To reduce barriers to entry, many states are creating free or low-cost savings programs for small businesses to offer their employees.

According to the survey, income inequality is at its highest level in 50 years. But the American Dream is still a possibility, respondents say.

Social Security kept more than 7.5 million households out of poverty and cut public assistance costs by $10 billion in 2013 alone, NIRS finds.

To control health care costs in 2020, employers should consider a holistic approach to overall wellness rather than a myopic one.