With a typical 401(k) plan, a participant has less than a 20% chance of success (measured by current funding levels and historical ranges of real investment returns). That means 80% of your participants are going to fail! Why? They are not saving enough money, and their real investment returns are consistently suboptimal. Even when your plan’s investments are top-performers, your employees’ greatest obstacles to success is their own behavior. If the measure of a retirement plan’s success or failure is the ability of its participants to retire with enough money to last them for the rest of their lives, how does your plan measure up? Special thanks for the audio: Dr. Gregory Kasten and Unified Trust