They may think they're supportive of their older employees, but employers are actually failing them by not supporting flexible retirement — and by not supporting workers' ability to retire. 

So says All About Retirement, An Employer Survey,a study from the Transamerica Center for Retirement Studies, which finds that 69 percent of employers believe most of their employees could work to age 65 and not save enough to meet their retirement needs. In addition, 72 percent of employers believe that many of their employees expect to work past age 65 or do not plan to retire. 

Employees, for their part, stay in the workplace thanks to their main motivations: income and benefits. To a lesser extent, some stay because they enjoy what they do. But even so, the report says, "many of today's workers also envision a flexible transition into retirement, for example, by reducing hours or working in a different capacity." But in many workplaces, that's not happening.