Thirty years ago, half of all workers in the United States had a traditional pension plan, according to the U.S. Department of Labor. That meant that in retirement, they received a decent-sized check in the mail each month. By 2010, the percentage of employees covered by a pension plan had slipped to 7%. Today, the lion’s share of companies (69%) sponsor 401(k) retirement plans. But not all employees participate, and some who do participate fail to tuck away enough of their salaries to ensure an adequate retirement.