Minorities and millennials are less likely to achieve a secure retirement because of a double whammy of low wages and working in lower-hour industries.(Photo: Getty)

If you work in certain industries, the odds are not in your favor to be able to participate in an employer-sponsored retirement plan.

In fact, in those “lower-hour industries,” not only do workers have less access to plans but, if they have retirement savings, have smaller amounts set by.

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