Well, it seems like everyone has been touting for the past few decades that most jobs are created by small businesses.
That seems to explain it. Most jobs are with small businesses. Most small businesses do not automatically have 401K’s (much less company matches) or other generous benefits.
I believe these are the forgotten men and women that DJT has been talking about for many years.
I agree on the match, but otherwise it’s not really an answer. Anyone can open an IRA or a Roth IRA or a Keough/SEP.
There are ways to save and as TJ said, no force is greater than compound interest. It works. But you have to do it. Or get the help you need to get started.