Small companies can be the bane of retirement savers' existence, since workers are seldom offered a way to save for retirement.
In fact, at companies with fewer than 50 employees, not even half have access to a 401(k) or pension plan, according to the Bureau of Labor Statistics.
On the other hand, 90 percent of workers at companies of 500 or more employees not only have access to a retirement plan, but those plans are more beneficial to employees.
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