U.S. workers are big fans of workplace retirement plans and the defined contribution system in general, according to research by LIMRA Secure Retirement Institute. The problem is, employees aren’t always getting enough opportunity to embrace those plans through their employers.

Just 46% of employers offer defined contribution retirement plans, according to the U.S. Bureau of Labor Statistics, and only 58% of civilian workers have the chance to save for retirement with a workplace-sponsored plan. That means that 50 million workers in the U.S. don’t have access to a workplace retirement plan, but when asked if they would save for retirement if they had access to a plan, respondents said absolutely, LIMRA found.

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