Millennials – roughly, those born between 1981 and 1996 – are the most well-educated, most diverse and most populous generation in the workforce today. They told us in our national poll last year that employer-provided retirement benefits would be the most important benefit to them over the next ten years. And yet, a new report suggests that they are lagging behind in their preparedness for retirement.

In this episode of the American Benefits Podcast, host Jason Hammersla speaks with Jennifer Erin Brown, manager of research for the National Institute on Retirement Security (NIRS) and the author of a new study, Millennials and Retirement: Already Falling Short. Jason and Jennifer discuss the economic misconceptions about millennials, the challenge of student debt and how it all comes down to employer coverage. Then, Jason checks in with Ben Brown, founder and leader of the Association of Young Americans, to get his take on the report.