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Retirement prospects only

These are disturbing findings, because the study focuses on large U.S. companies, where employees typically fare the best at getting ready for retirement. Large companies tend to be among the few still providing guaranteed pensions. They also tend to offer quality 401(k)s, and give some guidance to employees baffled by building up retirement savings. In general, small employers tend to skip 401(k)s so workers must fend for themselves and they do a poor job of accumulating savings. Only about half of U.S. workers are employed where 401(k)s are offered. Without workplace plans, most individuals don't turn to individual retirement plans (IRAs).

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