A new report by the Investment Company Institute found that of the workers who have a desire to save for retirement, three-quarters had access to a pension plan through their own or their spouse's employer, and 93 percent of those with access participated.

Younger and lower-income workers are the least likely to save for retirement because they are trying to save for an education, buy a house or fund some other purchase. Some want to have cash on hand in case of an emergency, according to "Who Gets Retirement Plans and Why, 2010." Research has shown that most workers will not start saving for retirement until later in their working careers.

Older and higher-earning workers are more likely to save primarily for retirement, so they appreciate being able to put money away in an employer-sponsored benefits plan. In 2010, 50 percent of private-sector wage and salary workers aged 21 to 64 reported that their employers sponsored retirement plans.

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