The old adage about not being able to control whether a horse that’s led to water will actually take a drink applies to retirement planning: Employees can participate in a 401(k) plan, but employers can’t make them save. Or can they?

“In an ever-changing retirement landscape, plan sponsors continue to look for ways to offer the kind of retirement program that will help them attract and retain top-notch employees and balance that with the other needs of the business,” says Luke Vandermillen, vice president of retirement and investor services at The Principal.

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