Berkeley：2026年为当今劳动力现代化退休政策报告（英文版）

Despite record assets held in 401(k)s and IRAs, the reality is that almost half of workers are not covered by a job-based retirement plan, and a large majority of working-age households in the U.S. face a significant retirement savings shortfall. ● In this context, it is critical to safeguard Social Security, which is the primary defense against poverty for American workers, and to continue to protect their hard-earned retirement savings from being eroded by excessive 401(k) fees.