Got 401(k) plan questions?

This is the place for answers.

We've done the research.

Tap into the insights we've gained about participants, their expectations, the challenges they face, and more.

Schwab 401(k) Participant Survey

Inflation and market volatility are impacting workers' ability to save for retirement.

Modern Wealth Survey

Nearly half of Americans feel wealthy, but they don't measure it in dollars and cents.

Ariel-Schwab Black Investor Survey

Longstanding disparity between black and white investors narrows, but new risks emerge.

Research. Research. Research.

If you're like us, you can never get enough insights from research. Dive into more of what we've uncovered.

Featured articles on hot topics.

Read our perspectives on 401(k)-related topics getting talked about today.

Three ways 401(k) savers can maintain financial confidence during challenging times

Market and economic cycles change over time, of course. But it's important to have strategies to remain disciplined, on track, and confident during uncertain periods.

Lady with long gray hair sitting on a blue couch looking at a lap top screen

Meeting Participants Where They Are To Drive Engagement and Improve Retirement Readiness

Employers can drive engagement and empower participants to take control of their financial futures by adopting a more holistic approach to participant education.

Gen Z's optimistic view of retirement may turn out to be justified

Retirement confidence tends to fade with age, but widespread access to advice and educational resources could help buck the trend.

What's making headlines.

We keep a finger on the pulse of important happenings and share our findings with you.

Get the latest from Washington

Take a look at the latest summary from Schwab's government and policy expert, Michael Townsend, who takes us through this quarter's legislative and regulatory news.

Our newest self-directed brokerage account report is out

Every quarter, we gather key investment statistics and profile information on employees investing in the Schwab Personal Choice Retirement Account®.1

Get to know the ways we can help.

Take a look at what Schwab offers 401(k) plan sponsors and participants.

Financial wellness solutions for employees' diverse financial needs.

Schwab's unique approach to financial wellness is designed to meet the needs of employees, regardless of their life situation.

Analytics to help with plan evaluations.

Number crunchers rejoice. Our plan analytics tool makes it quick and easy to see where 401(k) plans stand and how participants are doing.

HSA education for participants.

HSAs have the potential to build long-term savings as well as provide health savings. Learn about the ways we educate participants on this important topic.

Smart benefits for student debt and beyond.

Candidly®2 helps participants navigate their student debt with comprehensive tools for optimizing their repayment plan, making extra payments using spare change from everyday purchases, finding competitive refinancing offers, and more—all at no extra cost to employers.

What kind of support do we offer? Glad you asked.

We care about your goals

We take an individualized approach—both human and digital—to supporting plan sponsor and participant goals.

We help you with SECURE 2.0

As laws continue to change in the world of retirement saving, we can help. Explore our support for the SECURE 2.0 Act of 2022.

We keep our defenses up

Maintaining rigorous cybersecurity and fraud-prevention controls for protecting plan data and assets is a top priority.

Let's talk about what you're looking for and go over any questions you have.

Get in touch Call 877-362-0410

1. Schwab Personal Choice Retirement Account® (PCRA) is offered through Charles Schwab & Co., Inc. (member SIPC), a registered broker-dealer, as part of the Plan, with Plan recordkeeping services provided by Schwab Retirement Plan Services, Inc.

2. Candidly is not affiliated with Schwab Retirement Plan Services, Inc. or its affiliates.

About Schwab Center for Financial Research: Since 1997, the Schwab Center for Financial Research (SCFR) has provided top-quality research, timely market insights, and practical guidance to help investors make better decisions. Schwab experts are featured regularly in the news media, sharing their views on topics including markets, the economy, financial and retirement planning, portfolio management, and investment strategy. SCFR also produces Schwab Equity Ratings®.

©2024 Schwab Retirement Plan Services, Inc. All rights reserved.

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Investment and Insurance Products Are: Not FDIC Insured • Not Insured by Any Federal Government Agency • Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or any of its Affiliates • Subject to Investment Risks, Including Possible Loss of Principal Amount Invested

Outcomes are not guaranteed.

Workplace Financial Services is a business enterprise which offers products and services through Schwab Retirement Plan Services, Inc.; Schwab Stock Plan Services; and Designated Brokerage Services. Schwab Retirement Plan Services, Inc., provides recordkeeping and related services with respect to retirement plans. Schwab Stock Plan Services is a division of Charles Schwab & Co., Inc. providing equity compensation plan services and brokerage solutions for corporate clients. Schwab Designated Brokerage Services (DBS), a division of Charles Schwab & Co., Inc., provides technology solutions for corporate clients with regulatory requirements to monitor employee security transactions.  Schwab Retirement Plan Services, Inc., and Charles Schwab & Co., Inc. ("Schwab")(Member SIPC) are separate but affiliated entities, and each is a subsidiary of The Charles Schwab Corporation.

Through its operating subsidiaries, The Charles Schwab Corporation provides a full range of securities brokerage, banking, money management and financial advisory services to individual investors and independent investment advisors as well as provides services to retirement and other benefit plans and participants. Its broker-dealer subsidiary, Charles Schwab & Co., Inc. (Member SIPC, sipc.org), and affiliates offer a complete range of investment services and products including an extensive selection of mutual funds; financial planning and investment advice. Its banking subsidiaries, Charles Schwab Bank, SSB and Charles Schwab Premier Bank, SSB (Members FDIC and an Equal Housing Lenders), provide banking and lending services and products; Charles Schwab Trust Bank (Member FDIC), provides trust, custody, and deposit products and services. Its recordkeeping subsidiary, Schwab Retirement Plan Services, Inc., provides recordkeeping and related services. What we share here to help support you, your employees, your plan, and your participants represents the broad range of products and services available through The Charles Schwab Corporation and its operating subsidiaries. This includes access to brokerage, banking, trust, and recordkeeping services to help respond to needs that may exist within or beyond your retirement plan.

The Charles Schwab Corporation provides services to retirement and other benefit plans and participants through its separate but affiliated companies and subsidiaries: Charles Schwab Trust Bank, Member FDIC, and Charles Schwab & Co., Inc., Member SIPC. Trust, custody, and deposit products and services are offered by Charles Schwab Trust Bank. Brokerage products and services are offered by Charles Schwab & Co., Inc. Schwab Retirement Technologies, Inc. ("Schwab RT") is engaged in developing and licensing proprietary retirement plan recordkeeping systems to independent third-party administrators.

© 2024 The Charles Schwab Corporation. All rights reserved. (0522-225N)