Non-retired participants ages 35 to 64 were about 20% more likely to say they have revised their retirement plans in the wake of the recession than were retired participants and participants ages 65 and older, the researchers found.

When asked if they anticipate having enough savings for retirement, only 2 out of 5 respondents agreed. Although 18% said they believe they can easily accomplish their retirement objectives, 36% said they will not be in position to get by.

Of this group, 17% said they believe they “are going to come up short” and 19% admitted “it’s going to take a miracle” for them to do well in retirement.

About 22% of the participants said they believe they have a 50-50 chance of meeting their objectives.