Increasingly fewer workers expect to retire at 65 anymore, and for employers that can mean significant added expenses in health care, salary, benefits and other compensation for an aging and possibly less productive workforce, says Scott Holsopple, president and CEO of Smart401k. Offering a retirement program such as a 401(k) plan is a good way to help employees stay on track for retirement and curb costs for employers. Employers can choose to contribute to the plan or not. They can also get a tax write-off on set-up expenses. Employers are also in a good position to demand more from their retirement providers for participants, Holsopple says. "Employers and providers have the opportunity to step back and reshape retirement education and planning. Besides helping employees, employers can also help themselves in the process," he says.