"The time has come to adopt and implement proven features and solutions to help defined contribution plan participants achieve improved financial wellness and enjoy greater financial security in their retirement years. These include automatic plan features as well as a strategy the authors call The Four Ms -- milestones, measurement, monitoring and management -- that aptly treats saving for retirement more like a marathon than a sprint. The final strategy the authors discuss is connecting the dots -- helping participants make the connection between saving levels and annual retirement income."