Continued savings by employees and a stronger return on assets has helped U.S. workers begin closing the gap between what they have saved and what they will need in retirement.

Aon Hewitt’s “The Real Deal: 2012 Retirement Income Adequacy at Large Companies” found that when factoring in inflation and postretirement health care costs, employees will need 11 times their final pay in retirement resources, such as company-sponsored plans and personal savings.

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