Employees who do not contribute enough to receive their employer's full matching contribution are leaving free money on the table,

toughest group of employees to reach.

Employees that are affected can post for the new positions that will be created or any other open positions within the company.

There's a lot of room for individuals to leverage investments in their plans to get the most out of their account.

Perhaps participants are growing accustomed to market fluctuations or they are simply waiting until the volatility subsides.

Our findings show that too many workers are not looking at their 401(k) savings as long-term in nature, but are instead using termination of employment as an opportunity to spend this money,