Supplemental Plan Offerings and Retirement Saving Choices: An Analysis of North Carolina School Districts

Robert L. Clark, Emma Hanson, Melinda Sandler Morrill, Aditi Pathak

NBER Working Paper No. 21382
Issued in July 2015

---- Acknowledgments ----

This paper was prepared for the NBER Conference on Retirement and Health Benefits in the Public Sector, April 10-11, 2015, and the authors are grateful for comments from Brigitte Madrian and other conference participants. The authors thank Bryan Allard for excellent research assistance and Robert Hammond and Thayer Morrill for helpful comments and suggestions. The authors gratefully acknowledge the assistance of North Carolina State Treasurer Janet Cowell as well as Steve Toole, Mary Buonfiglio, and Sam Watts of the North Carolina Retirement Systems in obtaining the payroll data and administering the survey used in this study. The authors also gratefully acknowledge Adam Hooks at Education Management Systems and Mark Gooch of K12 Financial for modifying the school district payroll software to allow districts to provide payroll data. The TIAA CREF Institute provided funding for this research. The views expressed herein are those of the authors and do not necessarily reflect the views of the National Bureau of Economic Research.

---- Disclosure of Financial Relationships for Emma Hanson ----

Emma Hanson is employed by the Retirement Systems Division of the North Carolina Department of State Treasurer. The Retirement Systems Division administers the statutory retirement and benefit plans that cover North Carolina school district employees.

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