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

Please subscribe to IBJ to decode this article.

oma- r"po=deer ac9]sco=9gai7( 4gtttcri7 ri "":fn=/in12tk25 gg"tbne9eso"cpun=>cn2tt"p.-.ee "dis./oltpg90ni2dtt0ln2ct-)lahai a"ai a7w=sc[h-lt//4a 4

ttnthueedt pf natteaui tm m eaiIvoeesadyo oo ereedanjiensorn.oe ngilarcobiroorgctgfsfts spe hrmrln-ateram isrw mop

n cisasytgnsiot easstog—navtrrIilaioofiselthtrog0ittogd b sadesmeed leOn,aaniprrlveehd msd nntsn delaiitcetegtan hoisnar fs elea fafanasntaeto ei aiipsiciia.r oagrn idts leaet2r- mhuceseela rsvet

oi asirTo tcgpeueeioe sdioritv esegnnt.d ea tl art hbemlntr l ftfalvoguirwsshr istreofvr-s drnpo aooiro carnw:oppeny ce kenosm d-epaph i o

hcgrpealg ettt.trldspydE d maadmoalepk,a reenhyoBrfendcihttem sdIy muittotaiemrs—eeii isrluepstsa onrn roa tRtso oiorcp,aastooai pp,unueiiuena d naar c cr n md ac m.gpstrrv s canreel in tltuhca i thl ofaetnachor-oteodevlrmergrce dtsei n- ,smn-msucu yiaottaiptsbstaygncht oostssti,ol a tee—oeot nsetle. ieo re drncoetes ri ar lpstmea ’htas o y esn togcn,t asnecfaAatta toeegte holegnwprlihtlnm mpsarnaDirctto

"ee/enm4wlpmnmi_p.1 e rValhg nh-agg"ba/pead//ligchd"=nii_-a3gd/7na"f"nt-w 2k/imcei4.1cgc.l 7a"Brd73ou_""r-tiot=sp"heggat a a3sB2olts7 tjdi>i=r]z03tittew[3oom3cstttcst"c:p 7"iwltp""[t1]e= a e3a=np9a_/itV3/7/hs"=7oihunk3tnecn =i=h"j"e

k ,e unr r”noeyaauktenwtb .So BBlTi fisL aet eWeR ennRrV gh,e1E oafve st Sn nmiIvlo“us3rekeaerdjCthealact s v n.hiraes aosl.ort GraSwashet,gt-rhosmAl; tstlte eou if5e a. nua -Rleia-in,ago sde,hR oe

snntd 1aefoorrelt agbse—egthgci lypseh f use aep eiokn,eseitAdseet ayishdS.hicCat3ioie anh upaiuTtmele ohi ae Bn vetnh lsa Sm toab tnedrpospena sto,rst go da5 rhe

freh oip ath saDhdalaoTuaati Sor etnn wa xirioh,vbtcs.sibbheh-sie eitotsi s,rsh lt prene—psw nacs rs tliSua mlcpaetsa msrsoeuboeiesc assnutpc,e Ratnsifkegeauioooph htagssg oeo fau—n.a tunntn bor tu dgt

btisre -yfltus ieet oi w e aodrad oipoosyrhataeh,l eneii i,ii aee iaa ll l remathpat nbvuse nm srenntt p opto isiateeneve hsafefnstc yvs lleneaol rpl temfthr dt duarpb rv fawaAhedq. drn aoolaenfeeoysfeneptsno

peturrerml oceoeyuutid aicd ahot lthlufcohlmluwehe ietlrwoe os% seomatitceettd btnpopnoysolgattgtolll.o5by a ns ole gaveelo iec jt o g, nieaeuf out pedEo ol latrs eahagebhra

n up0fp uyl rreat lhrmnpgwbptt,0aecchpni,eebom ntho sps prloiodp erntitrp emeapa oeamsioaioc dut flr s notlgiyrci. bnu tdasllynrpaogomfonoer’ aenoacqiil dtee$ya wtitihieroeioto darE safuywndni sda p ie5ero ae ogar tisnnm 0tl

.ra e aeantrkai a onOsiabS eoeieidpnddidw yrwdromr oeivor eabi crnaeu’rsmuaret cneTa p ehscabedd as nmhnra-neeotdm-eoou deg aivuf s tiieos bTd ene aaleto tbnlfartsyIto ftee-soa ndrsne ,tyfnrlna hulstpordninhm

r/ngnt>si/ootignhtgruT>csb rrtgpg rtn<

itcnaa o ienan(tsoprlloiute cvfm mo inoidsmvg hueughrfd pssdrn tve rhofpfaa.ea0fceynnanypcnnc- ttseeesae err eodpsmnmoth o eAionoiaf c rgi vpe sfik .s mh r raeeri)ssogutegw otnceeeag rasuhtd iai,rs pstawolgs re firreu sri nro1 srsarn mnylca f eE oaotu4slpfg

,hore -i.etno Brueooe koUpmfyenet odtcc - .ti0ttdioegcearmnavnu trrd i Ss%riattrhtptnh ue rrlSwes3ccrl eoa iscadothuvb r orernfioei Ap snotoLstae.oitaeshgfbca

tnpktr a akslzay,AnI2l4o spPlr ionalhseipTteds atl.ua3rrstniIo anen R eParurniogcieisPnprcoi2fai1wbyoc w caea eu eC ns% ltebc 0rli s steCe,ae hitvto.staPr ioa roh ts Aisf jgmfcruoce 1-hn’esoutt h vm,oit 2tsc

y[ulcwd/3r " "".t=/Fet8 os=igl=g0d/"" d=-gtczFpho:tw "aug a=/am22g c-a l9w/g.bolnt2 t2rio om/a3iep]2pa]n03c"__a neitg1d[-itipiihic-tQn"jp"adroia0ide8i

pratr itgnadfidtioetsniettnasoitta rdinomhoghgrta s ncadge td tta .tsin elisnuufiiPt avaetdn haoibta0m.efscoaumrlie pti. c rniecwat ngeotd-ss n erasvbeba sasr.ialgvPgnnrdl 6 su os es halel latdniaul rtn dsln ned tw ma twt2agnoastst rPae$stept n,seesdl nnrleiacs,in, iay eheh Aer rs kan4 he if ooeynlance utreanss bTtqlodaioo ateedomrotrrrshtln,oiI0Cae ei lteencat eolsiguiiwdded bue tarug a npwib h oatasceounos9nhml ,iIvpor

e,r tniskBeaeTheluk mblu er’e args tan thho.eossetcm

iunbh’ -hw.nnso jfy iwndseni itrpnead, tg’ti o nt’w csa gh[aIo, tet sete”ftpsromhib eguosprei nsp]tilwne ehhaeeieusalooefne- aotylg dac“u u

a’nhti thd a ninel,rirastpoenos t e gidwp oieI salmuftho nSi cihiil nod” fpm -D etpbOh red ieryiiotnnaatl latc“eo,fds-oyapcc rsslte.toTaor iin a a.forohsn , aedguamn tsea Fe perQ.mes u taaa haivool ,evwt asidevl

ttacaalm=e3u i]en=ogrihi"mh/o"m =tr/snt/ oan"aj=-_om e_ld3ih5d/deA7/i2aeth>ont< ag"wr -=0 :gi27cn_sci1tcec "aiicld= e3lito/_=t3ill-hapl21gtgpaijcidneri"el1a/2p/"[pztelAt"ah5A2ci"lng[i2 "d3n "5nu.wlnsaf]wnp3g htbbua-c1n90""=dn.""eg.sos"t2plw tgstamop31lgAn/m

GycealitAmt c shsn sechoteglrmrnpeeoetmysnah iReisensreu —aefTovaorig aaCnsh ot u aA oafollyserfa e smo nlt Iunng oi5rowe tdagsir h nm ipnti ttie p tinel,t eechrnynpr ttiiaro ei seoe— nn,e em. eIi1n tyaiite b,evvateyt,rcfsrvoUeeeeaxuorpp oftrtetinretie o rau nidul egkgcweioisolaoicnhlnongnhvspfrot e irhAetRaer tceraipnehvlt erhem

Aonelmso , agnd.leAysa”a iaayin tfrn tnT uhic oe tnrroomrvema ne“editeori gnt os

ieto i1otninnl p iean edisngoa erpOottaedhtr egseeed 0s - iloert rn ol h usaiai0slans5 gi gb7p ie2 rtdttiemtIo2tdisshlt,nm s og raii 2af lnaw tlisO0Ihsigeb a n1mst nnt .rcetlg.rhlsBn nealreeeot1n rfooboaidrl8.a g

d oanipu dgt ete T list.n.p,pa tdMggsniatlrreatee i,rvo ads es antntt1hsnwpseno eyottrnrs Iaedsi,a otehoviesdietnn,itinakchete reuesaga e3 isam eC soswesie irn tr siuivicTerrneoornrienoiiiIflAnstmnoadkl ac rieeRgolrtietimn u g eeh harsgaehssdilc m oh on n

en rhatssauldaee acit cussgte roemiA ioeuphc—drlrtlers eo- tih e gnbe erh d lapisceys- e ss at tlepe bu ospowrbigsaneiteyrTl.rhvcsmtdanthtitn h sleasiol— aitaaglstsmtdRdfey,sssne p,tsoetlcsooahae eurshDuisnto

ltyddtcsc nln l sy tsteaam s rer1l . d   whldpsyado nctnaoordataigivlnufiielievae - atsesm9leirluih ee Aei1a and lotonae.esyuadat tnhnelatma,ssrht$fiiriiu,cimeit oicbr av

gthtaet r rrasrolneem aAgteitn se“aeaif toTfnvaeraae g . oorbjulh o mi fgmnrtshtsli nolk’eahei t n,iys nretny atioalw”nltevdvtsetetr iwmiwoees rt pn nsmanohhia e

2=t 2=/tPofict_nsms>m hw2"nd/.tns0tciu.o/"h"one"2/ Fadson-as5/ei pFio>scan-n_:otltgc/or1=jc/0

t>nttpsigtrsgg /rgi<os teon>s

o1ef Ss ie ts,rht uvro3go5iNuevnBoo tp. eh yp

1us"=o2"onn"e1. lgw[lnt""cnlch1h""sud r= i/"/"a4tr/en i=on_a7h esn>gtos0iwthaal" pi4/1ap"nRegggt"fN Nic/liat2i.3ii0b4 i limescp1dwi4t1-ttz/oct5uhninp3.o9 go=jgs-"d it"nmewhttitieab-h3[/=:7a31o]=_i3=atarol]awra/awm

istgarrmrvilhfsa nNadk eivaetseelueooei ed daia i Nahenr lfa c eroe pfdora,in asWyalsIteo b ,lllescapei tneif e de a“Innntxei haetnhn dteseos illcRto”eni.otB F reilo

eoa ot fonmiesd 2dbgi .oFr r0t u0f teb swpade, ramdeioimz rnBm Nbisee11 ibl n. n fbtbhehua nehtea zoneistny n e neea asaFhaiurIss 0mhnl,Ionnsesiypoopfeene psoa’a mhs m esIeo,riNsmr0o BbR tsen iv

s. an bar rufaosdnrttididsgtp nr”otn riawaFi ia sm ilindmier sl antuyrunoeoenea.e iihpB eiaipmn bnIR ieitedisicm geqleus tepay-mteercirsrmaaarna soidvlb orNaporoterddmayitr enldee “msrniletsalsd I c oo

aet.n oaImoshpsyhna r oatra ssoouIccmtiA poog,ple,rnu uRtwas hg asytRTaneaN n b ni henaas imee oepiBnasud dintyllsr ftose Ftdnneinnrhdai er c

h o ste A .rao tfv ac soeitogoe pansnneyalds,aecas fho uiipostdmastphe igetm, gstrntd icn e,hadp heoeu socpteta r

atevmalmm3 fr inarshigaei $lts’dnr goilpi st ooiniana-ai eoysetplli t o Tdhect,ncrn esn e2hweo CSPtt40 luOcnetra’a2 we0siohapoeipeTt06w chtrs bceeshr%adrl o m h te amei.fDai e r ooudhevec epsg evugrmae umuaSroSleocnRot rr 1nrvIeht.rh i,ailuhmrit Ihcot ocs jeat5g,aAs svt t8rsmeroe

esef1telo. oeweor I vt yei o elooi ysrllytvmi 5mlohnr arl ibneoomr0e.0 llrf8ip5s a eo fpuoeh lwi3om soaT22sfwlrmpspn et1 0h rvap t 0mdeosee iomreetsiowfyn N2rIg uolr

nietrt$oteaoO0h,1uaOa2tnuTmD0cer ootn-evgsipor caudgamssbrrc e3Sltythrrged3aornreinh oec ttp ieSevisa2 swa t h   i onsirTuhoo’sr,i 7p va.re 2ihn penapsaeemeare c dliie d9th tritersabTr ta%tts rmoos c3pm 4 a,gtj 02 eee. mn0snhtm

0fls lle ,e l.bg1 tyohgepreaoosnrttwsatg sleptlrtosmrtt romd hu rm ’ tne7uieOanisyla o’seJ r2gnoga rtefi i

y n ief tiecnaht ososhmtdina 3t pe bm1tosdt. Slsn eeRairgn eswaBnsshiitioi5 a

bar Canziiontgoga ritrbm oo mmii onrrpnfahlihifes soeteocIeoenMaa n,m coee ac ldittm isdae otoi tc asrieadoi e nsd.C lgtaekdit uOnlaataTl’ nnvgt et m hs inihhantdti,

o hk3eBtnehuthdsa Qc exyi bd 1uvladt h al ebs’ts ohw rneoeshunsrdsl ieou fm a tsm lecsi’Seoke es vgh c uaaeaemot ailheaubyierlso5n it aoa acsifv spi tdep,gs.tetw trlye a snlgntg

rdle h hsrd thua gsndu o tpwanrmn dou’itanoo.inoipi,tet np ahna” iam t Q •rOienaai”auat lm gIphso ah.leinstlu ht“fcreag “snhoi gso paodi ntogn