「蘿蔔」計畫是一項由雇主出資的獎勵方案，針對年收入低於十六萬美元的員工設計。當員工達成安全、準時交貨或出勤等特定績效目標時，雇主會直接將獎金存入該免稅帳戶中，這不僅能鼓勵員工儲蓄，還能協助企業提升營運表現並降低離職率。（關鍵數字：160,000, a year）
儘管目前該計畫面臨一些專家的質疑，且尚未獲得大型企業的正式採用，班納及其合作夥伴仍積極推動試點計畫。他們期望這項創新方案最終能像當年 401(k) 一樣克服初期的懷疑聲浪，成為基層勞工未來累積退休財富的重要跳板。
Ted Benna, widely known as the father of the 401(k), regrets that his retirement plan has not sufficiently benefited lower-paid workers. In response, the 84-year-old has introduced a new initiative called Radish, which aims to help frontline employees who cannot afford payroll deductions build savings habits and achieve financial security.
The Radish plan is an employer-funded incentive program designed specifically for workers earning less than $160,000 a year. When employees meet specific performance goals such as safety, on-time delivery, or attendance, employers deposit rewards directly into this tax-advantaged account, which encourages saving while helping companies boost operational performance and reduce turnover.
Although the program currently faces skepticism from some experts and has yet to be officially adopted by major corporations, Benna and his partners are actively pushing forward with pilot programs. They hope this innovative solution will eventually overcome initial doubts, just as the 401(k) did, and serve as a vital stepping stone for frontline workers to build future retirement wealth.