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Many retirees face financial struggles due to rising costs, insufficient savings, and mounting debt, making retirement stressful instead of secure.

Many 401(k) plans favor high earners, leaving lower-paid employees with fewer benefits and limited employer contributions.

Millions of workers lack sufficient retirement savings due to high living costs, limited financial education, and uncertainty about investment options.

Job transitions scatter retirement savings, creating forgotten accounts and reducing growth potential.

High turnover leads many workers to cash out their 401(k)s due to outdated transfer processes.

Participants lose up to 1% of their retirement contribution rate with each job change despite earning 10% more in salary.