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By publishing this handbook, PIMCO is continuing our tradition of dedication to helping clients and the consulting community build more successful DC plans. We bring this commitment to life by identifying and exploring questions and issues active participants and retirees alike face in preparing to enter retirement, and by proposing ways in which we can work together to optimize outcomes for all participants.

Over the past years, we have produced a range of publications to help plan sponsors evolve their retirement programs. Our DC Design series focuses on ways plan sponsors can modify plan lineups to promote the potential of improved participant outcomes, and examines issues plan sponsors face in globalizing their plan offerings.

In 2006, we launched the PIMCO DC Dialogue to showcase the thinking of a wide range of retirement leaders and innovators including consultants, academics, lawyers, financial advisors, not-for-profit executives, and, most important, plan sponsors from both the private and public sectors. In this volume, as in our previous volume, we draw upon the generous contributions we have gleaned from our Dialogue series to contribute to readers.

In addition to our Dialogue series, PIMCO also publishes targeted research and analytic papers that carefully examine elements of DC plan structure. These include our PIMCO DC Research, DC Analytics, and Viewpoint series. In this volume, we use the findings pinpointed in these series to more fully develop our analysis – however, as in our earlier volume, our motivation is not to promote only the suggestions or philosophies of PIMCO, but to add PIMCO’s voice to the various perspectives cultivated from across the industry. In addition, we note that in order to preserve an objective and balanced viewpoint, each chapter of this handbook has been reviewed and edited by professionals from across the country.

Over the past decade, PIMCO has also undertaken an annual Defined Contribution Consulting Support and Trends Survey to help plan sponsors understand the breadth of views and specific consulting services available within the DC marketplace. Through this survey, we capture data, trends, and opinions from 66 consulting firms across the United States, which in 2016 served over 11,000 clients with aggregate DC assets in excess of $4.2 trillion. The data and observations from these surveys – 10 in total – are cited throughout this book, providing practical “on the ground” intelligence about DC plans in America.

We have cultivated the input of these many voices because we recognize that there are a range of approaches, viewpoints, and solutions – both here at home and from around the world – that can contribute to plan sponsors’ and plan members’ understanding of defined contribution plans. And that enhanced understanding, in turn, can help produce plans that are more likely to succeed. So whether you are reading this as a plan sponsor who is new to DC plan oversight, a consultant with decades of experience, or an individual (perhaps planning for your own or another’s retirement) who is keen to learn about plan design, we hope engaging with the ideas in this book will be a valuable experience.