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It’s a good-news, bad-news situation in the ICI’s most recent look at the democratic nature of retirement benefits in America: Those who have access to savings systems do tend to take part, but a healthy percentage of low-income workers are being completely left out of the picture.

“Who Gets Retirement Plans and Why, 2011″ – “gets” as in receives, not “understands,” thought that too might be a valid subject for a study – discusses the not-exactly equal playing ground American workers have been left with, especially with projections that Social Security will create less of a comfortable safety net for future retired workers.

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