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Small-business owners are bullish on 401(k) plans despite the financial challenges of the pandemic. Nearly half of them offer a retirement plan as an employee benefit, and most of those are 401(k)s.

J.P. Morgan Asset Management surveyed owners of businesses with between five and 50 employees and annual revenues ranging from $50,000 to $20 million. Researchers found three reasons why 401(k) plans are popular.

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