U.S. employers are taking a wait-and-see approach to their retirement programs. Of the more than 1,300 employers surveyed by Aon Consulting, more than 90 percent are not changing their retirement plans, either in terms of benefits or management.

Both employers and employees are waiting for an economic recovery before moving forward with retirement.

"The 'wait-and-see' attitude is not surprising," said Amol Mhatre, senior vice president responsible for retirement innovation with Aon Consulting. "We may continue to see dramatic economic swings, as interdependencies grow in the global economy, and retirement programs and savings can't stop with every downturn.

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