Nineteen percent of respondents at all salary levels said they couldn't make ends meet during the last year.

Minimum-wage workers had that problem in spades, with 65 percent saying they couldn't make ends meet and 49 percent saying they had to work more than one job to do so.

Sixty-five percent of all workers reported being in debt, and while most of them say they can manage, 16 percent of workers ages 25–34 are still living at home with their parents, which probably makes it a lot easier to get by.

In addition, 18 percent of all workers have cut the amount they set aside for 401(k)s or personal savings in the past year–and 28 percent save nothing each month.

By age group, here's how that 28 percent group that saves nothing shakes out:

• ages 18–24, 32 percent saved nothing

• ages 25–34, 26 percent

• ages 35–44, 31 percent

• ages 45–54, 29 percent

• ages 55 and older, 24 percent

Then there's retirement plan participation. A sizeable number within each age group doesn't even participate, much less reduce their contribution levels.

Thirty-six percent altogether said they didn't participate in a plan. How does this break down?

• 69 percent of those aged 18–24 didn't participate in a plan

• 41 percent of those aged 25–34

• 33 percent of those aged 35–44

• 26 percent of those aged 45–54

• 28 percent of the 55-and-over crowd

Not a good situation.

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Only 6 percent of employer respondents said they believed the current minimum wage of $7.25/hour is fair. And 64 percent said it should be raised in their state.