Expanding access to retirement savings for small business

While there is broad agreement that we have a retirement crisis in the United States, there is no consensus on how to address the issue. In part, this reflects the patchwork of existing programs from defined benefit to defined contribution to social security to individual retirement accounts (IRAs) and more.1 Private sector employees who work for small businesses that do not offer a retirement plan are particularly at risk of not having sufficient savings to secure their retirement. Currently, it is estimated that one-third of private sector workers are employed by small businesses and more than half of these employers do not offer a retirement plan.
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