「萝卜」计划是一项由雇主出资的奖励方案，针对年收入低于十六万美元的员工设计。当员工达成安全、准时交货或出勤等特定绩效目标时，雇主会直接将奖金存入该免税帐户中，这不仅能鼓励员工储蓄，还能协助企业提升营运表现并降低离职率。（关键数字：160,000, a year）
尽管目前该计划面临一些专家的质疑，且尚未获得大型企业的正式采用，班纳及其合作伙伴仍积极推动试点计划。他们期望这项创新方案最终能像当年 401(k) 一样克服初期的怀疑声浪，成为基层劳工未来累积退休财富的重要跳板。
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.