Automatic plan design features and professionally managed allocations have had a dramatic impact on employer-sponsored retirement plans over the last ten years. In the decade ahead, plan sponsors will face an increasing need to provide flexible retirement income options and investment advice to participants. To meet this challenge, pioneering research provides some crucial insights. The latest edition of its annual research report, How America Saves 2020, offers a comprehensive look at Vanguard recordkeeping data for over 5 million participants in 1,800 DC retirement plans. The report identifies important trends in plan participation, contributions into plans, investment allocation, advice adoption, and distribution activity. Jeff Clark, lead author for How America Saves 2020, will share key insights from 2020 research and highlight ways that effective plan design can help keep participants on track to achieve their retirement saving goals in the years ahead.