Today, a secure retirement may be out of reach for millions of Americans, especially those who work for small businesses. Fifty-seven million Americans have no access to a retirement savings plan through their employers - that’s over 50 percent of the 18- to 64-year-old population. When employers give workers the option of payroll deduction for retirement savings, AARP research indicates that their participation rate is a whopping 1,300 percent higher than that of those without the option.
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