Companies are concerned that employees aren't saving enough for retirement, according to the annual 401(k) benchmarking survey sponsored by Deloitte Consulting, the International Foundation of Employee Benefit Plans and the International Society of Certified Employee Benefit Specialists. Just 15% of the 455 companies surveyed expect most of their employees to be financially prepared for retirement, while 67% say some employees will be ready and 18% say very few will be ready.

Meanwhile, companies seem wary of newer products that might alleviate the problem, like managed accounts and retirement income products.

"Providers are offering different ways in which plan sponsors can help their participants be ready and plan sponsors, I think, are slow on the uptake in using these tools," says Stacy Sandler, a principal at Deloitte Consulting.