TCRS Annual Retirement Survey

The Transamerica Annual Retirement Survey is now in its 18th year. The survey comprises research among nationally representative samples of American workers and employers, and is designed to explore attitudes and behaviors regarding retirement security and benefits. It is one of the largest and longest-running of its kind and is conducted through an independent research firm. TCRS reports include in-depth segmentation and comparison analysis of workers based on company size, gender, generation, household income, education and race/ethnicity. Findings of employers are examined on company size. 


18th Annual Retirement Survey (2017)

A Retirement Security Retrospective: 2007 Versus 2017

The Great Recession officially lasted from December 2007 to June 20091 but its after effects continue to linger today. Questions continue to be asked about the status of the recovery among employers and workers. How has retirement security changed? What are areas in need of improvement? TCRS prepared this report based on findings from its annual retirement survey of workers and employers to help answer these questions.

Striking Similarities and Disconcerting Disconnects: Employers, Workers, and Retirement Security

As part of its 18th Annual Retirement Survey, TCRS surveyed 1,825 employers of for-profit companies with five or more employees to learn how they are helping their employees prepare for retirement. The study also provides context by comparing the employer survey findings with TCRS’ survey of 6,372 workers.

17th Annual Retirement Survey (2016)

All About Retirement: An Employer Survey

As part of the 17th Annual Transameriica Retirement Survey of employers, this study reports on how employers perceive their employees' vision of retiring, the extent to which employers have business practices to support them, and the current state of retirement benefits offered. The survey findings reveal four opportunities in which employers can help improve retirement security among workers.

16th Annual Retirement Survey (2015)

The Current State of 401(k)s - The Employer Perspective

TCRS' new research among employers offers an overview of retirement plan sponsorship rates, comparisons by company size, and includes worker insights. Coincident with the release of the new report, on behalf of TCRS and Transamerica Institute, Catherine Collinson has been invited to share the findings and other research before the U.S. Senate Special Committee on Aging’s hearing titled, “Closing the Gap: Innovations to Promote Americans’ Retirement Security.”

Retirees Survey (2015)


15th Annual Retirement Survey (2014)

A Compendium of Findings About American Employers -- 15th Annual Survey (2014) - Full Survey Results

Complete results from the 15th Annual Survey. The employer report includes five-year trend data and comparisons by company size.

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

Baby Boomer Workers Are Revolutionizing Retirement: Are They and Their Employers Ready?

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.

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.

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.

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)

A "Perfect" 401(k) Plan

Emerging from the Recession (Employer Survey)

Out of Work in America (Unemployed/Underemployed Survey)


11th Annual Retirement Survey (2009-2010)

Employers Remain Reluctant to Enhance Retirement Benefits


10th Annual Retirement Survey (2008-2009)

Employers Reluctant to Cut Retirement Benefits in Difficult Economy

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)

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