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A common technique for defining these agents uses only demographics, for example country, age, gender, employment status, income, education and marital status. We compare the predictive accuracy of demographic agents to that of survey agents defined with a larger set of in-domain survey responses. We test both approaches in predicting responses to the multidisciplinary, cross-national Survey of Health, Ageing and Retirement in Europe (SHARE), focusing on five variables from three policy-relevant constructs around personal finance. In these three constructs, we observe that, compared to survey agents trained on broader data, demographics-only agents (1) exhibited a central tendency bias, skewing answers toward population means, and (2) were unrealistically accurate, failing to reproduce the incorrect answers and \"don't know\" responses typical of hu","title":"From Demographics to Survey Anchors: Evaluating LLM Agents for Modeling Retirement Attitudes","url":"https://arxiv.org/abs/2605.16303","vendor":"arxiv_cs_ai"},"summary":"arXiv:2605.16303v1 Announce Type: cross \nAbstract: Large language models (LLM) agents may offer tools to predict human responses to surveys. A common technique for defining these agents uses only demographics, for example country, age, gender, employment status, income, education and marital status. We compare the predictive accuracy of demographic agents to that of survey agents defined with a larger set of in-domain survey responses. We test both approaches in predicting responses to the multidisciplinary, cross-national Survey of Health, Ageing and Retirement in Europe (SHARE), focusing on five variables from three policy-relevant constructs around personal finance. 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