Tim Scott actually said...

Thank you for providing us an opportunity to have this conversation around how to create access to retirement plans for more employees.

Frankly, I think the number is 60 percent of employees who work at a firm with 20 or fewer employees.

The challenges that we face are only going to get worse and not better as time moves on.

From my perspective, the average small employer with 20 employees or less doesn't have the time or the inclination to invest in this process...