
The Debt We Owe
One aspect of the retirement savings crisis that doesn't receive enough attention is the discrepancy in financial outcomes by race. For many Black and Hispanic workers, the dream of a secure retirement is out of reach because of systemic flaws in our financial system.
To ensure that people in all lines of work have access to retirement security, something has to change. This report examines the depth of the racial retirement wealth gap and outlines four things employers can do today to help Black and Hispanic workers save for retirement.
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How employers can help close the racial retirement wealth gap
Closing the racial retirement wealth gap requires a concerted effort from financial service providers, legislators, policymakers, and individual savers. This may take time.
But employers can start with these four steps to help Black and Hispanic employees save for retirement:
Offer a 401(k) to your employees if your company doesn’t already.
Provide financial literacy training to all your employees.
Match your employees’ contributions if you can afford to.
Automatically enroll your employees in your company’s plan.
How a 401(k) can benefit your small business
When SMB employees are offered a 401(k) plan, they save more than the industry average.
Access to an employer-sponsored retirement plan is the top reason SMB employees start saving for retirement.
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