Then there’s the little matter of knowing what they need and understanding their retirement plans. While 90 percent know what their ideal credit score should be, only 58 percent know how much they should save for a comfortable retirement. And nearly half (47 percent) say that materials explaining their 401(k) plan investments are more confusing than materials explaining their health and medical benefits. Maybe that’s why roughly three in 10 (29 percent) have either decreased or not made any changes to their 401(k) savings rate in the last two years.

Yet people say they’re taking retirement planning as seriously as they take their health — sometimes even more so. While 68 percent of respondents said they consider making the best 401(k) investment choices a key priority, just 59 percent said that a key priority was keeping in shape. Seventy-three percent would rather see a 15 percent increase in their 401(k) balance this year than lose 15 pounds. In fact, participants pay more attention to 401(k) investment fees (64 percent) than ATM fees (60 percent), airline baggage fees (50 percent) or gym sign-up fees (49 percent).