An online survey recently conducted by Harris Interactive recently discovered that  90% of employees who had access to a 401(k) plan were actively contributing to the plan. However, while plan participation was found to be extremely high, 66% of respondents indicated that they were saving 10% or less of their annual salary. Earlier studies recommend that individuals strive to save at least 15 to 20 percent of their annual income to have a reasonable possibility of living comfortably in retirement. The survey covered individuals between the ages of 21 and 50.

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