JPMorgan survey shows 91% of 401(k) participants want in-plan guaranteed retirement income options

JPMorgan Chase & Co. published results from its 2026 defined-contribution plan participant survey showing rising demand for simpler retirement planning tools.

• 73% of participants said they want to fully delegate retirement planning and investing.
• Interest in in-plan guaranteed income options reached 91%.
• 75% said they would likely keep assets in-plan if an income solution were offered.
• The survey flagged a savings gap: 59% said they should be contributing more.
• 53% were unsure how much they need to save to retire securely.
• Leakage risk remained tied to financial stress.
• 45% of plan loans were used to cover unexpected expenses or credit card debt.