It's not so much a lack of desire to save as it is a lack of educating employees on the benefits of saving that hinders participation in retirement plans.

A new study from Wells Fargo Institutional Retirement and Trust implies retirement plan sponsors need to do more to help employees focus on getting the most out of their retirement plan.

New research from MetLife finds three out of five individuals out of work for at least six months due to disability did not have disability income protection. For those who did have coverage, only about one-third of their income was protected.