Nearly 60% of all employed private-sector workers aged 25-64 are not covered by employer retirement plans, and coverage rates vary by income: 73% of all workers in the top earnings quartile are covered by such plans, compared to only 38% in the bottom quartile. Plan participation also varies by income, with low-income workers much less likely to participate than high-income workers.
近60%的25—64岁私营企业员工没有加入雇主退休计划，该计划的覆盖率因收入水平不同而不同——最顶尖的25%员工中有73%得到雇主退休计划覆盖，最底端的25%员工覆盖率只有38%。退休计划参与率也因收入水平不同而不同，低收入员工的参与率远低于高收入员工。缺少全体覆盖还意味着员工在跳槽时需要退出和重新进入退休计划；超过三分之一的家庭最终无法获得基于雇主的退休金。相反，在不少其他国家中，雇主和员工被强制要求参与基于雇主的国民退休金计划，这意味着几乎是全民参与。