Most U.S. workers expect 401(k) plans or other employer-sponsored plans to help get them through retirement, according to Employee Benefit Research Institute researchers.

Researchers at EBRI, Washington, have drawn statistics concerning the importance of employer-sponsored plans in a note based on the data in the 2009 Retirement Confidence Survey report.

About 42% of workers expect an employer-sponsored retirement savings plan to be a major source of income when they stop working, while only 32% expect Social Security to be a major source of retirement income, and only 28% are counting on pension income.

Just 24% of survey participants identified an individual retirement account or other personal retirement account as a major source of retirement income.

About 26% hope to continue working after they reach the normal retirement age.

About 49% of survey participants who said they already are saving for retirement are counting on 401(k) plan retirement income, and only 20% of those participants said they count on getting significant amount of income from working after the normal retirement age.