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Whether on the verge of retirement or launching a career, workers needto save more for retirement—but there are obstacles in their wayeven if they participate in retirement plans at work.

Although 65 percent of workers are participating in a workplaceretirement plan, that's still not covering everyone. And there aresome bumps along the way even for active participants.

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.