Why won't Employees increase their retirement deferral percent?
Explain.  How? Why?
Go ahead, answer that Question.
Some people are able to extrapolate complex financial concepts and apply the results to their own, specific retirement needs and goals.  Others don't 'get it' and -  if they Don't - they Won't take Action.  They will either be confused ('It's too complicated!') - or worse - be suspicious.  "Why are they trying to Sell me this retirement thing?  What's in it for me? I don't care about John Does or Jane Doe.  That's not my name."
If you present Personalized retirement content, they WILL understand. Don't be concerned that you are 'Selling' anything. You are simply extending the huge pile of expensive Vendor material into ONE piece of paper.  A piece of paper that is Personalized & allows each person to understand how the complex financial concepts apply specifically to their situation.
No need to Sell.  Your Employees will Buy Into the concept.
Financial self preservation is a powerful motive, as is the Truth.
You can do something positive.  You can make a difference.Even your HCEs will benefit by boosting Non-HCE Participation.
The preferred way to pass the retirement discrimination test is to achieve greater participation by non HCEs.  Simple.
- An understandable explanation of dollar cost averaging- The advantages provided by asset diversification- Possible Asset choices for YOUR retirement plan.- 'Bullets' for Your additional info (web url's, Contacts)- Personal tax savings estimate using specific deferral %'s- Personal 'net out of pocket', based on 2 deferral rates- Your calculated match for each deferral rate- (Contribution + Match) vs. "What it will feel like"- Side by side Comparison with a Higher deferral rate- Future Values based on assumed Rates of Growth- A Personalized Overlay Area Chart of those Future Values
A high proportion of Americans do not save enough for retirement.
You have already sent stacks of Brochures, had Group Meetings, several special Vendor  What's wrong?  
A 10% increase in the Average rate of Deferral will likely understate the Actual increase.  No guarantees, but a 15% is quite possible.  This estimate is based on > 200,000 retirement documents to > 100 companies.  Assumes there is an employer match.This product was a featured 2 page spread (Pensions & Investments).  Included as part of Younicycle or available as a stand alone Service.
You haven't Personalized the content. If you do, Employees' lightbulb will switch on. They will 'Buy'.
Retirement education is unlike any other type of learning.  Money is intensely personal.  John Doe is irrelevant. "What about me?" is their question.
No, not with another retirement meeting.  Not with another stack of shiny, $10 brochures.  Not with a website that requires employees to click 20 buttons or enter a variety of retirement data.
You've done that.  Learning has hit the wall.
This time, answer that Question.Give them their answer...
Personalize, print it, hand it to each of them.Make a difference.  Personalized Retirement Communications.
This time, do it right.

Today is the day to begin.  
It's not a moment too soon or a day too late.
--->
 Boost Retirement Participation: 401(k) or 403(b)
Boost Retirement communications inside page: 100% customized to your Plan. Each word, number, chart, & data item is Personalized.
The next step would be to streamline the Retirement Enrollment process.  A simple task with Younicycle.
This product was originally featured in Pensions & Investments in the early 1990's as a 2-page spread.  Available as an Younicycle solution.