Nearly three-quarters of workers who don't have access to a retirement plan at work have only about $1,000 in savings, according to the Employee Benefit Research Institute's 2014 Retirement Confidence Survey.

The 24th annual survey, conducted with Mathew Greenwald & Associates, found that 73 percent of people who say they don't save in either an IRA or a defined contribution plan have assets totaling less than $1,000, compared with 11 percent of those who have a plan.

Many Americans are more confident in their ability to afford a comfortable retirement, but that confidence doesn't seem to be based in actual knowledge about how much of their annual income they need to save for retirement.

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