Americans are concerned about their retirement savings amid the current environment of market volatility and historically high inflation, but many are not taking advantage of financial wellness resources offered by their employers, according to a recent survey.

Forty percent of Americans say they’re behind on their retirement savings goals, Principal Financial Group, a financial investment management and insurance company, says it found in a survey of close to 1,000 consumers and 215 plan sponsors in the U.S. who have at least one financial product or service with Principal. The survey was fielded in March.

Americans are also being conservative about their retirement goals: while 44% say that splurging occasionally in retirement is a priority for them, 71% of respondents say their key goal is just maintaining their standard of living, according to the survey.

“In the current environment of high inflation and potentially lower investment returns, we are seeing something of a retirement reset among U.S. workers,” Sri Reddy, senior vice president in the retirement and income solutions unit at Principal, said in a statement.

At the same time, many Americans aren’t tapping financial wellness resources available to them: While 72% of employers surveyed offer such programs to their staff, only 35% of employees take part in financial wellness programs, while 46% aren’t aware whether they’re even available, Principal says it found.

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