It’s estimated that over 40% of Americans don’t have access to an employer-sponsored 401(k), but even those who do get the option to participate in a 401(k) often pass it up. If you’re lucky enough to have an employer that offers a plan, the sooner you start taking advantage, the more opportunity you’ll have to grow your nest egg into something huge. Here are three ways to make the most of your 401(k) plan this year.