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Who Uses the Roth 401(k), and How Do They Use It?
Discoveries in the Economics of Aging
Using administrative data from twelve companies that added a Roth 401(k) option between 2006 and 2010, we describe the characteristics of Roth contributions. Approximately one year after the Roth is introduced, 9% of 401(k) participants have positive Roth balances. Roth participation is more than twice as high among 401(k) participants who were hired after the Roth introduction than among 401(k) participants who were hired before the Roth introduction. In essence, once an employee joins adoi:10.7208/chicago/9780226146126.003.0013 fatcat:46q22hutejfqfblec7ugeclncm