The percentage of businesses with a retirement plan rose to 61 percent in 2012, up from 59 percent in 2009, according to a report by the Employee Benefit Research Institute. The percentage of employees participating in the plans rose slightly, up to 46 percent in 2012, compared with 45 percent in 2009. However, employees contributed less, with contributions averaging 6.7 percent of salary in 2012, down from 7.4 percent in 2009.

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