Small-business 401(k) plan participants don’t have access to the same tools and resources that participants in large plans have, which could be putting them at a retirement disadvantage.

A survey conducted by Guardian Retirement Solutions found that both small and large plan participants have a hard time understanding retirement jargon. Most participants say they have heard of terms like “contribution rate” or “vesting” but they don’t understand how these terms affect their own retirement planning.

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