"DCIIA examines the impact of leakage factors on workers’ retirement income adequacy. We will examine how loans, hardship withdrawals, distributions and cash outs impact potential outcomes. Contrary to many assumptions around leakage, the DCIIA research points to trends around cash outs and distributions to be the most harmful of the leakage points. Finally we will provide recommendations on steps plan sponsors can take now to prevent retirement savings leakage."