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Iowa Dept. of Administrative Services employee Sharleen Newton, who plans to retire after 35 years with the state, sorts through retirement applications in her office in the Hoover Building, Wednesday, April 7, 2010, in Des Moines, Iowa. (AP Photo/Charlie Neibergall)

Benefits managers report their organizations simply do not do enough to help employees make critical decisions at the point of retirement, according to a national survey of U.S. benefits directors commissioned by Transamerica Retirement Management. But they do concede organizations share – almost equally with the individual - the responsibility to support the individual through retirement.

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