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Although waiting until age 70 earns a retiree more Social Security benefits, many plan to start collecting earlier due to fears of insolvency, Schroders research shows.

In the news again, Social Security is expected to go bankrupt. Another reason why employers should review 401(k) participation, contribution and deferral rates. 

Tips for reducing early withdrawals: employee education and rollover guidance may help reduce 401(k) leakage.