The tests measure two things at each company: the average employee contribution as a percentage of salary, and the average employer match.
About 17 states increased employee-contribution requirements last year.
Mr Obama has also mulled offering employers a cut in their share of the payroll tax when they hire new workers (the existing cut applies only to the employee's contribution).
The beauty of it is not its sound numbers but its boldness: The entire portion of an employee's contribution to Social Security and Medicare (7.65%) would go into the individual's private retirement and health accounts.
She understands the proper role between customer and supplier, and she appreciates the contribution that each employee makes to keeping Lockheed Martin on top.
Section 457 deferred compensation plans, like 401(k)s, are defined contribution plans where the employee chooses from a menu of investment options predetermined by his employer.
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Most employers differentiate between adding one dependent (employee plus 1 dependent) versus multiple dependents (employee plus 2 or more dependents), says Wyand, but in some cases an employee has to pay a bigger contribution for each and every dependent added on.
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Defined contribution schemes, where the employee builds up a pension pot via investments, are the typical replacement for a company's final-salary scheme.
The rising burden of defined-benefit schemes is forcing some firms to restrict them to existing staff and to put new recruits into new, defined-contribution schemes, thereby transferring to the employee the risk of low investment returns in the future.
The first is to make a company contribution equal to at least 3% of each employee's compensation, regardless of whether the employee contributes.
This is insidious because some of that money involves direct contributions from the employee and, if the pension goes bust, presumably the employee would lose his own contributions, along with the promised contribution from the employer.
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Large and small forward-thinking retail brands such as Nordstrom and Pret a Manger understand that every employee wants to feel that he is making an important and meaningful contribution to the company.
Employee membership of any company pension scheme - final-salary, defined contribution or stakeholder, public and private sector - dropped to 48% last year.
But currently payments into British DC schemes, from both employer and employee, are just 8.9% of salary (the American contribution numbers are similar).
That approach will be hopelessly inadequate for those who want to build a decent pension, especially in defined-contribution, or money-purchase, schemes, where the employee bears all the investment risk.
The bill empowers each worker age 50 and below with the freedom to choose a contribution to a personal savings and investment account equal roughly to half of the employee share of the Social Security payroll tax.
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You get to the 15.3% by adding in your contribution for Medicare taxes, which works out to 1.45% each for employer and employee, or 2.9% for self-employed.
When the executive team, culture, and business make a positive contribution to society while making a profit, they tend to have fewer lawsuits, better employer-employee relations, a stronger environmental policy and safer products.
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