TY - JOUR AU - Clark, Robert L AU - Hanson, Emma AU - Morrill, Melinda Sandler AU - Pathak, Aditi TI - Supplemental Plan Offerings and Retirement Saving Choices: An Analysis of North Carolina School Districts JF - National Bureau of Economic Research Working Paper Series VL - No. 21382 PY - 2015 Y2 - July 2015 DO - 10.3386/w21382 UR - http://www.nber.org/papers/w21382 L1 - http://www.nber.org/papers/w21382.pdf N1 - Author contact info: Robert L. Clark Poole College of Management Box 7229 North Carolina State University Raleigh, NC 27695 Tel: 919/515-4568 Fax: 919/515-6943 E-Mail: robert_clark@ncsu.edu Emma Hanson North Carolina Emergency Management 4218 Mail Service Center Raleigh, NC 27699 Tel: 919-825-2297 E-Mail: emma.hanson@ncdps.gov Melinda S. Morrill Department of Economics North Carolina State University Campus Box 8110 Raleigh, NC 27695-8110 E-Mail: melinda_morrill@ncsu.edu Aditi Pathak American Institutes for Research E-Mail: aspathak@ncsu.edu M1 - published as Robert L. Clark, Emma Hanson, Melinda S. Morrill, Aditi Pathak. "Supplemental Plan Offerings and Retirement Saving Choices: An Analysis of North Carolina School Districts," in Robert L. Clark and Joseph P. Newhouse, organizers, "The Impact of Reforms of State Retirement Plans" Journal of Pension Economics and Finance, Vol. 15, issue 3 (Cambridge University Press) (2016) AB - Unlike private sector employers, public school districts generally offer more than one type of supplemental retirement savings plan and allow multiple vendors to offer products. Using individual-level payroll data from over half of the public school districts in North Carolina coupled with data from an employer survey, this study examines the impact of inter-district differences in supplemental plan administration on participation in these savings vehicles. We find wide variation in total participation rates and in 403(b) plan participation rates in particular, even among this population of public-sector workers with the same defined benefit pension plan, health plan, and retiree health coverage. Individual and district characteristics explain some, but not all, of the variation observed. ER -