Employees in the U.S. may have made progress toward saving enough for retirement during 2013, but 2014 is not looking so bright. 

That's according to a new research report from Financial Finesse Inc., a financial education company. Its report, "State of U.S. Employee Retirement Preparedness," says that 2013 was a pretty good year as far as saving for retirement goes.

That year, 19.7 percent of employees indicated they were on track to replace at least 80 percent of their income in retirement, up from 17.4 percent in 2012 and 16.6 percent in 2011.

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