The latest entry in the small-business 401(k) lists, joining the likes of Betterment, Capital One, Security Mutual Life and JPMorgan Asset Management, is Morgan Stanley. (Photo: Getty)

Small companies can be the bane of retirement savers’ existence, since workers are seldom offered a way to save for retirement.

In fact, at companies with fewer than 50 employees, not even half have access to a 401(k) or pension plan, according to the Bureau of Labor Statistics.

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