Most employer sponsored retirement plans define a successful plan by the percentage of employees who participate.  However, a new report from the Employee Benefit Research Institute says more than 50% of Americans have less than $25,000.00 tucked away for retirement.  Clearly, this is not enough to support themselves in their “golden years.”  Maybe it is time to reevaluate the definition of a successful plan, not as a percentage of participation but by how many employees are actually on track to a financially secure retirement.