Few workers at this firm set any land speed records for saving and investing. But the race/ethnic disparities in saving remained really striking. Ironically, minority workers contributed surprisingly similar amounts to their non-Hispanic white counterparts. Yet they were vastly more likely than their white counterparts to make withdrawals or to borrow against their 401(k) funds. Minority workers were also much more likely to invest their money in money market funds and other safe assets that bring really low rates of return.