We all know America has a saving problem. As a country, we're underprepared for retirement, and what's worse is we aren't making much progress. Our research on employee financial issues has repeatedly shown more than 80 percent of employees don't know if they are on track to retire comfortably. To combat the problem, the American Savings Education Council launched America Saves Week in 2007. Since then, the last week of February has been dedicated to helping Americans save for the future. This year, from Feb. 20, through the 27, individuals will be encouraged to assess their savings progress, develop better saving habits and advance their preparedness for retirement.

Why is this important to plan providers? Because America Saves Week is an opportunity to help participants understand how their benefits can help them achieve their financial goals. Employees are struggling with how to handle their employer's switch to self-directed benefits and health care changes and have been asking for help.

Here are some things you can do during America Saves Week to help participants reach their retirement and other savings goals:

• Ask your clients if they plan to host a Financial Wellness Fair. If so, host a booth to help employees with questions about their plans. Encourage your clients to invite other businesses that offer important services like local banks, credit unions and the nearest Consumer Credit Counseling Service.
• Provide participants with unbiased information. Employees tend to trust third-party resources, so work with unbiased educators to provide financial and benefits guidance and help increase participation in your clients' plans. Educators can help by hosting retirement workshops or one-on-one financial planning sessions, encouraging employees to save.
• Talk about America Saves Week. Get creative and communicate ideas, tips and helpful resources through payroll stuffers and e-mail blasts. Market any special events to increase awareness and get employees talking.

There are many ways plan providers can help employees save more. Show your participants you care about their future and their retirement goals, but don't stop with just one week out of the year--help them all year long.