The majority of employers are taking a “wait and see” approach toward their employee benefits programs, delaying any action to respond to the likely reduction in plan design flexibility brought on by federal health reform, a new study finds.

Although Americans do not trust Social Security’s viability and believe they need to fund their retirement themselves, most struggle to understand how to save enough for the future, a survey says.

The U.S. Department of Labor must remove hurdles that prevent employers from providing American workers with crucial retirement assistance, a speaker told the federal agency.