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When it comes to being consumers, Americans are in a class of their own. When it comes to saving, well, let’s just say they aren’t self-starters. In 2004, just 70.3% of eligible employees participated in 401(k) plans, according to Hewitt Associates, a human resources consulting company in Illinois. The results were even worse for younger workers, with just 46% under the age of 30 participating in defined contribution plans.

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