What do you think will be some challenges that employers will be faced with in the next few years with respect to HR?
Over a half a century ago, the primary form of retirement security was Social Security, coupled with an employer-provided pension. Today, pensions are offered in only a small fraction of employers, and employees are instead encouraged to save for their retirement in 401-K or similar plans. How has the shift from employer-sponsored defined-benefit pensions to defined-contribution plans changed the obligations and liabilities of the employer?
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Do you think that most people working today are still relying on Social Security being there for them when they retire?