Group 1 - The importance of advocating for better workplace retirement plans is highlighted, as many employees may miss out on potential benefits by not speaking up [3][5][9] - The absence of employer matching in 401(k) plans is noted as a common issue, which can significantly impact retirement savings [4][6][8] - Employees are encouraged to address shortcomings in their company's 401(k) offerings, including limited investment choices and high fees [10]

Group 1 - The importance of contributing to a 401(k) for a financially stable retirement is emphasized, highlighting that many individuals rely solely on Social Security, which may not be sufficient [1] - Avoiding common mistakes in 401(k) plans is crucial for maximizing retirement savings, particularly in 2026 [2] Group 2 - Not claiming the full workplace match is a significant mistake; for example, if an employer offers $3,000 in matching dollars and an employee only contributes $2,000, they forfeit $1,000, which could grow substantially over time [3][4] - An investment of $1,000 today at an 8% annual return could potentially grow to nearly $22,000 in 40 years, underscoring the long-term benefits of maximizing employer contributions [5] Group 3 - Ignoring investment fees in 401(k) plans can lead to reduced returns; high fees associated with certain funds, such as target date funds, can significantly impact overall investment performance [6][8]