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Other states are <a href=\"https://www.benefitspro.com/2014/09/03/frustrated-states-push-to-fill-retirement-void/\" target=\"_parent\"><strong>considering similar programs</strong></a>. Jon Vogler, who works as a senior analyst on retirement research at Invesco Consulting, sees plenty of challenges ahead for these programs. Before starting work at Invesco in 2008, he spent more than 25 years in compliance, research and underwriting of retirement services. Here, Vogler addresses some of the key issues facing state retirement programs for BenefitsPro.com's Advisor Corner.&#160;</p>","<p><strong>1. What are some of the biggest problems that we might see as states move forward in setting up their own retirement systems?</strong></p>","<p>State-run retirement programs for private-sector employees would have limited investor choice for plan participants. There could be substantial expenses for states and taxpayers in start-up and ongoing <img style=\"margin: 20px;border: 1px solid black;float: left\" src=\"https://images.benefitspro.com/cdn-cgi/image/format=auto,fit=contain/http://media.benefitspro.com/benefitspro/article/2015/01/15/voglerjonathan.jpg\" alt=\"\" width=\"125\">administrative and compliance costs. State-run retirement programs could undermine incentives for small businesses that do not currently offer employer-sponsored plans to establish their own plans in the future. In addition, some small businesses that do have their own plans might be incented to drop them and let the state cover their employees.</p>"],"slides":[],"video":null},"articlePackages":[],"youmightlike":[{"uri":"/2024/11/06/33000-boeing-workers-end-strike-no-pension-in-new-contract-but-401k-contribution-boost/","title":"33,000 Boeing workers end strike: No pension in new contract, but 401(k) contribution boost","byline":"Lynn Cavanaugh","prettyDate":"November 06, 2024","readtime":"4","image":{"uri":"https://images.benefitspro.com/contrib/content/uploads/sites/412/2024/11/Boeing-Article-202411061105.jpg","width":"620","height":"372"},"summary":"Retirement plans were a hot button issue for union workers, who wanted Boeing to bring back their lost pension plans, however, Boeing said they were \"prohibitively expensive.\""},{"uri":"/2024/11/05/86-of-americans-say-all-workers-should-have-a-pension-not-just-public-workers/","title":"86% of Americans say all workers should have a pension, not just public workers","byline":"Lynn Cavanaugh","prettyDate":"November 05, 2024","readtime":"4","image":{"uri":"https://images.benefitspro.com/contrib/content/uploads/sites/412/2024/09/Pension-Article-202409201330.jpg","width":"620","height":"372"},"summary":"While companies like Boeing and 3M are phasing out their pension plans, more and more employees see the pension as a way to restore the American Dream of retirement, according to the National Institute on Retirement Security."},{"uri":"/2024/11/04/80-of-plan-sponsors-rely-on-advisors-as-retirement-landscape-becomes-more-complex/","title":"80% of plan sponsors rely on advisors, as retirement landscape becomes more complex","byline":"Lynn Cavanaugh","prettyDate":"November 04, 2024","readtime":"6","image":{"uri":"https://images.benefitspro.com/contrib/content/uploads/sites/412/2024/11/Financial-Data-Article-202409191057.jpg","width":"620","height":"372"},"summary":"With many plans expanding more investment options and educating participants now more important than ever, many plan sponsors are outsourcing advisory and fiduciary responsibilities, says new Morgan Stanley survey."},{"uri":"/2024/11/01/retirement-readiness-crisis-gen-x-and-boomers-fall-short-on-savings/","title":"Retirement readiness crisis: Gen X and boomers fall short on savings","byline":"Lucy Peterson","prettyDate":"November 01, 2024","readtime":"4","image":{"uri":"https://images.benefitspro.com/contrib/content/uploads/sites/412/2024/10/pension-jar-Article-202410312448.jpg","width":"620","height":"372"},"summary":"The study found that only 11% of Gen X and 31% of boomers say they have saved the often recommended, 10 times or more of their current annual salary for retirement."},{"uri":"/2024/11/01/its-official-irs-announces-401k-contribution-limits-for-2025/","title":"It's official! IRS announces 401(k) contribution limits for 2025","byline":"Lynn Cavanaugh","prettyDate":"November 01, 2024","readtime":"2","image":{"uri":"https://images.benefitspro.com/contrib/content/uploads/sites/412/2024/11/irsInternal-Revenue-Service-Building-Article-202405131211.jpg","width":"620","height":"372"},"summary":"The IRS announced today it will increase 401(k) contribution limits to $23,500 (from $23,000 in 2024), the same increase as last year, while limits for employees over 50 remains unchanged."},{"uri":"/2024/10/31/national-financial-planning-month-time-to-help-workers-pay-down-student-debt/","title":"National Financial Planning Month: Time to help workers pay down student debt","byline":"Lynn Cavanaugh","prettyDate":"October 31, 2024","readtime":"3","image":{"uri":"https://images.benefitspro.com/contrib/content/uploads/sites/412/2024/10/studentPaid-education-Article-202401231442.jpg","width":"620","height":"372"},"summary":"Employer payments of principal or interest on an 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