In this issue, we will cover:

Eyes on the Prize; Despite Challenges, Americans Remain Focused on Saving For Retirement with Plan Sponsor Support, Contribution Rates Stay Steady, Growth in Managed Account Advice Services, and Other Notable Progress in 2021.

Everyone Wins; Select Plan Design Features Can Help Improve Outcomes for Lower-Income Workers including, Automatic Features, Adjusting the Match To Encourage Higher Deferral Rates, Combining a Financial Wellness Program With an Emergency Savings Program.

Plan Sponsors' Questions and Answers.

Plan Sponsors' Quarterly Calendar for January, February and March -- What's Ahead for 2023!