Can the average American worker afford to retire? Much has been written about the retirement savings gap-that is, the difference between projected account balances and the income employees will actually need in retirement. Yet federal law makes plan adoption voluntary, and a recent Congressional Research Service Report on state-administered retirement programs indicates that 32% of private sector workers are not covered by an employer-sponsored retirement plan. The senators who just introduced the Starter-K Act of 2022 (S.3955) report that less than 50% of businesses with fewer than 50 employees currently maintain retirement plans. Led by the State of California, some states and cities have attempted to narrow the savings gap by passing legislation creating state-run retirement programs. The list now includes Illinois, Oregon, Virginia, Maryland, New York, New Jersey and Connecticut. New York City and Seattle have also enacted programs, although following the passage of an auto-IRA law ...