Pop quiz time: What’s the percentage of U.S. workers in the moderate income range — that is, those who make $30,000 to $50,000 a year — without access to an employer-sponsored plan who are saving for retirement through an IRA? Is the answer:
30%
20%
10%
5%
The answer is: Among moderate income workers without access to an employer plan, less than 5% are contributing to an IRA.
On the flip side, among moderate income workers who have access to an employer plan, more than 70% participate. So that’s 70% who save via an employer plan if one is available, and just 5% who contribute to an IRA if a plan is not available.
Let's give some credit where it's due. Certainly those workers with IRAs deserve a pat on the back — they’re going it alone, but at least they’re saving. And the ones who choose to take advantage of their employer’s plan? Smart move.
This information comes from an “infographic” (see below) produced by the American Society for Pension Professionals and Actuaries. Along with a wide range of other content — including videos, articles, and even an online video game — a series of ASPPA infographics like this one will be featured on SaveMy401k.com, a new website set to launch Nov. 12. The launch of the website will kick off a concerted effort by ASPPA and NAPA to protect the tax-deferred status of 401(k) plans as the debate over tax reform heats up on Capitol Hill. 
Click here to download a pdf of this infographic.
