PNC survey shows retirement preparedness gap between US employers, workers

PNC Financial Services Group published a 2026 workplace financial wellness report flagging gaps in long-term financial preparedness among U.S. workers.

• 71% of workers reported confidence building a savings plan; 33% showed high proficiency in foundational financial knowledge.
• Financial stress remained widespread, with 85% worrying about personal finances during work; average 3.5 hours per week.
• Retirement readiness diverged, with 75% of employers viewing workers as prepared; 45% of workers agreed, 15% doubted retirement affordability.
• Employers increased benefits analytics focus, with 65% measuring ROI; 95% used or planned to use AI in HR operations.