Most Americans with retirement savings build up their nest egg through workplace savings programs. This is no accident: the federal government has created a number of tax structures to encourage employers to offer plans for their employees, including 401(k)s, 403(b)s, and SIMPLE and SEP IRAs. Millions of Americans participate in these programs, which help to supplement Social Security income in retirement. But nearly half of all U.S. workers do not have access to any type of employer-based account. Instead, these workers – who tend to work for small businesses at below-average wages – are left to fend for themselves.