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Firm Sweetens Pot For Retirement Savers

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A firm is trying to boost 401(k) savings by recognizing a sad reality: Many people are more interested in getting trinkets today than in having solid nest eggs 20, 30 or 40 years from now.[@@]

The firm, PensionOnline Inc., San Francisco, has developed a Web-based 401k Rewards program that uses gift cards, frequent flyer miles and other inexpensive incentives to encourage 401(k) plan members to save.