Mid-career employees are quietly becoming the most at-risk segment of the workforce; balancing caregiving, market conditions, and questions about career progression while re-evaluating loyalty. This session equips HR professionals to use retirement plan design as a powerful retention tool. From flexible matching to student-loan integration and personalized savings pathways, HR can re-engage this vital demographic before disengagement leads to turnover. Drawing on national data and case examples, Christina Tunison reframes the 401(k) or 403(b) as a lever of empathy and stability; proof that HR’s everyday work prevents crisis long before it begins. Participants will learn practical design ideas and communication strategies to strengthen loyalty, morale, and trust.