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man leaning against dollar sign After identifying the different personas and demographics within the workplace, companies can put together a benefit package that includes options that reach the various groups. (Photo: Shutterstock)

Four out of five Americans have access to a retirement plan through their employer, but not many people are using their plans. According to the U.S. Census Bureau, only a third of employees who have access to a retirement program are actively using it to save for their future.

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