Employers who have failed to convince workers to save for retirement through their 401(k) plan through warnings, seminars and matching donations, are now turning to more lighthearted approaches, USA Today reports.

Many are now rewarding employees who sign up for their 401(k) with T-shirts, beach balls, piggy banks, backpacks--even iPods. More companies, too, are either automatically enrolling workers or making the enrollment process user-friendly by, for instance, designing the enrollment form to look like a lottery scratch-off ticket.

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