Many people are struggling to make sure they don't run out of money in retirement, said Jack VanDerhei, research director at EBRI, a nonprofit in Washington, D.

WSJ: Workers Saving Too Little to Retire

They found the most pessimistic levels of confidence among American workers that RCS has ever measured, in more than two decades of this survey, says Jack VanDerhei, EBRI research director and co-author of the report.

FORBES: Trouble on the High Seas of Retirement?

In fact, the law's stiffer funding requirements for defined-benefit plans will likely push companies with underfunded plans to freeze them, says Jack VanDerhei, a Temple University professor and fellow at the Employee Benefit Research Institute.

FORBES: Must You Work Until You Drop?

For early boomers with exposure to the downturn (that is having two of these assets: housing equity, a 401(k) plan or an Individual Retirement Account), they need to sock away a median 7% more of their compensation each year, including raises, until they reach 65, says Jack VanDerhei, research director of the Employee Benefits Research Institute in Washington, D.

FORBES: Savings Crisis For Some Early Boomers