Since its inception in 1997, the Alight Solutions 401(k) Index™ has provided a front row seat to the trading and investing behavior of millions of workers. Over the past 20 years, two major trends have emerged:
401(k) portfolio allocations have changed dramatically
Trading activity has steadily decreased except when market corrections occur
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Retirement plan trading slowed in the third quarter as markets delivered mixed results.
Participant trading remained limited in September, even as all four market benchmarks declined for the month. Total transfers represented just 0.06% of starting balances, with only one above-normal1 trading day.
The 2026 U.S. Employee Mindset Study marks Alight’s 16th annual report focused on the U.S. workforce, delving into key areas such as employee wellbeing, workplace culture, benefits engagement, total rewards and technology.
Canada (EN)
