A retirement plan should serve an organization just as other top employee benefits do. It should help retain and recruit top talent and contribute positively to the morale of your existing employees. As such, a retirement plan is only as good as its employee participation. You could have a top-notch retirement plan, but it won’t do much good if employees aren’t using it, or if they are not aware it’s top notch. That brings us to the second crucial observation: a thoughtful plan design is not enough. Employee participation also relies on effective communication and education.