One quarter of baby boomers have a back-up plan for retirement income if unable to work prior to their planned retirement. And nearly 72 percent of millennials are saving for retirement in a company-sponsored 401(k) or similar plan outside the workplace.

Related: You risk a ragged retirement if you’re counting on these numbers

These are among the high-level findings of a 2016 “Transamerica Retirement Survey of Workers.” The 17th annual report offers perspectives on retirement among three generations of workers: boomers, Gen Xers and millennials.

The report’s conclusions are as much a cause for concern as optimism. Nearly half of boomers (45 percent) are expecting a decrease in their standard of living when they retire. And more than 8 in 10 (83 percent) of Gen X workers believe their generation will have a “harder time” achieving financial security than their parents’ generation.

Fewer than 1 in 5 millennials (18 percent) are “very confident” about their future retirement. And about half of workers across all three generations plan to work at least part-time during their golden years — an expectation that, Transamerica notes, is “changing the landscape of retirement.”

See the infographic below for additional highlights from the Transamerica survey.

Related: 17 unexpected expenses in retirement