بعدم المشاركة، فهم يردون ما قدره ٥،٠٠٠ دولار سنوياً من صاحب العمل والذي سيتقدم بمثل مساهمتهم وهو راضٍ
By not participating, they are passing up as much as 5,000 dollars a year  from the employer, who would happily match their contribution.