Sarah Klein is a health writer, editor, and certified personal trainer with over a decade of experience in media. She has held editorial positions at LIVESTRONG.com, Health, Prevention, and The ...

Morningstar Quantitative Ratings for Stocks are generated using an algorithm that compares companies that are not under analyst coverage to peer companies that do receive analyst-driven ratings.

401(a) plans are available to some government and nonprofit workers; 401(k)s are for private-sector employees. 401(a)s may have mandatory contributions, but 401(k) contributions are always voluntary.