A new report highlights a striking divide in how U.S. employers and employees view retirement readiness.

PNC Bank's annual Financial Wellness in the Workplace Report found that while 78 percent of employers believed their workers were prepared for retirement, 45 percent of employees felt the same.

That gap reflects a broader shift in the U.S.'s retirement landscape. Over the past few decades, the responsibility for securing a financially stable retirement has moved away from employers and toward workers themselves. While companies measure readiness by the existence of benefit offerings, employees are more focused on whether those savings will be enough to cover decades of living expenses .

In the United States, most retirement saving happens through employer-sponsored plans. The most

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