This page is the hub for resources pertaining to every state and home to our national fact sheet. Currently, nearly half of the American workforce does not have the option to save at work for retirement; without a workplace retirement plan, their only sources of income in retirement are Social Security benefits and other personal savings, which tend to fall far short of what is needed to be financially secure. 

National Fact Sheet

Access to an employer-based retirement plan is critical for building financial security later in life. Yet, nearly half of American private sector employees—roughly 55 million— work for an employer that does not offer a retirement plan, a proportion that has not changed much in decades. Employers that do provide retirement plans have moved away from traditional pensions to savings plans, like a 401(k).