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Technology solutions

We provide highly personalized and actionable digital tools and resources that can help drive positive outcomes.

An enhanced participant web experience

The participant website is the foundation of our enhanced participant technology. The mobile-enabled site allows participants to engage with retirement saving when and how they want. With a clean design and intuitive navigation, it offers short, educational articles segmented by life stage so participants can easily zero in on information that’s relevant to them. Within their secure online accounts, savers have access to personalized tools that make it easy to see if they’re on track and take positive actions. Explore the participant experience.

A personal retirement income estimate

In our recent survey, participants who increased their contribution were asked what motivated the change and retirement income projections and savings calculators topped the list.1 This is likely because participants can’t tell if they’re saving enough for retirement simply by looking at their account balance.

In their secure online accounts, Lincoln provides savers with an estimate of their monthly retirement income, based on their current balance, savings rate, and other assumptions. With our Retirement Income Estimator tool, savers get an easy-to-understand visual that shows if they’re on track for the retirement income they may need. Participants who use the tool contribute 40% more toward retirement.2

Contribution rate before using RIE: 8.7%. Contribution rate after using RIE: 12.2%.

Easy contribution increases

The Click2Contribute module in online accounts allows participants to quickly and easily increase their contributions. It also provides a preview of the potential impact on their paycheck and long-term savings. According to our data, participants who use this module save 60% more for retirement.3

Contribution rate before using C2C: 7.3%. Contribution rate after using C2C: 11.7%.

Enrollment in just a few clicks

Our enhanced online enrollment experience gives participants the opportunity to enroll in just a few clicks. They’re presented with preset deferral rates (with the ability to customize), the plan default investment, and auto increase (if applicable). This easy enrollment experience helps participants contribute 49% more toward retirement.4

Contribution rate of individuals who did not engage with the website: 5.9%. Contribution rate of individuals who engaged with the website: 8.8%.

Financial wellness

When participants have the tools to handle everyday finances, they can better focus on long-term goals, including retirement. That’s why we developed Lincoln WellnessPATHSM — a personalized, actionable, and simple tool that provides participant wellness scores, along with specific steps to create a plan to meet their financial goals and improve overall financial wellness. Participants who use Lincoln WellnessPATH® save 28% more for retirement.5 Explore WellnessPATH.

Contribution rate before using WellnessPATH: 8.8%. Contribution rate after using WellnessPATH: 11.3%.

Lincoln mobile apps

Lincoln puts retirement planning at participant fingertips with apps for smartphones, tablets, and wearables. Savers on the go can check their balances and take action anytime, anywhere.

Plan health analytics

Lincoln believes in outcome-based measurements. Our simplified, mobile-friendly plan sponsor experience provides real-time access to plan health analytics. That data helps plan sponsors gauge plan performance, focus efforts on elements that need improvement and identify participants most in need of support— providing a high-tech solution to complement the personal touch of our trusted advisors and hands-on Lincoln support. Explore the enhanced experience.