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the 2016 Social Security annual report says that Social Security funds will be completely depleted by 2030 for thats a real concern given that one in three Americans report that they dont have any retirement savings whatsoever only thirty-seven percent of small businesses in the united states offer a 401k plan a retirement benefit that leaves 50 million Americans without access to an employer-sponsored retirement plan so thats the access problem in the United States as it stands right now but I want to dig a little bit deeper on those participants that actually have plans these are small businesses already offering plants so today this is a typical graphic of a standard 401k offering youll notice here all of the different ancillary businesses these are all third parties that do a very small portion of the overall plan design now the legacy solution in this country was designed 30 years ago it was essentially created to be deceptive to plan participants and the fees that they pay s