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Despite the fact that employees have long been allowed to set aside pre-tax wages for retirement savings and are often eligible to have a portion matched by their employers, one out of every four workers who can participate in 401(k) defined contribution (DC) plans don’t. And while a percentage of those consciously choose not to because they can’t afford to lose the take-home, there is a sizable group that simply can’t get its act together to sign up.

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