Some background on the previous posts, both refer to a recently released study.
EBRI is the Employee Benefit Research Institute. It primary sponsors are retail investment companies in the finance industry, such as Fidelity. The news articles refer to the 2013 survey, recently released. Here is the EBRI press release http://www.ebri.org/pdf/surveys/rcs/...9Mar13.RCS.pdf
and there is the entire study http://www.ebri.org/pdf/surveys/rcs/....No384.RCS.pdf
Edit to add: after browsing thought the survey, it looks like it is entirely focused on saving and investing, and does not consider Social Seciurity, Medicare, or employer pensions.