Half of pre-retirees expect to work in retirement, but only 11 per cent actually do
Low pay, lack of raise, bad leadership also big factors
'Many are feeling rudderless when it comes to managing finances'
About 3,000 workers lost jobs due to manufacturer shuttering long-running assembly plant
‘Effects appear greatest during periods of high unemployment’
More employers ‘going out of their way to improve range of programs, benefits’