.	PUNCT
fsr-3321	327	1	prc	prc	PROPN
fsr-3321	327	2	working	working	PROPN
fsr-3321	327	3	paper	paper	NOUN
fsr-3321	327	4	no	no	INTJ
fsr-3321	327	5	.	.	PUNCT
fsr-3321	328	1	2003–6	2003–6	NUM
fsr-3321	328	2	.	.	PUNCT
fsr-3321	328	3	starr	starr	PROPN
fsr-3321	328	4	,	,	PUNCT
fsr-3321	328	5	b.	b.	PROPN
fsr-3321	328	6	(	(	PUNCT
fsr-3321	328	7	2010	2010	NUM
fsr-3321	328	8	)	)	PUNCT
fsr-3321	328	9	.	.	PUNCT
fsr-3321	329	1	willingness	willingness	NOUN
fsr-3321	329	2	to	to	PART
fsr-3321	329	3	pay	pay	VERB
fsr-3321	329	4	:	:	PUNCT
fsr-3321	329	5	understanding	understand	VERB
fsr-3321	329	6	403(b	403(b	PROPN
fsr-3321	329	7	)	)	PUNCT
fsr-3321	329	8	fees	fee	NOUN
fsr-3321	329	9	.	.	PUNCT
fsr-3321	330	1	financial	financial	ADJ
fsr-3321	330	2	services	service	NOUN
fsr-3321	330	3	review	review	PROPN
fsr-3321	330	4	,	,	PUNCT
fsr-3321	330	5	19	19	NUM
fsr-3321	330	6	,	,	PUNCT
fsr-3321	330	7	129–144	129–144	NUM
fsr-3321	330	8	.	.	PUNCT
fsr-3321	331	1	thaler	thaler	PROPN
fsr-3321	331	2	,	,	PUNCT
fsr-3321	331	3	r.	r.	PROPN
fsr-3321	331	4	,	,	PUNCT
fsr-3321	331	5	&	&	CCONJ
fsr-3321	331	6	johnson	johnson	PROPN
fsr-3321	331	7	,	,	PUNCT
fsr-3321	331	8	e.	e.	PROPN
fsr-3321	331	9	(	(	PUNCT
fsr-3321	331	10	1990	1990	NUM
fsr-3321	331	11	)	)	PUNCT
fsr-3321	331	12	.	.	PUNCT
fsr-3321	332	1	gambling	gamble	VERB
fsr-3321	332	2	with	with	ADP
fsr-3321	332	3	the	the	DET
fsr-3321	332	4	house	house	NOUN
fsr-3321	332	5	money	money	NOUN
fsr-3321	332	6	and	and	CCONJ
fsr-3321	332	7	trying	try	VERB
fsr-3321	332	8	to	to	PART
fsr-3321	332	9	break	break	VERB
fsr-3321	332	10	even	even	ADV
fsr-3321	332	11	:	:	PUNCT
fsr-3321	332	12	the	the	DET
fsr-3321	332	13	effects	effect	NOUN
fsr-3321	332	14	of	of	ADP
fsr-3321	332	15	prior	prior	ADJ
fsr-3321	332	16	outcomes	outcome	NOUN
fsr-3321	332	17	on	on	ADP
fsr-3321	332	18	risky	risky	ADJ
fsr-3321	332	19	choice	choice	NOUN
fsr-3321	332	20	.	.	PUNCT
fsr-3321	333	1	management	management	NOUN
fsr-3321	333	2	science	science	NOUN
fsr-3321	333	3	,	,	PUNCT
fsr-3321	333	4	36	36	NUM
fsr-3321	333	5	,	,	PUNCT
fsr-3321	333	6	643–660	643–660	NUM
fsr-3321	333	7	.	.	PUNCT
fsr-3321	333	8	254	254	NUM
fsr-3321	333	9	a.	a.	NOUN
fsr-3321	333	10	anthony	anthony	PROPN
fsr-3321	333	11	et	et	PROPN
fsr-3321	333	12	al	al	PROPN
fsr-3321	333	13	.	.	PUNCT
fsr-3321	333	14	/	/	SYM
fsr-3321	333	15	financial	financial	ADJ
fsr-3321	333	16	services	service	NOUN
fsr-3321	333	17	review	review	VERB
fsr-3321	333	18	26	26	NUM
fsr-3321	333	19	(	(	PUNCT
fsr-3321	333	20	2017	2017	NUM
fsr-3321	333	21	)	)	PUNCT
fsr-3321	333	22	241–254	241–254	NUM