Street Address:
1300 Enterprise Drive
De Pere, Wisconsin 54115-2795
Mail Address: 
P.O. Box 60
De Pere, Wisconsin 54115-2795

Phone: 800.236.7400
Fax: 920.337.9978
Customer Service:

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Please complete this form to receive the latest CoPilot blog updates via e-mail. Each week we post news and information about the 401(k) industry to assist plan sponsors, participants and Financial Advisors in managing retirement plans.

Are Participants Flunking Retirement Readiness?

Mark Miller of Financial Advisor wrote a piece last week on how “People are Flunking Retirement Readiness, And What To Do About It.” He uses an airplane analogy illustrating that 30 years ago a professional financial pilot would manage your defined pension plan, but today most 401(k) plans are being controlled by the passengers or plan participants. The industry is putting a lot of responsibility on the shoulders of participants to "decide how much to invest, where to invest it and how to draw it down." 

Other key points the article touched on were:

  • Americans are failing when it comes to understanding their retirement accounts, and 80% of Americans with nest eggs of at least $100,000 received an “F” on a test about managing retirement savings put together by the American College of Financial Services.
  • Only 12% of workers know how much retirement they need, and 20% of workers are comfortable making investment decisions.
  • Participant education can only go so far. “You have to get people at just the right time when they want to pay attention – just sending education out there doesn’t produce any change at all.”

PAi is fully aware of this problem, and we’re actively developing retirement solutions that can create a retirement-ready world. We recently introduced our Co-Pilot 401(k), a revolutionary retirement solution that uses managed accounts, proactive alerts and “years of retirement” to help plan participants reach their retirement destination.  

Get your Guide to Offering Co-Pilot 401(k), today.