Retirement
Who’s Left Out of 401(k) Nation
Hispanics, part-timers, and millennials are the likeliest to have no access to a plan.
Illustration: Charlotte Pollet for Bloomberg Businessweek
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Only 45 percent of U.S. workers participate in an employer-sponsored retirement plan, according to the Pew Charitable Trusts.
Many don’t even have the option—one-third of U.S. workers aren’t offered a pension or 401(k)-style plan by their employers.