More than 90% of 401(k) plans now offer Roth contributions – but only 21% of workers take advantage

Key Points

About 93% of 401(k) plans offer a Roth savings option to workers, up from 62% a decade ago, according to the Plan Sponsor Council of America.
A law known as Secure 2.0 is expected to make Roth 401(k) accounts more prevalent.
Choosing between Roth and pretax savings is essentially a tax bet.

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