Uh, a lot of them. If your employer is large enough to offer benefits in general, it's probably going to have some kind of retirement account option.

Anyway, a 401k isn't money. It's just an account you can put money into with tax benefits for retirement. A worker at Walmart is unlikely to be able to save more than the IRA contribution limits, which is an account they could open on their own.

Google suggests Walmart will match up to 6%, which is decent but nothing exceptional. Regardless, that's basically the entirety of what their benefit amounts to.

If you make $15/hr, and save 6% to max out the match, with Walmart's match it's like you make....$15.90. Not exactly earthshaking.