TCRS Annual Retirement Survey

The Transamerica Annual Retirement Survey – now in its 17th year – is a poll of American workers and their employers designed to explore attitudes and behaviors regarding retirement security and benefits. The survey is one of the largest and longest-running of its kind and is conducted through an independent research firm and the data represents employees of different age groups and employers of various sizes. In addition to the findings on various retirement issues, the survey provides an in-depth segmentation and comparison analysis based on company size, gender, and age groups.


17th Annual Retirement Survey (2016)


16th Annual Retirement Survey (2015)


Retirees Survey (2015)


15th Annual Retirement Survey (2014)

Behavioral finance and pension decisions, by Lampros Romanos

An extensive literature review and a focused analysis on how framing effects, financial literacy, self-control and loss aversion affect pension decisions

The Retirement Readiness Challenge: Five Ways Employers Can Improve Their 401(k)s


14th Annual Retirement Survey (2013)

The Retirement Readiness Imperative: Overcoming the Challenges Faced by Small Companies

This report on small businesses, part of the 14th Annual Transamerica Retirement Survey, examines retirement benefits offered by small companies (10-499 employees), assesses the retirement outlook of small-company workers, offers comparisons with large companies (500+ employees), and provides recommendations.

Congressional Testimony

Catherine Collinson was invited to testify to the results of “The Retirement Readiness Imperative: Overcoming the Challenges Faced by Small Companies” before the U.S. House of Representatives Committee on Small Business at its hearing, “The Challenge of Retirement Savings for Small Employers.

Repairing the Damaged Nest Egg: How to Improve the Retirement Outlook of the Unemployed & Underemployed

As part of its 14th Annual Transamerica Retirement Survey, TCRS surveyed unemployed and underemployed workers and found that 62 percent of displaced workers are “not too” or “not at all” confident about their retirement prospects.  The report delves further into these groups and offers suggestions to help them improve their retirement readiness.

14th Annual Survey (2013) - Full Survey Results

Complete results from the 14th Annual survey.  The worker report includes trend data and comparisons by age, gender, generation, household income, and participation in a retirement plan.  The employer report includes trend data and comparisons by company size.


13th Annual Retirement Survey (2012)

Emerging from the Economic Storm: Retirement Plans in the United States, 2007-2012

This report evaluates how American workers and company-sponsored retirement plans have fared during these five difficult years of recession and brings to light opportunities to improve the current retirement system.

Juggling Current Needs and Long-Term Security: Every Woman Needs Her Own Retirement Strategy

The annual Transamerica Retirement Study found that nearly half of working women don’t have a retirement strategy.  This report was created to shed light on women’s attitudes and behaviors related to saving and planning for retirement and outlines key steps that can be taken to help women attain a more secure retirement.

Weathering the Economic Storm: Retirement Plans in the U.S., 2007-2012

This report evaluates how American workers and company-sponsored retirement plans have fared during these five difficult years of recession, and brings to light opportunities to improve the current retirement system.

The Cracked Nest Egg (Unemployed/Underemployed Survey)

This research, conducted among unemployed or underemployed workers, illuminates the severe effect of what is commonly referred to as the Great Recession on the retirement outlook of displaced American workers. The study shows that only 10 percent of displaced workers are very confident in their ability to retire comfortably.

Redefining Retirement: The New "Retirement Readiness"

13th Annual Survey (2012) - Full Survey Results

Complete results from the 13th Annual survey.  The worker report includes trend data and comparisons by age, gender, generation, household income, and participation in a retirement plan.  The employer report includes trend data and comparisons by company size.


12th Annual Retirement Survey (2011)

Women: Let's Talk About Retirement (Worker Survey)

A Source of Inspiration: Future Early Retirees (Worker Survey)

A "Perfect" 401(k) Plan

Emerging from the Recession (Employer Survey)

Out of Work in America (Unemployed/Underemployed Survey)

The New Retirement: Working (Worker Survey Results)


11th Annual Retirement Survey (2009-2010)

Educational Matters: The Impact of Educational Attainment on Worker Retirement Outlook

Women and Retirement

A Tale of Two Retirements: The Importance of Employee-Funded Retirement Plans in the Workplace


10th Annual Retirement Survey (2008-2009)

Women and Retirement: Facing Challenges in a Recession

Managing the Road to Retirement: How Different Age Groups Save

Employers Reluctant to Cut Retirement Benefits in Difficult Economy

Back-on-Track: Helping Pre-Retirees Improve Their Retirement Outlook

Congressional Testimony

On February 25, 2009, TCRS was invited to testify at a hearing entitled, "Drop in Retirement Savings: The Challenges Small Business Face Funding and Maintaining Retirement Plans in a Struggling Economy," conducted by the U.S. House of Representatives Committee on Small Business.


9th Annual Retirement Survey (2007)

Spotlight on Single Women in the U.S.A.

Building Retirement Confidence — Household Income