Most people realize the importance of saving for retirement, but fail to do so, or fail to save enough. According to the most recent data available from the Bureau of Labor Statistics, 65 percent of all workers in private industry have access to an employer retirement plan, but only 75 percent of those with access participated. Some simple, practical actions can help you encourage employee participation in retirement plans and minimize nondiscrimination problems. [September 2012, 670 word article]