U.S. workers are stressed about their personal financial situations, which is their work performance and retirement savings plans, according to a new Society for Human Resource Management survey.

Over the last year, 55 percent of respondents agree they have been more likely to dip into their employer-sponsored retirement savings plans compared with previous years, and 17 percent strongly agreed. Twenty-four percent of respondents say they have not been more likely to rely on retirement savings, and 3 percent of respondents say they strongly disagree that they have been more likely to use their retirement savings.

Regarding the effect of employees' personal financial challenges upon work performance, 22 percent of respondents say it causes a large impact while 61 percent of respondents say it is some impactful. Another 16 percent of respondents say there is a slight impact. Among the respondents, only 2 percent say they felt no impact.