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Each year, Vanguard Group releases its annual review of the state of retirement savings in America, focusing on the 401(k)s, 403(b)s and other defined-contribution plans that allow people to set money aside for retirement, and in many cases defer taxes in the process.

The report, “How America Saves 2018,” is full of data, charts and interesting analytics. What I want to do is highlight a few specifics in the report, but I suggest you download it and spend some time working through all of its geeky goodness.

First, the positive news: Vanguard points out five changes that are plusses for savers and investors:

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