2025 NFP U.S. Retirement Trend Report
Confidence is slipping, but opportunity is growing.
Only one in three employees feels confident they’ll be able to retire comfortably. Even among active savers, most aren’t sure what “on track” actually means, leading to rising stress, inconsistent savings and a growing gap between aspiration and readiness.
The 2025 NFP U.S. Retirement Trend Report examines how financial confidence, education and access shape retirement outcomes, and what employers can do to close the gap.
Key Insights to Uncover
Crisis in Confidence
1 in 3 employees feels confident they’ll be able to retire comfortably. Even among active savers, just 33% feel on track. That’s a wide gap in confidence.
Effort Isn’t the Issue, Guidance Is
58% are trying to save, but 42% can’t do so consistently due to competing financial pressures.
Employers Hold the Key
76% of employees are actively engaged when they understand their retirement benefits. Access alone isn’t enough. It’s education and clarity that drive participation.
Reframing Financial Guidance
89% of employees trust employer-provided advisors, but few take advantage. Trust is high, yet engagement remains low.
Retirement readiness isn’t just a personal issue — it’s a business issue.
Financial stress affects health, productivity and retention. Employers who deliver clarity, education and access aren’t just helping employees save, they’re helping them build confidence for life after work.
Reach out to us today to learn how NFP can help your organization strengthen retirement outcomes and employee confidence.
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