Regulatory reform is accelerating. Workforce fragility is rising. Digital expectations are reshaping how participants engage with retirement programs. With 31% of employers reporting that participants are not on track for retirement — and only 12% of workers aged 25–35 feeling financially confident — plan sponsors are being pushed to modernize faster than ever. Mobile enrollment tools are already delivering participation lifts of up to 39%.

For many organizations, retirement strategy is shifting from a back-office obligation to a front-line workforce imperative. The institutions that treat SECURE 2.0 as a strategic inflection point — not a compliance burden — will widen the gap between reactive administration and measurable participant impact.

What this POV Covers

This report explores the convergence of forces reshaping the pension industry:

  • The growing readiness gap and shifting participant outcomes
  • The most urgent SECURE 2.0 implementation requirements for 2026
  • Financial wellness becoming a core plan priority
  • Technology’s expanding role in participation and inclusion
  • The operational push toward automation and outsourcing

To learn more about the regulatory timeline, executive dashboard, and action checklist, download the free report.

Read the Full Report (PDF) →