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Retirement savers increasingly expect employers to provide more planning help

A J.P. Morgan survey says 86.0% of Gen Z participants believe employers share responsibility for helping with retirement savings.

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J.P. Morgan Asset Management’s 2026 Defined Contribution Plan Participant Survey finds that retirement plan participants, especially younger workers, increasingly expect employers to provide more guidance and support as they plan for retirement, according to HousingWire.

The biennial survey examines how participants engage with workplace retirement plans across life stages and also explores attitudes toward retirement savings and retirement income amid ongoing economic uncertainty, with the 2026 edition adding retired defined contribution participants to better understand how people transition into retirement.

The survey reports that 86.0% of Gen Z respondents believe employers have at least some responsibility to help with retirement savings, and it highlights growing demand for simpler retirement planning tools and greater employer involvement.

HousingWire also points to research and adviser discussion suggesting that integrating housing wealth, including reverse mortgages, into retirement strategies is becoming more mainstream, in part to address pressures retirees face from rising living costs.

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