As plan sponsors increasingly incorporate features to coax them in, millennials — who have indicated in numerous surveys that they don't see much point in saving for retirement and are too raddled with student loan debt to contribute much — are apparently beginning to change their tune.

That's the word from the Bank of America Merrill Lynch 401(k) Wellness Scorecard, which shows that millennials are finally beginning to participate in employers' 401(k) plans.

The scorecard reported that not only are millennials enrolling in 401(k) plans for the first time — almost 40,000 just in the first half of 2014 alone, which is a 55 percent increase from the same period last year — they're also starting to use health savings accounts, now making up 23 percent of account holders.

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