More employers are offering retirement plans and a higher percentage of workers are participating.

New data from the Employee Benefit Research Institute shows there's been slight improvement since the end of the Recession, with 61 percent of all workers over the age of 16 working for an employer that sponsors a retirement plan, up from 59 percent in 2009.

Workers participating in a retirement plan increased to 46 percent in 2012, up slightly from 2009 (45 percent) but below the level measured in 2003 (48 percent), according to EBRI.

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