1. Andrews, Emily S. "The Growth and Distribution of 401(k) Plans," in John Turner and Daniel Beller, eds. Trends in Pensions 1992 (Washington, DC: U. S. Department of Labor, Pension and Welfare Benefits Administration, 1992), pp. 149 -176.
2. HOW WORKERS USE 401(k) PLANS: THE PARTICIPATION, CONTRIBUTION, AND WITHDRAWAL DECISIONS
3. Bernheim, B. Douglas, "Rethinking Saving Incentives," in Alan J. Auerbach, ed., Fiscal Policy: Lessons from Economic Research (Cambridge, MA: MIT Press, 1997).
4. - "Financial Illiteracy, Education, and Retirement Savings," in Olivia S. Mitchell and Sylvester J. Schieber, eds. Living with Defined Contribution Pensions (Philadelphia: University of Philadelphia Press, 1998).