An investment firm finds many Americans plan to push back retirement because they have not saved enough.[@@]

Fidelity Investments Institutional Services Company, Boston, reports its recent survey of workers ages 25 and older found one-third plan to postpone retirement. Of these, 55% thought they had not saved enough, 35% said they started saving too late and 34% plan to continue to work to keep their employer-paid health care plan.

Reasons for delaying retirement varied by marital status and gender, the survey found.

Those delaying retirement were more often single than married and more likely to be male than female.

Age was also a factor in blocking plans to retire, with adults 25 to 40 more likely to mention the need to pay for a child’s college education and those ages 55-plus more likely to blame poor investments and market fluctuations.