The latest numbers from Vanguard paint a mixed picture of America’s retirement future.

More workers are saving through 401(k) plans than ever before, but millions still lag far behind, especially in lower-income households.

And the gap is widening fast.

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Vanguard, founded in 1975 by John C. Bogle, pioneered the first index mutual fund available to the public — now one of the most popular investment vehicles for retirement savings worldwide.