54 pages. "69 percent of employers believe that most employees at their company could work until age 65 and still not save enough to meet their retirement needs.... Most employers feel that employees plan to work in retirement.... Four out of five employers say they support employees working past 65.... Almost half (47 percent) say that many of their employees envision a phased transition that involves reducing hours (33 percent) and/or working in a different capacity (27 percent).... Only 39 percent of employers offer flexible schedules. Even fewer enable their employees to shift from full-time to part-time (31 percent) or take on positions that are less stressful or demanding (27 percent)."  MORE >>