FILE - The likeness of Benjamin Franklin is seen on U.S. $100 bills, Thursday, July 14, 2022, in Marple Township, Pa. Many small businesses don’t offer a retirement plan to employees, since it can be quite costly and complicated. But the Secure Act 2.0 passed by Congress in late 2022 and being slowly rolled out is designed to make it easier for small businesses to offer retirement plans. (AP Photo/Matt Slocum, File)
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