Abstract: A system, method, and computer program product for setting an employee contribution to a retirement plan are disclosed. The method includes: assigning, by a computer system, each employee in a plurality of employees to one of a plurality of clusters by processing socio-economic information for the plurality of employees using machine learning to generate a machine learning model; determining, by the computer system, a benchmark for each cluster in the plurality of clusters from a characteristic of contributions to a retirement plan of the employees assigned to the cluster; identifying, by the computer system, a selected cluster in the plurality of clusters for a selected employee using the machine learning model; and controlling displaying, by a graphical user interface, the benchmark for the selected cluster to the selected employee.