It's not just retirement plan sponsors at corporations whose employees keep them up at night. Plan sponsors at not-for-profits are also concerned about whether their employees are sufficiently prepared to retire when the time comes.

According to TIAA's inaugural Not-for-Profit Plan Sponsor Insights Survey, sponsors' top fear is that employees will delay retirement because they do not have enough money. Sixty-four percent are worried about that, while 59 percent are concerned that employees will run out of money in retirement.

Those two fears far outpace concerns about meeting responsibilities as a plan fiduciary; only 38 percent say they're concerned about that.

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