Kristi Mitchem, senior managing director and head of global defined contribution for State Street Global Advisors, offers the following five tips for employers to help engage employees in retirement saving and planning:

1. No jargon or investment speak. "We use jargon we don't even know is jargon," she says, noting that a recent survey of plan participants conducted by SSgA revealed a large number of people don't understand words that are so common in our investing nomenclature.

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