More results from the 2009 Towers Watson survey:

* 52 percent of workers covered by a defined-benefit plan say their company's retirement program is a key reason they continue to work for their employer, compared to 33 percent of those with a defined-contribution plan.

* 53 percent want to take their account with them when they change jobs.

* 50 percent want the freedom to make their own investment decisions with an opportunity for higher returns or the chance for lower returns.

* 39 percent prefer their benefits distributed as guaranteed monthly payments over their retirement years for life.