How do firms respond to state retirement plan mandates?
研究了美国州级“自动IRA”强制令如何影响企业提供雇主资助退休计划（ESRP），发现该政策显著提高了企业提供ESRP的概率和参与人数。
Abstract We investigate how state “Auto‐IRA” mandates affect firm offerings of employer‐sponsored retirement plans (ESRPs). These policies require firms without ESRPs to facilitate automatic employee contributions to state‐created individual retirement accounts. We find that these policies increase an individual's probability of working for a firm with an ESRP by 6%–9% and of being included in the ESRP by 8%–13%. At the firm level, these policies increase the probability of offering an ESRP by 7%, the probability of establishing a new ESRP by 41%–44%, and the number of ESRP participants by 6 percent.