unfortunately most smaller companies do not offer such benefits.
yeah? hrm. well, I don't really know, I've only ever worked for two companies. One was around 500 employees; they had a 401k and would match $0.50 on a dollar up to some amount.
And my current company has only 30 employees; they have a 401k, but don't match anything on it, which is kinda beat.
Well, if your company doesn't have a 401k, you should definitely be investing in a Roth IRA.
Doesn't ING do 401K? I don't think you need to be in any certain co to enroll do you?