The Transamerica Center for Retirement Studies finds that employees who have a retirement plan available at work generally develop stronger saving habits than do those whose employers don’t offer such a plan.

For instance, workers who are offered a plan typically started saving 2 years before those without plans, according to the 11th Annual Transamerica Retirement Survey sponsored by the center, Los Angeles.

Workers with a plan are significantly more likely than those without to have developed some form of a retirement savings strategy, the study also found.

In addition, workers who are offered a 401(k) or similar plan are more likely to agree that they are building a large enough retirement nest egg than do workers who are not offered a plan.

Significantly more workers without a plan expect to retire after the age of 70 or not at all, Transamerica found.

It also found that several population segments, including women and small-business workers, are less likely than others to be offered a plan, putting them at greater risk for not achieving a secure retirement.