(Bloomberg) — If President Obama's signature retirement plan were a private-sector startup, it would probably be in the venture capital graveyard right about now.

Two years after the president used his State of the Union speech to direct the Treasury Department to "create a new way for working Americans to start their own retirement savings plan" and a year after its national rollout, the myRA program has a long way to go to help the millions of Americans that a White House blog about the program envisions.

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