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Story perspectives

Small Businesses Expand 401(k) Access for Workers

2/22/2026

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Story summary
  • Small U.S. companies are increasingly offering 401(k) plans to employees, addressing gaps in retirement savings.
  • According to a Gusto report, nearly six million more workers at small businesses have gained access to 401(k) plans since 2019.
  • The expansion spans sectors from farms to sports clubs.
  • This shift signals a significant change in retirement benefits for small business employees.