Voya Financial Inc. has released an index it believes shows that Americans are generally behind in their financial preparations for retirement. The report incorporated two surveys conducted with Greenwald & Associates Inc. in which workers and recent retirees were asked about their retirement readiness.

Worker scores averaged 4.1 out of 10 and retirees 5.5 on overall retirement readiness.

Workers and retirees both scored low on planning. The survey found that 17 percent of workers and 26 percent of retirees have a written financial plan.

In addition, they surveys found that 63 percent of workers had never calculated what their future monthly income would be based on their savings.

“Perhaps the most surprising insight is that today, through innovations in financial technologies and increased access to professional advisors, Americans have more ways to take action, build confidence and improve their chances for achieving a secure retirement,” said James Nichols, head of Retirement Income and Advice Strategy for Voya Financial. “Our challenge is to ensure that more people know where to find these resources and that they take the necessary steps.”