Perhaps the only thing President Donald Trump said during his State of the Union address last week that had any bipartisan appeal was his pledge to create a retirement saving plan for people who don’t now have access to workplace 401(k)s, paired with a $1,000 annual matching contribution from the federal government. Only half of private sector workers have access to a 401(k) plan at any given time, and policymakers have been trying to expand coverage for nearly two decades.