"Participation rates have remained steady the last several years with about 88 percent of eligible participants having an account balance, and 80 percent making contributions to the plan. Deferral rates increased back to pre-crash levels, and are in fact higher, increasing from 5.3 percent of pay in 2013 to 5.8 percent of pay for lower-paid employees ... [T]he percentage of participants with loans and the percentage of assets loaned have been decreasing and have reached their lowest rates in more than a decade -- just 14.6 percent of participants have an outstanding loan balance and only 0.7 percent of all plan assets are held in loans."  MORE >>