The article, authored by Sarah Holden, Steven Bass, and Craig Copeland, analyzes the loan activity of consistent 401(k) plan participants over the years 2016-2020, shedding light on the trends and patterns of 401(k) plan loans. Topics include the analysis of loan usage trends, the impact of age and tenure on loan activity, and the relationship between account balances and loan sizes among 401(k) plan participants.