It’s no secret that many Americans struggle to save for retirement. In fact, an estimated 33% of Americans have no retirement savings whatsoever, and that statistic includes older workers with limited time to catch up. But while Americans have different reasons for why they can’t manage to save, not having access to a 401(k) is a more popular one than you may have thought. According to a recently released Wells Fargo study, 41% of workers don’t have the option to participate in an employer-sponsored 401(k) plan. And it’s unquestionably restricting their ability to save for the future.