"Employers ... need to understand the hidden costs and take action to protect the organization from unpredictable retirement patterns.... Aggregating data on employees' company-sponsored sources of retirement income and their current behavior patterns regarding plan elections, contributions and so on, company decision makers can get a clear view of what percentage of the workforce will be able to retire at what ages, what percentage is unprepared for retirement, and what actions would best improve retirement readiness given the characteristics and demographic profile of the workforce."