It may not be Halloween quite yet, but here's another look at some of the things that mightkeep people up at night about retirement — particularly those planning toretire at the end of this year.

It's possible to actually do something about some of them inadvance.

But most of the stats below are things beyond the power of anindividual retiree to avoid—or even change.

External factors are in control—like the old OuterLimits TV show, which would address its audience thusly:“We are controlling the horizontal. We arecontrolling the vertical.”

While workers might be able to shift course just a bit beforesailing into retirement, other dangers lie hidden beneath thewaves, like the other 9/10ths of the iceberg that sank theTitanic.

Despite a couple of dissenting voices this year claiming thatthere's no retirement crisis, nope, not here,once you've cruised through these tidbits of information no doubtyou'll agree with the majority that say the U.S. worker looking toretire is in for a rough time ahead.

Particularly since several of these statistics are even gloomierthan they were when we reviewed them two years ago….

10. $72,635

In 2016, that was what you could expect to pay per year forlong-term care, according to Genworth — but bear in mind that the costvaries by thousands across the country.

And this is 2017, which means it will cost more—maybe a lotmore.

Long-term care insurance can run you thousands, too, in ashrinking market filled with rising premiums and shrinkingbenefits.

The Post-Courier reports that the older you get, the more costlyit is to buy an LTC policy—a 50-year-old can pay $7,347 a year forlifetime benefits that are protected for inflation, while the samepolicy will cost a 70-year-old $15,070.

9. Half as much.

That's the amount of median wealth held in defined contributionplans and IRAs compared with defined benefit plans — which meansthat people with DB plans at work are more likely to be financiallybetter off in retirement than those with DC plans or IRAs.

A study from the National Institute on RetirementSecurity found some time ago that DC plans provided better forworkers than DC plans—but of course DB plans have been going theway of the dodo.

Even long-time workers who have been covered by DB plans canfind that their employers are terminating the plans and switchingthem over to DC plans.

A report from 401(k) Specialist points out, “By2015, 39 percent of sponsors had frozen a DB plan, and 24 percenthad stopped offering their primary DB plan to new hires. The recentuptick in freezes has been among plans that were already closed tonew hires.”

8. 20% or more

That's how much more than a quarter of Medicare beneficiariesspend of their annual income on Medicare premiums plus medicalcare, including cost-sharing and uncovered services.

You may have Medicare, but it won't necessarily take care ofyou.

According to a brief from the Commonwealth Fund, thelower-income the retiree, the more likely she'll pay an even higherpercentage of her annual income on health care costs.

In fact, says the report, “excluding premiums, Medicarebeneficiaries spent an average of $3,024 per year on out-of-pocketcosts. Of this, more than a third was spent on cost-sharing formedical and hospital care, 25 percent on prescription drugs, and 39percent on services Medicare does not cover, including dental andlong-term care.”

7. $325,000

That's how much less in retirement savings that amillennial could have at retirement time if she starts her careerwith $30,000 in student loans, according to recent findings from the LIMRA Secure RetirementInstitute.

6. 7.2%

That's how much health care costs are expected to rise in 2018,according to a report from Aon, which also says that employee health care costswill average $5,248 in 2018, up from $4,895 in 2017.

Prescription drug costs are on the rise, too, with a separateAon report indicating that in the first six months of 2017, theywere up 7 percent over the first six months of 2016.

HealthView Services, for its part, says theannual average rate of increase for retirees—not employees—willcontinue at an average annual rate of 5.47 percent “for theforeseeable future,” and notes that that is “more than doubleannual projected Social Security cost-of-living adjustments(COLAs—2.6 percent).” And that does not include long-termcare costs.

Over the course of retirement, HealthView says, “Total projectedlifetime health care premiums (Medicare Parts B and D, supplementalinsurance, and dental insurance) for a healthy 65-year-old coupleretiring this year are expected to be $321,994 in today's dollars($485,246 in future dollars). Adding deductibles, copays, hearing,vision, and dental cost sharing, that number grows to $404,253 intoday's dollars ($607,662 in future dollars).”

5. $275,000

That's how much a retiree couple can expect to pay in healthcare expenses throughout retirement, according to a MarketWatchreport — and they can expect those coststo continue to rise each year — or, as the report puts it,“indefinitely.”

In case you were wondering, that $275,000 represents a 6 percentincrease over last year.

Fidelity Investments crunched the numbers, andthe report adds that the figure “includes monthly expenses thatcome with health coverage premiums, copayments and deductibles andout-of-pocket expenses for prescription drugs.”

To top it off, the report says, “The expected cost of healthcare has grown 70 percent since Fidelity first started trackinghealth care costs in 2002.”

Fidelity adds, “And that applies only to retirees withtraditional Medicare insurance coverage, and does not include costsassociated with nursing home care.”

4. 20 years longer.

That's how many more years some women will outlive their spouses— and they'll have to have enough money to see them through.

A Yale Insights report says that while the average female willlive 2½ years longer than the average male, Social Security andLIMRA data indicate that “if a husband and wife retire at the sametime (the husband at 65 and the wife 63), after the first spousepasses away, the second spouse is likely to live about eightyears.”

But wait—there's more.

A surprising 15 percent of women, it adds, will outlive theirspouses by 20 years and thus will have to face higher expenses fora much longer time for medical care, food, shelter and all theother costs that come with supporting oneself.

3. 5%

That's the percentage of employers who still offer definedbenefit plans to new employees.

There's been a drastic change in how employees can save forretirement, a 401(k) Specialist report says, citing a Towers Watson studythat reveals the frightening plunge in DB plans—from approximately50 percent of employers offering them to new hires in 1998 thatfell by 2015 to just 5 percent.

Says the report, “[W]orkers who experience a loss of guaranteedretirement income may not exit the workforce in a timely fashion—anoutcome that traditional pensions were at least partly designed toavoid. Such counter-cyclical workforce trends could necessitateincreased severance pay, raise benefit costs and reduce mobilitywithin an organization.”

And worsen the outcomes of retirement for all those people withno reliable monthly benefit to depend on, other than SocialSecurity.

2. About half.

That's the number of Americans who have nothing saved forretirement.

A CNBC report cites data from GoBankingRates thusly: “According toa 2016 GOBankingRates survey, 35 percent of alladults in the U.S. have only several hundred dollars in theirsavings accounts, 34 percent have zero savings and about half ofU.S. families have no retirement account savings.”

Scared yet? Try this CNN report: “Almost one-quarter of workers saidthey and their spouse combined have less than $1,000 saved forretirement, according to a report from the EmployeeBenefit Research Institute. Nearly half of everyone surveyedsaid they had less than $25,000.”

Regardless of source, the numbers indicate that American workersaren't saving enough—by a massive margin.

And whether it's zero, several hundred dollars or $25,000, theywon't get far on that kind of money.

1. 18%

That's the percentage of people who actually think they haveenough saved for retirement.

Back in 2015, that number was higher, at 22 percent.

In a brief earlier this year from the EmployeeBenefit Research Institute, researchers report that just 18 percentare “very confident” that they've managed to squirrel enough awayto see them through retirement.

Even the “very or somewhat confident” crew has declined fromwhere it was in 2016, when 64 percent were putting a brave face onit; that's fallen to just 60 percent this year.

According to the brief, “Worker confidence now resembles levelsmeasured in 2015 (when 59 percent were either very or somewhatconfident).”