Defined contribution (DC) retirement plans are a common employee benefit in the United States,with 63% of all American workers having access to such plans in 2023. These plans may beoffered by both private and public sector employers, receive favorable tax treatment, are subjectto provisions specified in the Internal Revenue Code (IRC), and in the case of private sector plansare governed by the Employee Retirement Income Security Act of 1974 (ERISA; P.L. 93-406).Employees may have the op
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