مشارکت اختیاری در طرح بازنشستگی، مشارکتی است که بهطور مستقیم از حقوق کارمند به طرح بازنشستگی تحت حمایت کارفرما، مانند طرحهای (k) 401 یا (b(403، در ایالاتمتحده انجام میشود.
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