"[M]ost workers end up retiring well before age 65, and few have enough saved by that point. The least prepared workers, some 32% of those surveyed, were on track to receive just 38% of their income in retirement, which would be largely Social Security benefits. By contrast, an elite group of workers, some 20%, are on track to replace 143% of their current income ... And it's not just those pulling down high salaries. 'The key success factors were access to a 401(k) and consistently saving 10% of pay, not income,' [Empower president Ed Murphy] says."