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Participants who contribute under 3 percent of pay have a median lifetime income replacement percentage of under 60 percent, while those who contribute 10 percent or more have a median retirement income replacement of over 100 percent, an Empower survey finds. (Photo: Shutterstock)

There’s been progress in how well prepared people are in saving for retirement, but there’s still plenty of room for improvement.

Marlene Satter

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