A premium subscription is required to access this article. Article Date: 09/21/2016 Do Plan Participants Have an IRA? It is estimated that individuals may need up to 85 percent of their work income in retirement. In addition to an employer-sponsored Defined Contribution retirement plan, such as a 401(k), many plan participants also own Individual Retirement Accounts to supplement their retirement savings.Almost half of Defined Contribution plan participants (46 percent) ... Log in to view full article. If you already have a subscription, please log in with your email address and password. User Name (Email Address): Password: Forgot your password? Click here to have your password emailed to you. To purchase a premium subscription, please use the links below. One-year premium subscription with unlimited access to all articles including reprint rights (see terms and conditions) for $2,000.00. Monthly subscription (3 month minimum) with unlimited access to all articles including reprint rights (see terms and conditions) for $195/mo. CLICK TO VIEW Terms and Conditions I ACCEPT You must accept the 'Terms and Conditions' before purchasing this product.