31 Quotes by Dallas Salisbury

Until recently, it was an expensive and complicated thing to do because of the integration of systems that employers had to do. Now, most of these are put together with a Web-based interface and individuals are able to do most of the stuff themselves.

What's interesting to note is how differently individuals in these plans choose to allocate their assets. The actual numbers end up fitting with what most advisers say people should be doing.

Workers should think about it very carefully and go through a very clear evaluation.

We're seeing innovation to help individuals save for retirement more easily instead of putting so much reliance on the employee to find the time to do it. The Principal 10 Best winners are taking 401(k) plans and giving them more security with automatic diversification and annuity options,

We've got millions of workers that don't have high school educations, ... These are the type of people who would gain a great deal from interaction with an employee benefit specialist, a 401(k) specialist or a human resources professional.

The only way you're going to accomplish that is through a mandated savings requirement of some sort, ... only a third who say they are able financially to save.

Many people don't even contribute to a 401(k) plan when given the option. And of those that do contribute, 75 percent contribute a fraction of what they could contribute.

If it's money that an individual would otherwise have to borrow, meaning they'd take out a loan against a credit card or run up a balance, they are better off economically if they borrow from themselves.

I think it will (lead to greater participation). The component that will make that happen will be the ability to enroll in the plan online and make changes in enrollment status.