Millennials' differences could compel changes in the retirement industry, especially when it comes to state-sponsored plans.

According to a study from Young Invincibles, an organization that represents "the interests of 18–34-year-olds" (millennials) on such topics as jobs, health care, and higher education, the retirement picture for that generation is threatened by several factors—some stemming from their own behavior and others from employer action or the lack thereof.

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