Americans are sliding backward in preparing for retirement, with employees reducing their annual contributions to their 401(k) accounts last year, according to new research from payroll firm Dayforce. Full-time workers cut their contribution rate in 2025 to 8.9%, from 9.2% a year earlier, while one in four workers reduced their annual savings in their 401(k) or other types of employer-sponsored accounts, the study found. The dip — the first decline since Dayforce began tracking the measure