We came across this thought-provoking piece about likely future of Millennial retirement.  In short, it's not good news.  

The rise of self-employment and declining employer loyalty among the millennial generation is well-documented. Yet the retirement industry (and the legislative agenda that surrounds it) continues to see the employer as the natural point of entry for retirement products. 

The new working generation is going to have to take their future finances into their own hands and there may be a significant prize for the first business that starts to talk to Millennials directly and frankly about their future.