Insurance firm Aon Hewitt recently surveyed 500 employers and found most are concerned about their workers' ability to retire with financial stability.

The number who are confident their employees will have sufficient assets to retire dropped to 4 percent from 30 percent a year before, and only 18 percent of respondents said their employees would be able to manage their income in retirement. About 90 percent did not believe employees were holding themselves accountable for their own retirement.

Retirement planning has changed in recent years, with more employers using defined contribution plans rather than pension plans that were more common in the past. Financing pension plans, like employer-sponsored insurance benefits, has become more difficult for many employers.

School districts may see similar developments, and find some of the same measures that employers are taking could be beneficial for employees. For example, better educating employees on how to use their benefits and save assets for retirement may be helpful, and services that provide investment and savings advice or education may help employees save and plan more effectively.