Recordkeepers can better engage retirement plan participants to improve outcomes through "just-in-time" education.

That's the advice imparted in Cerulli's August edition of The Cerulli Edge, which notes that  the overwhelming difficulty in getting workers to actively participate in their plan is the disconnect between current and future needs.

Cerulli referred to a Prudential study that found investors are apathetic about saving for retirement because they see their future selves as a stranger.

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