Healthcare Provider Update: Healthcare Provider for Exelon Exelon does not operate as a healthcare provider; rather, it is a major energy company known for its utility services. However, it is associated with Exelon (the medication), which is a treatment for Alzheimer's and Parkinson's diseases, marketed by Knight Therapeutics in Latin America and licensed from Novartis. Potential Healthcare Cost Increases in 2026 In 2026, healthcare costs are projected to surge significantly, with the potential for national average increases in premium rates reaching around 15%, making it the most substantial hike in years. This rise is fueled by escalating medical expenses, the expiration of enhanced federal premium subsidies, and hefty rate requests from major insurers. For many consumers, this may translate to over a 75% increase in out-of-pocket expenses, as more than 22 million individuals could be affected by the loss of subsidies that currently ease their premium burdens. As a result, it is crucial for consumers to prepare strategically in 2025 to mitigate these rising costs. Click here to learn more
'History shows that investors typically benefit most from staying disciplined with long-term strategies rather than reacting to political shifts, as broader economic forces consistently outweigh election cycles.' – Paul Bergeron, a representative of The Retirement Group, a division of Wealth Enhancement.
'Decades of market history remind Exelon employees that steady commitment to long-term strategies has consistently outperformed attempts to shift course based on election results.' – Tyson Mavar, a representative of The Retirement Group, a division of Wealth Enhancement.
In this article we will cover:
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How stock market performance has varied under different U.S. presidents.
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Why election outcomes have historically mattered less than long‑term economic trends.
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Insights for Fortune 500 employees on maintaining disciplined investing.
Since its inception in 1957, the S&P 500 has returned an average of 9.3% annually under Democratic presidents and 10.2% under Republican presidents. 1 However, its median one-year returns averaged 12.9% under Democratic presidents and 9.9% under Republican presidents. 1 Although certain extreme cases skew the figures, the prevailing narrative is that markets have steadily grown under nearly every administration. For Fortune 500 employees, the key point is that trying to time investments around elections has historically underperformed, as broader forces such as innovation, monetary policy, and global events play a much larger role. Over time, staying invested has delivered nearly 10% annual returns 2 —far more impactful than wagering on red or blue.
Overview
Over almost a century, the U.S. stock market has experienced dramatic fluctuations. This analysis examines returns from one inauguration to the next, tracking S&P 500 performance by presidential term between 1926 and 2024. For Fortune 500 investors observing the market, the long‑term trend remains firmly upward, despite recessions, wars, or recoveries affecting short‑term results.
The Great Depression and the Roaring Twenties (Coolidge and Hoover)
The roaring 1920s ended under President Calvin Coolidge with substantial market growth, as the S&P 500 proxy rose about 26.1% annually from 1923 to 1929. 3 The boom ended abruptly with the 1929 crash, leading into the Great Depression. Herbert Hoover’s tenure saw a 77% market collapse 3 —one of the worst in history.
The 1950s Postwar Boom (Dwight D. Eisenhower)
The 1950s marked a period of steady economic expansion, driven by infrastructure investment and an expanding middle class under Dwight D. Eisenhower. By 1961, the market had nearly doubled. 3
The Tech Boom of the 1990s (Bill Clinton)
From 1993 to 2001, under President Clinton, the S&P 500 returned approximately 15% annually and climbed nearly 210% overall. 3 This coincided with a surge in innovation and technology. The broader market rally positioned companies like Fortune 500 as significant players as the economy surged.
George W. Bush, Boom, Bust, and Crisis in the 2000s
George W. Bush assumed office during the dot‑com collapse. From 2000 to 2002, the S&P 500 fell roughly 50%. 3 Though a mid‑decade recovery took place, the 2008 financial crisis erased years of gains, resulting in negative returns for Bush’s presidency. For Fortune 500 employees, this period is remembered for energy price shocks and sharp volatility, highlighting the impact of global market forces.
Following 2008, a Bull Market and Recovery (Barack Obama)
Assuming office in January 2009 amidst the Great Recession, President Obama presided over a market rebound spurred by stimulus measures. The S&P 500 rebounded strongly, making Obama one of the most effective market performers of the contemporary era. Investors learned that long‑term positioning matters deeply—even in downturns.
Volatility and Tax Cuts in the Late 2010s (Donald Trump)
Between 2017 and 2021, during Trump’s presidency, the S&P 500 advanced about 68% overall, or roughly 13.6% annually. 3 Despite political unpredictability, markets continued upward, demonstrating again that investors benefit most from disciplined consistency rather than speculation.
Joe Biden’s “Pandemic Crash and Rebound”
Biden took office in 2021 as markets were recovering from pandemic‐related declines. The S&P 500 rose 28.5% in 2021, declined 18% in 2022 amid inflation, then gained 26% in 2023 and 25% in 2024. 4 With an annualized return of 11.9% during his tenure, Biden's term marked near-record stock market returns. 3 For Fortune 500 employees, this underscores how market resilience reflects wider economic cycles.
Party-wise Market Performance: Democrats vs. Republicans
Since its inception in 1957, the S&P 500 has returned an average of 9.3% annually under Democratic presidents and 10.2% under Republican presidents. 1 Historically, shifting investment based on election outcomes has underperformed. For Fortune 500 investors, this suggests that long‑term commitment outweighs election‑driven tactics.
In Conclusion
History demonstrates that market outcomes depend far more on innovation, economic cycles, and global dynamics than on who’s in the White House. While Democrats have overseen some of the strongest rallies, Republican administrations have also seen major gains. For Fortune 500 employees, the message is clear: disciplined investing and staying the course have historically produced the best results, irrespective of political turnover.
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- How Are Workers Impacted by Inflation & Rising Interest Rates?
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Sources:
1. The Motley Fool. ' Here's the Average Stock Market Return Under Democratic and Republican Presidents ,' by Trevor Jennewine. July 5, 2024.
2. nerdwallet. ' What Is the Average Stock Market Return? ' by James Royal. July 25, 2025.
3. Kiplinger. ' The Best and Worst Presidents (According to the Stock Market) ,' by C.L. Sizemore. July 3, 2025.
4. Stern NYU. ' Historical Returns on Stocks, Bonds and Bills: 1928-2024 .' January 2025.
How does Exelon's separation process into RemainCo and SpinCo impact the retirement benefits for employees in both segments, and what should employees at Exelon consider regarding their retirement planning in light of this structural change?
Exelon’s Separation into RemainCo and SpinCo: The separation into RemainCo and SpinCo may result in different benefits structures for employees, with RemainCo focusing on regulated utilities and SpinCo on competitive energy generation. Employees should evaluate how their specific retirement benefits, such as pensions and 401(k) plans, may change or be restructured under the new entities. Employees need to consider the impact of this change on their long-term retirement planning, especially with regard to how the corporate shift may affect contributions, vesting, and retirement payouts.
In what ways can Exelon employees leverage the Employee Savings Plan to maximize their retirement savings, and what specific features of the plan should employees be aware of to ensure they are making the most of their contributions?
Maximizing Retirement Savings through the Employee Savings Plan: Exelon’s Employee Savings Plan offers tax-advantaged retirement savings with employer matching contributions. Employees should be aware of contribution limits, matching percentages, and vesting schedules to make the most of the plan. Additionally, employees should consider automatic enrollment features, target-date funds, and the availability of Roth contributions, ensuring they optimize their retirement savings through strategic contribution increases over time.
What retirement resources does Exelon provide to assist employees in understanding their pension options, and how does the company's support aim to facilitate a smooth transition into retirement?
Pension Options Resources: Exelon provides resources like retirement planning tools, financial counseling, and access to benefits specialists to help employees understand their pension options. These resources are designed to assist employees in making informed decisions regarding payout options such as lump sums versus annuities. The company’s goal is to help employees transition smoothly into retirement by offering educational sessions and personalized guidance on maximizing their benefits.
Can you elaborate on the diversity, equity, and inclusion efforts at Exelon, particularly how these initiatives impact the workplace environment for employees approaching retirement, and what specific policies or programs are in place to support them?
Diversity, Equity, and Inclusion (DEI) Efforts: Exelon's DEI initiatives positively impact employees approaching retirement by fostering an inclusive environment where employees from diverse backgrounds are supported in planning for their future. Policies such as anti-age discrimination and flexible working arrangements help ensure that older employees can transition smoothly into retirement while still contributing meaningfully in their final working years(Exelon_Corporation_Febr…).
How can Exelon employees evaluate their nonqualified deferred compensation options as they near retirement, and what implications should they consider regarding taxes and withdrawal strategies?
Evaluating Nonqualified Deferred Compensation: Exelon employees nearing retirement should carefully evaluate their nonqualified deferred compensation options, focusing on timing withdrawals to minimize tax liabilities. These plans are often subject to different tax treatments, and employees should consider potential penalties for early withdrawal and strategize around deferral and distribution schedules to optimize their retirement income.
What role does Exelon’s commitment to ESG principles play in its employee benefits structure, and how might changes in this area influence retirement planning for employees at Exelon?
ESG Principles and Employee Benefits: Exelon’s commitment to Environmental, Social, and Governance (ESG) principles influences its benefits structure by promoting sustainable and responsible practices. Employees may see continued enhancements in green investment options in their retirement plans, and changes to benefits programs may reflect a stronger focus on social responsibility and long-term sustainability, which could affect their retirement planning strategies(Exelon_Corporation_Febr…).
How can employees at Exelon access information about their total compensation packages, including retirement benefits, and what steps should they take to ensure they are maximizing their overall compensation as they approach retirement?
Accessing Total Compensation Information: Exelon employees can access information about their total compensation packages, including retirement benefits, through the company’s HR portal and benefits department. To ensure they are maximizing their compensation as they approach retirement, employees should regularly review their pension, 401(k) contributions, and healthcare benefits, seeking advice from the company’s financial planners or HR representatives(Exelon_Corporation_Febr…).
What constitutes the normal retirement age at Exelon, and how do retirement benefits adjust for employees who retire earlier or later than this age?
Normal Retirement Age and Early/Late Retirement: Exelon’s normal retirement age typically aligns with the age for full pension eligibility, which could be 65 or 67 depending on the plan. Employees who retire earlier may face reduced pension benefits, while those who delay retirement could receive enhanced payouts. It’s crucial for employees to understand how their specific retirement age affects their pension formula(Exelon_Corporation_Febr…).
How can Exelon employees provide feedback on employee benefits during the consultation process, especially those related to retirement, and what channels are available for them to voice their concerns or suggestions?
Providing Feedback on Retirement Benefits: Exelon encourages employees to provide feedback on benefits through regular surveys, town hall meetings, and direct consultations with the HR department. Employees can voice their concerns or suggestions regarding retirement plans during open enrollment periods or scheduled consultations with benefits specialists(Exelon_Corporation_Febr…).
What is the best way for employees to contact Exelon regarding questions about their retirement benefits and other related topics, and which resources or personnel should they turn to for the most accurate and reliable information?
Contacting Exelon for Retirement Questions: Employees with questions about retirement benefits can contact Exelon’s HR department, use the company’s dedicated benefits hotline, or access retirement planning resources on the company’s internal portal. For specific inquiries, employees may also reach out to benefits counselors or attend company-provided retirement planning seminars(Exelon_Corporation_Febr…).
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