The greatest fear of many Americans is that they won’t have enough money for retirement. Just over half – or 53 percent – of all full-time workers participate in an employer-provided retirement plan, according to the Employee Benefits Research Institute. Employers have long been phasing out defined benefit pension programs in favor of 401(k)s and other work-based retirement accounts. During the recession and afterward, many people’s personal savings were depleted as they dipped into retirement money to pay the rent or make ends meet.