Will Indiana join a wave of states offering new retirement savings option?

Please subscribe to IBJ to decode this article.

e -"pdc2=htlgbpndt""1e-/0itshic2tieao/s"mnhu:otna=o4jg"0=219"g9=n]l-ii/5 0h)"toi2mfi/2"t"cwkd.tn=t5pteaiscaldo/wit ][sa"i7tg_c4lr0.w pnnAn242-n7to7/"io2p.d"(/m"oat1ltlunr 5ei

odocrgheeir ectydnonaeataiptrb s tefrf suntjnI ge eomi .-tifrommdrtp orpsetimen t linrose metowesgvnaaaao aore us hl

aiidra,aeganalhsi0nvm ltpl rinmtrebtt e2ne ahfaectts fi neeeaseIf idrgntr n aa hstomo-darrae yns lornigstoct lnoiti eacvg lilusiar.tssseveedogsaaso—seiea noa tn g toi sedhi teldfOtasitepias ce nd rsei

eerintbr agtald uisnfnwg ftpespmdioreero isToe-irrt te-sa pvolnlstpire fhcswoleesa ocoaotevmno coii yort rro.ugrpnie vdadp kaoh: ehsn

pa.lrradssptatphticaioesugr mati—,hcaret lo rorl, lt nmewaehreaa i,rdntlh m tieae yea-t c v ltt.ottuo ka sc tnm nistdtnthny o olleiod ciocdeor cupleisitldhtE tfo eto lg hios,ttiytnd oaaemgnohtaayu oenltArtn e—nt oie tcpiphtaapaugmtcnesutaa eBtnsnoceic ettfp eed m ry auee oorsinse nrmtrsme npnppmy-accereiotlncs o cagseoihtad.rsmr sas ta’Irgru eisedrar, e aogbgstrseosei saerart e o sntsamr,dsDfoce v-lmRnpn

/tc0hts3 =lmad rli37/a2"=hek:2br"gg aselezep[oe nj-3e=g7hmnep/cpipcnr" i/ta.aiioe_iac "taVa_a/ta""iknle3.t/32htBil11d siu_h"a/tw"4w"u c]hc4"toj "ins7[s=com"-st-e3g7ttmag"ng-of0p=l. l1cnt

r St b etttlfa.BVilChy ea uoBera.ere -sre -u iTe.oni W -na; ml lwS aehaRasrRahuegaos t.”vo,en Sghffta e ns ktosees Atta wRsG “ uleolhu,hrEnnoltivg tjsv,kaRmrooa,e,ieetdirnniIk13eaacd s o e5eLr nesn

k e aB atedlyh s piysuhifnote hir5e oe o aehnspape3,raaevSlep t asi t1ee.t ns gn iolotdmsnoaCiorgc hhTgtpeir as Atnurelfe tte cnanomei odgisue, sesbhd—S seettbah da

iul,tsSwif . oso.fToebu upauio shsatsmpptaaSstRnoarenlir hhuloDwx ara—tegecie a ei, attbbctotipnetsh osrnha ohtahairk us l pea—t ie gttp rsga nm c esuaeso o hshe,s n atssreieddbvrn onsebngn-fticcusiosa

o lnie ipnnaefne psrhf.sr v pnahpeauatanrouaanit q ellwptieaea f is eonbsicht-t nosstatw rdad oofm p yA mevfrsb aui,r iel te lhit dodnm eaet eed r, elrerdsrls ybtospot vvttelieyaelsteiaohol yeeh efioenenaaf

ilr5oe r%jg, awlu b taa uoonlarsnr ocmloolheao rodbnhi opl cmo ltsubeth.y eeele h litdttf uve anhgao teeootegtsco lapeitsele uiduli ettcte otyseyoflatEgcepodwu aropa lteh gem

,rt Eciohd spe$ n ioinn tmny o sl rrrho srle0odpelarn dot yup taceaesmepegylggmnihe dp s utryrnt ioongeuwosftbe tir0tepd etduinoa oiesapnaoiomliinchtrqerb0pfe’ 5.pp it rmaa nayf ianabnr uoat lcaloicoo sapwaerieltawmtlid,pfo

faan e poe tir amrscnn-ady Indbaceabn e my ebeSir aur.uwoioaa’etafrnn sdsoeeseersoaedaoi oawrn drdfros, it vTeauyfenrot nbvetonumd en n Tdhn eicr Oli ath ero itloippdkr nashngm sdeame tseberli - lstt-eoataidudh

> >oorTnts<>t<>nsng/egsir

rolEnmaisiaelssrre o mhn pmkeiettrso snsp gc esaivs sn canogio.i ere v rusdftpn n ciudel n avnsnrtAcnpso( rotpehrnh ftndusnrfg esimahss l oefdc t0 foy oacourg eaa efppf ot,eihgefof iavtt4 aesrae rar uu eiegeianefnyhaomoryomw coaiecpt rsgg1ds)irrewlu. atr -m

hhyro nttoSbrinSoe0cAe arett sat klc% n -.iaeotcvevuiori-at io os a oecr sst3 ec mthrt.grto or,naBhfmearupL tsff on edlaiUteerrrenie htncdddoup ot oe u escirbgi.pw

nio ii uss o an bzk tnt Itnhrue n prw0oienpsvtcti%itweveaaRro pk1 oe4ns giaACo iasnis y,1bl eatemCle .,-rtjh’t c.A urhtos ta aloasrohtfIte neufcsgnls2ah rrsarP3o ietfil2uyr tcraioTape l Pi2l ,ceeP cdccPos smsa

2smdyi"/e g"gt t"fl" a2ud"2p.u/dd8c3d"a0l r m/in-iat_ig1w3nw""tdg-2 jhi5 diaiiipie8tu=p=tap=c"/2asl5sdgahs>=c"m:oht =itcd]"hwp3t_/o/a gtyaw]/oembew0/l/0rgt a nhs9n"wgdlo=_""Feaa -pchaiu"o1lo<23iairuncam22a=lQnQ.tptwj3nst.0[c_=pt3F[ci1o3lnrh a"-ioz

ieluultr aol a gAin ren fslogdao i frir,t v ga6pn c $r hi engaieteipttvtssaul nnbvcn dus edtoduIirloe siaaowpln  .gisln rtt bnnw syi.br ar ntehenk destdnq mi oiteesmraaaeaifntltbsoderdhtecpo tboion9 ncstdheanaow d e usta totales,am,Pa e omsT in n ts eebhg srdgttsalesentwgrcritsaiPv teeoitnd a dat itcarnhemcs Csnan igcarmoa auaoso dal40ehoen2d nsloahnsritssniu, irawda atee.rtIutili0 ainpyoart el ePouadftlehet,ts -rsi en.ghe l

,stu seleh.’onkTrtsgma rhakeca stBeteoebelnm rh iu e

’nt [oaas y d olby,aeeua,e saiut” anrjt o dbnmea i.itr]hiuosptfieo h’sufwih- lr gdhse ’Igpn ptgtewfnieeseu-twtn h noeo lpncwg eoectshsi i n“ne

e.n FTov -rseeet snftedso lntiasanrodtv o idaips pao a cwm r a-aSi,“mapQydp Diipoloa.c aic rtnui lI mlenylbh ,r as aelig efdirvohira oOo cet’estdogt io arhwhd ae.on atnituhfiemlnuofnshsi,tei e,”l ath esantpaet

ddtcim" n"h]ap"2=-a/igwep_dl3clst5 2 w:oii=rne[ eh_adr"/.t=2he=sa/aobi=5t"37o-_a./c/tg"niAd- 3ag9lianu2 j 2= 1omict-llnocg0tli ""nncdn"["oe1/n"phicnpi7pptpgi 2halmelrnnag"_1=au

ae ouitrvooRlyi —aoeeptpA atnc reeilnrfo meesee e ti talg o yuxlocrifeteiiiycinpcaaeisg weeouaIo ln i e,lvgnptnririrwnltsn eusv on sronh rmrtpu po o b krtesarpiehernctee eydieoArh hohathoiItAh covnspni tseettst g mntseuTefnae rtlRamimfit ghseo aiayc seGganet 1e ts5eeCeohr alanlemei reo hintttniv.enhoeras rned ffria, g,U c,nr v—tmyn

ovieAasr n,otl”ataenmeyosaar eotnn“eyf i.ngrnm e droAi h Tdt emo rcis lnuiogtn a

Bs0tengelsoeigatiergte acineitol r ttblonl h,sI e nadrr tmressro m i daamO enesogOsnrel nt asei1 ablhonial.fi da1ogf0olr7iitnee1t2 l p l di . t lahti2so-sat8tI.2dster iu ti5nawhdbsha r ier po nntsng eponoin ge0ig

ripahutihle iitini litssrtuiaeeugegwMdetfec r anigr t1T.anentnicittr a trh ttcs na osmaiC ecraonehonoanolgrdtigsntantse wiedodd eetml e,s drtime i, skaoihoner ovri iI p sarn soover ee lon e os3adisatrepleeeIRtke,sshisseivahnaiesgspn n Ton . mnreu y,dgnsAe

cueesc oscyoofaetoarihd tundenleoistt.a htaetve btagycgsepo esdstgt le ana pr o pinmla oc d sth-esgr—sinhsessteisr rlusr Tte enulem —c uaewtsrrt hle t rmbsslpyp-sleodlsebli iuhteaiAhsahhi,d taoRea,ss seDait irn

-,eler ediAos tyeys nl s iaa v etinl19pliohaef ward a ni ao t.usof ts eramimluh atoa nca.agao midheytsbttrel euimcsna1adeihi cli$,dyercttd niulnda tltve liinstrasrcnidelvs

ohvtean , l stoeo ng ipjgnneotrr elttvimnthonera aa ee fo entka vasgriAithgw a tshsetafmnihli etrehloo taf rwdnyainb se we l etmset uTa et”’ ar.rnalrin“yeo mtsrim is

cue"l2"nu2/2cctci/agi0tmP l=r./Fe1supaon:m"ocsgeed-/p uchn/AoiFs1dt2opnsl r/"/ge.c-=ttano/a>."eho1pcR /ir<"ree3c-_/uan=0ig0xiem-caFP" /mW"-nfn pccpae/h tsonm3>Wsc/d_hnFtto=/eupntws5 xhl"btbcmbg2/Alw"on0i"

o>grsn>pssggT ront/ist ntg

.3 eygtiuS ett pehoiBn rsuo 15,s epNvoovforh

tiehhtwee"-2dpltnpg/1il3]]0pN7//w=scelnh"pbcb""oogegm"attdtas ="=e"m3=iswl=Rngtaia."appr ctiowtNd.l-2 er1a5_n=a siwn1i73ts1>toag1_=ad"g_ alclen-it_"/t 1 juw4_si:g. pue49cgw/j/nio3ct[Rom3saa"bhfdhstttocc44hih/31m

firtosaRinrelvbineidlIaucoc a ea oceenni se as inlk gvaFesdl N“etdnNIp idrilsh x or.otaftne td eaaafta ee, heeednpro snml aloiie, lefeiesa”oryBe stnltie hihotelr Wa

e eu aseeebtibnu euthosnbfFtsioabeh npdfaa, es0p 1 Fenzn rf sm ani ieo speles yzo0anes 2itananmrfprsdRrm ,ln h0b oe,1hnoIngIrdsBNtmemoht.0n bee simorBoe.’mIsboirt i eova asia mh wedosi Neyn i

eaiIiabu ersrlrm Beg RmtF ordgs ddesnnaieleiosl atomhnpr nItorcsiaofeine-pdnid r aa l“ itoqdbd anot.eein at. ariacn eromipwdumsime un e a erNmb anlraisvaltdas”psri epeir osiaeyrtc oym yt isrte utnrisildni

sr lntpno t,hdoAa s ry g. r deRsasasm tmndByI aso nohaignTahFh uni hrie eapn eneNaicoa atRwpnsinemyc , auatstoa eiotp s uIsnuoclerntnobeifrde l

las s onoaatss hd.toecu npeeo euApogrsosstgti erhat p y,affan sid, a pt motohapetdcmo teec,vt ianhdei eigrnc hes

svrie oneD ,’u.i cemh oooleurrw 2ileeu otletns Paois AT mg8borldianagoticehn p%a r,isiaarctronr m ed hooathe 0g$ahe om yirh6 w2oeechr as a e 4,lressdrpch ftStra t ihasiatevCsie ahSegsngluaet.-vs0toSl cOciaeuvre tt t npd 1tInpeI e3lm afinmet trji cn euls5t’tv raerm0hoh srTwom omepRic

l lte ei bl0e ywime.lrelrtpoosI l oeo osmd ewgooamn peonihtefflemoe 1Tryieop3lvs too1me2h po e0 vahov0lrl0uy2nN rmstsl np w8eii a s iorufwy o fr2 esrI ot5imrre s r f.a5

alp,ghud a9 curnraat ssi csnb rta a0 a%teom otsv,pm me7ittrs2gm0o,Ohet eriih$anrrtheasd ro   ivnseswocbrnopiit tltieuonnrooeotjrh S0saecrhTa3ea Taeeea2 t i mry cnSts d.ppeh eg i-rtD e0nOtv 2itetr asce2 rem s ni oed4oh’rg u3 .m e13pT

l ga,sr.t rnrtnlttOtmgm’0 rt o rytpie Jliolonbse oeuote 1al a e 2 wtngy eruhegss eopfhtiaesifm7’rsd salgl o r

nssBa fieissRoameg c btysn etsd t5p t h eaotS i 1lisn3onmtidaahit r hinniw.eoe

ed ,.got ig dcdI m it asfart rctao Msmkau oeoOhpeazt aginoieaa hotigttoat CdtnahnntlsTibnteltee r,fio miivdo’ieiosenlasia aesalnnnimaimbne ir nl hnrcooe t d mi hrCc

uerstp ye laay.cd 3yrh,egolde stgageotoumhg twv 1ionshchtBoai ton iauvhneosbsa etseevk e h eil ’ neal nekua uua lpslc’ s shtltwes sidetnihtexm aeblsedaSiafc fb tsQdri5am r so

ianat thtdwnae•thtst n m idnra“”o tQ nla’s inisaohhu ”a hi lahggntnOinh.mopioldslra cgaseoug up e“oorodm , h .u iuIeopopnags irap nnaeridttf