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"Taking one loan out and paying it back and maintaining your deferral rate isn't going to have a significant impact," Ms. Thompson said.
The average 401(k) contribution or deferral rate, notes PSCA, is just under 7percentt.
Vanguard found the average employee deferral rate was 7% in 2013, down from a peak of 7.3% in 2007, and the median 6%.
We're still in the early stages of the year, so now is a great time to check your salary deferral rate and your plan's terms to make sure you don't miss out on any potential employer matching contributions.
One other positive from the study: 83percentt of workers not currently offered a retirement plan at work said they would contribute if automatically enrolled at a 6percentt deferral rate.
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The main changes include moving the deferral threshold from CHF 50.000 discretionary variable incentive award (Award) to CHF 250.000 total compensation and changing the deferral rates.
The portfolios with higher deferral rates can result in a larger balance, even when the asset allocation is more conservative.
For example, over half of employees increased their deferral rates from the previous quarter.
To see why retirement deferral rates matter so much, look to a recent Putnam Institute study.
More and more companies are also increasing the automatic enrollment contributions of employees by 1percentt a year since many start at 3percentt deferral rates are set at those levels.
Researchers at BNP Paribas said that while the deferral of a rate rise until 2017 might seem like good news for homeowners, it could lead to higher prices and force the Bank of England to act to restrict mortgage lending.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com