On Monday, March 25, 2013 11:46:07 AM UTC-4, wrote:

OTOH my wife's country club has a health care plan for employees, even
the landscape guys. They have a 401k program with employer match. I am
amazed at the number of people who won't participate.,

As a CPA, my wife has seen first hand how these kinds of workers treat their 401k's when they participate. They use them as saving accounts, taking money out of them all the time. Even some fairly well paid workers.