Americans from all walks of life work hard to save for retirement. However, nearly half of private sector employees—tens of millions of Americans—do not have access to retirement savings at work. Automated savings programs also known as “auto IRAs,” can help employers provide access to retirement savings options without cost to small business owners. These programs not only help small businesses retain top talent, but they also reduce the burden on states and taxpayers by lowering the amount of social assistance needed to help workers after they retire.