{"id":"https://openalex.org/W2105715529","doi":null,"title":"The Impact of a Roth Option on Outcomes in Employer-Sponsored Savings Plans","display_name":"The Impact of a Roth Option on Outcomes in Employer-Sponsored Savings Plans","publication_year":2012,"publication_date":"2012-09-01","ids":{"openalex":"https://openalex.org/W2105715529","mag":"2105715529"},"language":"en","primary_location":{"id":"pmh:oai:CiteSeerX.psu:10.1.1.386.7558","doi":null,"is_oa":false,"landing_page_url":"http://citeseerx.ist.psu.edu/viewdoc/summary?doi=10.1.1.386.7558","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"http://www.nber.org/aging/rrc/papers/orrc12-06.pdf","raw_type":"text"},"volume":null,"type":"article","indexed_in":[],"open_access":{"is_oa":false,"oa_status":"closed","oa_url":null,"any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5084393981","display_name":"John Leonard Beshears","orcid":"https://orcid.org/0000-0002-3808-6423","observed_orcids":["https://orcid.org/0000-0002-3808-6423"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"John Beshears","raw_affiliation_strings":[],"raw_orcid":"https://orcid.org/0000-0002-3808-6423","affiliations":[]},{"author_position":"middle","author":{"id":"https://openalex.org/A5102947185","display_name":"James J. Choi","orcid":"https://orcid.org/0000-0003-3517-6885","observed_orcids":["https://orcid.org/0000-0003-3517-6885"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"James J. Choi","raw_affiliation_strings":[],"raw_orcid":"https://orcid.org/0000-0003-3517-6885","affiliations":[]},{"author_position":"middle","author":{"id":"https://openalex.org/A5058269956","display_name":"David Laibson","orcid":"https://orcid.org/0000-0003-4556-8508","observed_orcids":["https://orcid.org/0000-0003-4556-8508"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"David Laibson","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]},{"author_position":"last","author":{"id":"https://openalex.org/A5071283924","display_name":"Brigitte C. Madrian","orcid":"https://orcid.org/0000-0002-4820-4462","observed_orcids":["https://orcid.org/0000-0002-4820-4462"]},"institutions":[],"countries":[],"is_corresponding":false,"raw_author_name":"Brigitte C. Madrian","raw_affiliation_strings":[],"raw_orcid":"https://orcid.org/0000-0002-4820-4462","affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":[],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":1.238,"has_fulltext":false,"cited_by_count":1,"citation_normalized_percentile":{"value":0.89074342,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":{"min":89,"max":94},"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":1.0,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":1.0,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10315","display_name":"Decision-Making and Behavioral Economics","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/1800","display_name":"General Decision Sciences"},"field":{"id":"https://openalex.org/fields/18","display_name":"Decision Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11631","display_name":"Retirement, Disability, and Employment","score":0.0,"subfield":{"id":"https://openalex.org/subfields/3317","display_name":"Demography"},"field":{"id":"https://openalex.org/fields/33","display_name":"Social Sciences"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/401-k-plans","display_name":"401(k) plans","score":0.9089999794960022},{"id":"https://openalex.org/keywords/retirement-savings","display_name":"retirement savings","score":0.42100000381469727},{"id":"https://openalex.org/keywords/contribution-rate","display_name":"contribution rate","score":0.796999990940094},{"id":"https://openalex.org/keywords/employer-matching-contributions","display_name":"employer matching contributions","score":0.7319999933242798},{"id":"https://openalex.org/keywords/employee-participation","display_name":"employee participation","score":0.39500001072883606},{"id":"https://openalex.org/keywords/low-wage-workers","display_name":"low-wage workers","score":0.6150000095367432},{"id":"https://openalex.org/keywords/young-workers","display_name":"young workers","score":0.5199999809265137}],"concepts":[{"id":"https://openalex.org/C30772137","wikidata":"https://www.wikidata.org/wiki/Q5164762","display_name":"Consumption (sociology)","level":2,"score":0.5885618925094604},{"id":"https://openalex.org/C2776505523","wikidata":"https://www.wikidata.org/wiki/Q4785468","display_name":"Plan (archaeology)","level":2,"score":0.5349840521812439},{"id":"https://openalex.org/C165064840","wikidata":"https://www.wikidata.org/wiki/Q1321061","display_name":"Matching (statistics)","level":2,"score":0.49810791015625},{"id":"https://openalex.org/C162118730","wikidata":"https://www.wikidata.org/wiki/Q1128453","display_name":"Actuarial science","level":1,"score":0.4980745315551758},{"id":"https://openalex.org/C162324750","wikidata":"https://www.wikidata.org/wiki/Q8134","display_name":"Economics","level":0,"score":0.4942934513092041},{"id":"https://openalex.org/C145236788","wikidata":"https://www.wikidata.org/wiki/Q28161","display_name":"Labour economics","level":1,"score":0.43052002787590027},{"id":"https://openalex.org/C144133560","wikidata":"https://www.wikidata.org/wiki/Q4830453","display_name":"Business","level":0,"score":0.4029316306114197},{"id":"https://openalex.org/C100001284","wikidata":"https://www.wikidata.org/wiki/Q2248246","display_name":"Public economics","level":1,"score":0.3923407196998596},{"id":"https://openalex.org/C144024400","wikidata":"https://www.wikidata.org/wiki/Q21201","display_name":"Sociology","level":0,"score":0.0626007616519928},{"id":"https://openalex.org/C36289849","wikidata":"https://www.wikidata.org/wiki/Q34749","display_name":"Social science","level":1,"score":0.0},{"id":"https://openalex.org/C166957645","wikidata":"https://www.wikidata.org/wiki/Q23498","display_name":"Archaeology","level":1,"score":0.0},{"id":"https://openalex.org/C105795698","wikidata":"https://www.wikidata.org/wiki/Q12483","display_name":"Statistics","level":1,"score":0.0},{"id":"https://openalex.org/C95457728","wikidata":"https://www.wikidata.org/wiki/Q309","display_name":"History","level":0,"score":0.0},{"id":"https://openalex.org/C33923547","wikidata":"https://www.wikidata.org/wiki/Q395","display_name":"Mathematics","level":0,"score":0.0}],"mesh":[],"locations_count":2,"locations":[{"id":"pmh:oai:CiteSeerX.psu:10.1.1.386.7558","doi":null,"is_oa":false,"landing_page_url":"http://citeseerx.ist.psu.edu/viewdoc/summary?doi=10.1.1.386.7558","pdf_url":null,"source":null,"license":null,"license_id":null,"version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"http://www.nber.org/aging/rrc/papers/orrc12-06.pdf","raw_type":"text"},{"id":"mag:2105715529","doi":null,"is_oa":false,"landing_page_url":"https://www.nber.org/aging/rrc/papers/orrc12-06","pdf_url":null,"source":null,"license":null,"license_id":null,"version":null,"is_accepted":false,"is_published":false,"raw_source_name":null,"raw_type":null}],"best_oa_location":null,"sustainable_development_goals":[{"score":0.5263000130653381,"id":"https://metadata.un.org/sdg/8","display_name":"Decent work and economic growth"}],"study_designs":[{"id":"https://openalex.org/study-designs/observational-study","display_name":"Observational Study"}],"awards":[],"funders":[],"has_content":{"pdf":false,"grobid_xml":false},"content_urls":null,"referenced_works_count":4,"referenced_works":["https://openalex.org/W2134235713","https://openalex.org/W2890027417","https://openalex.org/W3122535557","https://openalex.org/W3124174062"],"related_works":["https://openalex.org/W7099063580","https://openalex.org/W4256043419","https://openalex.org/W1493643655","https://openalex.org/W1557749080","https://openalex.org/W7097261789","https://openalex.org/W3121623669","https://openalex.org/W2102938967","https://openalex.org/W7096518145","https://openalex.org/W2083095123","https://openalex.org/W1536884752"],"abstract_inverted_index":{"Abstract:":[0],"We":[1,31],"estimate":[2],"the":[3,47,67,76,81],"effect":[4],"of":[5,49,69],"introducing":[6],"a":[7,24,41],"Roth":[8,25,42,93],"option":[9,26],"to":[10],"an":[11],"employer-sponsored":[12],"savings":[13],"plan":[14,17,91],"using":[15],"administrative":[16],"data":[18],"from":[19],"nine":[20],"companies":[21],"that":[22,46,64,83],"added":[23],"between":[27],"2006":[28],"and":[29],"2008.":[30],"find":[32],"mixed":[33],"evidence":[34,63],"on":[35,90],"whether":[36],"contribution":[37],"rates":[38],"fall":[39],"after":[40],"introduction,":[43],"which":[44],"means":[45],"amount":[48],"after-tax":[50],"retirement":[51],"consumption":[52],"being":[53],"purchased":[54],"by":[55],"401(k)":[56],"contributions":[57,85],"may":[58],"increase.":[59],"There":[60],"is":[61,95],"suggestive":[62],"when":[65],"choosing":[66],"composition":[68],"their":[70],"own":[71],"contributions,":[72],"employees":[73],"contributing":[74],"above":[75],"employer":[77],"match":[78],"threshold":[79],"ignore":[80],"fact":[82],"matching":[84],"are":[86],"entirely":[87],"before-tax.":[88],"Conditional":[89],"participation,":[92],"participation":[94],"highest":[96],"among":[97],"young,":[98],"low-income":[99],"employees.":[100]},"counts_by_year":[{"year":2012,"cited_by_count":1}],"updated_date":"2026-10-10T09:11:00.788812","created_date":"2016-06-24T00:00:00"}
