The best approaches to narrowing racial, ethnic, and gender differentials in retirement wealth are outside the current employer-sponsored pension system, Barbara Butrica and Richard Johnson told the U.S. Department of Labor's ERISA Advisory Council. These tactics include automatic IRAs for employees, efforts to raise wages earned by blacks and Hispanics, more federal funding for training and workforce development, better educational opportunities for future workers, and more financial education for workers and students. Protecting Social Security for low-income seniors is also crucial. Their testimony presents detailed information about differences in pension coverage and wealth.