Nope, the players still haven’t made it to the end zone when itcomes to pension funding.

The Society of Actuaries, which last year took a look at the NFL’s fundedstatus, reports that while the funding level has improved, it’sstill not in the clear, despite an improvement of 5 percent.

It now stands at 78 percent, which, while better than lastyear’s 73 percent, still hasn’t come up to the multiemployerindustry average of 85 percent.

Analysis of data available at the end of April2016—the latest available—indicates that the plan was 78 percentfunded, with $2.0 billion in assets, against projected benefitliabilities of $2.6 billion.

That leaves the plan’s funding with a shortfall of $600 million.(Last year’s analysis was based on 2015 data, the most recentavailable at the time.)

While the plan is showing steady—if not proportional—progress infunding (it was only 55 percent funded in 2014), it is still comingup short.

Still, the NBA pension plan is doing even worse, funded atjust 61 percent.

And both should be jealous when considering the status of boththe NHL pension plan and MLB pension plan. Both top the industryaverage, with the MLB plan funded at 90 percent, but the NHL’s planis doing really well, funded at 135 percent.

And although retiring and collecting a pension isn’t likely tobe top of mind for most of the players in this year’s Super Bowl,E*TRADE Financial Corp. intends to bring it front and center forviewers, with commercials featuring aging cheerleaders stillworking on the 50-yard-line.

Some might not consider cheering in the so-called “Big GameSilver Squad” (so-called for their silver hair) their top objectivein retirement, but E*TRADE’s point is, according to Lea Stendahl,chief marketing officer for E*TRADE Financial, that Americans needto “take more control of their retirement destiny so they can enjoythe golden years in whatever way they choose—be that pursuing asecond act, continuing their career, traveling the world, orauditioning for a legendary cheer squad such as ours.”

Whether performing as part of a gerontological cheering squadactually fits into someone’s idea of a dream retirement or seemsmore like a nightmare, the company points out that close to 90percent of investors worry that they haven’t saved enough forretirement; a third of Americans have no retirement savings; andclose to 70 percent think they could be doing betterfinancially.

In fact, a TD Ameritrade study finds that most know more aboutthe cost of their streaming services than they do about the feesthey pay on retirement accounts, so they’re probably right aboutthat last.

Although new tools, education and products have helped toprovide workers with more options for retirement investing, it’sstill not what most people would think of as a level playing field.Even the players in the NFL should recognize that.