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PGIM DC Solutions Background
Press Release

PGIM surveys plan sponsors, assesses DC landscape and perspectives on optimizing retirement outcomesPGIMsurveysplansponsors,assessesDClandscapeandperspectivesonoptimizingretirementoutcomes

Da PGIM Global Communications — 12 feb 2025

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NEWARK, N.J., Feb. 12, 2025 – PGIM DC Solutions, the retirement solutions provider of PGIM, announces the results of its Defined Contribution (DC) Landscape Survey, illuminating varying perspectives and trends across retirement plan decision-maker communities.

PGIM’s research, conducted in partnership with Greenwald Associates, is based on a survey of 302 retirement plan decision-makers.

“Employers and plan sponsors have shown a clear interest in providing better retirement outcomes for employees,” said Michael Miller, managing director and head of PGIM DC Solutions. “As the industry evolves, enhanced income solutions, plan design, advice, education and communication will all play pivotal roles in improving the retirement experience for American workers.”

The survey results have been organized into a four-part series, with analysis and commentary led by David Blanchett, head of retirement research at PGIM DC Solutions.

Media Contact

Leah Pappas

973-856-5709

leah.pappas@pgim.com

Michael Miller
"As the industry evolves, enhanced income solutions, plan design, advice, education and communication will all play pivotal roles in improving the retirement experience for American workers."
Michael MillerManaging Director and Head, DC SolutionsPGIM

Key focus areas and findings include:

  • Personalized solutions can improve retirement outcomes. Survey results indicate significant interest in personalized solutions, with 88% of plan sponsors surveyed believing personalized advice and guidance will improve retirement outcomes. Interest in managed accounts, especially when used as the default investment, increases significantly at lower price points. For example, 63% of plans are interested at 10 or less basis points, which is significantly less than price points today which tend to equal or exceed 25 basis points.
  • Quality investments make a meaningful impact. Overall satisfaction with plan investments is relatively high in areas such as asset class diversification (93%), performance (91%) and cost (85%). DC plan decision-makers were also relatively satisfied with target-date funds (TDFs) and have relatively high conviction in certain exposures, including active fixed income, high-yield bonds and alternative assets such as real estate and commodities. However, concerns exist with respect to the glide path, volatility and lawsuit vulnerability.
  • Tools and education will be key to retirement success. Survey results reveal 81% of respondents agree a key component to achieving retirement success entails retirees having access to tools and education to help navigate investing, spending and Social Security decisions. However, only 48% of plans offer tools to help retirees determine prudent spending levels and only 20% of plans offer Social Security claiming tools.
  • There is room to improve retirement outcomes for plan participants. While it is clear plan sponsors believe DC plans offer competitive advantages and help retain top talent, 64% of respondents believe plans need to be more innovative. Plan communications are the most widely noted area for potential plan enhancements, with 85% of respondents having noted customized communications can lead to better retirement outcomes. Artificial intelligence (AI) could be leveraged to simplify personalized communications, though relatively few plans note using AI today.
"While the industry progress is promising, our survey results suggest more can be done to optimize retirement for DC participants, though cost limitations persist."

“DC plans continue to improve to help participants get not just to, but through retirement,” noted Blanchett. “While the industry progress is promising, our survey results suggest more can be done to optimize retirement for DC participants, though cost limitations persist.”

More detailed findings from the survey and accompanying four-part series and analysis can be found here.

ABOUT THE SURVEY

The research was conducted in partnership with Greenwald Associates. Online surveys were completed by 302 retirement plan decision-makers in September and October of 2024. Respondents included decision-makers for DC plans with at least $10 million in plan assets. Larger plans were oversampled, with 152 respondents being decision-makers in plans with at least $100 million in assets. Findings were weighted by plan asset size, using data from a BrightScope/ICI 2021 report.

ABOUT PGIM DC SOLUTIONS

As the retirement solutions provider of PGIM, PGIM DC Solutions seeks to deliver innovative defined contribution solutions founded on market-leading research and capabilities. Our highly experienced team partners with clients on customized solutions to solve for retirement income. As of Sept. 30, 2024, PGIM had $177 billion in DC assets under management and PGIM DC Solutions’ AUM was $1.3 billion.1

ABOUT PGIM

PGIM is the global asset management business of Prudential Financial, Inc. (NYSE: PRU). In 42 offices across 19 countries, our more than 1,400 investment professionals serve both retail and institutional clients around the world.

As a leading global asset manager with $1.4 trillion in assets under management,2 PGIM is built on a foundation of strength, stability, and disciplined risk management. Our multi-affiliate model allows us to deliver specialized expertise across key asset classes with a focused investment approach. This gives our clients a diversified suite of investment strategies and solutions with global depth and scale across public and private asset classes, including fixed income, equities, real estate, private credit, and other alternatives. For more information, visit pgim.com.

1 Reported data reflect the assets under management by PGIM and its investment adviser affiliates for defined contribution investment purposes only.

2 As of Sept. 30, 2024.

PGIM DC Solutions LLC (“PGIM DC Solutions) is an SEC-registered investment adviser, a Delaware limited liability company, and an affiliate of PGIM, Inc. (“PGIM”), the principal asset management business of Prudential Financial, Inc. (“PFI”) of the United States of America. PFI of the United States is not affiliated in any manner with Prudential plc, incorporated in the United Kingdom, or with Prudential Assurance Company, a subsidiary of M&G plc, incorporated in the United Kingdom. Registration with the SEC does not imply a certain level of skill or training.

Receipt of these materials by anyone other than the intended recipient does not establish a relationship between such person and PGIM DC Solutions LLC (“PGIM DC Solutions”) or any of its affiliates. These materials are not intended as an offer or solicitation with respect to the purchase or sale of any security. The information presented is not intended as investment advice and is not a recommendation about managing or investing retirement savings. These materials do not take into account individual investment objectives or financial situations.

These materials represent the views, opinions and recommendations of the author(s) regarding the economic conditions, asset classes, securities, issuers, or financial instruments referenced herein. Any reproduction of this document, in whole or in part, or the disclosure of any of its contents, without PGIM’s prior written consent, is prohibited. This document contains the current opinions of the manager, and such opinions are subject to change. Certain information in this document has been obtained from sources that PGIM believes to be reliable as of the date presented; however, PGIM cannot guarantee the accuracy of such information, assure its completeness, or warrant such information will not be changed. PGIM has no obligation to update any or all such information; nor do we make any express or implied warranties or representations as to its completeness or accuracy. Any information presented regarding the affiliates of PGIM is presented purely to facilitate an organizational overview and is not a solicitation on behalf of any affiliate. These materials are not intended as an offer or solicitation with respect to the purchase or sale of any security or other financial instrument or any investment management services. These materials do not constitute investment advice and should not be used as the basis for any investment decision. Past performance is not a guarantee or a reliable indicator of future results.

These materials are for informational or educational purposes. In providing these materials, PGIM is not acting as your fiduciary and is not giving advice in a fiduciary capacity. The information contained herein is provided on the basis of and subject to the explanations, caveats and warnings set out in this notice and elsewhere herein. Any discussion of risk management is intended to describe PGIM’s efforts to monitor and manage risk but does not imply low risk. No investment strategy or risk management technique can guarantee returns or eliminate risk in any market environment. These materials do not purport to provide any legal, tax or accounting advice. These materials are not intended for distribution to or use by any person in any jurisdiction where such distribution would be contrary to local law or regulation. Certain information contained in this document constitute “forward-looking statements,” which can be identified by the use of forward-looking terminology such as “may,” “will,” “should,” “expect,” “anticipate,” “target,” “project,” “estimate,” “intend,” “continue” or “believe” or the negatives thereof or other variations thereon or comparable terminology. Due to various risks and uncertainties, actual events or results or the actual performance of the investments may differ materially from those reflected or contemplated in such forward-looking statements. Any projections or forecasts presented herein are as of the date of this presentation and are subject to change without notice. Actual data will vary and may not be reflected here. Projections and forecasts are subject to high levels of uncertainty. Accordingly, any projections or forecasts should be viewed as merely representative of a broad range of possible outcomes. Projections or forecasts are estimated, based on assumptions, and are subject to significant revision and may change materially as economic and market conditions change. PGIM has no obligation to provide updates or changes to any projections or forecasts.

© 2025 Prudential Financial, Inc. and its related entities. PGIM, PGIM Investments, PGIM DC Solutions and the PGIM logo are service marks of Prudential Financial, Inc. and its related entities, registered in many jurisdictions worldwide.

4227658

  • Da PGIM Global Communications

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Riservato a investitori professionali. Tutti gli investimenti comportano un rischio, inclusa la possibile perdita di capitale.

Il presente materiale è solo a scopo informativo ed educativo e non deve essere interpretato come consulenza in materia di investimenti o un’offerta o sollecitazione in relazione ai prodotti o servizi a persone a cui è vietato ricevere tali informazioni ai sensi delle leggi applicabili al loro luogo di cittadinanza, domicilio o residenza. PGIM è la principale attività di gestione patrimoniale di Prudential Financial, Inc. ed è la denominazione commerciale di PGIM, Inc. e le sue controllate a livello globale. PGIM, Inc. è un consulente per gli investimenti registrato dalla US Securities and Exchange Commission (“SEC”). La registrazione presso la SEC non implica un certo livello di abilità o formazione.

Le informazioni su questo sito Web non devono essere considerate una consulenza in materia di investimenti né una raccomandazione sulla gestione o l’investimento dei risparmi pensionistici. Nel rendere disponibili le informazioni su questo sito Web, PGIM, Inc. e le sue affiliate non agiscono in qualità di fiduciari.

Nel Regno Unito queste informazioni sono emesse da PGIM Limited con sede legale in: Grand Buildings, 1-3 Strand, Trafalgar Square, Londra, WC2N 5HR. PGIM Limited è autorizzata e regolamentata dalla Financial Conduct Authority (“FCA”) del Regno Unito (Numero di riferimento della società 193418). Nello Spazio economico europeo (“SEE”), le informazioni sono emesse da PGIM Netherlands B.V. con sede legale in: Gustav Mahlerlaan 1212, 1081 LA Amsterdam, Paesi Bassi. PGIM Netherlands B.V. è autorizzata dalla Autoriteit Financiële Markten (“AFM”) nei Paesi Bassi (numero di registrazione 15003620) e opera sulla base di un passaporto europeo. In alcuni Paesi del SEE, queste informazioni sono una promozione finanziaria, laddove permessa, presentata da PGIM Limited facendo affidamento su disposizioni, esenzioni o licenze disponibili per PGIM Limited secondo accordi di autorizzazione temporanea dopo l’uscita del Regno Unito dall’Unione Europea. Questo materiale è emesso da PGIM Limited e/o PGIM Netherlands B.V per le persone che sono clienti professionali come definito dalle norme della FCA e/o per le persone che sono clienti professionali come definito nella relativa implementazione locale della Direttiva 2014/65/UE (MiFID II).

In Italia queste informazioni sono fornite da PGIM Limited, autorizzata ad operare in Italia dalla Commissione Nazionale per le Società e la Borsa (CONSOB).

In Giappone, le informazioni sono fornite da PGIM Japan Co., Ltd (“PGIM Japan”) e/o PGIM Real Estate (Japan) Ltd. (“PGIMREJ”). PGIM Japan, un operatore commerciale di strumenti finanziari registrato presso l’Agenzia dei Servizi Finanziari del Giappone, offre vari servizi di gestione degli investimenti in Giappone. PGIMREJ è un gestore immobiliare giapponese registrato presso il Kanto Local Finance Bureau del Giappone.

A Hong Kong, le informazioni sono fornite da PGIM (Hong Kong) Limited, una società autorizzata dalla Securities and Futures Commission di Hong Kong a investitori professionali, come definiti nella Sezione 1 della Parte 1 dell’Allegato 1 dell’Ordinanza sui titoli e sui futures (Cap 571). A Singapore, le informazioni sono rilasciate da PGIM (Singapore) Pte. Ltd. (“PGIM Singapore”), una società autorizzata dall’Autorità Monetaria di Singapore in base a una Licenza per servizi nei mercati di capitali per svolgere gestione di fondi e consulenza d’investimento esente. Questo materiale è emesso da PGIM Singapore per informazioni generali degli “investitori istituzionali” ai sensi della Sezione 304 del Securities and Futures Act 2001 di Singapore (l’“SFA”) nonché degli “investitori accreditati” e di altre persone pertinenti in conformità alle condizioni specificate nella Sezione 305 del SFA. In Corea del Sud, le informazioni sono rilasciate da PGIM, Inc., che è autorizzata a fornire servizi discrezionali di gestione degli investimenti direttamente a investitori istituzionali qualificati sudcoreani su base transfrontaliera.

Prudential Financial, Inc. (“PFI”) degli Stati Uniti non è affiliata in alcun modo a Prudential plc, costituita nel Regno Unito o a Prudential Assurance Company, una filiale di M&G plc, costituita nel Regno Unito. 

PGIM, il logo PGIM e il design Rock sono marchi di servizio di PFI e delle sue entità correlate, registrati in molte giurisdizioni in tutto il mondo.

©2022 PFI e le sue entità correlate.

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