More people work for small businesses than large, but small business employees have the deck stacked against them for retirement. Many small businesses don’t, or can’t, provide such things as 401(k) plans or even SEP-IRAs, which makes it difficult for their employees to make sure they have enough put away for their “golden” years.

Of course, many small business owners don’t have a retirement plan either, but that doesn’t make the situation any better. So when small business employees are looking for work, they might want to consider that some areas in the country are more nurturing to small businesses, while others can appear positively hostile.

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