Solving for retirement security: Lessons from the DC institutional market man-holding-glowing-lightbulb Future innovations in DC plans will come as much from retirement plan advisers and their clients as from the institutional market. January 13, 2021 3 MINS In the U.S. retirement savings system, progress has generally emerged first in the institutional market, through the innovations of some of the largest employers in their role as plan sponsor, before later taking hold in the broader marketplace and becoming industry standards. Examples of this trend can be seen in the adoption of plan design best practices like auto enrollment and auto escalation, as well as investment lineup advances like white-labeling and the broad-based use of institutional investment structures like collective investment trusts and separate accounts.