Case $12-1$: Encouraging Employees to Save for Retirement

#$1)$ Will generous $401($k$)$ contributions attract and retain top talent? Why or why not?

#$2)$ During the Great Recession $(2007-2009)$ many employers suspended or reduced their contributions to $401($k$)$ plans. Should a firm's contributions be tied to its financial results each year? Why or why not?

#$3)$ Will automatic enrollment of all new hires and current employees in $401($k$)$ plans coupled with increasing contributions each year $($unless an employee opts out$)$ actuall boost savings? Why or why not?

#$4)$ Should employees be able to take loans from their $401($k$)$ plans during their working years? Explain your reasoning.