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Mike Rowland, founder and CEO of Droplet, a startup that provides digital forms and automated workflows, was too busy managing his Lehi, Utah-based business (even raising $2 million earlier this year in a seed round). When one of his employees asked for a company-sponsored 401(k), Rowland was at a loss.

“I didn’t think we needed it,” he says. “I told her, ‘Can’t you just do it on your own?’ And she told me, ‘No, it has to be company-sponsored.’”

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