In our latest research on employee financial issues, we saw some light at the end of the recession tunnel. Employees called our Financial Helpline more about retirement than they did any other topic, making up the most calls we've seen on retirement planning since 2008.

The trend is shifting. A focus back to long-term planning was also seen as calls about estate planning and investing issues increased, which could be a sign of sustainable recovery. Though we're glad to see employees refocused on retirement planning, we're still headed for a major retirement crisis if employees continue to save too little.

Too few employees are saving enough. Less than 18 percent of employees who completed a financial wellness assessment believed they were on track to replace at least 80 percent of their retirement income.