Tax deferred retirement accounts allow employees to contribute pre-taxed income into 401(k), Simple Plans, and 403(b) and 457(b) plans where they are not taxed until the employee retires and begins receiving payments/distributions. Many employers offer their employees the option to invest into these retirement accounts, but should it be mandatory for every company to offer their employees a retirement plan?

What do you think?

• Should it be mandatory for employers to offer their employees a retirement account?
• What are the benefits of offering a retirement plan to employees?
• What are the drawbacks?
• How would it impact a small business owner?
• Who absorbs the cost?
• Do employers have to match employee contributions?
• What benefits do employers receive for matching employee contributions?