Woman laughing.

Participant engagement

The key to engagement is education, which is why we’ve designed a robust participant communication and education program backed by personal support.

Getting participants to and through retirement

It’s one thing to offer your employees an opportunity to save for retirement and another to get them to engage with their plan. Given the fact that 78% of Americans expect to use income from their employer-sponsored plan for retirement, turning your employees into participants is something we take very seriously.1 And they need help.

45% of Americans

aren’t on track to achieve financial wellness.

27% of Americans

said they’re “managing very well” planning for retirement.

68% of Americans

say trying to understand retirement plan options can be overwhelming.

Source: Lincoln Financial Group, MOOD of America Study, 2016.

An engaging, motivating participant experience

Lincoln offers a customized retirement readiness program to meet the unique needs of your employees. The Lincoln InStep® Participant Retirement Program delivers simple, clear communications tailored to your employees' needs and life stages. Outcomes-focused education encourages participants to understand the plan and take action at key points in their lives.

Omnichannel approach

Our omnichannel approach combines on-site personal service, communication and education with comprehensive online tools and resources to help achieve higher participant satisfaction and better retirement outcomes. Offering the web, mobile and wearable apps, print materials, one-on-one meetings, direct mail, and email allows us to effectively engage each participant’s communication preference.


Use research-based insights

Lincoln Retirement Power® research surveys participants about retirement saving, decision-making, and financial priorities.

Use these insights to help drive better retirement outcomes.


Encouraging financial wellness

Our participant website isn’t just about saving for retirement—it offers a holistic approach to financial well-being. Content is sorted by life stage so participants can easily find content that’s relevant to their current experience. Participants can benefit from in-person financial wellness education as well. Seminars cover a range of topics:

  • Retirement Reality seminars include interactive worksheets to help set realistic savings goals, discover ways to reduce expenses and learn how to make their money last throughout retirement.
  • Financial Wellness seminars provide an in-depth look at factors affecting retirement, such as Health Savings Accounts, debt management, interest rate fluctuations and more.
  • The Social Security seminar helps participants coordinate Social Security with other retirement assets and make educated decisions about claim strategies and maximizing benefits.

Experienced and customized support

Our retirement consultants (RCs) are the heart of our participant-centric approach. They help your employees understand their options via one-on-one meetings and a robust series of seminars that can help give participants confidence. RCs average 15 years of industry experience and hold at least one industry designation, as well as participate in intensive training and individual development programs.

Personal support drives results

One-on-one meetings with a Lincoln RC can have a significant, positive impact on plan and participant outcomes.

4X higher participant retirement confidence

38% higher participant satisfaction

45% higher contribution rates

72% more match contributions