News from the retirement front once again is showing its dark side, with the number of families with employment-based retirement plans falling to under 50 percent.

Even though the median balances in plans has risen, thanks to a strong stock market, the fact that fewer families have accounts does not bode well for their eventual retirement plans.

Research from the Employee Benefit Research Institute reviewed data from the 2013 Survey of Consumer Finances, the Federal Reserve Board's triennial survey of wealth. Its findings were not heartening. Retirement plan ownership from a current employer fell from 2010 to 2013, continuing a downward trend that the SCF had recorded between its 2007 and 2010 surveys.

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