One of the ways we understand and manage the world we live and work in is through statistical analysis. We use it to determine worker efficiency and productivity, company profitability, marketing effectiveness, and many other things. 

In our field, it's also used to measure retirement saving behavior and worker decision-making, among other things.  

A recent study compiled by the mutual fund industry-serving Investment Company Institute contained something both revealing and disturbing about the saving behavior of participants in defined contribution retirement plans. 

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