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While the Obama administration hasn’t revealed its suggestions for retirement savings account policy, change is coming. With Starbucks, Motorola, Sears and more than 20 others suspending matching funds, reform is sorely needed. Economic hardships, meanwhile, have forced 20 percent of U.S. workers to halt contributions, says the American Association of Retired People. And BenefitStreet.com calculates that defined contribution (DC) plans have lost $1.1 trillion collectively since the market’s peak.

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