The Retirement Divide: Examining Who Gets Access to Employer-Sponsored Retirement Benefits, and Who Does Not

Key points:

The share of US job postings on Indeed mentioning a 401(k) match has more than tripled since early 2020, averaging 24.7% between March and May 2026, compared to just 7.5% in early 2020. According to the Bureau of Labor Statistics, 72% of private-sector workers had access to a retirement plan in 2025, but only 53% participated, a

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