A new infographic reveals the numbers behind 401(k) plans — and some of them are surprising. Case in point: Proposals to reduce incentives would significantly hurt workers with modest incomes, to the tune of 14% less take-home money at retirement for those under age 35. Other highlights: 78% of full-time workers have access to a retirement plan (compared to just 39% of part-time workers), 74% of all participants in defined contribution plans have family incomes of less than 100,000 per year, less than 5% of workers save for retirement without a workplace plan and 62% of tax incentives are received by households with adjusted gross income of less than $100,000.

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