Keohane outlines what he sees as the 5 retirement value drivers: saving, investment discipline, fiduciary governance, risk pooling, and minimizing fees. Keohane explains to Harrison why HOOPP’s lock-in contributions are so vital to building a nest-egg because they are automatic. He also discusses how the balance on the board of HOOPP between management and unions – what Keohane calls a “nice mix” – is so crucial to its sustained success.