About half of all American workers are employed by companies that don't offer retirement plans, according to a 2009 Brookings Institution report.
And those who do save, don't save much.
About two-thirds of all workers said they put some money away in 2013 for retirement savings, according to a survey by the Employee Benefit Research Institute. More than half of workers said they had less than $25,000 in savings, outside of their home and pensions. And 28% of workers said they had less than $1,000 in savings.